Does AAA raise rates when you submit comprehensive claims?

Will vandalism on my car raise my rates? I'm currently with AAA and I may need to submit a claim for vandalism damage. Someone keyed my car and I'd like to get the damage fixed as soon as possible.

Answer provided by
Emily Maracle
Answered on Jul 15, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“Any time you submit a claim, your rate could increase.
While every company is different, most look at your driving record and claim history. If you’ve submitted a high number of claims in a short period of time, your insurance carrier could raise your rates.
If you haven’t submitted a claim before, submitting a comprehensive insurance claim isn’t likely to impact your rate significantly.
However if you are concerned, you can reach out to AAA directly. They’ll likely be able to provide you with a better understanding of how they rate policies.
You could also look at the cost of repairing your vehicle out of pocket. If the cost is similar to what you’d be paying for your comprehensive deductible or it’s an affordable amount, it may be worth paying out of pocket instead of submitting a claim.”

Did this answer help you?

Ask us a question by email and we will respond within a few days.

Have a different question?

You can meet us at our office and discuss the details of your question.

Easiest way to compare and buy car insurance

No long forms
No spam or unwanted phone calls
Quotes from top insurance companies