From discounts for bundling multiple policies to driver-specific perks such as driver-training discounts, there are plenty of ways to save on your AAA car insurance policy. However, the type of discounts offered and savings amounts possible will vary depending on your location.

Securing a

cheap car insurance

policy doesn’t just mean picking the plan with the lowest quote you can find. Many insurers offer unadvertised discounts. You just need to talk to your insurance agent to see what you qualify for before you up and move to a cheaper ZIP code in your quest to pay less for your coverage.

What discounts should AAA customers inquire about? Keep reading to find out!

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Everything you need to know about a AAA car insurance quote

What auto insurance discounts does AAA offer?

While this may vary across regions, generally you’ll find AAA’s

car insurance discounts

split into the following four categories:

Multi-policy discounts, which give you a break on each policy you bundle together

Auto & loyalty discounts, which help you save money with loyalty perks and payment options

Vehicle and driver discounts, for drivers who prove they are responsible on the road

Vehicle safety discounts, for steps you take to ensure your safety on the road

AAA multi-policy discounts

If you buy other insurance products at the same time as your car insurance, you’ll likely get a discount on each policy.

Home & auto:

Bundle home and auto insurance

with AAA and you’ll get a discount on both policies.

Auto & condo: Package your auto insurance with condo insurance from AAA and both policies will likely be discounted.

Auto & renters: Purchase both car and

renters insurance

with AAA and you’ll get a break on both of those policies.

Auto + home + life: Combine your car insurance and home insurance with life insurance from AAA and you’ll likely get even more savings than bundling just home and auto insurance.

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Is AAA membership worth it?

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AAA auto & loyalty discounts

Insuring multiple vehicles with AAA, leveraging a qualifying professional or alumni membership into savings, or demonstrating loyalty to AAA can all save you money on your car insurance.

Multi-vehicle: When you insure more than one vehicle with AAA, you’ll likely land a discount for each vehicle.

Select alumni/professional associations: If you’re a member of certain professional organizations or specific alumni groups, you could qualify for a discount on your car insurance policy.

Loyalty: With at least one year of

continuous insurance

with AAA, you’ll likely get a discount upon renewal.

AAA vehicle & driver discounts

Insurers like AAA love when you can demonstrate that you’re a safe and reliable driver, and you’ll likely qualify for a few discounts. Individual discounts and the amount you can save will vary across regions, but you can typically find these vehicle & driver discounts at your local AAA club:

AAA Drive™: AAA’s optional

telematics

program, AAA Drive, tracks your driving behaviors, such as your speed, braking, acceleration, distracted driving, and the time of day you drive, in real-time via a mobile app. You can save up to 30% on your policy for good driving behavior, but the exact discount amount will depend on your AAA club.

Good driver: Your local AAA club will likely knock off a portion of your auto insurance premium if you consistently demonstrate safe driving habits and maintain a

clean driving record

Verified mileage: Depending on your car’s average yearly mileage, you can save a portion of your premium if you submit your odometer reading when requested.

Student away: You can save a significant amount off your premium if your driver-age

student is away at school

(more than 100 miles) without a vehicle.

Good student: You’ll likely get a discount on your premium if you maintain good grades while in school.

Driver training: If you enroll and pass and state-approved

defensive driving course

, you’ll likely get a discount on your premium.

Car club: If your local AAA club is a qualifying car club, you could get a discount on your premium.

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How to join AAA and make sure you have roadside assistance coverage

AAA vehicle safety discounts

AAA also offers discounts for measures you take to ensure your vehicle’s safety.

Vehicle safety: If your car is equipped with an approved safety device, you will likely be rewarded with a discount on your auto insurance policy.

Anti-theft device: Install an approved

anti-theft device

on your vehicle, and AAA will give you a discount on your policy.

New car savings: You can make the argument that your car is at its safest at its newest—that’s why AAA will discount your insurance for a brand-new (and safe) car.

MORE:

Good driving record discounts, explained

Does AAA have good car insurance discounts?

With at least 17 discounts, AAA offers a competitive number of ways to save on your car insurance premium. That said, the available discounts and potential savings will depend on your local AAA club, as these vary across the country.

While AAA’s discount offerings are competitive, its overall car insurance policies are regarded as some of the most expensive rates across the board. That said, AAA is known to offer good discounted rates for new, young drivers.

Be sure to go over your coverage and discount options with your local AAA club, and shop around if you aren’t sure that AAA (or another carrier) is right for you.

You might want to check out other insurance companies such as

Progressive

Travelers

, which are known for offering competitive car insurance rates to homeowners—even if those customers’ homes are insured by someone else. Meanwhile, you could land a discount just for switching your insurer to

Allstate

or American Family.

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FAQs

Does AAA offer a military discount?

At this time, AAA does not offer a discount for military members.

What is the AAA senior discount?

AAA doesn’t offer a specific seniors discount per se, but seniors can qualify for AAA’s defensive driving discount, which can result in a lowered premium if a senior take a state-approved defensive driving course.

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