Why insure your auto with AAA?

AAA is the only insurance company that offers an exclusive discount to members combined with a personal savings review.

Let us help you get the right protection at the best price.

AAA can help you better understand your coverage options so that you get the right protection at the best price.

   Discount Description
   AAA Member Save up to 5%.
   Auto & Home Save up to 15%.
   Defensive Driving Save up to 10% on collision, liability,
and no-fault insurance. Course available
online or in a local classroom.
Learn More
   Multi-Vehicle Save when you insure multiple vehicles
on your plan.
   Airbag & Anti-Theft Save when you equip your vehicle with
these safety features.
   Distant student Save when your student goes away to college.
   Good Student Save when your child gets good grades
at college.
   Full Pay Save when you pay your premium in

Talk to an agent and get a personal insurance review to find out how much more you could be saving.

AAA can help you better understand your coverage options so that you get the right protection at the best price.

Collision Covers physical damage to the insured's automobile (other
than that covered under comprehensive insurance) resulting
from contact with another inanimate object.
Comprehensive Provides protection in the event of physical damage (other
than collision) or theft of the insured car. For example, fire
damage or a cracked windshield would be covered under
the comprehensive section.
Bodily Injury and Liability Pays and renders service on behalf of an insured for loss
arising out of his responsibility, due to negligence, to others
imposed by law or assumed by contract.
Uninsured/Under Insured Covers an insured collision with a driver who does not have
any or enough liability insurance.
Personal Injury Protection (No Fault Insurance) Pays for your injuries in a covered auto accident and includes
coverage for medical, hospital, loss of income, funeral costs,
and other related expenses for you and your passengers.
Optional Basic Economic Loss (OBEL) Offers an additional $25,000 of coverage for injuries or lost
wages that are incurred do to a serious accident. In addition
to protecting the policy owner, OBEL also covers passengers
and any pedestrians that are injured during a motor vehicle
accident that is associated with the policy holder's immediate
Medical Payments Pays for medical expenses (and sometimes funeral expenses)
resulting from an accident for you and others riding in your car.
It also pays for you or your family members injured while riding
in another's car or while walking.
Rental Car Provides a rental car when your car is being repaired after an

Talk to an agent and get a personal insurance review to find out how much more you could be saving.


*These summary descriptions are not a contract, and are intended solely to inform you about the features of auto insurance. The actual insurance policy determines exact obligations.


When should I add my teen driver onto my policy?

Most insurance companies, including AAA, want to know when the teen driver receives their permit. The teen is added onto the policy free of charge for six months, or until they receive their driver’s license, whichever comes first.

What happens if my teen driver has an accident while learning to drive?

If your child is operating the car of a licensed driver training company (such as AAA), the company’s insurance will handle any damages. If there is a ticket issued for any motor vehicle violations, it will go onto the driver’s (your child’s) motor vehicle report.

If your child is operating a parent’s vehicle, or a family member’s vehicle, the insurance that covers that automobile will handle the claim (i.e. If teen crashes mom’s car, mom’s insurance policy will cover the accident).

Will my insurance costs increase if I add a teen driver onto my policy?

There are surcharges associated with inexperienced operators for most insurance companies. These surcharges typically apply to drivers with less than three years of driving experience. In most cases, it is cheaper for your teen driver to be added onto your policy instead of getting their own auto insurance policy. Contact your insurance agent prior to your teen receiving their permit so you are not surprised by the increase.

What is No-Fault insurance?

No Fault Insurance is one of the most misunderstood auto insurance coverage forms in New York State. The correct name of the coverage is Personal Injury Protection (PIP). PIP is a mandatory coverage that is included on all New York State Auto Insurance policies. The mandatory minimum coverage limit is $50,000 per person.

What exactly is Comprehensive Insurance coverage on my auto policy?

It’s insurance that covers damage to your vehicle that is not caused by a collision with another vehicle or object. Comprehensive is sometimes referred to in an auto policy as “Other Than Collision” coverage. In addition to covering damage caused by storms and road hazards, it covers your vehicle for theft, flood, fire, vandalism, and other specific perils. Comprehensive coverage is usually sold along with collision insurance. Just as the name implies, collision insurance covers damage to your car resulting from a collision with another car or object, or from your vehicle overturning.

Does taking a defensive driving course reduce my car insurance premium?

The six hour point and insurance reduction course provides a discount on your auto insurance. You save 10% on the collision, liability and no-fault portions of your auto insurance policy. Plus, you can also reduce up to four points on your license.

And the course is now offered online as well. AAA has both classroom and online options – so members can choose what is most convenient for them.