AAADrive™ is a powerful smartphone based tool in the AAA Mobile App that measures your driving habits and produces a safe driver score. Enrollment in AAADrive™ is free to all ACG members and insureds. AAADrive™ usage will help to improve the safety of our roads, as well as provide additional member value such as measuring the driving of your teenage children. ACG insurance customers are also eligible to enroll in the AAADrive Insurance Discount Program by downloading the AAA Mobile app and recording their journeys to qualify for a discount on their auto insurance.

To be eligible to use AAADrive™ you must meet the following criteria:

• Be a current AAA Member residing in an Auto Club Group (ACG) Club territory and/or an ACG insurance customer enrolled in the AAADrive™ Insurance Discount program.
• Check your phone's eligibility at Google Play or the App Store by texting Mobileapp to 99513. If your phone does not meet the requirements, you will not be able to download the app.

Note: AAADrive™ is not compatible with tablets or windows smartphones.

When installing the AAA Mobile app for the first time, you can establish your AAA account. The log in process in AAA Mobile and AAADrive™ will prompt you for your credentials, as required. Access AAADrive™ to accept the Terms and Conditions and follow the prompts to complete AAADrive™ registration. You are now ready to take journeys by having your GPS/location settings enabled on your smartphone.

Yes! AAADrive™ is part of the AAA Mobile App and is available to all members within ACG footprint. Members are encouraged to use AAADrive™ to get safe driving feedback and then can decide if that is something they would like to add to their insurance policy.

After speaking with one of our agents and opting into AAADrive™ discount, the insured will click on their link, located in their welcome email or text. Then the insured will follow the prompts to register, as required. Access AAADrive™ to register for the AAADrive™ Insurance Discount by confirming your Driver’s License number and Auto Policy number. Click Submit. Accept the Terms and Conditions & Usage-Based Insurance participation agreement and follow the prompts to complete AAADrive™ registration. You are now ready to take journeys by having your GPS/location settings enabled on your smartphone.

Once you’ve installed AAA Mobile on your smartphone and registered in AAADrive™, AAADrive™ will sense when you are in motion and will capture the relevant journey details. Just take your phone with you and make sure your GPS/Location Services for the app is switched to ALWAYS on and battery settings are not set in saver/optimized mode. If your GPS is switched off when you access the AAADrive™ section of AAA Mobile, you will be reminded to enable the GPS/Location Services. Without it, AAADrive™ will not function correctly. For iPhone users, your Location Services and Fitness Tracker should be on.

Yes. To retain access to your driving data, simply reinstall the AAA Mobile App and access AAADrive™ on your new smartphone using the same sign-in credentials you used when you originally registered.

AAADrive™ will consume battery similar to other navigational apps as GPS must be set to always ON to accurately record your journeys. When AAADrive™ is not recording a journey, the impact on your battery should be minimal. However, to help conserve your battery, AAADrive™ has several features available under Settings:

 Wi-Fi only setting will conserve your battery and save data charges by preventing data from being sent over the cellular network until a strong Wi-Fi signal is present.

 Battery threshold will temporarily pause AAADrive™ once your battery level reaches the default of 20%. AAADrive™ will automatically resume recording journeys once your smartphone’s battery exceeds 20%.

 Pause AAADrive™ feature will temporarily pause journey recording by selecting one of the timeframe options displayed to turn off AAADrive™’s use of GPS (3 hours, 8 hours, 1 day). AAADrive™ functionality will automatically resume when the time period ends or you can press the Resume Recording button on the dashboard to restart journey recording.

In general, the capturing of journeys by the app is dependent on a number of factors such as age of the phone or quality of cell signal. Changes made by Google and Apple to the operating systems and/or changes made by the service providers or phone manufacturers all affect the AAADrive™ ecosystem that insurance carriers have no control over. The miles and journeys collected over a period of time should help minimize the impact of a specific journey or specific day where the journey could not be captured. Also, opening AAADrive™ periodically will help ensure that GPS/location services settings are prompted and journey tracking is resumed if it is interrupted for any reason. Let us know if you are not capturing a large majority of journeys by contacting our Member Service Desk, toll-free, at (866) 222-2273 (Option 3) or emailing us at WeCare@acg.aaa.com.

Smooth Driving – Your ability to manage your speeds and anticipated hazards on the road
Speed – Your speed against other drivers who are using the road
Mobile Distraction – Your interaction with your phone while driving
Time of Day – The different time periods when you are driving
Fatigue – How long you drive without taking a break

The AAADrive™ application cannot detect who is the driver and who is the passenger during a journey. If a journey is recorded while you are a passenger (not driving) the journey should be manually reclassified as passenger. If a journey is recorded while you are the driver, but another individual in the vehicle is actively using your phone, the journey should be manually reclassified as passenger. AAADrive™ users have up to 7 days to reclassify a journey. To do so, select My Journeys>Journey Details>Modify Journey Type.

If you have more than 1 major violation, or more than 2 at-fault accidents, or more than 2 not-at-fault accidents* you will not qualify for the AAADrive™ insurance discount at this time. However, you can still enroll, and use AAADrive™ if these accidents and violations are not considered at your policy renewal and you meet the AAADrive™ minimum requirements. If you have questions, call your AAA Agent to confirm your eligibility. *In Georgia, Tennessee and North Dakota, not-at-fault accidents are not included in determining eligibility for the AAADrive™ insurance Discount.

When installing the AAA Mobile app for the first time, you can establish your AAA account. The log in process in AAA Mobile and AAADrive™ will prompt you for your credentials, as required. Access AAADrive™ to register for the AAADrive™ Insurance Discount by entering your Driver’s License number and Auto Policy number. Click Submit. Accept the Terms and Conditions & UBI participation agreement and follow the prompts to complete AAADrive™ registration. You are now ready to take journeys by having your GPS/location settings enabled on your smartphone.

AAADrive™ Insurance Discounts availability and amounts vary by market. Please call your AAA Agent or access AAA.com for more information. You can opt in to AAADrive™ as part of purchasing your policy online. You can also talk to an agent to enroll in the AAADrive™ Insurance Discount program. Then, install the AAA Mobile App on your phone, either log in or create a AAA account (if you don’t have one already), and then register for the AAADrive™ Insurance program. Although subject to change, the current minimum requirement is to record 10 miles and 2 journeys within 23 days of signing up with your agent or buying a policy online to become eligible for the initial AAADrive™ Insurance Discount. Policies issued on or after 10/1/18 with AAADrive™ in GA, TN & FL, requires each driver to take 2 journeys and drive 10 miles within the first 45 days of enrolment to become eligible for the initial AAADrive™ Insurance Discount..

If you or any participating driver on your policy fails to meet the 10 miles and 2 journey requirements within the stipulated period, you may be eligible for a pro-rated participation discount by notifying your agent or call center to request re-evaluation if you completed the requirements within the policy term.

When your renewal policy is generated, we check to see how many miles and journeys were recorded in the previous 120 days. Each participating driver must record at least 1,000 miles and 25 journeys using AAADrive™ over the 120 day evaluation period to maintain the discount on their auto policy. This equates to approximately 250 miles and 7 journeys per month, so be sure to regularly use AAADrive™. In addition, we also check eligibility conditions on violations and accidents to determine if you continue to be eligible to participate in this program.

Each participating driver’s overall AAADrive™ score is weighted by their estimated annual miles which are calculated by AAADrive™ If there are two participating drivers that both drive 10,000 miles per year, their overall AAADrive™ scores will be averaged to create a household score which will be used in the determination of the discount.

Please contact your agent or call center with questions about the AAADrive™ Insurance Discount.

You can find the score used to rate your policy on your Insurance Policy Declaration and/or on AAA.com/My Account under the View Policy Details link

The AAADrive™ score that appears on your Insurance Policy Declaration is your overall score in AAADrive™ on the day your policy was evaluated for rating purposes.

To turn off AAADrive™, select the deactivate option from AAADrive™s Help/More menu. This will remove you from being a current user and will no longer record Journeys. If you choose to reactivate, you will re-register with your old credentials and the Journeys you had previously taken within the last 120 days will be restored.

Note: At renewal, you will likely not have enough data to remain qualified for the discount and may lose the discount.

AAADrive™ is free to ACG Members and/or ACG insurance customers enrolled in the AAADrive™ Insurance Discount Program (where available). Participants can choose to use cellular data or Wi-Fi to transmit data from AAADrive™. Applicable data charges are the responsibility of the smartphone owner. Data plans vary by network so check with your provider to ensure your wireless phone plan meets all of your data needs. For an average commute, the data that is used is approximately the same size of an average digital photo. AAADrive™ sends data at the end of each journey as long as your phone has a data connection. If there isn’t a data connection available at the end of a journey, AAADrive™ will send the data as soon as a data connection has been re-established. If you are concerned with the impact on your data plan, consider enabling Wi-Fi only in the AAADrive™’s Settings menu. Enabling this option will ensure data from your journeys are only sent once a Wi-Fi connection is established.

When you modify a journey type, you need to take another journey in order for the miles and overall scores to be updated.

Based on data connection, signal strength and ability for the smartphone to send data, there might be a delay after journey completion for the journey details to appear on your dashboard. There are notifications on unsynced journeys that indicates to the user that the transmission is still happening.

The “Our Safety” is a great feature within AAADrive™ that can be used to help parents or family members have a conversation with their teen or senior drivers to set thresholds for when they can drive, where they can drive and how fast they can drive. You can also receive alerts when those limits have been exceeded and provide coaching as needed. All users invited to participate in “Our Safety” must be an active AAA members or insureds residing in an ACG club territory and be able to download AAA Mobile and use AAADrive.

The data collected from AAADrive™ is used to help AAA members and insurance customers learn more about their driving habits and patterns to improve driver safety; it serves as the foundation for ACG’s usage based insurance discount program. Data captured includes the start and end times of each journey, GPS information, accelerometer data, cellular call state and mobile device information including the battery level, IMEI and operating system. This data is used to derive information about your journey including acceleration, speed, braking, mobile distraction as well as distance, time of day, and route traveled.