5 Memberships That Offer Car Insurance Discounts

Savvy shoppers know that membership in an organization such as AAA or AARP comes with a wider variety of benefits. But even the shrewdest consumers overlook some perks that can save them a bundle.

For example, if you are a member of some nonprofits or clubs, you are probably eligible for discounts on car insurance that could put a nice dent in your driving expenses.

In fact, a bunch of organizations offer this membership perk. They include:

1. AAA

This nonprofit service organization offers car insurance discounts to members, although the details may vary from one regional AAA club to another.

As just one example of savings, AAA says member discounts can save drivers as much as 20% in Colorado.

2. AARP

This nonprofit interest group for folks ages 50 and older offers its members savings through the AARP Auto Insurance Program from The Hartford.

3. Alumni associations

If you belong to an alumni association — or if you have the option to join one — ask either the association or your current car insurance company whether discounts are available to alumni association members.

For example, the benefits of membership in the alumni association of Penn State University include savings of up to 10% on auto insurance with Liberty Mutual.

Geico also offers savings to members of alumni associations, all of which are listed on Geico’s “Alumni Associations, Colleges, and Universities” webpage.

4. Wholesale clubs

If you belong to a wholesale club, ask about car insurance discounts for members.

Costco, for example, partners with Ameriprise to offer auto insurance discounts. Not all members save money, the fine print states. But among those who do, the average savings is $589.35 the first year they switch, according to Costco’s website.

Additionally, BJ’s Wholesale Club partners with Geico.

5. All kinds of other organizations

If you belong to something — seemingly anything — there very well may be an insurer out there with a car insurance discount for you.

The insurance information website EverQuote reports that other types of organizations possibly offering car insurance discounts for members include:

• Business groups
• Military organizations
• Recreational organizations
• Fraternities and sororities
• Honor societies

For more ways to save on auto insurance, check out:

• “How to Get the Best Possible Deal on Car Insurance“
• “How I Found $546 in Car Insurance Savings in Under 10 Minutes“
• “How to Avoid 7 Costly Car Insurance Shopping Mistakes“

Have you ever taken advantage of car insurance discounts that come with a membership? Tell us what you thought of the perk by commenting below or on Facebook.