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It happens once or twice a year: You receive notification it’s time to renew your auto policy. But before you make that decision, take the time to consider what might affect your rates and coverage. Is there a newly licensed driver in your household? Do you have a long commute?
Before you commit to renewing your policy, consider these important questions:
Have my driving habits changed?
IN some instances, your insurance rate may move lower if you drive less. Perhaps you retired, got a new job with a shorter commute, work from home or walk or bike to work or school more often.Lower mileage could make you eligible for low-mileage discounts with some insurers.
Have my coverage needs changed?
Life events like buying a home, having a baby, getting maried or getting a new car can impact your insurance needs and coverage you'll need. It likely will affect your monthly premium amount as well.
What discounts can I qualify for?
Explore all potential savings options, from safe driver discounts, student savings and bundling insurance policies can provide ways to obtain discounts.
Failing to renew your car insurance on time may have serious consequences, including:
Renewing your car insurance doesn’t have to be a daunting task. By staying proactive, reviewing your coverage, and exploring your options, you can secure the best protection for your needs while potentially saving money.
Whether you decide to stick with your current provider or switch to a new one, the key is to ensure continuous, adequate coverage that provides peace of mind on the road.
Take the time to renew wisely—it’s an investment in your safety and financial security!
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.
