AAA can even help you to manage your money. They actually offer personal loans, credit cards, deposit certificates, and even IRAs, thanks to its financial services.

Naturally, AAA offers a lot of assistance when it comes to car repairs. In addition to personally helping you, you can choose a mechanic based on the AAA rating.

Did you know AAA even offers a special savings program for prescription medications? You can get a discount for up to fifteen percent at participating pharmacies — and that is for name brands. For generic medications, it is more like thirty five percent.

AAA also offers help with travel, such as getting your passport in order.

These are just a few of the benefits that come with the AAA membership. Check it out yourself to see if this is a good idea for you.

First up is a bit of a surprise. Even I was not aware of this.

With a AAA membership (and can I just tell you guys how difficult it is to write “a AAA,” which though phonetically correct, looks horrible grammatically?), you are entitled to bail bonds.

Yep, you read that right. Bail bonds. Specifically, if you get into any kind of minor traffic trouble, in set states AAA will actually provide you with a certificate good for a thousand dollars or less, and often up to five thousand dollars worth of bail money can come to you.

AAA also offers an enviable battery service — and it is mobile at that. Meaning, with a membership your batter can get tested, it can get diagnosed, and it can even get replaced if necessary.

AAA. Triple A. The American Automobile Association.

Many drivers are members of this association. Many drivers are not aware of what, exactly, the benefits of a membership are.

While not tied directly to auto insurance, this is a topic that can complement insurance.

Having access to AAA can be hugely beneficial, and it is important to understand why, especially considering how cheap it is to become a membership.

The yearly dues are a drop in the bucket compared to how much you can save by having a membership. And not all the bonuses are related solely to your vehicle.

We are going to take a close look at the many advantages of a membership. You can decide from there whether it is a good idea for you to seek membership.

Accidents do happen. Cars get totaled. That comes as no surprise. What is a surprise, however, is the actual value of your car when it is totaled. Car insurance companies do not rely on the Blue Book, or even the National Association of Automobile Dealers to find these values. Most of them have their own proprietary lists. Some factors include the vehicle’s condition before the accident and its mileage.

Sometimes insurance companies will even ask local car dealers what they might charge for a replacement. There are lots of things companies do to determine the value of your totaled car — and you may not agree with the amount they decide to use.

If that happens, there are things you can do, such as show them maintenance records, get your own quotes on replacements, or even keep yourself safe by purchasing gap insurance.

Sometimes, people borrow your car. If it is a spouse or other, very close family member, he or she may be included on your insurance and have permission to drive your vehicle, and that is all right.

Sometimes, however, we let our friends drive our vehicles, and that is where potential problems arise. If your friend is a bad driver, you may well have to pay for that.

Let’s just say that your friend borrows your vehicle and then has an accident. You will, of course, have to file a claim if that happens — and it will be up to you to pay any applicable deductions. Not only that, but the odds are good that your insurance rates will increase as a result.

Of course, if your friend did not get your permission, you may not be liable for any damages. However, if your friend does not have insurance, then anyone else involved in the accident may be able to come after you for damages.

The subject of teenage drivers is often a sticky one. For sure, the subject of adding your teen driver onto your insurance policy can be an incredibly frustrating one.

However, there are some facts you may not know about, where teen drivers are concerned. For instance, just because your teen turns sixteen does not mean you have to add him or her onto your policy right away. Feel free to wait until he or she is actually a fully licensed driver.

You see, it is not a requirement that you add a teen driver onto your car insurance policy simply because he or she has reached the age to drive. It is fine to wait until your teen actually gets his or her license. Of course, if you are in a rather high risk insurance pool, you can also add your teen when he or she gets a permit.

However, you need to remember to tell your insurer that your teen has a driver’s license.

While taking the time to compare quotes you get on the internet with those you call around for might seem like a tedious waste of time, there are many things you can do to save time with this endeavor.

One thing that you need to do is write down or otherwise make note of all of the rates that you are receiving. In so doing, you also need to be certain that the quotes and rates you have received pertain to the same kind of coverage. This makes it easy to go back and begin comparing different car insurance quotes.

Your comfort level matters as well. With every individual company you are considering, you also need to make sure whether the payment policy they are offering makes you comfortable.

In seeking these quotes, also inquire about any special deals, discounts, offers, or promotions.

Now, then, it is absolutely vital that you remember that, while the convenience factor of online quotes is fantastic, that is not the most important aspect of your search. You presumably want to find the very best bargains while you are comparing quotes, and because of that, you are going to have to spend some time actually calling around to different car insurance companies and agents.

You see, a lot of the auto insurance companies which may not yet have quotes available online still offer competitive rates. You do not want to miss out on those.

Remember, again, convenience is not the only thing that matters. You want to get the best deal possible, and competitive prices can be your very best friend. It is definitely worth it to do some things the old fashioned way, and by comparing online quotes with those you attain yourself, you can save a substantial amount of money.