Get Auto Insurance Quotes
AAA is one of the country's largest and most reputable car insurance companies. When you get a quote with AAA, you can be sure you're getting quality coverage at an affordable price. AAA also offers a variety of policy options and discounts so that you can find the coverage that's right for you.
get auto insurance quotes
Every driver is different, and that's why AAA makes it easy for you to personalize your car insurance policy with just the coverage that's right for you. Getting a free car insurance quote is a great way to get started.
Collision insurance is a type of auto insurance coverage that pays for damage to your vehicle from an accidental collision with another car or object. Your insurance company pays for damages, the cost of repairs (minus your deductible), or the actual cash value of your car, whichever is less, regardless of who is at fault.
Comprehensive insurance is a type of auto insurance coverage that pays for damage to your vehicle that's not caused by a collision or rollover. If your windshield is broken or your vehicle is damaged by fire, theft, vandalism, windstorm, or even an animal, comprehensive coverage helps pay for repairs (minus your deductible) or the actual cash value of your car, whichever is less.
It's no secret that the cost of car insurance can be expensive, especially for young drivers. But there are ways to get find lower rates, and one of the best is to compare quotes from different insurers.
When comparing car insurance quotes, there are a few key factors to consider. First, you'll want to make sure that each quote includes the coverage and benefits that you're looking for. That means checking things such as liability limits, deductibles, discounts, and policy riders. In addition, make sure that you are comparing quotes for like limits, deductibles and coverage lines.
It is unlawful to drive an uninsured vehicle. To legally operate a motor vehicle, you must carry at least the minimum liability insurance required. Most states require liability insurance that will cover other people who are injured in and property belonging to others that was damaged in an accident that you are found to be legally responsible for.
Auto insurance usually follows the car, not the driver. If someone borrows your vehicle with your permission and is in an accident, they'll be covered under your insurance unless they're specifically excluded from your policy.
If your child lives in the same household and drives your car(s), they can remain on your insurance policy. There is no cutoff for age. However, your child may need to purchase separate insurance for vehicles they own.
Your deductible is the amount you'll pay out of pocket for a claim before your insurance company pays. A higher deductible can help lower your monthly premiums, but will increase the amount you're responsible for in an accident.
AAA insurance is a collection of AAA branded products, services and programs available (where authorized) to qualified AAA members. AAA personal lines insurance is provided by Interinsurance Exchange of the Automobile Club in CA, HI, NM, ME, NH, PA, VA and VT; by Automobile Club Inter-Insurance Exchange (ACIIE) and Auto Club Family Insurance Company in AL, AR, IL, IN, KS, LA, MS and MO; by Auto Club County Mutual Insurance Company and Auto Club Indemnity Company in TX; by Auto Club Indemnity Company in OH, KY and WV ; Insurance may also be provided by independent carriers. Life insurance is underwritten by AAA Life Insurance Company, Livonia, MI. AAA Life is licensed in all states, except NY. The Motor Club or its affiliates act as an authorized agent for insurers they sell insurance on behalf of, including AAA Life and AAA affiliate insurers. Personal lines insurance may not be available in every state or throughout a state. Please consult your local AAA agent.
Our analysis of the best cheap car insurance nationwide found that, on average, USAA has the cheapest car insurance quotes. But USAA auto insurance is only available to active members of the military, veterans and their families.
Drivers with a clean driving history will pay less than drivers who have traffic violations and at-fault car accidents on their records. Car insurance companies tend to look at the last three to five years of your driving history, depending on your state.
If you have other drivers in your household, their driving records will impact your rate. For example, if you add a teen driver to your policy, be prepared for a significant bump in car insurance premiums.
If your policy limits are too low, you could be stuck paying out of pocket for the rest. A good rule of thumb is to buy enough liability insurance to cover your net worth, or the amount that you could lose in a lawsuit.
Collision and comprehensive insurance pay for repairs to your car for a variety of problems, such as car accidents (regardless of fault), car theft, vandalism, fires, floods, falling objects (like tree branches) and collisions with animals.
While collision and comprehensive coverage are often sold together, you can purchase them individually. For example, if you only want coverage for problems like theft and floods, you can get a car insurance quote for comprehensive insurance without collision.
You can save hundreds each year by taking advantage of car insurance discounts. Bundling discounts is one way. Bundling policies means having multiple policies, such as home and car insurance, with the same company.
Forbes Advisor analysis found that car insurance companies offer multi-policy discounts that give between 5% and 25% discounts. Farmers has the biggest discount (26%) for bundling home and auto, but Allstate (16%) and State Farm (15%) also offer good bundling discounts.
Another way to potentially save on car insurance is to take part in a usage-based insurance (UBI) program. These programs collect data from your vehicle on speed, acceleration, braking, miles driven, when you drive and if you use your phone while driving.
Your car insurance company takes that telematics data and gauges your driving habits. You may save on your car insurance based on the results, but generally you must be a really good driver in order to get a discount. Some companies will increase your rates if you score poorly, so make sure to ask if your rates could potentially go up before you join a UBI program.
Shopping around every year is a good idea, but that might be too much of a hassle for most drivers. With big rate increases coming from many auto insurers, you may want to shop around when you see your renewal bill.
Yes, comprehensive coverage from AAA includes windshields. Also, keep in mind that AAA Members save 10% on auto glass repair or replacement from any Safelite AutoGlass repair facility or mobile service.
If someone has an existing insurance policy with AAA (or any other insurance company), they have a 14-day to 30-day grace period to insure their new car, depending on the type of policy. However, if an individual purchases a new car and has never had an insurance policy before, they need to purchase insurance before they drive off the lot.
Most companies make it easy to get a free auto insurance quote either online, over the phone, or by working directly with an insurance broker. Regardless of which method you choose, the Insurance Information Institute (III) recommends that you get quotes from no less than three separate insurers in order to get a clear idea of coverage options and costs.
Getting free auto insurance quotes online is a great way to collect information and review your options, especially if you want to compare multiple insurers. Once you narrow down your search, following up with an agent can help you get a more personalized quote, address questions you have, and discuss any additional savings or discounts available.
Your rate also depends on the amount of coverage you choose. Policies with higher limits, or the amount of money your insurer will pay toward a claim, are more expensive than policies with lower limits. Higher deductibles, or the amount you must pay out of pocket before your insurance kicks in, typically lead to lower rates as well.
Most insurance companies offer discounts to customers who purchase more than one insurance policy, such as auto insurance and homeowners or renters insurance. Insurers call this bundling or a multi-policy discount and tout savings of 20% or more. In some instances, however, combining policies may not save you money. The Insurance Information Institute (III) recommends getting quotes for both multi-policy coverage from an insurer and separate policies from multiple insurers, then comparing the cost savings.
Most states have laws that require drivers to carry minimum liability coverage, though some states require personal injury protection (PIP) coverage, uninsured motorist/underinsured motorist (UM/UIM), or medical payment coverage. Contact your state department of motor vehicles or department of insurance to determine the precise type and amount of coverage you need.
Every insurer is different, but most allow policyholders to pay their premium via debit card, credit card, online bill pay, or electronic fund transfers (EFT). Some insurers offer discounts to customers who choose autopay, which allows policyholders to set up an automatic payment using the payment method of their choice. Your insurer also may offer a discount for paying your auto insurance policy premium in full instead of making a monthly payment. Contact your insurance agent to discuss your payment options.
Carol Pope is an insurance writer for Bankrate and prior to joining the team, she spent 12 years as an auto insurance agent. During this time, she sold, serviced and underwrote auto insurance for people across the country. She also has experience selling supplement coverage such as umbrella insurance.
Angelica Leicht is an insurance editor on the Bankrate team. She is truly passionate about helping readers make well-informed decisions for their wallets, whether the goal is to find the right comprehensive auto policy or the best life insurance policy for their needs. 041b061a72