Because people who are willing to pay to belong to an auto club are statistically more safety minded, insurance bought through AAA is less costly. The difference will more than pay for your membership. Plus you can use your membership card to get discounts at many stores, restaurants, etc.
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If you are over 50 or if you are a member of AAA or AARP, ask if discounts are available. Also ask if you can get professional discounts for products related to your profession. I just switched to a new insurance company, and found out if I had gone through AAA I would have gotten a discount.
Examples: Barnes & Noble used to offer discounts on all books to teachers (needed to present a recent pay stub to qualify.) Not sure if they still do. My city offered discounted TIX for Teachers for many entertainment events. Sally's beauty supplies offered discounts for seniors.
We've been members of a credit union for 5 yrs and are just now realizing how many extras it offers other than good rates on loans. Discounts on rental cars, free travelers checks, free life insurance, etc. We just opened up Christmas and vacation accounts that are great ways to save for big things!
I have trouble saving money for my car insurance and I hated paying the extra fee for paying it in installments. I opened a "side" savings account at my credit union titled "Insurance." I am only allowed to take money out of that account for my car insurance! I found it makes my life so much easier!
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