What You Can Do

There are simple steps you can take to optimize your coverage and your costs. Read on for advice and tips on how to manage your auto insurance effectively.

How can I optimize my coverage?

Understand your risks and needs

Every driver is different; what you need from your auto insurance policy may be different than what your neighbor requires. It's important to talk to your AAA agent to properly weigh all of the factors that affect the policy you buy.

And if you make any major life changes, give us a call. Moving, a change in marital status, or a child leaving the household — these are all opportunities to reevaluate your coverage to see if we can potentially save you even more on your insurance.

Making your policies work together

If you have health insurance, you may be eligible for a Coordinated auto insurance policy that is less expensive than a traditional auto insurance policy. This means that if you're injured in an accident, your health insurance will pay first, instead of your auto insurance.

What affects my rates?

Your auto insurance premium is about more than your driving. Below are five factors that may affect your insurance rate.

  1. When selecting coverages, consider assuming some of the risk by selecting higher deductibles options.
  2. Enroll in the AAADrive Insurance Discount Program and get a discount on your auto insurance through AAA. The better you drive, the more you save. Learn More
  3. Maintain good grades. Young drivers may qualify for a discount having good grades.
  4. When purchasing a vehicle, consider the vehicles safety features and ability to repair with readily available materials. You receive a discount for having Airbags or Anti-Lock brakes.
  5. Review payment plan options. Many companies offer discounts for customers that pay in full or use EFT.

What do I do in case of an accident?

Anytime you are in an automobile accident, your safety is the most important consideration. Pull over to a safe area immediately. If anyone is injured, call 911. Then, call us to report the accident and arrange for assistance. Capture accurate information of the accident, including photos with your smartphone if you have one. Write down what happened and names, addresses, and phone numbers of those involved. Get names of any witnesses and be alert to fraud schemes.

AAA recommends that you never provide your personal information to anyone other than the other driver, police, and ambulance attendants. If someone else contacts you at the scene or hospital to ask you about potential injuries, contact your insurance agent immediately. Never provide information to anyone showing up at your home or calling you, unless you are aware of his or her identity.

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