AAA Discounts for Every Stage of Retirement

Article overview

Discover how your AAA Membership supports your retirement lifestyle.

• Learn about exclusive discounts and helpful services like rental cars and travel agents.

• Maximize the value of your membership benefits on everyday purchases and dining deals. 

• Access tools for travel, financial planning and more.

Retirement is not a single event but a journey with distinct phases. Each stage brings new priorities, goals and financial considerations. Whether you’re embarking on worldwide adventures or focusing on health and home, your AAA Membership offers valuable discounts and services tailored to support you every step of the way.

Phase 1: The active travel years

For many new retirees, the first few years are all about exploration. With work and daily commitments behind you, the world of travel opens up. This is the time for bucket-list trips, extended road trips and soaking up new experiences.

See the world with exclusive travel perks

Discount senior travel options make it easier to turn your dream trips into reality. Here’s how your AAA  Membership helps:

• Reliable auto care for the long haul: Retirement is for spontaneous road trips, and a reliable vehicle is key to a stress-free adventure. Before you hit the road, use your AAA Membership to find AAA Car Care locations or Approved Auto Repair facilities—vetted for quality and integrity. You’ll enjoy exclusive perks like labor discounts giving you peace of mind with every mile.

• Expert travel planning: Planning a complex trip can be overwhelming. AAA Travel Agents handle all the logistics for you, drawing on deep travel knowledge and industry experience to guide every decision. From all-inclusive resorts to cruises and guided tours offered through trusted travel partners, they help you choose the right destinations, navigate international visitor requirements and get added value with in-market offers and exclusive AAA Member benefits and perks.

• Hotel discounts: From relaxing getaways for couples to memorable multi-generational trips with your kids and grandkids, AAA helps retirees find the right hotel stay. Save with AAA rates while also taking advantage of valuable hotel offers and earning loyalty points at properties like Marriott, Hilton, Hyatt and select Choice Hotels brands—so everyone travels comfortably and confidently.  

• Cruise discounts for seniors: Cruising is a popular and relaxing way to see multiple destinations. Your membership unlocks exclusive pricing and other perks with major cruise lines like Royal Caribbean, Princess Cruises and river cruises with Viking.

• Car rentals and road trips: Planning your road trip adventure is exciting, especially when choosing the perfect vehicle. Whether you’ve always wanted to cruise Route 66 in a Ford Mustang or dream of driving a convertible along the coast, renting a car can be a great option. It allows you to avoid putting miles on your own vehicle and choose a ride that fits your needs—whether it’s a compact car or a mid-size SUV for extra luggage. With Hertz, AAA Members save up to 20% off the base rate, get free additional drivers and other valuable savings that can extend your road trip budget.

• Travel insurance: Did you know that Allianz Travel Insurance plans through AAA offer rental car damage protection and trip cancellation coverage? In addition to the benefits for cruises and tours, you can protect your road trip adventures.

Phase 2: Settling down and prioritizing wellness

After the rush of travel, many retirees shift their focus to home, health, and community. This stage is about creating a fulfilling daily life and prioritizing well-being, where AAA Membership discounts for seniors truly shine.

Health and wellness benefits

Staying active is essential for a long and happy retirement. A AAA Membership makes it easier and more affordable to prioritize your well-being.

• Fitness memberships: The Active&Fit Direct program gives you access to thousands of gyms and fitness centers nationwide for a low monthly fee. With no long-term contracts, you have the flexibility to find a gym that suits you, whether at home or while visiting family.

• Vision and hearing: Maintaining your health includes regular check-ups. AAA provides discounts on eyeglasses, contact lenses and hearing aids, helping you manage these essential costs.

Everyday savings for home and life

Your savings don't stop when you're not on vacation. Use your AAA Membership to cut costs on everyday expenses.

• Restaurant senior discount: Save when dining out at thousands of partner locations across the country.

• Tech-savvy retirement: Enjoy exclusive pricing on devices like Amazon Echo and Ring doorbells to stay connected and secure.

• Home projects: Save on supplies for DIY or renovations with partner discounts on the AAA Dollars Online Mall.

Phase 3: Legacy and financial planning

The later stage of retirement often involves a shift toward ensuring financial security and planning for the future. This phase is about protecting your assets, simplifying your finances and creating a legacy for your loved ones. Your AAA Membership offers valuable tools to help you navigate this important process.

Insurance tailored to your needs

With a range of insurance options, you can feel confident knowing you're covered at every turn with AAA.

• Auto insurance: Drive with peace of mind. AAA offers comprehensive auto insurance plans, with great rates and coverage options designed to safeguard you and your vehicle.

• Life insurance: Secure your family’s future with flexible coverage options. Whether you need Term, Whole or Universal Life policies, AAA Life provides competitive rates and straightforward access for all ages. Get a Quote.

• Membership upgrades: Your life changes, and your AAA Membership can change with it. Whether you need to upgrade for additional benefits or adjust your coverage, AAA makes it easy to ensure your membership suits your evolving needs.

Secure your future with confidence

Planning for the future shouldn’t be a source of stress during your retirement years. While many retirees already have a strategy in place, AAA offers easy, cost-effective ways to refine and manage your estate and financial plans, ensuring your legacy is protected without the hefty price tag.

• Estate planning: If you haven’t established a will yet, or now that you’re retired and may need to update it, creating a will or trust is an essential step in securing your family’s future. With Trust & Will, AAA Members get exclusive discounts on online estate planning services, making it easy to create legally valid documents from the comfort of home.

• Tax preparation: Tax situations often become more complicated in retirement, with income from pensions, 401(k) withdrawals, Social Security implications and investment dividends. AAA’s partnership with TaxACT provides access to "Expert Assist" options, offering professional guidance to help you file your taxes. Maximize your returns, minimize liabilities and avoid costly errors all without the high cost of a CPA.

• Identity theft protection: Seniors are often a target for financial scams. Your membership includes ProtectMyID®, a service that monitors your credit and alerts you to suspicious activity, helping safeguard your nest egg.

Make the most of your membership

Your AAA Membership discounts go far beyond roadside assistance. From travel discounts for seniors to health and financial tools, AAA supports every stage of your retirement.