Triple check your auto policy with a complimentary, no-obligation AAA Auto Insurance Policy Review. Contact your agent or visit your local branch today.

Make sure you are getting the services you need the most at the best value

When should my auto policy be reviewed? When you purchase a new vehicle, or need to add a new driver, or even if you simply have moved to a new location, you should re-evaluate your auto insurance needs at the same time, according to AAA. Be sure to check all of the discounts1 below to see if we can save you even more.

Policy Discounts

  • Multi-vehicle Save up to 26% on select coverage when you insure two or more automobiles

  • Multi-policy Save up to 19.8% on your auto insurance and up to 22% on homeowners insurance when you combine your auto, home, and life policies

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

  • Paid in Full Save up to 5% when you pay your auto policy in full

  • Advance Purchase Save up to 5% with the purchase of a AAA auto policy seven or more days before your current policy’s expiration date

  • Longevity Save up to 12% on select coverage with at least three years of continuous insurance with your current carrier

Vehicle Discounts

  • Verified Mileage Save up to 12% (depending on vehicle’s annual mileage) for supplying current odometer readings when requested

  • AAA OnBoard® You could save up to 10% per qualified vehicle with the AAA OnBoard Activation discount upon activation of our new AAA OnBoard device. At your next renewal, you could save a total of up to 32% with AAA OnBoard Driving Score and Mileage discounts, depending on your vehicle’s mileage and how it is driven.3

  • Anti-theft Device Save up to 10% on comprehensive coverage

  • Air Bag Save up to 30% on select coverage

  • Garage Parking Save up to 14% on comprehensive coverage

Driver Discounts

  • Student Away Save up to 15% on select coverage when your driver-age student is away at school 100+ miles from home without a vehicle

  • Good Student Save up to 15% on select coverage

  • Driving Course Save up to 3% on select coverage upon completion of an approved course

  • Driver Improvement Save up to 2% on select coverage

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


AAA Accident Assist

Now AAA-insured members receive accident assistance services with just one call. Call
1-888-322-2674 from your accident scene.

AAA Accident Assist

At the scene of the accident, AAA Accident Assist:3

  • Sends a AAA Roadside Assistance Service Provider vehicle
  • Tows your vehicle to a Member Preferred Repair 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

LEARN MORE about AAA Accident Assist and your member benefits.

AAA Member Preferred Repairs

If you insure your vehicle through AAA, your repair process will be as simple as possible. AAA Member Preferred Repairs offers referrals to pre-qualified repair facilities, including specialists in stereo equipment and auto glass replacement. As a result, potential inconveniences are minimized, and the quality of service you receive is maximized with a lifetime warranty on workmanship.4

Naturally, you’re free to have your vehicle serviced at a repair facility of your choice. But, considering all of the advantages of AAA Member Preferred Repairs, we think you’ll agree it represents an excellent choice. Just call us at 1-800-672-5246 1-800-672-5246 the next time you have an auto claim, and we’ll provide you with the names of pre-qualified facilities closest to you.

Approved Auto Repair Facility


AAA Membership Number or Policy Number
Driver License
Vehicle Identification Number
Lienholder Information
Current Odometer Reading
Proof Related to Good Student Discount

Read the policy document ahead of time and ask questions about terms or conditions you don’t understand.

Ask your agent to list all the discounts that can apply to policyholders. Most insurance companies add discounts over time, and you may now qualify for a discount that was once unavailable.

Make sure your liability coverage adequately protects you and your assets. As people accumulate assets such as real estate and stock portfolios, their liability coverage should also increase.

Make sure you are comfortable with the deductible option you have chosen for your policy. There are a variety of options available.

Consider whether you will have access to a car if your car has to stay in the shop for a week or more. If not, you may need rental car coverage on your auto policy.

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1Discounts may apply to select coverages, vary by policy, and are conditional.

2To receive the 5% activation discount, one must enroll and accept the AAA OnBoard program’s Terms of Use; install a new OnBoard device and successfully connect the AAA app. To qualify for the up to 32% combined AAA OnBoard Drive Score and Mileage discounts at your next renewal, you must continue to be enrolled in the OnBoard program and the device must be connected for a certain time (without excessive disconnects) and record a certain number of trips and miles. These discounts vary by miles driven, driving characteristics such as speed, hard braking and time and day of the week of operation. Discounts are conditional, vary by policy and may be mutually exclusive and apply to select coverages.

3For members without standard coverage, services are provided under membership and not insurance. Policy coverage and limits apply.

4Warranty excludes parts and materials, is non-transferable, and does not apply to those with liability-only or other limited coverages. Other restrictions apply.

AAA insurance is a collection of AAA branded products, services and programs available to qualified AAA members. AAA personal lines insurance is provided by AAA Texas’ affiliate insurers: Auto Club County Mutual Insurance Company for auto and by Auto Club Indemnity Company for home/condo/renters and watercraft. AAA Texas acts as an agent. Life Insurance is underwritten and annuities are provided by AAA Life Insurance Company, Livonia, MI. AAA Life is licensed in all states, except NY. The local AAA Motor Club and/or its affiliates act as agents for their affiliates, including AAA Life. Each listed insurer has sole financial responsibility for its own products.