Auto Insurance — Benefits & Coverages

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.

Plan Benefits


Small-Claim Forgiveness

Your policy premiums won't increase due to a small claim under $750.

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.

Advantage, Ultimate

Claim Forgiveness Ultimate

Select this option as part of our Ultimate Plan and receive an additional claim forgiveness opportunity immediately upon purchase.


Claim-Free Rewards

You'll earn cash back or a renewal credit, 3% up to $50, for remaining claim free every policy term.1


AAA Accident Assist®

In case of a crash, we'll dispatch a tow, schedule a repair facility, start an insurance claim and arrange for a rental car.

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.


Optional Coverages

Enchanced Total Loss Replacement

If your car is a total loss after a crash, we'll pay to replace it with a new model.2


Loan/Lease “Gap”

We'll cover the gap in what you own 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.


Broadened Other Car

Extends Bodily Injury & Property Damage Liability coverage for the regular use of a non-owned motor vehicle on which coverage is not provided by the policy.


Participatory Discounts

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 efective date and get a discount.
Automatic Payment Deduction (EFT) Sign up for an automatic payment (EFT) plan when you open your policy and/or at renewal and help simplify your life and save money.
AAA Safety Inspection Discount On approved vehicles that have passed a AAA Safety Inspection.
AAADrive Discount Earn a discount for tracking your driving habits on your smartphone with AAADrive.3
Multiple-Product Discount Have a home, condo, renters or active life insurance policy through an eligible insurance company and save.
Deductible Savings Save when you select higher deductibles on your comprehensive and collision coverages.

Household / Driver Discounts

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 away at school 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

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.

This material is intended to provide general information concerning auto and home product features as of 7/1/22 and is not complete. Discounts apply to select coverages only and vary by state and insurance company. Not all discounts available in each state. Coverage is subject to all policy terms, conditions, exclusions and limitations. Discounts and savings opportunities subject to eligibility requirements. Subject to underwriting requirements. 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, or non-affiliated insurance companies. 

1Discounts and savings opportunities are subject to eligibility requirements.

2Optional coverage that is available for additional cost. Coverage applies to certain covered total losses for certain covered autos subject to titling, purchase, loss occurence time period and mileage requirements.

3AAADrive™ 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 may vary and are based on driving behavior. Discounts apply to select coverages only and do not apply to statutory assessment and fixed expense fees. Discounts may vary by state.

Please refer to the Terms & Conditions for more information to determine participation eligibility. Check your phone's eligibility at Google Play or the App Store by texting MobileApp to 99513. If your phone does not meet the requirements, you will not be able to download the app. Must meet minimum qualifications to maintain discount at renewal