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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 $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. |
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 Rewards1 | 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? | Plan |
|---|---|---|
| Enchanced Total Loss Replacement2 | If your car is a total loss after a crash, we'll pay to replace it with a new model. | ESSENTIAL ADVANTAGE ULTIMATE |
| 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. | ESSENTIAL ADVANTAGE ULTIMATE |
| Enhanced Exterior Repair Option | Get original exterior parts from the manufacturer instead of aftermarket parts. Excludes window glass and mechanical parts. | ESSENTIAL ADVANTAGE ULTIMATE |
| Transportation Network Compant (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. | ESSENTIAL ADVANTAGE ULTIMATE |
| Extra Equipment | Pays for parts, equipment and accessories that are non-OEM and permanently attached to the vehicle. | ESSENTIAL ADVANTAGE ULTIMATE |
| Broadened Other Car | Extends Bodily Injury & Property Damage Liability for the regular use of a non-owned motor vehile on which coverage is not provided by the policy. | ESSENTIAL ADVANTAGE ULTIMATE |
| Participatory Discounts | What Does This Mean? |
|---|---|
| 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 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™ Discount3 | 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 a home, condo, renters or active 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 | 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 student who maintain a B (3.0) or better grade point average. |
| Student Away Discount | For students less han 25 years old while 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 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. ©2022 The Auto Club Group. All rights reserved.
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
22-IN-0780-F
