AAA Insurance Discounts

 Save more on Auto or Home Insurance.

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Auto Discount Definitions

Name
Definition
Advanced Shopping
This discount is applied to new business policies if the AAA Auto Insurance quote is initiated by the customer more than seven days in advance of the policy effective date, and the applicant has at least six months of continuous prior insurance coverage.
Auto Insurance Loyalty
Insurance Persistency for existing insureds is the number of full years the named insured or spouse has had a continuous AAA auto insurance policy (at policy inception). In order to maintain the insurance persistency, the AAA auto insurance policy cannot lapse for more than 30 days.
Companion Home
This discount is applied to a policy if the named insured or rated spouse has a AAA Homeowner policy (the discount is different if the companion policy is a condo or renters)
Distant Student
The distant student driver is not the named insured or spouse of the named insured The distant student driver temporarily lives at and attends school more than 100 miles from home The distant student driver is “rated” age 15 - 25 and does not have a vehicle at school.
Good Student
Discount for High School or Full Time College student with a verifiable GPA of 3.0 or more
Membership Discount
This discount is applied to a policy if any driver rated on the policy is a AAA member. In California this is not a filed discount but a different rate plan – so you can call it a savings but not a discount.
Membership Loyalty
Membership Persistency is the number of full years any rated driver on the policy has had a AAA Membership (at policy inception) .
Multi-Car
This discount is applied to a policy if there is more than one vehicle rated on the policy
Paid in Full
Discount based on having a paid in full payment plan
Teen Smart
Discount offered when qualified teen drivers complete a qualified program by the time they are 19

Home Discount Definitions

Name
Definition
Auto Insurance Loyalty
Insurance Persistency for existing insureds is the number of full years the named insured or spouse has had a continuous AAA auto insurance policy (at policy inception). In order to maintain the insurance persistency, the AAA auto insurance policy cannot lapse for more than 30 days.
Companion Auto
This discount is applied to a policy if the named insured has AAA Auto Insurance product
Home Insurance Loyalty
This discount is based on how long an active AAA Home Insurance policy has been continuously in effect
Mature Policy Holder
Discount based on age of oldest insured
Membership Discount
Applies to an insured with an active AAA Membership in any AAA Club in the United States.
Membership Loyalty
This discount is based on how long an active AAA Membership has been continuously in effect
Newly Purchased
Discount given when a new loan is used to acquire a home within the past three years
Paid In Full
Discount based on having a paid in full payment plan
Roof Renovation
Homes with verifiable qualified roofing renovations (100% Replacement)
Zero Claims
Discount given based on number years without a chargeable claim

TERMS & CONDITIONS
Insurance underwritten by AAA Life Insurance Company, Livonia, MI. AAA Life Insurance Company is licensed in all states except NY. CA Certificate of Authority #07861.  Products and their features may not be available in all states. Discounts valid through June 30th 2019 and subject to change.  Multipolicy and other discounts vary based upon eligibility. Discounts not cumulative; certain restrictions apply.  Term Policy Form Series: ICC11-1201/TL-1201.  Insurance products in California offered through AAA Northern California Insurance Agency, License #0175868, in Nevada by AAA Nevada, in Utah by AAA Utah, in Arizona through AAA Arizona, Inc., License #8301727, and in Wyoming through AAA Mountain West Inc., License No. 172603.  The provider of AAA Auto and Home Insurance is CSAA Insurance Group, a AAA Insurer.  All policies are subject to policy terms, underwriting, guidelines and applicable laws.

All Discounts are “Up To” Discounts and are NOT cumulative