AUTO INSURANCE

AUTO INSURANCE

Save an average of $3961 on auto insurance

You could save an average of:

  • $402 over STATE FARM
  • $418 over GEICO
  • $444 over ALLSTATE

1For those who switched and reported savings

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Find out how much you could save on insurance

Or you can call for a quote

1-877-717-18301-877-717-1830

Providing Peace of Mind

With insurance through AAA, you’ll enjoy outstanding service and convenience along with competitive rates. Our multi-policy, multi-vehicle, driver, and anti-theft discounts6 are just a few of the many ways you can save and still enjoy peace of mind from the protection we have provided our members for more than 85 years.

AAA DISCOUNTS SAVE YOU MORE

Policy Discounts

  • Multi-vehicle Save up to 17% on select coverage when you insure two or more automobiles

  • Multi-policy Save up to 21% on your auto insurance and up to 25% on your homeowners when you combine your auto, home, life and excess liability policies

  • Longevity Save up to 24% on select coverage with at least three years of continuous automobile insurance with your current carrier

  • Group Affinity Save 10% if a policyholder is a member of or qualifies for at least one of the approved groups or associations

Vehicle Discounts

  • Verified Mileage
    Save up to 13% (depending on vehicle's annual mileage) for supplying current odometer readings when requested

  • Anti-theft Device
    Save up to 25% on comprehensive coverage

Driver Discounts

  • Student Away Save up to 10% on select coverage when your driver-age student or military personnel is away at school or on duty 100+ miles from home without a vehicle

  • Good Student Save up to 15% on select coverage

  • Driving Course Save up to 10% on select coverage upon completion of an approved course

  • Original Owner Save up to 5% if you are the original owner of the insured vehicle

  • Drivesharp™ Insureds 65 years of age and older who have successfully completed the Drivesharp computer-based training program will be eligible for a 10% discount3

WHY CHOOSE AAA AUTO INSURANCE

PICK THE PROTECTION THAT FITS YOUR NEEDS

We know how confusing it can be to determine which auto insurance coverages best fit your needs and how much coverage you require. So to help you understand your options, here are some common coverages along with an explanation of what they include:5

Pick the protection that fits your needs

Pays for the cost of repairs to your vehicle for a loss caused by something other than a collision—fire, theft, vandalism, glass breakage, or windstorm damage—less your deductible.

Pays for the cost of repairs to your vehicle when your car is damaged in a collision with another vehicle or object, less your deductible.

Applies when other people are injured by your car and you or another insured person is at fault; provides for your legal defense if injury claims or lawsuits are brought against you.

Applies if you or another insured person damages someone else’s property such as a vehicle, lamppost, or building.

This coverage provides payment of reasonable expenses incurred for necessary medical, surgical, x-ray and dental services, including prosthetic devices and necessary ambulance, hospital, professional nursing and funeral services. Payment will be made for these expenses only when they are not covered under any medical or health insurance or automobile medical insurance. It protects the named insured and relatives while occupying the owned automobile or in a non-owned automobile with the permission of the owner, or in the event they are struck by an automobile. Passengers riding in the owned automobile are also covered for medical expenses. Payment to each person in the amount of the limit is possible since medical expense limits are per person. Fault of lack of fault is immaterial to the payment of a claim.

Pays for bodily injury damages recoverable from an uninsured or underinsured driver when the accident is the driver’s fault.

This coverage provides payment in the event of death or dismemberment (hand, foot, finger), within 90 days of the date of accident, while the insured or a family member is occupying a covered auto. Payment is made according to a schedule in the policy. Fault or lack of fault is immaterial to the payment of a claim.

If your car is not driveable or in the shop for repairs after a loss, this optional coverage pays for car rental or public transportation expenses.

FEATURED INSURANCE MEMBER PROGRAMS

AAA Accident Assist

Now AAA-insured members receive accident assistance services with just one call. Call 1-800-672-5246 from your accident scene.

AAA Accident Assist

At the scene of the accident, AAA Accident Assist6:

  • Sends a AAA Roadside Assistance Service Provider vehicle
  • Tows your vehicle to a Member Preferred Repairs shop or the repair shop of your choice
  • At your request, contacts family members on your behalf

Immediately after the accident, AAA Accident Assist:

  • Arranges a rental vehicle for those with rental coverage
  • Completes your claim notice at your convenience

If your car is repaired at a AAA Member Preferred Repair shop, AAA Accident Assist:

  • Saves you time by scheduling a repair without you having to wait for an adjuster
  • Gives you a lifetime warranty on workmanship for the repair7

LEARN MORE

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Policy Discounts

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Driver Education for all ages

Driver Education for All Ages

For over 110 years, AAA is helping to ensure responsible driving is a lifelong journey.

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AAA membership requires the separate payment of annual dues and an admission fee for new members.

1Average savings claims from a 7/01/15-6/30/16 multi-state survey of new auto insureds who switched to AAA coverage and reported savings.

2Discounts may apply to specific drivers, vary by policy and are conditional.

3Insurance discount requirements include: 1) proof of Drivesharp™ course completion; 2) Drivers must be age 65 or older; 3) A valid auto insurance policy with the Automobile Club Inter-Insurance Exchange (ACIIE) in the state of Alabama.

4Warranty applies to each claims repair under the program and is non-transferable. Workmanship excludes parts and materials. Other restrictions apply.

5This information is a helpful summary only and is not a comprehensive definition of all coverages, qualifications, limitations, etc. Please consult the policy and one of our insurance agents for more information.

6For members with liability-only or other limited coverage with Interinsurance Exchange of the Automobile Club (“Exchange”), Roadside Assistance after an accident is provided under your membership (not your insurance policy), and is subject to membership restrictions. Repairs, rentals and other benefits are subject to policy coverages and limits.

7Warranty excludes parts and materials, is non-transferable, and does not apply to those with liability-only or other limited coverage. Other restrictions apply.

AAA insurance is a collection of AAA branded products, services and programs available to qualified AAA members. AAA personal lines insurance coverage is provided through the licensed Alabama Motorists Association, Inc. to qualified AAA members by Automobile Club Inter-Insurance Exchange and Auto Club Family Insurance Company. Life insurance is underwritten and annuities are provided by our affiliate, AAA Life Insurance Company, Livonia, MI. AAA Life is licensed in all states, except NY. The Motor Club and/or its affiliates acts as an authorized agent for their affiliate insurers, including AAA Life.