You’ve been with AAA for a little while now and enjoyed your time with the company. 

But over the years, your rates have crept up a bit—or maybe your financial situation has changed. In that case, it might be time for a change of insurance. But is canceling AAA simple? And will finding a new car insurance company be a total headache?

Luckily, you don’t have to worry. As we’ll discuss in this post, AAA doesn’t make their policyholders jump through hoops to cancel their coverage. With straightforward, responsive member services, AAA ensures you can cancel in a few simple steps.

As for finding new auto insurance, Insurify is a no-brainer. With Insurify, you can compare free quotes on auto insurance from a wide range of companies. Simply answer a few questions about your driving history and vehicle, and Insurify will generate quotes from major industry heavyweights as well as smaller regional brands—giving you plenty of choices as you search for affordable insurance.

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At a Glance: What is AAA’s cancellation policy?

So you’ve decided it’s time to move on from AAA auto insurance. Well, you’ll be relieved to know that canceling your insurance with AAA is quite easy. AAA lets you cancel by calling their phone number at 1 (877) 387-8378. 

If you prefer to handle your cancellation in person, you can go to a local AAA location and speak to an agent. Have your policy information in mind when calling or visiting, as your agent will ask for your policy number

While AAA doesn’t list a cancellation fee on their website, some AAA customers have mentioned a fee equal to 10 percent of the remaining payment left on their policy. That’s why it’s probably a good idea to cancel your policy later in the policy term. Keep in mind this fee might be applied on a regional basis, and some policyholders may not face such a fee. 

AAA also offers a popular roadside assistance service. Keep in mind you can cancel your AAA car insurance while still keeping the towing and membership benefits that come with being a AAA member. Your AAA membership can be canceled separately by going to AAA.com and clicking “Cancel” on the My Account dashboard or by calling AAA at 1 (800) 836-2582. 

Step 1: Look up your renewal date. 

It’s a good idea to cancel AAA insurance close to the renewal date. To figure out your renewal date, go to the website and search your account information, or contact the AAA call center at 1 (877) 387-8378 to speak to a customer service representative. Canceling near your renewal date could mean you’re subject to a smaller cancellation fee. In general, the closer you are to your renewal date, the less money that will have to exchange hands after cancellation, making for a smoother process.

Additionally, knowing your renewal date helps guarantee you secure new car insurance before your policy ends. If your AAA policy ends and you still haven’t found new insurance coverage, you might end up with a gap in your coverage. This gap in coverage will not reflect well on you as a driver and might result in higher premiums in the future.

Step 2: Compare car insurance quotes.

As you search for new car insurance, it’s a good idea to compare car insurance quotes. That’s where Insurify comes in. Insurify makes it easy to find affordable car insurance by putting many quotes side by side in one place. You’ll skip having to contact different car insurance companies and ask for quotes. With Insurify, everything you need is in one place so that comparing quotes is a breeze. 

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Step 3: Think about why you’re leaving AAA.

As you search for new car insurance, many points of comparison will emerge. You’ll find budget options, more expensive and robust coverage plans, and companies that emphasize certain coverage bells and whistles, like usage-based programs or fancy bundling options. 

While sorting through these options, remember why you’re leaving AAA in the first place. Are you looking for better customer service? Do you want lower insurance premiums? Keep these needs in mind as you compare quotes and weigh your options. 

Step 4: Enroll in a new car insurance policy. 

Before you cancel your AAA insurance, be sure to enroll in a new car insurance policy. While this might seem unintuitive, this ensures you never have a gap in coverage. Even if your policies overlap for a few days, that’s better than having your AAA policy end before you’ve secured a new policy

So you’ve used Insurify and found the perfect policy for you. Now you simply need to contact an agent from that company and let them know you’re looking to enroll in a plan. You’ll want to give this new insurance provider your desired effective date, date of birth, vehicle information, and payment info, such as a credit card number. They also might look at your credit score to help determine your insurance rates.

Step 5: Cancel your AAA policy. 

Once you’ve secured your new car insurance policy, be sure to cancel your AAA policy. Simply reach out to an insurance agent at 1 (877) 387-8378, or visit a AAA location in person to speak to a local agent. Unfortunately, you cannot cancel online. 

Again, remember that the process for canceling your AAA membership is a bit different from canceling your insurance––it involves logging on to AAA.com and terminating your membership in the My Account dashboard.

AAA may offer you a lower price when you tell them you’re canceling. Remember your reasons for canceling in the first place, and weigh whether this lower price is worth it. You might find that it’s still time to switch car insurance.

Step 6: Follow up on your refund. 

Say you paid your remaining premiums earlier in your policy term. If that’s the case, you might be able to secure a refund from AAA. As car insurance companies are busy places, you might not get this refund as quickly as you’d like. To make sure you eventually get this refund, follow up with your insurance agent. Call AAA, and ask about your refund if a few weeks have gone by and no payment has been received.

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Updated September 30, 2020

Mark Steinbach is a writer based in Brooklyn, NY. In addition to his years of work as a copywriter, he is also a TV writer with a degree in English from Harvard University. When he isn't writing, he can be found playing tennis or doing crossword puzzles.