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Purchasing Car Insurance Without a Membership

Here's what you need to know...
  • Group Memberships are not necessary to purchase auto insurance unless you wish to purchase it from a company that requires membership in its group to have access to insurance
  • Often, group membership yields discounts on auto insurance
  • Membership groups vary from driving groups to alumni groups
  • Weather you’re part of a group or not, you should see what discounts apply to you and make sure you receive them on your car insurance premium
Purchasing car insurance without a membership is a relatively easy thing to do. Even though membership in certain groups will give you the opportunity to get discounts that you would not otherwise qualify for, it is not a requirement.

If you want to purchase car insurance from groups like American Automobile Association (AAA) or the Association of American Retired Persons (AARP), you will definitely need to have a membership in order to access such a policy.

To find the best car insurance for the best price just enter your ZIP code above and start comparing rates from many different auto insurance companies with no membership required!

The Benefits of Membership

adobestock_55566404-1600x1600Most car insurance companies offer discounts to members of certain groups. Those groups vary from company to company.

Therefore, you may find that as you are shopping around certain companies will offer you significantly better rates than other companies.

The difference is not always just due to underwriting differences. It is often because one company offers a discount for a group you belong to while others do not.

The types of groups such as AAA and AARP have their car insurance programs that are exclusively available to members.

They offer preferred rates to those who are a part of their group only. Anyone who wishes to have such a policy must apply for membership first.

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The Kinds of Memberships That Are Beneficial to Carry

Certain groups that allow you to obtain discounts on car insurance may be ones that you already belong to thanks to your schooling, profession or some other reason.

  • Alumni groups – These are one of the most common types of discount groups.
  • Professional organizations – This is another place where members often get car insurance discounts.
  • Credit union – If you bank at a credit union, there may be insurance discounts available through your membership there.
  • PTA – Such a membership may earn you discounts and usually costs about only $5 per year.

Ask an insurer that you are planning to do business with if you have all the possible discounts already. If not, ask for which groups they offer discounts to.

There are certain groups you can join to earn extra discounts on your car insurance. If you want to use a certain insurer or find the best policy at the best price through one company, you might be eligible for an even better price if you become a member of certain groups.

Finding Policies That Rival Ones Offered by Membership Based Groups

It is surprisingly easy to find good insurance policies that rival the prices offered by membership-based groups. The secret to finding great deals on car insurance is to know about the factors that contribute to lower prices and the fact that you must shop around.

Insurance companies take a variety of factors into consideration when setting rates. They look at the age, gender, and marital status of all drivers in your household.

They thoroughly investigate the previous three years of your driving record. They will also look at your insurance record, which includes whether or not you have had continual coverage and the frequency with which you make claims.

They even look at where you live. Your habits and history are important to the rates you pay.

Insurance companies also look at the type of car you drive.

Newer cars are more expensive to insure than older ones. Sports cars are more expensive to insurance than family cars. Powerful cars are more costly to insure than economy cars. Insurers also consider how much coverage you want to carry.

All of these factors are important to how much you pay for car insurance coverage.

Getting Discounts

AdobeStock_76267159-1600x1600You should also know that insurers give discounts for a variety of reasons. You may be able to save yourself money if you know about the things that can give you a break on the cost of insurance.

The following will usually earn you a discount on auto insurance:

  • A good driving record
  • All drivers over a certain age
  • Factory installed safety features
  • low annual mileage
  • Taking driver training courses
  • Membership in certain groups

Be sure to ask about other discounts as there are some very unusual ones out there that many people may unknowingly qualify for.

When you are looking to purchase car insurance without a membership, one of the most important things you can do is to shop around for the best price.

Free online quote tools can significantly simplify the process for you, by allowing you to provide your information only once and then taking care of submissions to various insurers. You get personalized quotes quickly and easily to compare and make your choice from.

How can I determine if these membership groups have the best car insurance prices?

Comparing multiple providers is the only way to ensure that you are getting the best price on car insurance.

Even though many people choose to get information about car insurance providers from friends and family, it is always a good idea to do independent research.

A couple of decades ago someone looking for a new insurance provider would either have to go to multiple offices or make phone calls and talk to various insurance agents.

Luckily, we have the Internet today, so someone can use a website like this one to compare the rates of multiple car insurance providers with just a few simple clicks of their mouse.

Get started today with our FREE online quote tool to save money on car insurance without membership!

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