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
Providing peace-of-mind for more than 100 years
The Automobile Club of Southern California, the largest member of the AAA federation of motor clubs, has been serving Southern California since 1900 and providing insurance services since 1912. With insurance through AAA, you’ll enjoy outstanding service and convenience along with competitive rates, multi-policy discounts2 and many other benefits.
Verified Mileage Discount: Save from 1.1% up to 19.1% (depending on vehicle's annual mileage) for supplying current odometer readings when requested
Save up to 27.3% when you insure two or more automobiles on select coverages
Auto + Home + Life
Save up to 19.4% on your auto insurance and up to 20% on your home insurance when you combine AAA home, auto, and life insurance policies
Save up to 5.6% with continuous insurance coverage with AAA for at least one year
Good Driver Discount: Save 20% on all coverages
Good Student Discount: Save up to 14.3% on select coverages
Alumni Association Discount: Save up to 9.3% if you are a current member of a four-year college or university alumni association
Professional Discount: Save up to 9.3% for qualifying professions
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:6
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.
Covers medical expenses, no matter who's at fault, if you and/or occupants in your car are injured in an auto accident.
Pays for the difference between medical expenses incurred by you or your vehicle's occupants, and those paid or payable by the insured’s primary medical coverage (e.g., medical or disability insurance). If you receive medical care outside of your health carrier’s plan, you may be required to pay the initial $2,000 of medical expenses.
Pays for bodily injury damages recoverable from an uninsured or underinsured driver when the accident is the driver’s fault.
Pays for the damage to your car or the actual cash value of the car (whichever is less) up to $3,500 if your car is not covered for collision, when your vehicle is damaged by an uninsured motorist.
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.
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Auto Club 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. The auto + home multi-policy discount requires an active auto policy and homeowner policy through the Auto Club.
3Drivesharp program. Must have proof of course completion (sent directly to us). Have 49 or more years of driving experience Have no more than one good driver point during the 36 months immediately preceding the date the discount is added to the policy Have no principally at-fault accidents or citation convictions after the course certification completion date. NOTE: Any traffic conviction or principally at-fault accident occurring after the most recent certification completion date disqualifies a driver from receiving this discount and will cause an existing Driving Course Discount to be eliminated at the next policy renewal.
4Warranty applies to each claims repair under the program and is non-transferable. Workmanship excludes parts and materials. Other restrictions apply.
5Requires the purchase of a new auto policy by 9/30/2017 and $1,000 minimum future cruise or land vacation purchased with one of our Preferred Travel providers booked through AAA Travel, before 12/31/2017 for travel by 7/31/2018. Allow at least 12 weeks for certificate delivery. Certificate lists other restrictions.
6This 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.
7For 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.
AAA insurance is a collection of AAA branded products, services and programs available to qualified AAA members. AAA personal lines insurance is provided by Interinsurance Exchange of the Automobile Club.
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 Motor Club and/or its affiliates acts as an authorized agent for their affiliate insurers, including AAA Life. AAA Life CA Certificate of Authority #07861. CA DOI LIC. #0003259.