What is auto insurance?
Auto insurance helps cover costs related to accidents, vehicle damage and other covered events. In most states, carrying auto insurance is required by law. The right coverage can help protect you, your passengers, your vehicle and your financial well-being when the unexpected happens.
What can auto insurance cover?
- Accidents
- Theft
- Vandalism
- Severe weather and natural disasters
- Damage caused by uninsured or underinsured drivers
- Injuries to others or damage to their property if you're at fault in an accident
The two main types of auto insurance coverage
*The coverage you choose determines what will be covered in the event of a claim. Items listed above may not be covered. Be sure to talk to your AAA agent to find out what your auto policy covers.
Understanding your deductible
A deductible is the amount you’re responsible for paying before your insurance coverage helps pay for your vehicle damages from a covered claim.
Choosing the right deductible is about finding a balance between your monthly insurance costs and what you would be comfortable paying if you need to file a claim.
Saving money on your insurance
Insurance discounts vary by state, but here are some of the most common:
AAA Membership
Automatic Bill Pay
Bundling
Car Safety Features
Claims-Free Driver
Good Student
Discounts vary by state. Be sure to talk to your AAA agent to find out which of these discounts you may be eligible for.
How much coverage do you need?
The amount of coverage that’s right for you depends on factors such as your vehicle, driving habits, budget and financial goals. While state minimum requirements provide a starting point, many drivers choose additional coverage for greater protection and peace of mind.
Your AAA agent can help you evaluate your options and understand which coverages may be appropriate for your situation.
When should you review your coverage?
- Buying a new or used vehicle
- Getting married or growing your family
- Buying a new home or moving to a new area
- Starting a new job or retiring
- Experiencing major life changes that affect your transportation needs
FAQ
Get answers to common car insurance questions
CSAA Insurance Group works as a dedicated, affiliated underwriter, partnering with regional AAA clubs and their agents to provide auto, home and other types of insurance to members.
When it’s time to choose auto and home insurance, we hope you’ll choose AAA. We value our members and work with you to tailor coverages to meet your needs. Call a AAA insurance agent, come into one of our branches or visit us online at AAA.com/insurance today.
While it’s possible to purchase insurance from AAA without being a member, becoming a member can have a positive impact on your insurance rates, coverage and experience.
One of the most well-known benefits of AAA membership is access to 24/7 Roadside Assistance. Whether you need a tow, jump start or help with a flat tire, AAA is there to help provide peace of mind during your travels.
