Maximize Insurance Discounts

Maximize Insurance Discounts Home and auto insurance discounts can leave more money in your pocket and during the COVID-19 pandemic, that’s more important than ever. Learn more about how to maximize insurance discounts.

Review your insurance policy each year to ensure you have the coverage you need and you’re taking full advantage of available discounts and savings.

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AUTO INSURANCE DISCOUNTS AND SAVINGS

  • Multi-vehicle discount: Insuring all of your vehicles through AAA may bring savings.
  • Driver training program discounts: Senior and teen drivers may be eligible for discounts by completing courses or programs; check with your local AAA branch to find out what’s offered.
  • Pay in full: Paying your policy up front may save you money on installment fees.
  • Good student discount: You may save if you’re a parent insuring a full-time or part-time student who meets certain grade point average and driving record qualifications.
  • Low mileage: If you drive fewer miles, you may be able to save on car insurance.
  • Higher deductible, lower premium: Raising your deductible – the amount you’ll pay out of pocket before your insurance company payment kicks in – can reduce your annual premium. If you choose to have a higher deductible, make sure you have enough money set aside in case you need to file a claim.

HOME INSURANCE DISCOUNTS

  • New loan discount: If you recently purchased a home, your homeowners insurance premium may be reduced in the first year if you get a mortgage to purchase your home (does not apply in California).
  • Home protection discount: Discounts may be available if your home is in a gated community or equipped with theft and/or fire protection systems.

OTHER DISCOUNTS

  • Multi-policy discounts: Insuring both your home and vehicle(s) through AAA can result in savings. Renters may also qualify for a multi-policy discount.
  • Loyalty discount: If you’ve insured your vehicle(s) through AAA or another insurance provider for a designated length of time (without lapses), you may be able to receive a discount (does not apply in California).

ACCESSING DISCOUNTS

Insurance discounts vary by state, so you’ll want to contact your agent or reach out by phone for specifics. Call your AAA agent or 1-866-222-7868.

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