Auto Insurance

There are plenty of twists and turns on the road of life. By working together to create a personalized policy, we'll help you stay protected. Ask your agent for more details about additional coverages, endorsements and discounts.

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Plan Benefits	What Does This Mean?	Plan
Small-Claim Forgiveness	Your policy premiums won't increase due to a small claim—under $250 if you are at fault or under $750 for all other claims.	ESSENTIAL ADVANTAGE ULTIMATE
Claim Forgiveness Loyalty	You'll earn claim forgiveness for being insured and claim free with us for five years, protecting your premium from increasing following an accident.	ESSENTIAL ADVANTAGE ULTIMATE
Claim Forgiveness Ultimate	Select this option as part of our Ultimate Plan and receive an additional claim forgiveness opportunity immediately upon purchase.	ESSENTIAL ADVANTAGE ULTIMATE
Claim-Free Rewards	You'll earn cash back or a renewal credit, 3% up to $50, for remaining claim free every policy term.	ESSENTIAL ADVANTAGE ULTIMATE
Disappearing Deductible	Watch your Comprehensive and Collision deductible disappear by $50 on each vehicle for every policy term you are claim free, up to a max of $500.	ESSENTIAL ADVANTAGE ULTIMATE
Optional Coverages	What Does This Mean?
Enhanced Total Loss Replacement¹	If your car is a total loss after a crash, we'll pay to replace it with a new model.
Loan/Lease "Gap"	We'll cover the gap in what you owe on a loan or lease if it exceeds the actual cash value of your vehicle at the time of a total loss.
Enhanced Exterior Repair Option	Get original exterior parts from the manufacturer instead of aftermarket parts. Excludes window glass and mechanical parts.
Transportation Network Company (TNC)	Should you drive for a ridesharing company, this benefit could help to fill the gap in coverage that your ridesharing company does not provide.
Participatory Discounts	What Does This Mean?
AAA Membership Discount	A discount that rewards you based on the number of years you've been a AAA member.
Paperless Discount	Receive your documents electronically and save. Required in the Essential Plan.
Advance Purchase Discount	Save when you purchase your policy a select number of days in advance of the policy effective date.
Pay in Full Discount	Pay your policy premium in full within 7 days of the policy effective date and get a discount.
Automatic Payment Deduction (EFT)	Sign up for an automatic payment (EFT) plan at new business and/or renewal and help simplify your life and save money.
AAA Safety Inspection Discount	On approved vehicles that have passed a AAA Safety Inspection.
AAADrive™ Discount²	Learn to become a better driver and earn a discount for tracking your driving habits with your smartphone with AAADrive.
Defensive Driver Discount	Complete an approved Defensive Driver course and get a discount on your policy premium.
Multiple-Product Discount	Have an active AAA Life Insurance policy or own your own home/condo and save.
Household/Driver Discounts	What Does This Mean?
Multiple-Car Savings	Save when you insure more than one vehicle with AAA.
Education/Occupation Discount	Based on your attained education and occupation.
New Young Driver Discount	On existing policies where a driver, under the age of 20, is added to your policy.
Good Student Discount	For students who maintain a B (3.0) or better grade point average.
Student Away Discount	While students are living 100+ miles away at school and without a vehicle.
Prior Insurance Tenure	When you switch to AAA and had no lapse in coverage while insured with your prior carrier.
Vehicle Discounts	What Does This Mean?
Vehicle Safety Discount	For vehicles that have certain factory-installed safety devices.
Anti-Theft Device Discount	For vehicles equipped with a theft prevention or theft recovery device.
New Car Savings	Rewards customers with a discounted premium on new vehicles.

This material is intended to provide general information concerning auto and home product features as of 10/01/2018 and is not complete. Discounts and savings opportunities are subject to eligibility requirements. Not all discounts available in each state. Coverage is subject to all policy terms, conditions, exclusions and limitations. Underwriting eligibility standards must be met to qualify for coverage. Insurance underwritten by one of the following companies: Auto Club Insurance Association, MemberSelect Insurance Company, Auto Club Group Insurance Company, Auto Club Property-Casualty Insurance Company, AAA Insurance Company, Auto Club Insurance Company of Florida, or non-affiliated insurance companies. ©2018 The Auto Club Group. All rights reserved.

¹Optional coverage that is available for additional cost. Coverage applies to certain covered total losses for certain covered autos subject to titling, purchase, loss occurrence time period and mileage requirements.

²AAADrive™ participation is optional. Subject to terms, conditions and availability. AAADrive Auto Insurance Discount is not available in all states. Download of the mobile app, activation of AAADrive and the ability to record journeys are required to receive the discount. Savings based on driving behavior. Discounts apply to select coverages only and may vary by state. Please refer to the Terms & Conditions for the required, compatible, Android or iOS operating systems to determine participation eligibility. Android OS5.0/iPhones iOS10 and above operating systems required. Must meet minimum qualifications to maintain the discount at renewal.