background

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.


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 checkmark

ADVANTAGE checkmark

ULTIMATE checkmark

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 xmark

ADVANTAGE checkmark

ULTIMATE checkmark

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

ESSENTIAL xmark

ADVANTAGE xmark

ULTIMATE checkmark

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

ESSENTIAL xmark

ADVANTAGE xmark

ULTIMATE checkmark

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 xmark

ADVANTAGE xmark

ULTIMATE checkmark

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 smart phone with AAADrive.
Defensive Driver Discount Complete an approved Defensive Driver course and get a discount on your policy premium.
Multiple-Product Discount Have a home, condo, renters or active life insurance policy through an eligible insurance company and save.
Household/Driver Discounts What Does This Mean?
Multiple-Car Savings Save when you insure more than one vehicle with AAA.
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 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.

Discounts apply to select coverages only and 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.