insurance

How To Save on Car Insurance

David Monforton
David Monforton 2 Min Read
A man sitting at a desk reviewing paperwork.

Taking the time to make a smart automobile insurance purchase can pay great dividends, benefiting you for years to come. Here are six best practices that can help you find the coverage you need while also saving on premiums.

Here’s how to save on car insurance

  1. Bundle your policies: Insurers offer large savings when you group your vehicle and home, condominium, renters and even life insurance policies together.
  2. Increase your deductible: Raise the deductible on your insurance, and you’ll save on your premiums. Just be sure you can cover the higher deductible if you have a claim.
  3. Consider insurance costs before you select a vehicle: Premiums are based partly on the car itself, such as the make and model. Some insurers also offer discounts for automotive features that reduce the risk of theft or personal injury.
  4. Improve your credit history: Research suggests that people who manage their credit well file fewer claims and are therefore less expensive to cover.
  5. Use low-mileage discounts: Do you have a short commute to work, or do you carpool? Some insurance companies offer discounts to motorists who drive fewer miles than the average.
  6. Drive safely: Generally, a better driving record means lower premiums.

Here’s how to save more on car insurance with AAA

AAA offers discounts on auto insurance. Talk to your local agent to see whether you are eligible for these discounts and others.

AAA Triple Check®:  (available in select states) AAA offers a free Triple Check to help you understand your insurance coverage—from any company. This analysis will determine whether you have enough coverage without paying for protections you don’t need, and it will help you identify discounts you qualify for with insurance through AAA.

Member benefits

AAA insurance agents can help

Insurance through AAA is designed with members in mind. Speak with an agent who can help you get the coverage that fits your needs and budget.

Find an agent

Insurance Disclosure

This information is being provided for general informational purposes only. The Auto Club Group does not assume any liability in connection with providing this information.

Coverage is subject to all policy terms, conditions, exclusions and limitations. Discounts and savings opportunities subject to eligibility requirements. Subject to underwriting requirements. AAA Insurance is a collection of AAA branded insurance products, services, and programs made available to qualified members. Personal lines insurance is underwritten by Auto Club Insurance Association, MemberSelect Insurance Company, Auto Club Group Insurance Company, Auto Club Property-Casualty Insurance Company, The Members Insurance Company, Universal Insurance Company, Auto Club South Insurance Company, or Auto Club Insurance Company of Florida. ©2025 The Auto Club Group. All rights reserved.

Offer valid through 4/30/2025. Offer valid for Classic/Basic Memberships only. Pricing valid at member join only. Offer excludes Motorcycle coverage. Payment of full AAA Membership dues is required upon renewal. Offers, terms, conditions and restrictions apply and are subject to change without notice. Not combinable with any other offer. Offer not valid in FL, GA, MI or PR. A member can add one eligible family member for free for up to one year. Additional Associates are half price. Associate memberships are available to the Primary member’s spouse, one other adult living in the household, and their children living at the same residence or away at school. Associate members must have the same type of membership as their Primary member, with the exception of Motorcycle. Associate membership expires on the renewal date of Primary member.

Upon activation and with proper identification, AAA will provide regular AAA services and full privileges for the new member. Roadside benefits begin three days after payment of dues. Some restrictions apply. Roadside assistance is provided by independent facilities contracted by AAA. Coverage in taxis, limousines and other ride-sharing conveyances is excluded. Visit AAA.com/MemberHandbook for details about member benefits, including any limitations or restrictions. Offers, terms, conditions and policies are subject to change without notice. Savings partners subject to change. Source: 2023 AAA U.S. Market Track national surveys. Includes service vehicles owned by clubs and service vehicles owned by third parties under contract with AAA to provide services to AAA members. Taxes, fees & options excluded. Terms apply. Partners and offers are subject to change and restrictions apply. For a complete list of offers, visit us online at AAA.com/Save or your local AAA office.