What To Do After a Car Accident

Your guide for when cars collide. How to prepare and what to do after a car accident.

Nobody ever plans to be in a car crash. That’s why it’s called an accident, after all. But even though it’s not in your plans, that doesn’t mean you can’t be prepared — just in case.

Take the panic out of what can be a high-stress situation by understanding the different types of car collisions that can occur, which steps to take right afterward and what to do in the following days to ensure the situation is handled properly.

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Most Common Causes of Car Crashes Include:

Source: World Health Organization

Speeding

Driving under the influence

Non-use of seat belts

Distracted driving

Do your best to avoid a crash with a refresher on defensive driving.

Take the AAA Defensive Driving Course

Do your best to avoid a crash with a refresher on defensive driving.

Take the AAA Defensive Driving Course

What to do after a car accident. Safety tips from AAA.

Immediately After a Collision

Assist anyone injured

Check with those involved in the collision to determine whether there are injuries. If medical attention is needed, call 911.

Control the scene

Stay at the scene of the crash. Get to a safe place, out of the way of oncoming traffic, while waiting for emergency services to arrive.
If your vehicle is drivable, safely move to the right or left breakdown lane. Some states require drivable vehicles to be removed from the roadway to avoid traffic congestion and dangerous maneuvers from other drivers.
Turn on your hazard lights and set out warning flares or reflective triangles. It’s a good idea to always keep a well-equipped emergency kit in your car for situations like this.

Once It Is Safe

Notify the police and submit a report

You are required to notify the police of a car crash. No matter what either party says, call the police and file a report.
Having a report on file may help later if a liability claim is filed.

Document the scene and exchange information

It is important to exchange and gather information with all parties involved in the crash, including witnesses. Having this on file will help with any future paperwork or address potential problems. AAA suggests documenting the following:

The names of those involved.
Addresses and/or email addresses.
Vehicle information, including make, model and year, for all cars involved.
Vehicle identification and/or license plate numbers for all cars involved.
Driver’s license numbers for drivers involved.
Insurance carriers and policy numbers for drivers involved.
Photos of the location, people involved and damaged vehicles.

If you are involved in a crash with an unattended vehicle or property, take action to inform the owner. If you can’t find the owner, attach a written notice of the collision to the vehicle or property, being sure to include your contact information. Leaving a crash, no matter how minor, is considered a hit-and-run and is punishable by fines and possible jail time in some states.

If your car won’t start or needs to be towed, contact AAA Roadside Assistance or use the AAA Mobile app to request services.

After Leaving the Scene

File a claim

You should notify your insurer as soon as possible to start the proper claim filing and get car repair and any medical expenses sorted right away.
Whether you file your claim by phone, online or by app, you should have your policy information on hand.
Be prepared to provide details of the crash, including the date, time, parties involved and any injuries incurred.
Don’t be afraid to ask questions, especially if it concerns your policy and deductibles.

Get your vehicle repaired

You have the right to get your vehicle repaired by a mechanic of your own choosing.
In addition to the facilities suggested by your insurance company, consider a quality AAA Approved Auto Repair facility. AAA’s network of repair facilities is inspected annually, and each is vetted for affordability, expertise, cleanliness and more. There are hundreds in the Northeast and thousands across the country, so they can help no matter where the crash occurs.

Be patient

Be prepared to assume legal and financial responsibility after a car crash. Resist letting your emotions get in the way of deciding who is at fault and never let yourself be pressured into admitting fault. If you feel it’s necessary, you can consult with an attorney before giving a statement.

Take care of your injuries

In the aftermath of a crash, we often think about costly car repairs, but tending to injuries should also be top of mind. Keep up with appointments such as physical therapy, rest when advised and listen to your doctors. If any changes in your medical care are recommended, communicate these with your insurance carrier as well.

How do insurance companies determine fault?

Unless the crash you were involved in can be considered no-doubt liability or you live in a no-fault state, there will likely be a process you and your insurance company go through to determine who is at fault.

Determining Fault After a Car Crash

“Typically, when a collision happens, the first line of defense is self-reporting,” advised Greg Smolan, vice president of insurance operations with AAA Northeast. “When the police are called, they’ll do an accident report that then goes to the insurance adjuster. Usually, the way the report is written will give you a determination of who was probably in the wrong.”

In many cases, bystanders have a part in determining who’s ultimately at fault.

“If I’m an adjuster. I’ll look at the police report, take statements from our driver and get their version of events,” Smolan said. “If there are any witnesses, I’d even call them for a statement. But we also have traffic cams now.”

Smolan said dashcams can be a great tool in the event of a crash.

“Certainly, if you’re in a collision and you’re trying to determine fault, a dashcam is video proof just like a traffic cam,” he said. “It’s totally valid.”

Essentially, if you’re trying to build a case, accumulating proof with photos, witnesses and the police report are your best bet.

“You may still technically be at fault,” said Smolan. “But at least you’ve produced as much evidence as you can to the contrary.”

No-Fault Insurance

Some drivers mistakenly think that no-fault means that no party will be blamed for an accident, but that’s not the case.

In states with no-fault laws, each driver is required to file a claim with their own insurance company after a crash if they are injured. Personal injury protection pays for medical expenses and lost wages, regardless of fault.

While blame isn’t used to determine who pays for your injuries, it is still determined for property damage, with the at-fault driver still responsible for vehicle repairs. Blame is determined by insurance adjusters, so that each insurance company compensates its own policyholders for the costs of minor injuries, regardless of who was at fault. The idea is for policyholders to get paid quicker and ultimately reduce the cost of auto insurance by taking small claims out of the courts.

Not every state has a no-fault system. In the Northeast, only Massachusetts, New Jersey and New York have no-fault laws.

Uninsured Motorist Coverage

In addition to liability, collision or comprehensive coverage, uninsured motorist coverage offers you protection from an at-fault driver who has no auto insurance coverage whatsoever.

In 2023, 1 in 7 drivers were traveling on the road without any type of vehicle insurance, according to the Insurance Research Council. If you’re hit by a driver with no insurance — or worse, you’re the victim of a hit-and-run crash — you get stuck with the bill for vehicle damage, medical expenses, lost time at work and a host of unexpected, accident-related expenses.

The following states require all drivers to purchase uninsured motorist insurance: Connecticut, Massachusetts, Maine, Maryland, New York, Rhode Island and Vermont. In other states, such as Delaware, it is automatically included in drivers’ insurance policies, and dropping it requires a driver to reject the coverage in writing.

Collision vs. Comprehensive

Collision coverage protects your vehicle should it strike another object like a wall, tree or vehicle. It’s optional under state law but is often a requirement for anyone financing a vehicle. Some drivers who carry collision coverage consider dropping it when the cost of the protection exceeds the value of their vehicles.

Comprehensive coverage, on the other hand, is optional but often a requirement for drivers who finance a vehicle.

“Think of comprehensive coverage as the coverage for damage to your vehicle that happens from anything other than a collision,” said Ashley Kehew, director of insurance sales at AAA Northeast. “It covers fire, theft, vandalism, flood and glass. Beyond that, it also covers if a tree falls on your vehicle, or if you were to hit an animal, like a deer.”

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Seguro 101: Seguro de Vida

A primera vista, los conceptos básicos del seguro de vida pueden no parecer tan básicos. Pero AAA está aquí para ayudarte.

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Quizás la primera pregunta sobre los seguros de vida que le viene a la mente a la mayoría es: “¿Qué es un seguro de vida, exactamente?”, seguida por “?” ¿Realmente lo necesito?”.

No hay una respuesta única para estas preguntas, pero esta guía completa es un buen punto de partida. Esta guía le explicará los seguros de vida desde el principio: aprenderá los términos y la jerga relacionadas y qué debe saber si es la primera vez que compra una póliza, hasta qué acontecimientos de la vida podrían provocar cambios en esta.

Hay mucho que aprender, pero no es tan intimidante como parece.

Si después de leer este material todavía tiene más preguntas, los agentes de seguros de AAA están a su disposición para brindarle ayuda.

The Basics Decoding Life Insurance Jargon Making sense of life insurance terms in a way that, well, makes sense.

Anualidad: Una anualidad es un contrato mediante el cual su póliza le proporciona ingresos regulares de por vida (o durante un período de tiempo determinado).

Beneficiario: Un beneficiario es la persona (o personas) que usted designa para recibir una indemnización si a usted le ocurre algo.

Valor de rescate en efectivo: El valor de rescate en efectivo es la cantidad de dinero que usted recibiría si cancela la póliza antes de que esta se liquide, menos las comisiones y los préstamos correspondientes.

Respuesta directa: La respuesta directa es un tipo de seguro sin intermediarios. Se vende directamente por correo, en línea o en persona.

Dividendo: Un dividendo es una pequeña bonificación que podría recibir si en algún momento su compañía de seguros de vida le cobró de más por la póliza.

Suma nominal: Piense en la suma nominal como en el valor nominal: Es el importe que la póliza le pagará sin incluir ningún extra.

Interés asegurable: El interés asegurable es la razón por la que se asegura a alguien, como las relaciones personales, los lazos familiares o financieros.

Aseguradora y Asegurado: La aseguradora es la compañía que proporciona la póliza, y el asegurado es usted (o la persona cubierta).

Caducidad: Cuando una póliza queda inactiva porque no se han pagado las primas.

Seguro de vida: Una póliza que actúa como red de seguridad financiera para sus seres queridos si le ocurre algo a usted. Es como decir: “Cuentas conmigo, aunque yo no esté”.

No caducidad: La no caducidad significa que si deja de pagar las primas no lo perderá todo; sino que podría elegir cobrar cierta cantidad en efectivo o reducir la cobertura.

Póliza participantes y no participantes: Una póliza participante puede ofrecer una parte de los beneficios de la compañía de seguros como dividendo. Una póliza no participante no lo hace.

Ingreso de la póliza: El ingreso de la póliza son los fondos que esta paga al vencimiento o cuando alguien la reclama (es decir, su beneficiario).

Prima: El pago periódico que se realiza para mantener activa la póliza. Es como ser socio de un gimnasio, pero en lugar de hacer ejercicio, le permite asegurar la salud económica de sus seres queridos.

Valoración: Una valoración es un recargo que se añade a la prima si se considera que usted supone un riesgo superior a la media.

Cláusula Adicional: Al igual que los famosos pueden agregar el requisito de agua de coco a la cláusula de su camerino, una cláusula adicional en materia de seguros de vida se añade para personalizar su póliza (como para agregar cobertura adicional o incluir cosas específicas).

Riesgo normal: La clasificación de una persona que solicita una cobertura de seguro de vida; entra dentro de los estándares medios en los que se basan las tarifas de las primas.

Contrato complementario: Un acuerdo independiente sobre cómo se gestionará el pago de la póliza (cuotas, un pago único, etc.).

Suscripción: El proceso de suscripción es como elegir un equipo de fútbol ideal. Ambos utilizan “estadísticas” (en este caso, historial médico y hábitos de vida) para evaluar el riesgo y determinar el mejor resultado (costo y tipo de cobertura).

Term vs. Whole Life Insurance: What Is the Difference? Thinking about life insurance but not sure if you should go with a whole or term policy? We explore the basics of each to help you determine which plan is right for you

Sabemos que pensar en un seguro de vida y en cómo proteger a su familia cuando usted ya no esté puede parecer una decisión difícil, pero es importante. Un seguro de vida puede ayudar a sus seres queridos a hacer frente a las deudas pendientes o a seguir pagando los gastos cotidianos. También puede utilizarse para liquidar una hipoteca, cubrir algunas deudas y pagar gastos de guardería que antes corrían a cargo del padre que se quedaba en casa. Y dado que las tarifas de las pólizas aumentan con la edad, cuanto antes se obtenga una, mejor.

Profundicemos en la diferencia entre seguro de vida temporal y seguro de vida entera y cuál se ajusta mejor a sus necesidades.

Seguro temporal

Como su nombre lo indica, este tipo de plan es temporal y ofrece una prima fija que proporciona cobertura durante un periodo de tiempo predeterminado. Normalmente, la duración máxima de un plan temporal es de 30 años a partir de la fecha de emisión, y si la persona asegurada fallece antes de que expire la póliza, los beneficiarios designados recibirán la prestación por fallecimiento. Al ofrecer un alcance de protección más limitado, las pólizas de seguro de vida temporal suelen ser más asequibles que los planes de por vida.

Seguro de vide entera

Los planes de por vida suelen costar más que los planes temporales. Y, a diferencia de los planes temporales, una póliza de seguro de vida entera es un compromiso para toda la vida. La cobertura permanece activa para el titular de la póliza desde la compra hasta el fallecimiento y, por lo tanto, las prestaciones están disponibles en cualquier momento. Además, los planes de por vida tienen un valor intrínseco en efectivo, y las personas aseguradas a menudo pueden tomar dinero prestado de la cantidad acumulada.

Lo que hay que tener en cuenta

Decidir entre un seguro de vida temporal o un seguro de vida entera depende de su situación.

Una póliza de vida temporal puede ser la mejor opción en los casos en que la pérdida de un ser querido podría tener un impacto profundo en las finanzas de los miembros de la familia. Básicamente, está diseñada para reemplazar los ingresos y proteger a las personas a su cargo y ayudarles a mantener su estilo de vida si usted fallece durante el periodo de vigencia de la póliza.

El seguro de vida entera es preferible para planificar herencias y el futuro de su patrimonio. Llegado el momento, este tipo de plan será mucho más adecuado para cubrir los impuestos sobre el patrimonio.

Decisiones y más decisiones

Tanto si opta por una póliza temporal como por una póliza de vida entera, todos los planes tienen en cuenta su edad, salud y situación financiera (es decir, deudas, gastos y activos). También debe prever los gastos que puedan surgir para sus beneficiarios en los próximos años, como los relacionados a la educación y la vivienda. Todos estos son factores importantes a la hora de tomar cualquier decisión sobre la póliza. Al final, la forma más precisa de determinar qué plan se ajusta a su presupuesto y a sus necesidades es comparar los costos a largo plazo de todas sus opciones.

Tips for First-Time Life Insurance Buyers Take the stress out of purchasing your first life insurance policy.

Por qué lo necesita

La situación financiera y familiar de cada persona es única, por lo que cada quien necesita un seguro de vida por motivos que podrían ser diferentes a los suyos. Por eso es importante hacer un balance de sus propias circunstancias para tomar la mejor decisión sobre qué póliza le conviene a usted particularmente.

Un seguro de vida es útil para personas de todas las edades y tipos de familia. Aunque sea joven y esté sano, puede ocurrir un accidente o una enfermedad inesperada, y el seguro de vida puede mantener la estabilidad de quienes dependen de usted. Para las personas adultas o con familia, un seguro de vida les ayuda a garantizar que sus seres queridos no se queden con una carga financiera cuando usted falte.

En resumen, un seguro de vida equivale a tranquilidad.

Equilibre su cobertura como Ricitos de Oro

Encuentre la cobertura que se adapte a su estilo de vida: ni demasiada ni muy poca.

Al comparar precios, preste mucha atención a los detalles de cada póliza, ya que hasta la opción más barata puede acabar pasándote factura más adelante. Si la póliza no ofrece la cobertura adecuada durante el periodo de tiempo adecuado, es posible que acabe pagando de más.

Busque el mejor precio

Una de las partes más cruciales al comprar un seguro de vida por primera vez es comparar coberturas. Busque una póliza que se ajuste a sus necesidades y a su presupuesto.

Las primas, es decir, el monto que usted paga para mantener su póliza activa, pueden variar considerablemente de un proveedor de seguros a otro, incluso para la misma cobertura. Por eso siempre le conviene solicitar cotizaciones a varias aseguradoras para comparar tarifas y encontrar la mejor oferta.

Si está comprando un seguro de vida por primera vez a una edad temprana, las primas serán más bajas y la cobertura más amplia, por lo que es mejor asegurar esas tarifas ahora en lugar de esperar hasta que sea mayor.

Conozca la jerga

Antes de comprometerse con una póliza, es importante que entienda completamente los términos y condiciones. Esto puede ser más fácil de decir que de hacer, pues la jerga de seguros puede parecer un idioma en sí mismo. Afortunadamente, comprender el panorama general resulta más sencillo cuando se entienden los términos básicos.

Asesórese con un proveedor fiable

Al comprar su primera póliza de seguro de vida, querrá elegir a alguien que usted sienta que verdaderamente lo respalda. Elija una compañía de seguros de buena reputación, con un sólido historial financiero y altas calificaciones de agencias independientes.

AAA ofrece seguros de vida pensando en nuestros miembros, y servimos a más de 1.7 millones de asegurados con la misma excelencia que usted ya espera de nosotros.

Debe

✔ Evaluar sus necesidades y metas.
Antes de comprar un seguro de vida, evalúe sus necesidades financieras y objetivos a largo plazo. Considere factores como el estilo de vida de su familia, deudas pendientes y futuros gastos como educación e hipotecas. Comprender su situación financiera le ayudará a determinar el monto de cobertura adecuado.

✔ Revisar y actualizar la póliza regularmente.
La vida es dinámica y su situación financiera puede cambiar con el tiempo. Es recomendable revisar periódicamente su póliza de seguro de vida y hacer cambios que se alineen con sus necesidades actuales. Eventos importantes de la vida como el matrimonio, el nacimiento de un hijo o un cambio significativo en su carrera pueden justificar ajustes en su cobertura.

✔ Elegir el tipo de póliza correcto.
Los seguros de vida vienen en varias formas, lo que incluye seguros de vida temporal, seguros de vida entera y seguros de vida universal. Cada tipo tiene ventajas y desventajas según sus circunstancias particulares. Evalúe sus necesidades y preferencias para elegir la póliza que mejor se ajuste a sus objetivos financieros.

✔ Compartir toda la información relevante.
La honestidad es clave al solicitar un seguro de vida. Proporcione información precisa y completa sobre su salud, estilo de vida e historial médico, ya que no revelar detalles relevantes puede generar complicaciones durante el proceso de reclamación, y podría resultar en la denegación de beneficios.

✔ Consultar con un profesional.
Hablar con un profesional de seguros le permitirá recibir asesoramiento personalizado y comprender mejor sus opciones. Ellos también pueden darle orientación experta sobre características de las pólizas y comparaciones entre estas.

✔ Mantenerse informado.
Las estafas de seguros de vida ocurren todos los días, y convertirse en víctima puede ser costoso y cambiarle la vida. Si está en proceso de comprar una póliza de seguro de vida, actualizar una póliza existente o ha sido contactado respecto a una póliza nueva o vigente, investigue para entender las estafas y evitar convertirse en víctima.

No Debe

✘ Asumir que es demasiado temprano para pensar en un seguro de vida.
Cuando se trata de un seguro de vida, la procrastinación puede ser perjudicial. “Nadie tiene una bola de cristal ni puede predecir lo que le depara el futuro para sí mismo o para las personas que le importan”, advirtió Chris Perrier, gerente de seguros de vida y anualidades de AAA Northeast. Mientras más joven y saludable sea usted al comprar una póliza, más bajas tenderán a ser sus primas. Esperar hasta más adelante en la vida puede resultar en mayores costos y en posibles problemas de salud que pueden afectar su asegurabilidad.

✘ Subestimar sus necesidades de cobertura.
Es importante estimar adecuadamente sus necesidades de cobertura para asegurar de proteger la salud financiera de sus seres queridos en caso de su fallecimiento. Subestimar el monto puede dejar a su familia vulnerable a tensiones financieras.

✘ Dejar de pagar las primas.
No pagar las primas de su seguro de vida puede generar una interrupción en la cobertura. Si esto ocurre, perdería los beneficios por los que ha estado pagando. Configure pagos automáticos o recordatorios para asegurarse de estar al día con sus primas y mantener una cobertura continua.

✘ Depender únicamente de la cobertura del empleador.
Aunque el seguro de vida patrocinado por el empleador es un beneficio valioso, puede no ser suficiente para sus necesidades. Tener solo esta cobertura puede dejarle con un seguro insuficiente, especialmente si experimenta un cambio de empleo. Considere complementar la cobertura de su empleador con una póliza individual para brindar una protección más completa.

✘ Pasar por alto las exclusiones y limitaciones de la póliza.
Las pólizas de seguro de vida tienen exclusiones y limitaciones que especifican situaciones en las que los beneficios podrían no pagarse. Es crucial comprender estos términos y condiciones para evitar sorpresas durante el proceso de reclamación.

“Muy a menudo las personas posponen la compra de la protección que necesitan, y luego ocurre una tragedia y ya es demasiado tarde. Sea proactivo, explore sus opciones y actúe si es necesario”.

Chris Perrier, Director de Operaciones de Ventas de Seguros de Vida, AAA Northeast

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Tener un seguro de vida es una parte importante de su plan financiero a largo plazo, pero existen algunas circunstancias que pueden requerir el uso de servicios complementarios, como las rentas vitalicias.

Las rentas vitalicias, que no deben confundirse con los seguros de vida, son productos financieros diseñados para proporcionar un flujo de ingresos durante un período determinado, generalmente a lo largo de la vida de una persona. Piénselas como una red de seguridad financiera a largo plazo, con un matiz especial. Usted aporta una suma total o paga de manera periódica a lo largo del tiempo —algo parecido a un plan de ahorro. A cambio, recibe un flujo constante de ingresos, de inmediato o a futuro, generalmente al jubilarse. Es como darse a sí mismo un salario incluso cuando ya no trabaja, lo cual es particularmente valioso para jubilados que no tienen acceso a planes de pensiones tradicionales o que ya han agotado otras fuentes de ingresos.

Las rentas vitalicias vienen en dos modalidades: rentas inmediatas o rentas diferidas. Las rentas vitalicias también ofrecen protección contra el riesgo de longevidad, que es el riesgo de sobrevivir a los propios ahorros. Al proporcionar un ingreso garantizado de por vida (o por un período determinado), las rentas aseguran que los jubilados no se queden sin dinero, sin importar cuánto tiempo vivan..

¿Cómo funcionan las rentas vitalicias?

Para obtener los beneficios de una renta vitalicia, usted debe aportar ya sea una suma total o pagar primas regulares a su compañía de seguros. A cambio, recibe la promesa de pagos futuros de ingresos garantizados. Estos pagos futuros se basan en varios factores, que incluyen edad, género, tasas de interés y la duración del período. Al alcanzar cierta edad o jubilarse, la compañía de seguros comienza a devolverle el dinero en cuotas regulares, similar a como funciona el seguro social.

Las rentas vitalicias también permiten una buena dosis de flexibilidad. Usted decide durante cuánto tiempo desea recibir pagos, ya sea por un número específico de años o de por vida. Durante este período, recibe pagos regulares, generalmente de manera mensual o anual.

Las rentas vitalicias también ofrecen beneficios fiscales, lo cual siempre es una ventaja cuando se trata de asuntos de dinero. Si bien los detalles varían según la jurisdicción y el tipo de renta, en muchos casos el ingreso diferido o recibido de las rentas puede diseñarse para maximizar la eficiencia fiscal.

¿Qué más debe saber sobre las rentas vitalicias?

Existen algunas posibles desventajas y limitaciones que considerar antes de comprar una renta vitalicia.

Primero, es importante recordar que la mayoría de las rentas vitalicias no son adecuadas si usted prevé necesitar su dinero de regreso en una suma total o para emergencias a corto plazo. Esto significa que las rentas deben considerarse en coordinación con un análisis completo de necesidades, teniendo en cuenta tanto los objetivos financieros a corto como a largo plazo.

Si bien ofrecen estabilidad, algunas rentas vitalicias no proporcionan pagos que acompañen la inflación con el tiempo, lo que en esencia reduce su poder adquisitivo inicial. Algunas rentas vitalicias sí ofrecen esta característica, por lo que es importante trabajar con un profesional financiero que pueda alinear sus necesidades con la solución adecuada.

Por qué nunca es demasiado temprano para empezar a pensar en un seguro de vida

Comience a planificar su futuro y aproveche las tarifas bajas mediante la compra de una cobertura de seguro de vida lo antes posible.

Cuando se trata de obtener un seguro de vida, cuanto antes, mejor. No pierda la oportunidad de construir un sólido sistema de apoyo financiero.

Por qué nunca es demasiado temprano para empezar a pensar en un seguro de vida

Comience a planificar su futuro y aproveche las tarifas bajas mediante la compra de una cobertura de seguro de vida lo antes posible.

Cuando se trata de obtener un seguro de vida, cuanto antes, mejor. No pierda la oportunidad de construir un sólido sistema de apoyo financiero.

El seguro de vida establece una base financiera

Contrario a la creencia popular, no es necesario tener mediana edad o haber formado una familia para que el seguro de vida sea una contribución valiosa. De hecho, establecer una póliza de seguro de vida desde temprano puede ser una forma inteligente de marcar el rumbo de su futuro financiero.

Para los jóvenes adultos que recién comienzan a construir sus finanzas, una póliza de este tipo puede ser la red de seguridad que marque la diferencia. Este grupo de edad normalmente aún no ha acumulado ahorros significativos ni un plan de jubilación; el seguro de vida podría asegurar que un futuro cónyuge o hijos estén protegidos bajo cualquier circunstancia.

Incluso si todavía no tiene a alguien que dependa de usted, agradecerá haber comenzado a invertir en el futuro de su familia desde temprano. Eso lo acercará mucho más a sus metas financieras más adelante en la vida.

Asequibilidad temprana

Una de las razones más claras por las que no debería esperar para iniciar un plan de seguro de vida es lo accesibles que son las tarifas para los jóvenes adultos. El costo de una póliza se ve afectado por una amplia gama de factores, pero su edad y su estado de salud general son los más importantes. Por lo tanto, comenzar una póliza cuando usted es joven y saludable significa que las tarifas probablemente sean las más bajas que podrá obtener.

Ajustable a sus necesidades

Así como las tarifas de un seguro de vida varían según su situación específica, puede quedarse tranquilo sabiendo que no existe un enfoque único para todos respecto al tipo de póliza que puede adquirir. Cuánto aporta y cuánta cobertura obtiene depende de usted. Puede personalizar su póliza según su presupuesto y su estilo de vida.

Una tranquilidad invaluable

Más allá de sentar las bases para su futuro financiero, su plan de seguro de vida establece un sistema de apoyo que proveerá para su familia mucho después de que usted ya no esté. Esa es una tranquilidad que no puede cuantificarse de manera efectiva, sin importar cuál sea su prima.

Why Life Insurance Through Work Isn’t Enough The life insurance provided through your place of work is a valuable benefit, but not having supplemental coverage could leave you and your family exposed to financial risks.

Es fácil creer que el seguro de vida grupal de su empleador es suficiente para usted y su familia. Después de todo, “lo que es bueno para uno, es bueno para todos”, ¿cierto? Bueno, no necesariamente.

Si bien los seguros de vida grupales generalmente son asequibles y convenientes, tienen limitaciones. Depender únicamente de su seguro de vida del trabajo podría significar que no haya suficiente cobertura para satisfacer las necesidades de su familia.

Cómo limita su cobertura el seguro de vida grupal

El seguro de vida del empleador solo ofrece un monto fijo de cobertura por un período específico de tiempo. El monto de la cobertura suele ser un múltiplo de su salario, pero no toma en cuenta factores como deudas pendientes, obligaciones hipotecarias o diversos gastos futuros.

Además, la cobertura de vida grupal no es traspasable. Cuando usted deja su trabajo —ya sea por decisión propia o por circunstancias fuera de su control— su cobertura de seguro de vida puede terminar, lo que lo dejaría a usted y a su familia sin protección en un momento en que la estabilidad financiera resulta más necesaria.

Otra desventaja importante del seguro de vida a través del trabajo es la falta de personalización. Estos planes están diseñados para atender a un grupo diverso de empleados y, como resultado, pueden no abordar las necesidades específicas de cada persona. Su situación financiera, estilo de vida, responsabilidades y planes futuros son únicos, y un enfoque único para todos en el seguro de vida puede no ser suficiente.

Obtenga lo mejor de ambos mundos

¿Debe obtener un seguro de vida a través del trabajo? Claro, el seguro de vida laboral es un beneficio valioso, pero no debe considerarse una solución independiente para una cobertura integral. Obtener un plan de seguro de vida individual y personalizado asegura que sus circunstancias únicas se tomen en cuenta, además de ser portátil y ofrecer la flexibilidad de adaptarse a las distintas etapas de la vida. Usted también puede elegir si desea una póliza temporal o permanente.

Las evaluaciones regulares de su cobertura y la consulta con un agente de seguros de vida pueden ayudar a garantizar que su estrategia de seguro de vida se mantenga alineada con sus necesidades en evolución, brindándole a usted y a sus seres queridos la tranquilidad que merecen.

Your Life Insurance Policy — For Them Life insurance is, ultimately, an assurance of peace of mind for those you care about most when you can no longer be there to protect them yourself.

Eventos de vida que justifican actualizar su póliza de seguro de vida

Los grandes cambios en la vida son emocionantes, pero también requieren cambios en el seguro. No olvide hacer los ajustes correspondientes en su póliza de vida.

La feliz llegada de un nuevo miembro de la familia trae alegría y responsabilidades, incluida la necesidad de actualizar el seguro. Cuando usted tiene hijos, se vuelve crucial reevaluar su póliza de seguro de vida para garantizar que todos estén cubiertos y cuidados en caso de un fallecimiento prematuro.

Este también puede ser un buen momento para considerar el seguro de vida temporal frente al seguro de vida completa y decidir cuál se adapta mejor a su familia dadas las nuevas circunstancias. Mientras que el seguro de vida temporal es ideal para cubrir grandes deudas (hipotecas, otros préstamos, etc.) durante un período determinado, el seguro de vida entera se utiliza típicamente para planificación patrimonial, gastos finales y dejar un legado.

Otros eventos de vida que requieren cambios en el seguro de vida incluyen:

Casarse.
Comprar una casa.
Cambios de empleo.
Jubilación.
Hijos que ingresan a la universidad.

Love and Life Insurance How do you talk about life insurance with your partner? Let’s have that conversation.

Casarse es uno de los hitos más importantes de la vida y, en consecuencia, requiere muchas conversaciones importantes. Aunque elegir el florista de su boda es sin duda importante, nos referimos a algo más en la línea de discutir su futuro financiero. En esencia, el seguro de vida.

Nadie quiere imaginar la posibilidad de perder a alguien que ama, pero planificar para lo inesperado es un acto de amor que puede proteger a ambos para el futuro.

La importancia del seguro de vida en el matrimonio

El seguro de vida no es solo una póliza, así como su licencia de matrimonio es más que un simple papel. Ambos son esencialmente una promesa de buena fe.

Ya sea cubrir deudas, proteger el nivel de vida de su pareja o garantizar que sus hijos o futuros dependientes estén cuidados, el seguro de vida desempeña un papel vital en brindar tranquilidad. En caso de un fallecimiento prematuro, tener un seguro de vida puede aliviar la carga financiera que de otro modo recaería en usted o en su pareja. Puede asegurarse de que no queden a cargo de manejar gastos como costos funerarios, hipotecas, préstamos estudiantiles u otras obligaciones financieras.

Discutir seguros de vida con su pareja

Antes incluso de considerar los detalles de una póliza, es importante sentarse y tener una conversación honesta sobre el seguro de vida con su pareja. Aunque probablemente resulte incómodo o emotivo, es crucial abordar la discusión desde un lugar de cuidado y responsabilidad.

Comience temprano

No espere hasta tener hijos o que su situación financiera se vuelva más compleja antes de empezar a hablar sobre el seguro de vida. Cuanto antes empiece, más opciones tendrá y más fácil será asegurar una cobertura asequible. Comenzar temprano significa fijar primas más bajas y darse tiempo para ajustar la cobertura a medida que evolucionen sus necesidades.

Sea transparente

Asegúrese de discutir sus metas financieras, deudas e ingresos. Esto les dará a ambos una imagen más clara de cuánto seguro de vida necesitarán. Ya sea que esté pagando préstamos estudiantiles, una hipoteca o considerando la planificación familiar, ser claro acerca de sus obligaciones financieras asegurará que su póliza cubra todos los gastos necesarios.

Hable sobre sus necesidades

Existen varios tipos de seguro de vida, como el seguro de vida temporal, el seguro de vida entera y el seguro de vida universal, cada uno con diferentes beneficios. Asegúrese de comprender las diferencias y discuta qué tipo de cobertura se ajusta a su estilo de vida y objetivos.

Considere las opiniones de cada uno

Siempre es importante escuchar las preocupaciones y deseos de su pareja, especialmente cuando se trata de un seguro de vida. Es una responsabilidad compartida; comprender qué es lo más importante para cada uno ayudará a elegir la cobertura adecuada y la designación de beneficiarios.

Cómo brindar un comienzo financiero seguro a su matrimonio

¿Finanzas felices, vida feliz? ¡Nosotros creemos que sí! Al prepararse usted y su pareja para el éxito desde temprano, pueden enfocarse en su futuro juntos sin estar agobiados por el estrés financiero.

Para empezar, establezcan un presupuesto claro y realista antes de tomar grandes decisiones financieras. Determinen cuánto gana cada uno, cuáles son sus gastos regulares y dónde pueden ahorrar. Esto puede ayudar a que los objetivos financieros de ambos estén alineados y evitar malentendidos futuros.

Si uno o ambos ingresan al matrimonio con deudas —tarjetas de crédito, préstamos estudiantiles, préstamos de auto, etc.— es importante abordarlas de frente. Considere comprar un seguro de vida para cubrir cualquier deuda grande que, de otro modo, recaería en su pareja en caso de su fallecimiento.

Un seguro de vida no es el tema más romántico para discutir, pero es una de las maneras más prácticas de asegurar el bienestar de su ser querido ante lo inesperado. Al fomentar conversaciones abiertas y planificar un futuro seguro juntos, pueden comenzar su “felices para siempre” sin preocupaciones.

What to Know About Getting a Life Insurance Policy for a Child Below are answers to common questions about this type of coverage and how it can help you and your loved ones.

Muchos eventos de vida pueden requerir un cambio en su póliza de seguro de vida, pero en particular, tener un hijo podría considerarse sin duda uno de los más importantes. También es el tipo de evento que trae muchas preguntas, especialmente si se trata de su primer hijo. Así que, cuando se trata de decidir si comprar o no una póliza de seguro de vida para un hijo, puede que se pregunte qué significa todo esto y si valdrá la pena a largo plazo.

¿Qué es el seguro de vida para niños?

Al igual que el seguro de vida para un adulto, el seguro de vida para niños es un acuerdo con una compañía de seguros, pero en el caso de un niño de 17 años o menor, un padre, abuelo o tutor actúa como el titular de la póliza.

Las pólizas de seguro de vida para niños se estructuran con la expectativa de que el crecimiento que ocurre genere una cantidad considerable de valor utilizable para brindar beneficios sustanciales en vida.

¿Cuáles son los beneficios de una póliza de seguro de vida para un hijo?

Una de las mayores ventajas del seguro de vida para niños es la tranquilidad de saber que su hijo está preparado financieramente para los grandes momentos de la vida. Las pólizas de seguro de vida para niños brindan cobertura continua a medida que crecen para cosas como formar una familia o casarse, donde la cobertura puede aportar aún más valor a sus propias familias.

Tener una póliza también garantiza que su hijo tenga cobertura en caso de que desarrolle una condición de salud más adelante en la vida. Además, se asegura una tarifa baja.

Un gran beneficio de estas pólizas es que cuando los niños son jóvenes y saludables, el costo del seguro es lo más bajo posible. No hay mejor momento para asegurar una póliza que garantice que siempre tendrán cobertura en caso de que se vuelvan no asegurables.

Las pólizas de seguro de vida para niños pueden adquirirse por separado de la póliza de un padre o tutor, o bien añadirse como un anexo temporal. Las pólizas típicas de seguro de vida para niños se categorizan como de vida entera o de vida universal indexada.

¿Qué es un seguro de vida universal indexado?

Una póliza de vida universal indexada ofrece protección permanente de por vida y la posibilidad de crecer con un índice bursátil para aumentar el interés acreditado al valor en efectivo de la póliza. Lo interesante de esta póliza es que no se invierte nada en el índice directamente. En el caso de que el mercado tenga un año negativo, no habría pérdida de ningún valor en efectivo.

Este tipo de póliza también cuenta con lo que se denomina un reinicio anual, por lo que cualquier ganancia obtenida queda asegurada cada año en que ocurre. De esta manera, nunca existe riesgo de pérdida, pero siempre hay un gran potencial de crecimiento. Una inversión mensual de tan solo 50 dólares puede resultar en un enorme potencial de crecimiento del valor en efectivo mientras el niño crece. Ese valor en efectivo podría usarse fácilmente para la universidad, el pago inicial de una casa, abrir un negocio o cualquiera de los grandes eventos de la vida.

¿Puede comprar una póliza para sus nietos?

Los abuelos son bienvenidos a comprar una póliza para sus nietos. Muchas personas establecen pólizas para niños como regalo para sus nietos al momento de nacer. Mientras que la mayoría de los niños dejan atrás regalos tangibles como juguetes o ropa, una póliza de seguro de vida para niños puede diseñarse para crear un legado duradero para las generaciones futuras.

Solicite una cotización de seguro de vida o conéctese con un asesor de seguros de vida de AAA para obtener más información.

The Weekend in Westchester

Close enough to feel the energy of New York City, yet far enough away to appreciate the quiet, Westchester delivers a New York experience with an appeal that’s all its own. With historic sites, idyllic main streets, outdoor adventures and more, it’s an ideal spot for a weekend getaway or even just a day trip.

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Close enough to feel the energy of New York City, yet far enough away to appreciate the quiet, Westchester delivers a New York experience with an appeal that’s all its own. With historic sites, idyllic main streets, outdoor adventures and more, it’s an ideal spot for a weekend getaway or even just a day trip.

Need a ride? Rent a car.

Mansions and Museums

Armour-Stiner Octagon House

Irvington

The beautiful Armour-Stiner Octagon House, built in the 19th century, was part of an architectural fad based on the writings of phrenologist Orson Squire Fowler. The footprint of the house is shaped like an octagon, which was thought to provide more living space and natural light. The Armour-Stiner House is the most ornate of the few surviving octagon houses today. Looking to add some spooky thrills to your tour? The house is said to be haunted, of course, and ghost tours are available.

Caramoor Center for Music and the Arts

Katonah

With its picturesque estate and gardens as a backdrop, the Caramoor Center for Music and the Arts is home to many enjoyable programs. Caramoor was built in the 1920s for Walter and Lucie Rosen, who fostered the estate into a hub for live music. Their legacy as music-lovers and patrons of the arts lives on today. Caramoor’s events include music festivals, cabarets, acapella groups and solo artists.

Hudson River Museum

Yonkers

Opened in 1919, the Hudson River Museum has been a central fixture for American art, history and interstellar science for more than 100 years. Visitors of all ages can discover a range of individual works of art and rotating exhibitions, as well as tour Glenview, the Gilded Age home that served as one of the museum’s earliest locations.

Fans of the cosmos will be delighted to take a seat within the state-of-the-art planetarium, where three shows on Saturdays and Sundays throughout the year transport kids and adults to space (virtually, of course).

*Image courtesy of Westchester County Tourism*

*Image courtesy of Westchester County Tourism*

Kykuit

Sleepy Hollow

Take a stroll through history at Kykuit, the Rockefeller estate recognized for its stunning architecture, gardens and art galleries. This sprawling mansion was home to four generations of the Rockefeller family, including John D. Rockefeller himself. Today, it’s a historic site that hosts tours through its opulent, meticulously maintained property. It’s a must-see for those visiting the Hudson Valley.

Lyndhurst Mansion

Tarrytown

Lyndhurst is a 19th-century Gothic Revival mansion overlooking the Hudson River, complete with a restored and operational bowling alley, touted as the oldest regulation lanes in the Western Hemisphere. Visitors can explore the quirky castle and the rolling landscape that surrounds it. No matter the time of year, there’s always something going on at the Lyndhurst Mansion. Check out the calendar for upcoming theater shows, concerts, Halloween celebrations, Christmas events and more. The mansion even gets decorated for the seasons, with special attention to Halloween and Christmas.

*Image courtesy of Historic Hudson Valley*

*Image courtesy of Historic Hudson Valley*

Washington Irving’s Sunnyside

Tarrytown

Washington Irving, who wrote “The Legend of Sleepy Hollow” and “Rip Van Winkle,” often took inspiration from his Westchester home. At his Sunnyside estate, you’ll feel transported back in time as guides in 19th-century costumes walk you through the restored rooms of Irving’s romantic, red-roofed cottage overlooking the Hudson River. If you’re dreaming of a Sleepy Hollow Halloween, Sunnyside hosts a dramatic retelling of “Irving’s Legend” every October. You may even catch a glimpse of the Headless Horseman, so make sure to reserve tickets in advance.

Main Streets and Small-Town Charm

Hastings-On-Hudson

Hastings-On-Hudson has been a magnet for artists ever since Hudson River School artist Jasper Cropsey moved there in 1885. His former residence and studio, Ever Rest, can be found on Washington Avenue. While you’re in town, stop by the small businesses, including a handful of shops focused on thrifting, antiquing and eco-friendly shopping. Take in the views on the Aqueduct Trail, shop at the farmers market, then end your day with dinner at one of the town’s many local restaurants.

Katonah

This hamlet of Bedford Village was designed by the Olmsted Brothers, the landscape architecture firm formed by the sons of Frederick Law Olmsted, famous for his design of New York City’s Central Park. Its walkable downtown area makes it look like a village from a storybook, and it has a thriving arts scene to boot. Check out the local Caramoor Center for Music and the Arts for live music or the Katonah Museum of Art for rotating fine art exhibits. The small businesses of Katonah really make it special, so be sure to take a look around all the unique, independent storefronts. From art walks to sidewalk sales, there’s always something to do in this cozy small town.

Mamaroneck

The vibrant town of Mamaroneck, overlooking the Long Island Sound, is the perfect destination for shopping and relaxation. Take in the waterfront views at Harbor Island Park, catch a show at the Emelin Theatre, and don’t forget to grab a bite at Walter’s. Walter’s Hot Dogs has been a Westchester favorite since 1919, and it’s not about to go out of style anytime soon.

While you’re in the area, make a stop in Larchmont. This small village is right next door and features Victorian-era architecture, nature trails and quirky shops.

Sleepy Hollow

Once known as North Tarrytown, Sleepy Hollow officially adopted its famous moniker in 1996. Here you’ll find the Old Dutch Church and churchyard, described as the Headless Horseman’s headquarters in Washington Irving’s “Legend of Sleepy Hollow.” You can also visit Sleepy Hollow Cemetery, where Irving is buried.

Tarrytown

Tarrytown features a vibrant and walkable downtown, filled with scenic charm and character. You’ll find local coffee shops, antique stores, restaurants and more. Don’t miss the award-winning TaSH Farmers Market in Patriots Park. As evening sets in, you can catch a show at Tarrytown Music Hall and take a sunset stroll along the water at Scenic Hudson RiverWalk Park.

White Plains

If you want to shop till you drop, White Plains is the place to be. The Westchester Mall and the City Center shopping complex cater to locals and visitors from around the New York metropolitan area. The downtown area is also full of places to catch a bite or enjoy a sit-down dinner. Plus, you can find a Walter’s hot dog shop here, too!

Attractions & Amusements

Legoland Discovery Center Westchester
Yonkers

*Image courtesy of Legoland Discovery Center*

*Image courtesy of Legoland Discovery Center*

Who doesn’t love Lego? Legoland Discover Center features a factory tour, rides, play areas and more. Don’t miss Miniland, where you can see miniature New York landmarks rendered in Lego bricks. It took almost two dozen builders to construct the iconic scenes, including a hybrid Yankees and Mets stadium.
AAA members can save on tickets.

Playland Park
Rye

*Image courtesy of of Playland Park*

*Image courtesy of of Playland Park*

Offering a mix of modern thrills and historic charm, Playland Park in Rye is a great destination for kids of all ages. Visitors can enjoy thrill rides like Dragonator, explore Kiddyland and enjoy scenic views of the Long Island Sound. The park is free to enter, with ride passes available for purchase.

Westchester Children’s Museum
Rye

*Image courtesy of Westchester Children’s Museum*

*Image courtesy of Westchester Children’s Museum*

Just steps from the beach, this museum provides opportunities for younger children to play and learn. Highlights include the colorful, 48-foot-long Pool Noodle Pixel Wall for creative experimentation and a physics lab for kinetic fun.

The Great Outdoors

*Teapots created by Frank Kara. Image courtesy of Hammond Museum and Stroll Garden*

*Teapots created by Frank Kara. Image courtesy of Hammond Museum and Stroll Garden*

Hammond Museum and Japanese Stroll Garden

North Salem

You’ll find a relaxing getaway at the Hammond Museum and Japanese Stroll Garden. In addition to the museum’s art exhibits, gift shop and cafe, there’s a
3½-acre Japanese garden. Twisting paths take you on stepping stones, over hills, around ponds and across manicured landscapes. Take a moment to relax and enjoy the sights and sounds of the garden, from the lush foliage to the crunch of pebbles beneath your feet.

Rockefeller State Park Preserve

Pleasantville

The Rockefeller State Park Preserve is the site of the former Pocantico Hills and Rockwood Hall country estates, which were owned by the Rockefellers. In 1983, the family donated over 1,425 acres to the State of New York, and the preserve is now open to the public. Go walking, biking or jogging among the lush hardwood forest on 45 miles of crushed stone carriage roads, laid out in the first half of the 20th century. The preserve is also home to a wide range of birds, with over 180 species sighted on property.

Saxon Woods Park

White Plains

Saxon Woods Park is a 700-acre property with a wide variety of outdoor activities. Open year-round, the park is home to the county’s largest swimming pool and a children’s aquatic playground that’s perfect for hot summer days. There’s an 18-hole golf course for the grown-ups and an 18-hole mini golf course for when it’s time to have a little fun with the kids. You can also wander through miles of hiking trails that connect to both the Leatherstocking Trail and Colonial Greenway.

Untermyer Gardens

Yonkers

Take a leisurely stroll through Untermyer Gardens and enjoy Grecian landscapes designed in the beaux arts style. The property was originally owned by Samuel Untermyer, who bought it in 1899 and turned it into one of the most famous gardens in the country. Seasonal flowers bloom throughout the restored areas of the property.

Westchester Farm Trail

Westchester County has long been associated with farming and agriculture, with some of the farms in the area dating back hundreds of years. You can visit many of them on the Westchester Farm Trail, a 17-mile string of orchards and farms with activities for the whole family. There are plenty of opportunities to learn about Westchester County’s agricultural heritage. Experience hands-on farming workshops at Hilltop Hanover Farm and Environmental Center, field tours at Stone Barns Center for Food and Agriculture, a farm museum at Muscoot Farm and more.

Wolf Conservation Center

South Salem

The Wolf Conservation Center is dedicated to helping ensure the survival of wolves, most of which are considered endangered species. There are two ambassador wolves that can be viewed by the public, as well as about 21 Mexican gray wolves and 10 red wolves that reside off the exhibit. Education programs at the center allow visitors to learn about the mythology, biology and ecology of wolves. More adventurous visitors can spend a night sleeping with wolves — a program that attracts visitors from around the world.

Where to Stay

Book and save at these AAA-recommended hotels in Westchester.

Westchester Marriott

The Sleepy Hollow Hotel

Sonesta White Plains Downtown

Hampton Inn & Suites Yonkers – Westchester

Residence Inn by Marriott White Plains Westchester County

Sheraton Tarrytown Hotel

Tarrytown House Estate

Courtyard by Marriott Yonkers Westchester County

Resources and Discounts

Insurance 101: Life

At first glance, the basics of life insurance may not seem so basic. But AAA is here to help.

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Perhaps the first question that comes to mind for most people about life insurance is, “What is life insurance, exactly?” followed shortly after by, “Do I really need it?”

There’s no one-size-fits-all answer to either of those questions, but a good place to start when answering them for yourself is right here in this comprehensive guide. Starting from the basics, you’ll get to know life insurance from its foundation — learning its terms and jargon plus what to know if it’s your first time purchasing a policy, all the way up to which life events could incur changes to your policy.

There’s a lot to know, but it’s not as intimidating as it seems.

If you still have more questions, AAA insurance agents are available to help.

Annuity: An annuity is a contract that provides you with regular income for life (or a set time period) and is paid out by your insurance policy.

Beneficiary: A beneficiary is the person (or people) you designate to receive compensation if something happens to you.

Cash Surrender Value: Cash surrender value is the amount of money you would get if you canceled your policy before it pays
out — typically minus fees and loans.

Direct Response: Direct response is a type of insurance with no middleman. It’s sold straight to you via mail, online or in person.

Dividend: A dividend is a little bonus you may get back if your life insurance company overcharged for your policy.

Face Amount: Think of face amount like face value: It’s the payment amount on your policy that doesn’t include any extras.

Insurable Interest: Insurable interest is the reason for insuring someone, like personal relationships, family or financial ties.

Insurer vs. Insured: The insurer is the company that provides the policy, and the insured is you (or the person covered).

Lapse: When a policy becomes inactive because premium payments haven’t been made.

Life Insurance: A policy that acts as a financial safety net for your loved ones if anything happens to you. It’s like saying, “I got your back — even if I’m not around.”

Non-forfeiture: Non-forfeiture means that if you stop paying your premiums you won’t lose everything; you can instead choose options like taking cash or reduced coverage.

Participating and Non-participating Policies: A participating policy type may offer a piece of an insurance company’s profits as a dividend. A non-participating policy does not.

Policy Proceeds: Policy proceeds are the funds your policy pays out when it matures, or when someone claims it (i.e. your beneficiary).

Premium: The regular payment that’s made to keep your policy active. It’s sort of like a gym membership, but instead of working out, it’s ensuring your loved ones are financially healthy.

Rating: A rating is an extra charge added to your premium if you are considered a higher-than-average risk.

Rider: Just like how celebrities can add expensive coconut water to their dressing room riders, a life insurance rider is a little add-on to customize your policy (like extra coverage or specific inclusions).

Standard Risk: The classification of a person applying for life insurance coverage; falls under the average standards on which premium rates are based.

Supplementary Contract: A separate agreement for how the policy payout will be managed (instalments vs. lump sum, etc.).

Underwriting: The process of underwriting is like choosing your fantasy team. Both use “stats” (in this case, medical history and lifestyle habits) to evaluate risk and determine the best outcome (cost and type of coverage).

We know that thinking about life insurance and how to keep your family protected when you are gone can feel like a heavy decision, but it’s an important one. Life insurance can help your loved ones take care of outstanding debt or continue to pay everyday expenses. It can also be used to pay off a mortgage, cover final expenses and pay for costs toward child care formerly provided by a stay-at-home parent. And since policy rates increase as you get older, the sooner you can get one in place the better.

Let’s delve deeper into the difference between term vs. whole life insurance and which one best fits your needs.

Term Life Insurance

As the name implies, this type of plan is temporary, offering a fixed premium that provides coverage for a predetermined period of time. Typically, the longest a term plan will extend is 30 years from the issued date, and if the insured dies before the policy expires, the designated beneficiaries will receive the death benefit. Because it offers a more limited scope of protection, term life insurance policies are often more affordable than whole plans.

Whole Life Insurance

Whole plans tend to cost more than term plans. And unlike term plans, a whole life insurance policy is a lifelong commitment. Coverage remains active for the policyholder from purchase until death, and accordingly, the benefits are available at anytime. In addition, whole plans have an intrinsic cash value, and policyholders can often borrow money against them.

What to Consider

Deciding between a term vs. whole life insurance policy depends on your situation.

A term life policy may be the best option in cases where the loss of a loved one could have a profound financial impact on family members. It basically serves as an income replacement designed to protect your dependents and help them maintain their lifestyle if you die during the policy period.

Whole life insurance is preferable for planning your inheritance and your estate’s future. When the time comes, this type of plan will be far better suited to cover estate taxes.

Decisions, Decisions

Whether you go with a term or a whole policy, all plans take into account your age, health and financial standing (i.e., debts, expenses and assets). You should also anticipate any expenses that may arise for your beneficiaries in the coming years, such as education and housing. These are all major factors in making any policy decisions. In the end, the most accurate way to determine which plan fits your budget and expected needs is to compare the long-term costs of all your options.

Why You Need It

Everyone’s financial and familial situation is unique, so the reason why someone needs life insurance is likely different from why you need it. This is why it’s important to take stock of your own circumstances to make the best policy decision for you.

Life insurance is useful for folks of all ages and family types. Even if you are young and healthy, an unexpected accident or illness could occur, and life insurance can keep things stable for those who depend on you. For older adults or those with families, life insurance helps make sure your loved ones aren’t left with a financial burden after you’re gone.

In short, life insurance equals peace of mind.

Goldilocks Your Coverage

Find the coverage that fits your lifestyle — not too much, not too little.

When comparing quotes, pay close attention to the details of each policy, as even the cheapest option may end up costing you later. If the policy doesn’t provide the right amount of coverage for the right amount of time, you may end up paying more down the line.

Shop For the Best Price

One of the most crucial parts of buying life insurance for the first time is shopping for coverage. Look for a policy that suits your needs and your budget.

Premiums, or the amount you pay to keep your policy active, can vary significantly from one insurance provider to another, even for the same coverage. This is why it’s always in your best interest to get quotes from multiple insurers to compare rates and find the best deal.

If you are purchasing life insurance for the first time at a young age, premiums will be cheaper for a higher amount of coverage, so it’s best to lock in those rates now rather than wait until you are older.

Get To Know the Lingo

Before committing to a policy, it’s important that you fully understand the terms and conditions. This might be easier said than done, as insurance jargon can sound like its own other language. Luckily, it’s a lot easier to get the gist once you know the basic terms.

Work With a Reliable Provider

When you purchase your first life insurance policy, you want to go with someone who’s got your back. Choose a reputable insurance company with a strong financial track record and high ratings from independent agencies.

AAA offers life insurance with our members in mind, serving over 1.7 million policyholders with the same excellence you’ve come to expect.

Do

✔ Assess your needs and goals.
Before purchasing life insurance, evaluate your financial needs and long-term goals. Consider factors such as your family’s lifestyle, outstanding debts and future expenses like education and mortgages. Understanding your financial situation will help you determine the appropriate coverage amount.

✔ Regularly review and update your policy.
Life is dynamic, and your financial situation may change over time. It’s a good practice to regularly review your life insurance policy and make changes accordingly that align with your current needs. Major life events such as marriage, the birth of a child or a significant career change may warrant adjustments to your coverage.

✔ Choose the right type of policy.
Life insurance comes in various forms, including term life, whole life and universal life. Each type has its advantages and disadvantages depending on your individual circumstances. Assess your needs and preferences to choose the policy that best fits your financial objectives.

✔ Disclose all relevant information.
Honesty is key when applying for life insurance. Provide accurate and complete information about your health, lifestyle and medical history, as failing to disclose relevant details can lead to complications during the claims process — potentially resulting in the denial of benefits.

✔ Consult with a professional.
Speaking to an insurance professional will allow you to receive personalized advice and get a better understanding of your options. They can also give expert guidance on policy features and comparisons.

✔ Stay vigilant.
Life insurance scams happen every day, and becoming a victim can be costly and life-changing. If you are in the process of taking out a life insurance policy, updating an existing policy or have been contacted about an existing or new policy, do your research to understand these scams and avoid becoming a victim.

Don’t

✘ Assume it’s too early to think about life insurance.
Procrastination can be detrimental when it comes to life insurance. “No one has a crystal ball and can predict what lies ahead for themselves or people they care about,” advised Chris Perrier, life and annuity insurance manager with AAA Northeast. The younger and healthier you are when you purchase a policy, the lower your premiums are likely to be. Waiting until later in life can result in higher costs and potential health issues that may affect your insurability.

✘ Underestimate your coverage needs.
It’s important to adequately estimate your coverage needs to ensure your loved ones are financially secure in the event of your death. Underestimating the amount can leave your family vulnerable to financial strain.

✘ Lapse payments.
Failing to pay your life insurance premiums can lead to a lapse in coverage. If this happens, you may lose the benefits you’ve been paying for. Set up automatic payments or reminders to make sure you stay current on your premiums and maintain continuous coverage.

✘ Rely solely on employer coverage.
While employer-sponsored life insurance is a valuable benefit, it may not be sufficient for your needs. Only having this coverage can leave you underinsured, especially if you experience a change in employment. Consider supplementing employer coverage with an individual policy to provide comprehensive protection.

✘ Overlook policy exclusions and limitations.
Life insurance policies have exclusions and limitations that specify situations where benefits may not be paid. It’s crucial to understand these terms and conditions to avoid surprises during the claims process.

“All too often people put off buying the protection they need, and then a tragedy occurs and it’s too late. Be proactive, explore your options and take action if it’s necessary to do so.”

Chris Perrier, AAA Northeast Director of Life Insurance Sales Operations

Having life insurance is an important part of your long-term financial plan, but there are some circumstances that may necessitate the use of supplemental services — like income annuities.

Not to be confused with life insurance, income annuities are financial products designed to provide a stream of income for a specified period, typically for the duration of a person’s life. Think of them as a long-term financial safety net with a twist. You can either contribute a lump sum or pay into it over time — kind of like a savings plan. In return, you get a steady stream of income immediately or in the future, usually when you retire. It’s sort of like giving yourself a paycheck even when you’re not working anymore, which is particularly valuable for retirees who do not have access to traditional pension plans or who have exhausted other sources of income.

Income annuities come in two varieties — immediate or deferred income. Income annuities offer protection against longevity risk, as well, which is the risk of outliving one’s savings. By providing a guaranteed income for life (or a specified term), annuities ensure that retirees will not run out of money, regardless of how long they live.

How Do Income Annuities Work?

To get the benefits of an income annuity, you must either contribute a lump sum or pay regular premiums to your insurance company. In exchange, you receive the promise of future guaranteed income payments. These future payments are based on various factors, including age, gender, interest rates and the length of the term. When you reach a certain age or retire, the insurance company begins paying you back in regular installments, similar to how social security operates.

There’s a good amount of flexibility when it comes to income annuities, too. It’s up to you how long you’d like to receive payments for — whether it’s for a specific number of years or for life. During this time, you receive regular payments, typically on a monthly or annual basis.

Income annuities bring some tax benefits, too, which is always a bonus when it comes to money matters. While the specifics vary depending on the jurisdiction and the type of annuity, in many cases the income deferred or received from annuities can be designed to maximize tax efficiency.

What Else Is There to Know About Income Annuities?

There are some potential drawbacks and limitations to consider before opening an income annuity.

First, it’s important to remember that most income annuities are not suitable if you anticipate needing your money back in a lump sum or for emergencies in the short term. This means that annuities should be considered in coordination with a full needs analysis — while being mindful of short-term and long-term financial goals.

While they offer stability, some income annuities do not provide payments that keep up with inflation over time, essentially decreasing their initial purchasing power. Some income annuities do provide this feature, so it is important to work with a financial professional that can match your needs with the right solution.

Why It’s Never Too Early to Start Thinking About Life Insurance

Start planning for the future and take advantage of low rates by getting life insurance coverage as soon as possible.

When it comes to purchasing life insurance, the sooner the better. Don’t miss out on the opportunity to build a formidable financial support system.

Why It’s Never Too Early to Start Thinking About Life Insurance

Start planning for the future and take advantage of low rates by getting life insurance coverage as soon as possible.

When it comes to purchasing life insurance, the sooner the better. Don’t miss out on the opportunity to build a formidable financial support system.

Life Insurance Sets Up a Financial Foundation

Contrary to popular belief, you don’t have to be middle-aged or even have started a family for life insurance to be a worthwhile contribution. In fact, establishing a life insurance policy early on could be a smart way to set the tone for your financial future.

For young adults just starting to build their finances, such a policy could be the safety net that makes all the difference. This age group typically has yet to amass significant savings or a retirement plan; life insurance could ensure that a future spouse or children are provided for under any circumstances.

Even if you don’t have anyone depending on you just yet, you’ll be thankful to have gotten a jump-start on investing in your family’s future early on. It’ll put you that much closer to your financial goals later in life.

Early Affordability

One of the clearest reasons why you shouldn’t wait to start a life insurance plan is because of how affordable rates are for young adults. A policy’s cost is affected by a wide range of factors, but your age and general well-being are chief among them. So, beginning a policy when you’re young and healthy means rates are likely as low as they’ll ever be.

Adjustable to Your Needs

Just as the rates for life insurance vary based on your specific situation, you may be relieved to know that there is no one-size-fits-all approach to the kind of policy you can acquire. How much you contribute and how much coverage you attain are up to you. You can customize your policy to your budget and your lifestyle.

Priceless Peace of Mind

More than laying the groundwork for your financial future, your life insurance plan puts in place a support system that will provide for your family long after you’re gone. That’s a peace of mind that cannot be effectively quantified, no matter what your premium is.

It’s easy to believe that the group life insurance offered through your employer is sufficient coverage for you and your family. After all, what’s good for the goose is good for the gander, right? Well, not necessarily.

While group life insurance is generally affordable and convenient, it has its shortcomings. Relying solely on your life insurance through work could mean there isn’t enough to support your family’s needs.

How Group Life Insurance Limits Your Coverage

Employee-provided life insurance only offers a fixed amount of coverage for a specified period of time. The coverage amount is often a multiple of your salary, but doesn’t consider factors such as outstanding debts, mortgage obligations or a variety of future expenses.

Plus, group life coverage isn’t portable. When you leave your job — whether by choice or circumstances beyond your control — your life insurance coverage may end, leaving you and your family without protection during a period when financial stability is needed most.

Another significant drawback of life insurance through work is the lack of customization. These plans are designed to cater to a diverse group of employees, and as a result may not address everyone’s specific needs. Your financial situation, lifestyle, responsibilities and future plans are unique, and a one-size-fits-all approach to life insurance may not be sufficient.

Get the Best of Both Worlds

Should you get life insurance through work? Sure, work life insurance is a valuable benefit, but it shouldn’t be considered a stand-alone solution for comprehensive coverage. Getting a personalized, individual life insurance plan ensures that your unique circumstances are accounted for in addition to being portable and offering the flexibility to adapt to life’s changing stages. You also get to choose whether you’d like a term or permanent policy.

Regular assessments of your coverage and consulting with a life insurance agent can help ensure that your life insurance strategy remains aligned with your evolving needs, providing you and your loved ones with the peace of mind they deserve.

Life Events That Warrant Updates to Your Life Insurance Policy

Big life changes are exciting, but they also require changes to insurance. Don’t forget to make these corresponding adjustments to your life policy.

The happy arrival of a new family member brings joy and responsibilities, including the need for insurance updates. When you have children, it becomes crucial to reassess your life insurance policy to ensure everyone is covered and cared for in the event of an untimely passing.

This may also be an opportune time to discuss term life insurance versus whole and decide which suits your family best considering the new circumstances. While term life insurance is ideal for covering large debts (mortgages, other loans, etc.) for a set period of time, whole life insurance is typically used for estate planning, final expenses and leaving a legacy.

Other life events that require changes to life insurance include:

Getting married.
Purchasing a home.
Job changes.
Retirement.
Teen(s) entering college.

Getting married is one of life’s biggest milestones and, consequently, is something that necessitates a lot of important conversations. While choosing your wedding florist is undoubtedly important, we mean something more to the tune of discussing your financial future. In essence, life insurance.

No one wants to imagine the possibility of losing someone they love, but planning for the unexpected is an act of love that can protect both of you for the future.

The Importance of Life Insurance in Marriage

Life insurance isn’t just a policy, much like how your marriage license is more than just a piece of paper. Both are essentially a promise in good faith.

Whether it’s covering debts, protecting your partner’s standard of living or ensuring that your children or future dependents are taken care of, life insurance plays a vital role in providing peace of mind. In the event of an untimely passing, having life insurance can ease the financial burden that might otherwise fall on you or your partner. It can make sure they’re not left to manage things like funeral costs, mortgages, student loans or other financial obligations.

Discussing Life Insurance With Your Partner

Before you even consider the specifics of a policy, it’s important to sit down and have an honest conversation about life insurance with your partner. Although it will likely feel uncomfortable or emotional, it’s crucial to approach the discussion from a place of care and responsibility.

Start Early

Don’t wait until you have children or your financial situation becomes more complex before you start talking about life insurance. The earlier you start, the more options you’ll have and the easier it’ll be to secure affordable coverage. Starting early means locking in lower premiums and giving yourselves time to adjust coverage as your needs evolve.

Be Transparent

Make sure you discuss your financial goals, debts and income. This will give both of you a clearer picture of how much life insurance you’ll need. Whether you’re paying back student loans, a mortgage or are considering family planning, being clear about your financial obligations will ensure your policy covers all the necessary expenses.

Talk About Your Needs

There are various types of life insurance, such as term life, whole life and universal life, each with different benefits. Make sure you understand the differences and discuss which type of coverage fits your lifestyle and goals.

Consider Each Other’s Opinions

It’s always important to listen to your partner’s concerns and desires — especially when it comes to life insurance. It’s a shared responsibility; understanding what matters most to each other will help in choosing the right coverage and beneficiary designations.

How to Provide a Financially Secure Start to Your Marriage

Happy finances, happy life? We say so! By setting yourself and your partner up for success early on, you can focus on your future together without being burdened by financial stress.

To start, establish a clear and realistic budget before making any big financial decisions. Determine how much you each earn, what your regular expenses are and where you can save. This can help you both feel aligned with financial goals and prevent future misunderstandings.

If either or both partners come into the marriage with debt — credit card, student loans, car loans, etc. — it’s important to address it head-on. Consider taking out life insurance to cover any large debts that would otherwise fall to your partner in the event of your passing.

Life insurance isn’t the most romantic topic to discuss, but it is one of the most practical ways to ensure your loved one’s well-being in the event of the unexpected. By encouraging open conversations and planning for a secure future together, you can start your happily ever after worry-free.

Lots of life events can necessitate a change to your life insurance policy, but in particular, having a child could certainly be considered one of the biggest. It’s also the sort of life event that comes with lots of questions, especially if it’s your first child. So, when it comes to deciding whether or not to purchase a child a life insurance policy, you may be wondering what it all means and whether it will be worth it in the long run.

What is life insurance for children?

Just like life insurance for an adult, life insurance for children is an agreement with an insurance company — but in the case of a child aged 17 or younger, a parent, grandparent or guardian serves as the policyholder.

Child life insurance policies are put together in hopes that the growth that occurs will result in a considerable amount of usable equity to aid in providing substantial living benefits.

What are the benefits of a child life insurance policy?

One of the biggest advantages of child life insurance is the feeling of security in knowing that your child is financially prepared for life’s big moments. Children’s life insurance policies provide continuing coverage as they grow older for things like starting a family or getting married — where the coverage can then provide that much more value to families of their own.

Having a policy also guarantees your child will have coverage in the event they end up developing a health condition later on in life. In addition, you’re locking in a low rate.

A huge benefit of these policies is that when children are young and healthy, the cost of insurance is as low as it will ever be. There is no better time to secure a policy to ensure they will always have coverage in place in the event they become uninsurable.

Child life insurance policies can either be purchased separately from a parent or guardian’s policy, or they can be added as a term rider. Typical life insurance policies for children are categorized as either whole life or indexed universal life.

What is indexed universal life insurance?

An indexed universal life policy, offers permanent lifetime protection and the ability to grow in a stock market to increase the interest that’s credited to the cash value in the policy. The beauty of this policy is that no dollars are actually invested in the index. In the event that the market has a down year, there would be no loss of any cash value.

This kind of policy also has what is referred to as an annual reset, so any gains obtained are locked in every year they occur. This way, there’s never a risk of loss but always a healthy potential for growth. A monthly investment of as little as $50 can result in a huge potential for cash value growth while the child grows up. That cash value could be easily used for college, a down payment on a home, opening a business or any number of life’s big events.

Can you purchase a policy for your grandchildren?

Grandparents are welcome to purchase a policy for their grandchildren. Many folks establish child policies for their grandchildren as a gift when the child is born. While most children outgrow tangible gifts such as toys or clothing, a children’s life insurance policy can be designed to create a lasting legacy for generations to come.

Request a life insurance quote or connect with a AAA life insurance advisor to learn more.

Seguro 101: Auto y Hogar

A primera vista, los conceptos básicos de los seguros pueden no parecer tan básicos. Pero AAA está aquí para ayudarte.

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A primera vista, los fundamentos de los seguros pueden parecer complicados, pero AAA está aquí para ayudar.

Independientemente del tipo de seguro que esté buscando (automóvil, hogar o incluso cobertura especializada para mascotas o joyas), hay mucho que debe saber.

Aunque puede resultar intimidante iniciar el proceso, tener un seguro es importante, y a menudo necesaria, de obtener tranquilidad para sus seres queridos y para usted. Le prometemos que no es tan confuso como parece. Empecemos por el principio.

Si aún tiene más preguntas, los agentes de seguros de AAA están a su disposición para brindarle ayuda.

Glosario de seguros

No hace falta ser abogado para entender su póliza de seguro. Esta guía para descifrar la jerga de los seguros le brindará ayuda para empezar.

Palabras y frases generales sobre seguros	Términos del seguro de automóvil	Términos del seguro de hogar
Condiciones	Cobertura de colisión	Inundación
Deducible	Cobertura contra todo riesgo	Peligro
Aprobación	Conductor ocasional	Seguro para inquilinos
Exclusiones	Protección contra lesiones personales (PIP)
Cobertura de responsabilidad civil	Pérdida total
Límite
Riesgos nombrados
Prima
Presupuesto
Riesgo Normal
Plazo
Póliza de responsabilidad extendida

Palabras y frases generales

Condiciones: normas, obligaciones o requisitos que tanto el asegurador como el asegurado deben cumplir para que la cobertura del seguro siga siendo válida. Por ejemplo, el pago puntual de las primas y el aporte de información precisa en el momento de la solicitud.

Deducible: porción de la pérdida que usted paga antes de que su póliza entre en vigor.

Aprobación: documento adicional de la póliza de seguro que amplía o modifica las condiciones. También llamado suplemento.

Exclusiones: condiciones, situaciones o riesgos específicos que no cubre una compañía de seguros.

Cobertura de responsabilidad civil: parte de su póliza que cubrirá los gastos si se considera que usted es responsable de los daños de otra persona. Dos componentes de la cobertura de responsabilidad civil son la responsabilidad por daños físicos y la responsabilidad por daños materiales. Si un accidente causa lesiones físicas o daños al vehículo o los bienes materiales de otra persona, este seguro ayudará a cubrir los gastos médicos, la pérdida de ingresos y la reparación o reemplazo de los bienes materiales.

Límite cada póliza de automóvil establece un límite para la cantidad máxima que su compañía de seguros pagará por un reclamo específico. Las pólizas con límites más altos tendrán un precio más elevado, pero ofrecerán más protección en caso de que tenga un accidente costoso.

Riesgos nombrados: peligros específicamente mencionados en una póliza.

Prima: cantidad de dinero que un asegurado paga a una compañía de seguros a cambio de cobertura.
Presupuesto estimado de lo que sería su prima con un determinado proveedor de seguros. .

Estimado: Presupuesto estimado de lo que sería su prima con un determinado proveedor de seguros..

Riesgo normal: alguien que es asegurado con las tarifas de seguro estándar. Los asegurados de riesgo alto o riesgo bajo pueden pagar tarifas más altas o más bajas en función de dicho riesgo..

Plazo: período de vigencia de una póliza de seguro..

Póliza de responsabilidad extendida: seguro de extensión de responsabilidad civil que puede cubrir reclamos no cubiertos por otras pólizas de seguro.

Términos del seguro de automóvil

Cobertura de colisión: la cobertura de colisión entra en vigencia cuando su carro sufre daños o una pérdida total por el contacto con otro vehículo o con un objeto inmóvil, como una valla, un farol o un árbol.

Cobertura contra todo riesgo: el seguro de automóvil contra todo riesgo cubre los daños causados por tormentas, inundaciones, incendios y otras causas naturales, incluido el contacto con la vida silvestre. También cubre los gastos en caso de vandalismo o robo.

Conductor ocasional: persona que no es el conductor principal del vehículo.

Protección contra lesiones personales (PIP) o cobertura sin culpa: algunos estados tienen seguros sin culpa, lo que significa que los conductores asegurados pueden tener los costos cubiertos por su compañía de seguros, independientemente de quién haya causado un accidente. Estos estados exigen la cobertura PIP, que paga los gastos médicos, los salarios perdidos y otros daños sufridos por un conductor asegurado, los pasajeros y otras personas que puedan haber sido lesionadas.

Pérdida total: situación en la que el costo de reparación de un vehículo dañado supera su valor real en efectivo o en la que se considera que no es rentable reparar el vehículo.

Términos del seguro de hogar

Inundación: esta cobertura adicional, que no suele incluirse en las pólizas de hogar, protege sus bienes de las inundaciones.

Peligro: circunstancia que aumenta la probabilidad de pérdida.

Seguro para inquilinos seguro que protege al inquilino y sus pertenencias.

Valor real en efectivo vs. Costo de reemplazo

La principal diferencia entre el valor real en efectivo y el costo de reemplazo es la depreciación: la disminución del valor de un artículo debido a factores como la antigüedad, la obsolescencia y el desgaste..

Una póliza de valor real en efectivo paga la cantidad necesaria para reponer un artículo perdido o dañado, menos la depreciación.

El costo de reemplazo proporciona la suma necesaria para reemplazar un artículo dañado por otro de tipo y calidad similares, sin deducir la depreciación.

No siempre está claro si una póliza paga el valor real en efectivo o el costo de reemplazo. Si tiene alguna pregunta o duda, revise la póliza con su agente, que puede brindarle ayuda para entender mejor su cobertura.

Piénselo así…

Cuando presenta un reclamo, la compañía de seguros determina la liquidación o la indemnización que recibirá en función del tipo de póliza que tenga. El Instituto de Información de Seguros pone el ejemplo de un árbol que cae sobre su techo y su lavadora de 8 años.

Si el árbol también daña el techo de 15 años hasta el punto de tener que cambiarlo, una póliza de costo de reemplazo pagaría el costo total de la instalación del nuevo techo, mientras que una póliza de valor real en efectivo solo pagaría un porcentaje.

No hay un único tipo de plan que sirva para todos

Dado que la cobertura del seguro se basa en las necesidades personales, puede variar de un cliente a otro.

La prioridad de su agente de seguros es ofrecerle soluciones a la medida para ayudar a que gestione los riesgos cotidianos.

Haga tantas preguntas como quiera

Las pólizas de seguros tienen muchos componentes, y no se espera que usted los conozca todos. Si su agente de seguros utiliza un término desconocido, o aparece alguno en su póliza, no tema preguntar qué significa. Si quiere saber por qué su póliza está elaborada de determinada manera, pregunte. Un buen agente de seguros responderá a sus preguntas.

Los detalles son esenciales para la precisión

Los agentes de seguros hacen muchas preguntas sobre su vida personal porque esto les permite determinar qué tipo de protección necesita para asegurar adecuadamente a su familia y sus bienes.

Informe a su agente cuando cambien las circunstancias

Un cambio en su vida significa un cambio en el tipo de cobertura que necesita para proteger adecuadamente sus pertenencias más valiosas. Hable con su agente de seguros al menos una vez al año para ver si es necesario actualizar alguna de sus pólizas de seguro.

Aprenda cómo funciona su cobertura de principio a fin para salir a la carretera con confianza

Conocer más sobre el seguro de automóvil de AAA

Aprenda cómo funciona su cobertura de principio a fin para salir a la carretera con confianza.

Conocer más sobre el seguro de automóvil de AAA

Cómo presentar un reclamo tras un accidente

✔ Asegúrese de que usted y todos los ocupantes del vehículo estén a salvo.

✔ Comuníquese con la policía.

✔ Tome fotos y vídeos del accidente, incluidas las matrículas y las lesiones visibles.

✔ Recopile información de todas las partes implicadas (nombre, número de teléfono, datos del seguro, etc.).

✔ Póngase en contacto con su proveedor de seguros.

✔ Aclare la cobertura y los deducibles con su agente.

✔ Presente un reclamo formal a su seguro siguiendo sus instrucciones.

✔ Manténgase al tanto de la investigación del reclamo y haga un seguimiento cuando sea necesario.

¿Qué sucede si el otro conductor no tiene seguro?

Uno de cada tres conductores no tiene seguro o tiene un seguro insuficiente, según el Consejo de Investigación de Seguros. Incluso, si un conductor sin seguro lo atropella, o peor aún, si es víctima de un atropello con fuga, tendrá que pagar los daños del vehículo, los gastos médicos, el tiempo perdido en el trabajo y los gastos imprevistos relacionados con el accidente.

Esto también puede ocurrir cuando el conductor culpable tiene un seguro insuficiente. La cobertura contra conductores con seguro insuficiente ofrece protección cuando el conductor culpable tiene un seguro insuficiente. A veces, se combina con la cobertura contra conductores sin seguro. Esto varía según el estado.

Algunos estados exigen que todos los conductores compren un seguro contra conductores sin seguro, por ejemplo:

Connecticut
Massachusetts
Maine
Vermont
New York
Maryland

En otros estados, como Delaware, se incluye automáticamente en las pólizas de seguro de los conductores. Para darlo de baja, es necesario que los conductores rechacen la cobertura por escrito.

Hay dos tipos de coberturas contra conductores con seguro insuficiente o sin seguro: daños físicos y daños materiales

La cobertura de daños materiales contra conductores sin seguro paga los daños que sufra su vehículo si lo daña un conductor sin cobertura de responsabilidad civil. La cobertura contra conductores con seguro insuficiente también protege frente a daños físicos y daños materiales.

En algunos estados, el seguro de daños materiales contra conductores sin seguro puede traslapar con la cobertura de colisión, que paga los daños de su carro a causa de un impacto contra un objeto u otro vehículo. Normalmente, la cobertura de daños físicos contra conductores sin seguro no incluye un deducible. Sin embargo, su cobertura de daños materiales contra conductores sin seguro puede requerir un deducible. Esto varía según el estado.

Los conductores están obligados a tener una cobertura de protección contra lesiones personales, en estados con seguros sin culpa como Massachusetts, Pensilvania, Nueva Jersey y Nueva York, donde las aseguradoras cubren ciertos costos de accidentes, dentro de unos límites, independientemente de quién tenga la culpa. Por este motivo, la protección contra lesiones personales suele denominarse seguro sin culpa.

La cobertura de pagos médicos, o MedPay, cubre las facturas médicas de usted y sus pasajeros. Independientemente de quién sea el culpable, MedPay trabaja rápidamente para pagar los gastos médicos e incluso puede cubrir el costo del deducible de su seguro médico o de protección contra lesiones personales. MedPay es opcional en todos los estados, excepto en Maine y Nuevo Hampshire, donde es obligatorio cuando los conductores contratan un seguro de automóvil.

Mitos sobre el seguro de automóvil

Un carro rojo es más caro de asegurar.

Falso. El color del vehículo no es un factor que determine el riesgo.

Una multa aumentará las tarifas de su seguro.

Verdadero y falso. Si estaciona ilegalmente en un centro comercial, la tarifa del seguro no aumentará. Sin embargo, si conduce de manera imprudente, conduce bajo los efectos del alcohol, conduce con la licencia suspendida o realiza otra infracción grave, puede esperar recibir un aumento de la tarifa.

Cuando presto mi carro a alguien, no soy responsable de un accidente.

Falso. Cuando presta su carro a alguien, asume el riesgo de que pueda sufrir un accidente. Si esto ocurre, su seguro será la póliza principal responsable de los costos.

Todo lo que hay en mi carro está cubierto por mi póliza.

Verdadero y falso. Aunque su póliza de seguro de automóvil está diseñada para cubrir artículos como los aparatos electrónicos del carro, no está pensada necesariamente para cubrir todas sus pertenencias. Su póliza especificará qué está cubierto.

Cómo reducir la prima de su seguro de automóvil

Las primas del seguro de automóvil pueden aumentar por diversos motivos: desde acontecimientos actuales, como la inflación, hasta detalles personales, como su forma de conducir, dónde vive y su edad. Es posible que no siempre pueda evitar que su tarifa aumente, pero hay muchas formas de asegurarse de que saca el máximo partido a su dinero.

Conduzca con precaución. No tener accidentes ni multas por exceso de velocidad es la parte más importante para evitar un aumento de la prima del seguro de automóvil. Los conductores con multas y accidentes en su historial representan un mayor riesgo para las compañías de seguros, y sus primas así lo reflejan. En algunos estados, hacer un curso de conducción defensiva (como el Curso de Conducción Defensiva de AAA) puede ayudar a que obtenga un descuento en el seguro. Incluso si no obtiene un descuento, los consejos que aprenda pueden brindarle seguridad al volante, lo que constituye una parte importante de la gestión de los costos del seguro.

Combine los seguros. Comprar el seguro de automóvil, el seguro para inquilinos y el seguro de hogar a través de la misma compañía es una receta para ahorrar. La mayoría de las compañías ofrecen descuentos a los clientes que combinan coberturas.

Analice sus deducibles. Muchos conductores que aumentan sus deducibles ven cómo bajan las primas porque reducen los costos a los que tendrán que hacer frente sus compañías de seguros tras un accidente.

Analice sus vehículos. El costo de la reparación de un vehículo tras un accidente influye en las primas del seguro. Por eso, es probable que un carro deportivo de alta gama sea más caro de asegurar que un sedán normal.

Logre que su adolescente tenga buenas notas. Agregar un conductor adolescente a su póliza puede ser costoso, pero muchas compañías ofrecen descuentos a los conductores jóvenes a los que les va bien en los estudios. Su hijo o hija debe ser estudiante a tiempo completo de escuela secundaria o universidad y mantener, al menos, un promedio de B (3.0) o equivalente.

Utilice su estacionamiento. Algunas compañías ofrecen descuentos a los conductores que guardan sus vehículos en un estacionamiento cuando no los utilizan.

Pague de una vez. Pagar la póliza de una sola vez, en lugar de pagar en cuotas, puede hacer que obtenga un descuento. Algunas compañías también ofrecen descuentos a los conductores cuyos pagos mensuales se deducen automáticamente de sus cuentas bancarias.

Mantenga un buen historial crediticio. En la mayoría de los estados (excepto Massachusetts, California y Hawái), tener un historial crediticio pobre o deficiente puede repercutir en la prima.

Hable con su agente. Muchos conductores solo hablan con sus agentes de seguros cuando buscan un presupuesto de pólizas o después de un accidente, pero una comunicación frecuente con su agente puede garantizar que los costos de su seguro no sean más altos de lo necesario.

¿Qué debe tener en cuenta al agregar un conductor adolescente a su póliza?

El mejor momento para empezar a buscar un seguro de automóvil para adolescentes es cuando estén preparados para obtener la licencia de aprendizaje. Aunque los adolescentes suelen estar cubiertos por su póliza durante este período, debe notificar a su aseguradora que hay un conductor en período de aprendizaje en casa y que pronto necesitará obtener una cobertura.

Cobertura de collision

En caso de que el carro de su hija o hijo adolescente necesite reparación o reemplazo tras un accidente, este es el tipo de seguro que le dará protección. Cubre el costo de las reparaciones, incluso en caso de pérdida total del vehículo. A pesar de sus mejores esfuerzos, los adolescentes aún están aprendiendo y son más propensos a los golpes y los choques.

Agregue un conductor adolescente a su póliza para ahorrar dinero en las primas

Una vez que haya analizado las opciones, para ahorrar dinero, puede revisar su cobertura e incluir a su hijo o hija en esa póliza.

Pueden ayudar a cubrir los gastos

Con un historial de conducción limitado, mayor riesgo de accidentes y poco o ningún historial crediticio, los adolescentes están en clara desventaja a la hora de contratar su propio seguro, pero esto no significa que no deban asumir cierta responsabilidad económica. Los padres que optan por no cubrir el costo del seguro suelen establecer su propio plan de pago informal.

Asigne un vehículo específico a su conductor adolescente

Las aseguradoras utilizan múltiples factores para determinar las primas, como la antigüedad del vehículo, los índices de seguridad y la susceptibilidad de ser robado o conducido de forma peligrosa. A menudo, es posible ahorrar en gastos si se especifica el automóvil que utilizará el conductor adolescente. Esto evita que su compañía asocie un nuevo conductor con el automóvil más caro de su póliza.

¿Qué hacer cuando el adolescente tiene otra póliza?

Un plan compartido suele ser la forma menos costosa de asegurar a un conductor adolescente, pero, en algunos casos, los padres pueden no querer incluir a un conductor adolescente en su póliza. Ayude a su hijo o hija adolescente a analizar todos los descuentos disponibles y ofrezca orientación durante todo el proceso.

Una vez que tenga otra póliza, puede excluir a su hijo o hija adolescente de la suya. En la mayoría de las pólizas de seguro, cualquier persona que tenga permiso para conducir su carro, incluidos los miembros de su núcleo familiar, se considera asegurada por su póliza. Si su compañía le permite especificar los conductores excluidos y el nombre de su hijo o hija adolescente está en el título de su propio carro, es posible que pueda ahorrar dinero.

“Llame a su agente de seguros para comunicarle que tiene un nuevo conductor para agregar a su póliza. Asegúrese de preguntar por algunos de los descuentos a los que puede tener derecho su conductor adolescente, como los descuentos por formación de conductores y por buenas notas”.

John Donovan, director de ventas de seguros de AAA Northeast

Su casa es su refugio. Asegúrese de tener una buena protección desde el sótano hasta el techo.

Conocer más sobre el seguro de hogar de AAA

Su casa es su refugio. Asegúrese de tener una buena protección desde el sótano hasta el techo.

Conocer más sobre el seguro de hogar de AAA

¿Qué partes de su casa necesita asegurar?

Los reclamos por daños causados por el viento son una desafortunada realidad para muchos propietarios, pero saber cómo prepararlos y gestionarlos puede aliviar su preocupación.

Según el Instituto de Información de Seguros, las pólizas de seguro de hogar estándar cubren los daños causados por el viento, la nieve y el hielo en los bienes muebles e inmuebles. Sin embargo, el alcance de la cobertura puede variar en función de los términos y condiciones específicos que se describen en su póliza. Es importante revisar detenidamente su póliza de seguro para comprender el alcance de la cobertura de los riesgos relacionados con el viento.

En caso de que un huracán dañe su casa, usted será responsable de alrededor del 1% al 5% del valor asegurado antes de que comience su cobertura. Como explica el Instituto de Información de Seguros: “Si una casa está asegurada por $300,000 dólares y tiene un deducible del 5%, los primeros $15,000 dólares de un siniestro deben ser pagados por el asegurado”.

Según su lugar de residencia, algunas compañías de seguros pueden ofrecer deducibles más elevados por huracanes o, posiblemente, no aplicar ningún deducible por huracanes. En ambos casos, esto se reflejará en la prima que se cobre. Puede preguntar a su agente qué opciones tiene a su disposición.

¿El seguro de hogar cubre el moho?

“La respuesta suele ser no —afirma Patrick Sullivan, director ejecutivo de ventas de seguros de AAA Northeast— a menos que sea el resultado de lo que llamamos un riesgo cubierto”.

En la mayoría de las pólizas de seguro de hogar, la protección económica solo se concede por daños derivados de causas repentinas y accidentales. Por lo general, se trata de incendios, granizo, rayos, etc. El moho no entra en esta categoría. A nadie le aparece moho de repente, aunque haya crecido en secreto.

No obstante, existen circunstancias específicas en las que el moho podría estar cubierto. Si el moho es causado por un suceso que figura en su póliza, su seguro de hogar puede cubrir su eliminación. Si el moho se debe a filtraciones graduales, negligencia o humedad general, no suele estar cubierto.

El seguro para inquilinos y el seguro de hogar estándar cubren las pertenencias contra incendios y otros riesgos mencionados en una póliza, pero hay límites en la cantidad de dinero que un asegurado puede cobrar por una sola pieza de joyería que haya sido robada. En la mayoría de las pólizas, el “límite de responsabilidad” de las joyas se sitúa en torno a los $1,500 dólares, muy por debajo de los $5,000 dólares que se gasta, en promedio, en un anillo de compromiso.

Los compradores que busquen un seguro para su anillo de compromiso o cobertura para otros bienes de valor que supere el límite de responsabilidad de su póliza tienen dos opciones, según el Instituto de Información de Seguros. Pueden solicitar a su agente de seguros que aumente el límite de responsabilidad o pedirle que incluya una joya individual en su cobertura mediante la contratación de lo que se denomina una póliza flotante.

En caso de una emergencia con mascotas, las facturas por servicios veterinarios pueden ascender a miles de dólares, según la gravedad del problema. Incluso, algunas clínicas no pueden brindar tratamiento sin tener primero una prueba de capacidad de pago. El seguro para mascotas puede ayudar a mitigar los costos de servicios veterinarios de emergencia mediante la cobertura de una parte importante de los gastos, en función de su póliza. Saber que cuenta con ese apoyo puede permitirle centrar la atención en lo que realmente importa en ese momento: el bienestar y la recuperación de su mascota.

El seguro de hogar no cubre los daños por inundación. Si no vive en una zona especial de riesgo de inundación, definida por la Agencia Federal para el Manejo de Emergencias (FEMA) como una zona con un 1% o más de probabilidades de inundación en un año determinado, no tiene la obligación de contratar un seguro contra inundaciones. Sin embargo, su prestamista hipotecario puede exigirle que lo tenga. Además, según la Agencia Federal para el Manejo de Emergencias, más del 40% de los siniestros por inundaciones proceden de propiedades situadas fuera de las zonas de alto riesgo de inundación. Por lo tanto, aunque técnicamente no necesite un seguro contra inundaciones, es recomendable tenerlo, ya que pueden ocurrir en cualquier lugar.

¿Alquila? Esto es lo que cubre el seguro para inquilinos.

Si un huésped resulta herido en el inmueble que alquila.
Si hay objetos personales robados o dañados.
Si el inmueble que alquila ha quedado dañado y no es habitable, normalmente se cubren los gastos adicionales para vivir.

Dado que los daños podrían afectar a la cobertura de su seguro, realice una inspección profesional de la casa y siga esta lista de comprobación para asegurarse de que todos los aspectos clave estén cubiertos.

✔ Paredes y techos

Preste atención a grietas, agujeros, descascaros, superficies onduladas y desiguales, faltante de yeso, hongos, marcas de agua, bultos, burbujas, pintura descascarada, clavos salientes, tuberías y cables sueltos.

✔ Puertas y ventanas

Compruebe si hay daños como tornillos faltantes u óxido y huecos entre los marcos de puertas y ventanas. Asegúrese de que las puertas y ventanas se abren y cierran con facilidad y busque posibles daños por agua debido a una instalación incorrecta.

✔ Suelos y baldosas

¿Faltan baldosas, o están agrietadas o astilladas? Las baldosas no deben estar inclinadas, y no debe haber huecos en los zócalos.

✔ Accesorios

Asegúrese de que todos los lavamanos y duchas disponen de grifería. Confirme que todo funciona y que no falte nada.

✔ Tuberías y plomería

Compruebe si hay fugas en las tuberías expuestas y busque manchas de agua en los techos, que pueden indicar una fuga detrás de una pared. La baja presión de agua también puede ser un signo de una plomería defectuosa.

✔ Electricidad y cableado

Busque cables sin conectores de cable y cajas de conexión abiertas.

✔ Drenaje

Compruebe si hay zonas empapadas en el jardín o goteras en el sótano, que pueden indicar problemas de drenaje.

✔ Techo y canalones

Busque tejas desgastadas, árboles crecidos, arbustos u otras partes del jardín que invadan el techo o sobresalgan de la estructura. La humedad del sótano puede ser un signo de canalones obstruidos.

✔ Cimientos

Preste atención a pequeñas grietas, puertas y ventanas pegadas, que pueden indicar defectos en los cimientos.

¿Sabía que…?

“Las compañías de seguros recompensan a los clientes que toman medidas proactivas para proteger su hogar. Contar con un sistema de seguridad de monitoreo, dispositivos de corte de agua o elementos para mitigar los efectos de los vendavales, por ejemplo, puede ayudar a que consiga un descuento en su póliza”.

John Donovan, director de ventas de seguros de AAA Northeast

Detectores de humo

Existen dos tipos comunes de detectores de humo. En general, los detectores de humo por ionización son más sensibles a los “fuegos con llamas”, mientras que los fotoeléctricos son más sensibles a los “fuegos latentes”, según la Asociación Nacional de Protección contra Incendios. Es altamente recomendable utilizar una combinación de ambos, aunque el tipo y número de detectores de humo que deben instalarse en las casas lo establece la legislación local.

Detectores de monóxido de carbono

El monóxido de carbono es un gas venenoso que, a veces, se conoce como el “asesino silencioso”. A diferencia del fuego, con sus llamas, calor y olor a humo, el CO es peligroso porque es invisible, sin olor y sin sabor.

Sensores de inundación

Los sensores de inundación pueden detectar niveles inusuales de humedad, lo que ayuda a proteger su hogar de posibles daños causados por el agua. Los daños causados por el agua no solo son costosos (las inundaciones arruinan alfombras, muebles, aparatos electrónicos, etc.), sino que también pueden provocar la aparición de moho.

Detectores de movimiento

Los sensores de movimiento son una parte importante de la protección de sus seres queridos, su hogar y sus objetos de valor. Los sistemas de seguridad actuales son capaces de controlar en tiempo real quién toca el timbre, entra en su casa o incluso entra en una habitación concreta. Algunos sistemas pueden hasta enviar notificaciones directamente a su teléfono.

Conozca las principales ventajas de combinar su cobertura

Cuando se trata de gestionar sus necesidades de seguro, hay muchas razones por las que combinar sus pólizas de seguro puede ser beneficioso: desde pagos más bajos hasta un proceso de reclamos más ágil. A continuación, le explicamos todas las formas en que combinar los seguros de hogar y automóvil puede hacer todo un poco más fácil.

Bajan los costos, aumenta el ahorro

Una de las razones más convincentes para combinar los seguros de hogar y automóvil es el potencial de ahorro. Las compañías de seguros suelen ofrecer importantes descuentos a las personas que compran varias pólizas de sus empresas, y este descuento puede suponer un ahorro considerable con el tiempo.

Gestión sencilla de pólizas

Manejar y hacer un seguimiento de múltiples pólizas de seguro a veces se siente como estar haciendo malabares y puede llevar bastante tiempo. Consolide su cobertura con un único proveedor para combinar sus seguros de automóvil y hogar y simplificar el proceso. Esto puede facilitar el seguimiento de los pagos, las renovaciones anuales y las actualizaciones de las pólizas. En lugar de tratar con distintas compañías, tendrá un único punto de contacto para todas sus necesidades de seguros, lo que agilizará la comunicación y las tareas administrativas.

Mejores opciones de cobertura

Si combina sus pólizas de automóvil y hogar, puede acceder a mejores beneficios de cobertura que no están disponibles en las pólizas independientes. Estas ventajas adicionales pueden incluir límites de responsabilidad más elevados, protección frente al robo de identidad y mayor cobertura para determinados tipos de reclamos. La combinación de pólizas también puede otorgarle las condiciones necesarias para que pueda obtener programas especiales o recompensas ofrecidas por la aseguradora, como la posibilidad de comprar una póliza de responsabilidad extendida. Este tipo de póliza proporciona cobertura si los daños superan los límites de responsabilidad de sus pólizas de automóvil y hogar.

Proceso de reclamos más fácil

En caso de un reclamo, tener tanto el seguro de automóvil como el de hogar con el mismo proveedor puede dar lugar a un proceso más eficaz, ya que la coordinación resulta más sencilla. Esto por sí solo reduce la probabilidad de disputas y demoras que pueden producirse cuando las pólizas son de entidades distintas. Si el reclamo involucra tanto a su vehículo como a su hogar, como en el caso de una catástrofe natural, esa línea directa de comunicación no solo es una ventaja, sino también un alivio.

Como siempre, conviene comparar las ofertas de distintas aseguradoras para obtener la mejor relación calidad-precio y la mejor cobertura para sus necesidades específicas.

El seguro no es algo que se deba considerar solo una vez. Es un contrato vivo, que debe estar en constante cambio a lo largo de la vida. El seguro ofrece protección para las peores situaciones que, en el mejor de los casos, nunca tendrá que afrontar.

“Cuando la vida cambia, es posible que su seguro también tenga que hacerlo. ¿Alguien de su familia ha obtenido recientemente una licencia? ¿Ha hecho reformas importantes en su casa? Comuníquese con su agente para revisar sus pólizas y asegúrese de que siga teniendo la cobertura adecuada”.

John Donovan, director de ventas de seguros de AAA Northeast

Recursos y mucho más sobre los seguros de AAA

Underrated Day Trips in NYC

You know about the Empire State Building, Central Park and the Statue of Liberty, but there is so much more to see in New York City. We’ve tracked down all the slept-on day trips in the city that never sleeps.

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You know about the Empire State Building, Central Park and the Statue of Liberty, but there is so much more to see in New York City. We’ve tracked down all the slept-on day trips in the city that never sleeps.

Manhattan

Circle Line Sightseeing Cruises

With a Circle Line cruise, you’ll see the city in a whole new way. Circle Line has six daily cruises, the most of any sightseeing company. It’s the only tour that takes people around the entire island of Manhattan, with two different cruise times available. In-person tour guides, certified by the New York Historical, narrate all cruises, and all the boats feature large outdoor decks and concessions.

The Met Cloisters

The Met Cloisters in Fort Tryon Park house the Metropolitan Museum’s collection of European medieval art. It’s where you’ll find the Unicorn Tapestries, seven woven hangings from the late 1400s and early 1500s that depict a unicorn hunt, and the museum’s collection of arms and armor, paintings and altarpieces. Even the building itself is art: European cloisters, chapels and other architectural details were painstakingly pieced back together to create the museum’s edifice.

Explore Fort Tryon Park before or after your visit for a welcome natural respite. Designed by the sons of Frederick Law Olmsted (the landscape architect who designed Central Park), the 67-acre setting has sweeping views of the Hudson River, walking paths and one of the city’s largest gardens.

Roosevelt Island Tramway

Getting to Roosevelt Island can be its own adventure. The Roosevelt Island Tramway takes passengers on a five-minute ride across the East River from a station at 59^th Street and Second Avenue. It is the first of only two commuter aerial trams in North America, and the views are incredible.

Irish Hunger Memorial

Designed by sculptor Brian Tolle and landscape architect Gail Wittwer-Laird, the Irish Hunger Memorial is like a piece of Ireland in the middle of lower Manhattan. The memorial, which looks like a gentle, grassy slope, features soil and vegetation from western Ireland. Among the grasses, flowers and moss, you’ll find stones from every Irish county and even the ruins of an authentic 19th-century Irish cottage. From the top of the slope, you can see both Ellis Island and the Statue of Liberty, reminding visitors of the journey that many Irish immigrants had to take to escape the ravages of the Great Hunger, also known as the Irish Potato Famine.

The High Line

To see the value of urban renewal projects, look no further than the High Line. Once an abandoned elevated railway, the 1 1/2-mile walkway and public park is now a thriving garden space with more than 100,000 plants, an outdoor gallery for public art and a gathering spot for residents and visitors.

Fun fact: The tracks ran through the National Biscuit Company building, where the Oreo cookie was invented. That building is now home to Chelsea Market.

The High Line extends from the Meatpacking District up through Chelsea and almost into Hudson Yards. For diversions, you can step into the surrounding Meatpacking District (yes, it was once home to slaughterhouses and meatpacking plants) for retail therapy and nibbles at Chelsea Market, art gallery walks in Chelsea and sightseeing and shopping at Hudson Yards.

Intrepid Museum

The USS Intrepid is a massive aircraft carrier docked in New York City. Since 1982, it’s been the home of the Intrepid Museum. You’ll be able to explore the museum’s vast collection, view original artifacts, see historic footage and discover interactive exhibits. You’ll find the prototype NASA space shuttle orbiter Enterprise, the guided missile submarine Growler, the
record-breaking British Airways Concorde Alpha Delta G-BOAD and so much more. It’s the perfect museum for people who want to immerse themselves in sea, air and space history. AAA members get 25% off general admissio n.

The Tenement Museum

The Tenement Museum features two historic tenement buildings on the Lower East Side, with restored tenements representing different time periods and immigrant experiences. Learn about what life was like for immigrants of different cultural backgrounds from the 1860s to the 1980s. The museum also features neighborhood walking tours.

Mmuseumm

Housed in a former freight elevator in Tribeca, the tiny Mmuseumm describes itself as “a modern natural history museum dedicated to the curation and exhibition of contemporary artifacts that illustrate and humanize the complexities of the modern world.” In other words, it showcases everyday objects in a way that is designed to make you think. Previous exhibits have included “Objects Removed from People’s Bodies” and “The Cornflake Taxonomy.”

AKC Museum of the Dog

Hosted by the American Kennel Club, this museum highlights artwork dedicated to our canine companions. Here you will find watercolors, bronze sculptures, textile art and interactive exhibits, all focused on our four-legged best friends. Want to bring your dog along? On Fridays in summer and for special events, they can explore the museum too.

Metropolitan Transit Art

Have you ever wondered where the art in New York City’s subway stations comes from? MTA Arts & Design is in charge of commissioning public art for all of the city’s transit systems. These are just some of the most interesting pieces you can find on the subway.

Sky (2018),
Yoko Ono
72nd Street, Manhattan

This series of mosaics illustrates a realistic depiction of a bright blue sky and fluffy white clouds. The scenes are captioned with simple messages of hope and peace.

Revelers (2008),
Jane Dickson
Times Square, 42nd Street, Manhattan

It’s always New Year’s Eve in this subway station, which features 70 life-size, detailed mosaics of people celebrating the ball drop and ringing in the new year.

Framing Union Square (1998),
Mary Miss
Union Square, 14th Street, Manhattan

History becomes art in “Framing Union Square,” which uses the motif of red frames to highlight the layers of historic architecture, art and structural elements going back to the station’s beginnings in 1904.

Times Square Mural (2002),
Roy Lichtenstein
Times Square, 42nd Street, Manhattan

The bold style of Roy Lichtenstein comes to life in this giant mural, illustrating the busy spirit of the subway and Times Square.

Room of Tranquility (2002),
Helene Brandt
Yankee Stadium, 161st Street, Bronx

This artwork deconstructs the station, breaking the walls apart to reveal a dense mosaic of the outside world — trees, grass and sky.

My Coney Island Baby (2004),
Robert Wilson
Coney Island, Stillwell Avenue, Brooklyn

Silk-screened images on glass brick walls illuminate Coney Island as a playground for the people who live there, past and present.

Children’s Cathedral (1996),
Jimmy James Greene
Utica Avenue, Brooklyn

The colorful drawings of children are elevated to heavenly proportions in “Children’s Cathedral.” Inspired by real drawings by children, Greene records the dreams, memories and perceptions of their world.

Tiles showing nature, people and building

Happy World (1999),
Ik-Joong Kang
Main Street, Flushing, Queens

The dozens of tiny boxes in this mural combine to create the little everyday stories of Flushing, the most diverse community in the city.

Not-So-Central Parks

While Central Park may offer everything you want and more, you won’t want to miss the character, history and views of these Manhattan green spaces and squares. Discover your new favorite park here!

Inwood Hill Park

At the top of Manhattan, you can travel back in time to old New York. Inwood Hill Park is mostly untouched by development or even landscaping. Here, you’ll find hundreds of acres of old-growth forests and completely natural landscapes.

Bryant Park

There’s always something to do at Bryant Park. This idyllic midtown park, behind the New York Public Library, features a rotation of seasonal events, public concerts, movie screenings and more.

Washington Square Park

The iconic Washington Square Park in Greenwich Village is a hot spot for people watching, chess playing and street performances.

The Battery

This sprawling waterside park at the southern tip of Manhattan features an urban farm, perennial gardens, a picturesque bike path and more. Kids will love the eco-inspired Playscape playground and the beautiful SeaGlass Carousel. You can also catch a ferry to the Statue of Liberty and Ellis Island.

Little Island

Opened in 2021, Little Island at Pier 55 is one of the newest parks in the city. It’s built entirely on artificial land, making it look like a giant bouquet sprouting from the Hudson River. Its amphitheater is a hot spot for concerts and events, and the entire 2-acre park boasts beautiful views of the city and its surroundings.

Septuagesimo Uno

The teeny-tiny Septuagesimo Uno (named for its location on 71^st Street) is one of the smallest parks in the city. This pocket park, tucked away in the Upper West Side, offers a mini escape from the hustle and bustle of the city at less than 1,800 square feet.

Brooklyn

Brooklyn Bridge Park

To get jaw-dropping views of New York City’s skyline, you may be tempted to search for the highest skyscraper perch. But to get the best sight of Manhattan, hop over to the other side of the East River. Brooklyn Bridge Park offers visitors sweeping views of the harbor, the Brooklyn and Manhattan bridges and the lower Manhattan skyline.

Brooklyn Heights Promenade

Take in expansive views of Manhattan from the Brooklyn Heights Promenade, a pedestrian walkway dotted with benches and plenty of spaces to sit for a spell. Be sure to visit at night for a visual feast when the city’s skyline sparkles to life.

New York Aquarium

On Coney Island, you can find one of the oldest continually operating aquariums in the United States. The sprawling New York Aquarium features over 500 species, from sharks to sea otters. Visitors can enjoy the immersive shark tunnel, up-close wildlife encounters, sea lion shows and more.

Luna Park

Luna Park is one of the most nostalgic amusement parks around. Coney Island has been a hot spot for theme park attractions and innovations since the 1800s. Today, Luna Park features head-spinning rides, optical illusions and vibrantly colored embellishments. Among the many rides at this grand beachside playground are the 150-foot-tall Sling Shot, the Soarin’ Eagle roller coaster, the long-standing Wonder Wheel and the historic Cyclone wooden roller coaster. Complete the trip with a hot dog from the original Nathan’s Famous stand.

New York Transit Museum

Learn how New Yorkers of the past got around at the New York Transit Museum, which is situated in a decommissioned subway station. Explore its fleet of vintage subway cars, which range from 1907 to 1955. It’s great for photo ops and trips down memory lane.

Brooklyn Museum and Brooklyn Botanic Garden

You’ll find one of the country’s oldest and largest cultural institutions in a stately circa-1897 building nestled alongside the Brooklyn Botanic Garden. Inside the Brooklyn Museum are five floors of art ranging from Egyptian antiquities and Japanese woodprints to European masterpieces and contemporary works by artists Cindy Sherman and Kara Walker among others. Next door is the Brooklyn Botanic Garden, home to more than 12,000 species of plants spread across 52 acres. In June, 10,000 roses bloom to life in the Cranford Rose Garden. More summer and fall highlights include the wildflowers in the Native Flora Garden and the changing colors of the oaks near the Cherry Esplanade.

Queens

Museum of the Moving Image

This museum is dedicated to the art, history, technique and technology of the moving image. Featuring a collection that includes 19th century optical toys, old film tech and video games, the exhibits are highly interactive and fun for the whole family.

Queens Botanical Garden

Take some time to stop and smell the flowers at the Queens Botanical Garden. At nearly 40 acres, this serene escape flourishes with a wide array of flowers, plants and trees, with smaller gardens themed around world cultures. Enjoy the cherry trees blossoming in spring and lilies in summer, take in the aromas on the fragrance walk and see what all the buzz is about in the bee garden.

MoMA PS1

For local art discovery, head to MoMA PS 1, an abandoned public school turned contemporary art institution. The space features thought-provoking modern works, often addressing current social, cultural and political issues, from an ever-changing roster of artists.

Jamaica Bay Wildlife Refuge

Go on a hike, search for turtle nesting areas, and admire the wildflowers and insects that call the over 9,000 acres of woods, salt marshes and freshwater ponds home at the Jamaica Bay Wildlife Refuge. With more than 325 species of birds, it’s a place bird-watchers will not want to miss. The refuge trails and parking lot are open daily from 6 a.m. to 9 p.m.

Louis Armstrong House Museum

The house in the Corona neighborhood of Queens that Louis Armstrong and his wife, Lucille, purchased in 1943 is now a historic site and museum. The house gives visitors a peek into the couple’s life, while the museum’s collection of personal and donated memorabilia, recordings, scrapbooks, instruments and awards pays tribute to Satchmo’s accomplishments and legacy in the world of jazz.

It’s just one stop you can make on a self-guided exploration of the Queens Jazz Trail. As a place where hundreds of jazz musicians lived and played, including stars like Ella Fitzgerald and Lena Horne, Queens is an integral part of jazz history.

Bronx

Bronx Zoo

At America’s l argest metropolitan zoo, visitors can see Asian elephants, gorillas, tigers, grizzly bears and the denizens of a beautiful butterfly garden, among hundreds of other species. General admission is free; admission to special exhibits is reduced on Wednesdays. Save up to 20% on tickets.

New York Botanical Garden

Spend the day enjoying the lush scenery at the New York Botanical Garden. From an edible garden to the Rockefeller Rose Garden, each area and trail features a spectacular display of flowers and greenery. Two on-site restaurants and a picnic pavilion can help you make a day of it, while guided tours, art exhibits and family-friendly activities are regularly available. Save up to 20% on garden passes.

Wave Hill

The lesser-known Wave Hill public garden and cultural center is just as impressive as some of the more popular gardens. Located in the Riverdale section of the Bronx, it overlooks the Hudson River and is easily accessible by car or public transportation. Come and get inspired by the immaculate grounds, art displays and year-round tropical blooms in the conservatory greenhouses.

Edgar Allan Poe Cottage
and Poe Park

Poe Park is named after famous American author Edgar Allan Poe, who rented the white farmhouse now known as Poe Cottage. Built in 1812, it is where Poe wrote “The Bells,” “Eureka” and “Annabel Lee.” The Poe Park visitor center carries on the legacy of the poet as an art and exhibition space offering cultural and educational programming, as well as visual, literary and performance workshops for the community.

Van Cortlandt Park and Van Cortlandt House Museum

This 1,146-acre park boasts the Van Cortlandt Golf Course, one of the nation’s first public courses (opened in 1895), as well as the nine-hole Mosholu Golf Course, which debuted around 20 years later. Beyond golf, the park has playgrounds and picnic spots and is a city hot spot for watching cricket.

The Van Cortlandt House Museum, built in 1748 for a prominent New York family, is the oldest building in the Bronx. The mansion and surrounding grounds, once a wheat plantation, provide history buffs with a glimpse into 18th-century life, art and the experiences of the people who lived and worked there.

Staten Island

Staten Island Ferry

Before the city’s bridges were built, residents paid 5 cents to travel by boat between boroughs. Today, the Staten Island Ferry endures as the last remaining fleet of that system. It shuttles roughly 22 million commuters and visitors a year between St. George, Staten Island, and Whitehall Street in lower Manhattan, a 5-mile, 25-minute trip. The ferry runs 24 hours a day and is free of charge. The vessel is as romantic as it is practical, offering views of the city’s skyline, New York Harbor, the Statue of Liberty, Ellis Island and Governors Island.

Snug Harbor Cultural Center
& Botanical Garden

Snug Harbor may just be the borough’s greatest hidden secret: an immense cultural center where nature, history and art combine to shine a spotlight on Staten Island’s diverse charms. The peaceful 83-acre complex complements an immense botanical garden, which includes the popular Chinese Scholar’s Garden, with attractions such as the Staten Island Museum, the Newhouse Center for Contemporary Art and the Staten Island Children’s Museum.

National Lighthouse Museum

Next to the Staten Island Ferry terminal stands the National Lighthouse Museum, a 2,400-square-foot structure dedicated to the beacons that lit America’s shores and the people who operated them. The museum features models of 180 U.S. lighthouses from 29 states, as well as artifacts galore, including foghorns, lights and other signaling technology. The museum also seasonally sells tickets for boat tours to nearby lighthouses.

Staten Island Boardwalk

If you’re looking for a burst of fresh air and a beautiful place to fish, jog, bike or sunbathe, check out the 2.5-mile Staten Island Boardwalk, also known as the Franklin D. Roosevelt Boardwalk and Beach. The boardwalk unites two of the island’s sandiest and most expansive waterfronts — South Beach and Midland Beach — running parallel with the Verrazzano-Narrows Bridge. The wooden boardwalk starts at Fort Wadsworth and runs past Ocean Breeze, one of the city’s largest and most popular fishing piers.

The Greenbelt

Step into the Greenbelt, and you’ll find yourself surrounded by an oasis of 2,800 pristine acres right in the heart of Staten Island. The city’s largest collective green space is replete with rolling hills, lakes, wetlands, rugged forests and meadows. The Greenbelt offers 35 miles of hiking trails, rated easy to moderate, where visitors will likely catch a glimpse of its friendly resident deer population. The Greenbelt also contains the William T. Davis Wildlife Refuge, the first sanctuary founded in New York City.

Alice Austen House

Alice Austen was a trailblazing photographer whose uncompromising passion challenged the mores of 19th-century Staten Island. She took more than 8,000 pictures during her career. At the Alice Austen House, you’ll find her best shots, including her 1890 documentation of immigrant living conditions during quarantine. But it’s her private pictures that are among her most celebrated.

Today, the house where she and her female partner lived, features scores of photos that document queer relationships between Victorian-era women. Alice’s independent streak led to her being one of the first women in Staten Island to own a car. Years later, she achieved another first: In 2017, the National Park Service designated Alice Austen House as an LGBTQ landmark, the first in the state devoted to a woman.

Beyond NYC

Asbury Park

Get a taste of the Jersey Shore at Asbury Park, a historic town in New Jersey with thriving nightlife. Swim and lounge in the sun on Asbury Park Beach, then head to the Asbury Park Boardwalk to shop, grab a bite to eat at one of the diverse restaurants and check out the artsy murals along the oceanfront. Stop in the Grand Arcade to see what events are going on and shop at its unique stores.

Stamford Museum and Nature Center

Originally a private estate, the 118-acre museum in Connecticut now houses a 10-acre working farm and Tudor-style museum. There is a gallery featuring exhibitions, an interactive nature center, outdoor trails, a large planetarium, a four-story observatory with a research telescope, a playground and an otter pond. The center also offers seasonal exhibits, festivals, children’s programming and camps.

Bannerman Castle

Pollepel Island, more commonly known as Bannerman Island, appears from a distance like a vision from a fairy tale on the Hudson River north of New York City. Above the trees, Bannerman Castle looms, the hauntingly striking shell of a long-abandoned military surplus warehouse.

Francis Bannerman built the Scottish-style castle in the early 1900s and used it as an arsenal and summer home. But after his death, the land and castle slowly began to crumble. The Bannerman Castle Trus t is a not-for-profit organization that has been working with the New York State Office of Parks, Recreation and Historic Preservation to restore and preserve the island and castle — and beautifies the property with gardens. Boat, kayak and self-guided walking tours are available to the public May through October.

Walkway Over the Hudson

Spanning the Hudson River from Poughkeepsie to Highland, New York, the Walkway Over the Hudson is an engineering innovation sprawled against scenic natural beauty. Originally a railroad bridge, it is now the world’s longest elevated pedestrian bridge with views of the Hudson River Valley and surrounding mountains. Walk, jog or bike across, making sure to stop now and then at intentionally placed scenic overlooks that highlight the area’s history.

Sleepy Hollow Cemetery

Steeped in legend and literary history, Sleepy Hollow Cemetery is a hauntingly beautiful place in Hudson Valley, New York. With its winding paths, ornate mausoleums, historic gravesites and centuries-old trees, it’s no wonder that it was inspiration for “The Legend of Sleepy Hollow,” by Washington Irving (who, by the way, is buried here, too). Walk the grounds on your own or opt for a guided tour so you don’t miss any spooky detail.

Long Island Wine Country

With nearly 60 distinct wine producers, Long Island wine country is a rising star in the world of wines. Visitors will love exploring the wineries of the New York island’s North and South Forks. You can choose a selection of vineyards and wineries to try on your own or take a specialized tour. Featuring a pedal-powered wagon and encouraging themed costumes, the North Fork Wine Wagon is a fun day trip idea. Long Island Wine Tours has tours that can last up to nine hours, with wine tastings, a buffet and live music. If you’re driving there, make sure to assign a designated driver!

Looking for more ways to have fun in the city and beyond? Get AAA member discounts on tickets to concerts, theater and sports events, theme parks, museums and so much more.

Save with AAA Tickets

The Northeast Beach Guide

Hello, summer! It’s been a long time, but it’s back, and we can’t wait to dive in. The beach is where summer memories are made; and now that the season has finally arrived, we’re ready to get started on making new ones. The time for seafood shacks, sand toys and boogie boards couldn’t have come soon enough.

If you’re planning on digging your toes into the sand and playing in the surf like we are, we’ve compiled a list of the best beaches in the Northeast to give you some ideas.

Grab some sunscreen and get ready to explore the Northeast’s best spots to soak up summer.

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If you’re planning on digging your toes into the sand and playing in the surf like we are, we’ve compiled a list of the best beaches in the Northeast to give you some ideas.

The Best Beaches in the Northeast

We’ll just say it: In the Northeast, we’re pretty spoiled when it comes to beautiful beaches. From forest-enveloped lakes to unassuming coves with turquoise water you thought only existed in the tropics, we run the full gamut. Plus, it doesn’t hurt to have the so-called Ocean State as part of the mix. (Thanks, Rhode Island!)

Because there are so many beautiful beaches to visit in our area, it’s a hard list to narrow down — but we tried our best.

Here are our top picks for the best beaches in the Northeast.

Connecticut

Hammonasset Beach State Park, Madison

Fancy a long stretch of beach with gentle surf, scenic spots and plenty of activities for the kids? You’ll find it at Hammonasset Beach State Park, where the 2-mile-long shore borders not only the Atlantic, but a nearby nature preserve as well. The waves are gentle and calm, thanks to its location on the Long Island Sound, making it one of the best beaches in New England for families. More than 500 campsites dot the park’s 1,000 acres. You can even visit the Meigs Point Nature Center while you’re there!

Ocean Beach Park, New London

Need a little more entertainment with your beach? Ocean Beach Park offers a range of attractions including a boardwalk, amusement park and waterslides. Visitors can choose to wade through the calm, shallow waters, have a picnic or take their turn at a range of recreational activities such as volleyball, mini golf and more.

Calf Pasture Beach, Norwalk

Calf Pasture Beach’s stretch of sandy shoreline offers an unmatched view of Long Island Sound, swimming, picnicking, fishing, a playground and other family-friendly amenities. Popular for its walking paths and calm waters, it’s an ideal spot for families and anyone looking for the perfect dose of relaxation.

Rocky Neck State Park, East Lyme

Rocky Neck State Park has 710 acres of beach, forests, boulders and salt marshes. The diverse terrain makes for an incredible place to enjoy nature, wherever your interests lie. Enjoy the stone-free beach, explore a trail with your bike or walking shoes, search for crabs or try your hand at climbing — it’s all waiting for you at Rocky Neck.

Massachusetts

Race Point Beach, Provincetown

The views of the endless seas from Race Point Beach are breathtaking, and oftentimes you can see whales and a seal or two off in the distance. There are no concessions, so bring a picnic lunch and drinks. You can also explore the grounds of the Old Harbor Life-Saving Station, a circa 1897 building moved by barge from Chatham to Provincetown in 1977. If you want a little exercise, you can hop on the Province Lands Bike Trail, which connects to nearby Herring Cove Beach and the Province Lands Visitor Center.

Singing Beach, Manchester-by-the-Sea

Do you hear that? As its name suggests, Singing Beach is famous for its unique sand that “sings” when walked on. Besides its musical qualities, the small, picturesque beach offers stunning views of the Atlantic Ocean and is perfect for families with its typically calm waters and easy accessibility.

Wingaersheek Beach, Gloucester

Mother Nature outdid herself at Wingaersheek Beach, with its stunning panoramic views perfectly framed by natural rock formations. Take a stroll on the soft white sand, have a quick dip in the shallow waters and strike up a beach game — Wingaersheek is the ideal spot for anyone’s beach tastes.

Coast Guard Beach, Eastham

Coast Guard Beach, part of the Cape Code National Seashore, is one of the most pristine beaches on the Cape. Featuring dramatic sand dunes, sweeping views and the occasional seal appearance, Coast Guard Beach is also a popular stop for bicyclists as the Nauset Marsh Trail runs straight to it.

New Jersey

Atlantic City Beach, Atlantic City

Perhaps the most famous of New Jersey beaches, Atlantic City boasts plenty of shoreline, tons of attractions and a bustling boardwalk. Kayaking, fishing, surfing and wind surfing are available on many areas of the beach, which will satisfy water sports enthusiasts. Couples or friends can enjoy the high-energy nightlife around the boardwalk and explore the casinos and bars. And families can stop by nearby Steel Pier for kid-friendly coasters and other rides.

Ocean Grove Beaches, Ocean Grove

Ocean Grove offers quiet shores and an active town life without the crowds and clamor of some other New Jersey beaches. If you’re looking to spend the day
reenergizing on the beach and bathing in the sun, this is a good, stress-free choice that’s great for couples and families. If you want to be a bit more active, volleyball and tennis courts are located on the beach. After you’ve dried off, take a stroll downtown for some relaxing shopping and dining.

Belmar Beach, Belmar

Belmar is a quaint beach town with a clean, well-maintained coastline. What more could you ask for? Although the shoreline is only a little longer than a mile, there are plenty of activities available. Designated areas allow surfing, boogie boarding, kayaking, fishing and volleyball. Jet-skiing and boating are also popular. While you’re in town, check out Main Street for chic art galleries and coffee houses.

Island Beach State Park, Ocean County

Island Beach may be one of the most beautiful New Jersey beaches, but it’s also a living habitat that supports many critically endangered species. The barrier island is a protected area with thriving forests and marshes home to ospreys, foxes and other animals. Though the beach tends to draw a lot of visitors on weekends and holidays, the Spizzle Creek Bird Blind Trail and other hiking areas offer a welcome respite from the crowd. On the beach itself, surfing is a favorite pastime. In other parts of the park, there’s scuba diving, bicycling, fishing and even horseback riding.

New York

Brighton Beach, Brooklyn

Sometimes referred to as “Little Odessa,” because of its Eastern European population, Brighton Beach is a small neighborhood on Coney Island, just east of most of the island’s main attractions.

Easily accessible from midtown Manhattan from the B and Q subway lines, stop by to walk on the boardwalk, grab a bite at the concession stand or take advantage of the calm water. While you’re there, step out into the community for a taste of authentic Russian food and culture.

Sunken Meadow State Park, Kings Park

Sunken Meadow State Park offers miles of beautiful beachfront along Long Island Sound. The calm waters make it ideal for less experienced swimmers as well as kayakers, windsurfers and stand-up paddleboarders. Visitors who wish to burn some calories can play a game of soccer or baseball on the activity fields. Other amenities include food stands, picnic areas, playgrounds and a launch site for kayaks and canoes.

Main Beach, East Hampton

East Hampton’s Main Beach is one of the most popular and highly acclaimed beaches in the Hamptons. Often commended for its cleanliness, facilities and high level of lifeguarding, when it comes to Long Island beaches, this one checks off all the boxes. Parking passes can be hard to get as the daily passes are limited. However, the beach is about a 20-minute walk from East Hampton’s Main Street, where ample parking is available.

Smith Point County Park, Fire Island

This scenic 1,000-acre park located on the southern shore of Fire Island offers gorgeous views, swimming, fishing, hiking and camping. Its wide, sandy shores attract sunbathers and surfers alike, while the surrounding wetlands are home to diverse wildlife. The park also features a popular campground, providing visitors with a chance to enjoy the natural beauty of Fire Island overnight.

Rhode Island

Narragansett Town Beach, Narragansett

If you’re looking for waves, whether it’s for surfing or boogie boarding, you can’t beat Narragansett Town Beach. Yes, you must park on the street or the designated visitor’s lot (the other lots are for residents/pass holders only) and pay admission, but what you get in return is a milelong beach that’s spotless and sandy, with the added benefit of watching surfers plying the waves. Plus, you’re right in the heart of a thriving beach town. Just across the street you’ll find tons of eateries — everything from classic seafood to crepes — as well as shopping and ice cream spots.

Goosewing Beach Preserve, Little Compton

It takes a little walking to get here, but you’ll be rewarded with fewer crowds than other Rhode Island beaches — even in the peak of summer — and nature galore. The parcel is owned by The Nature Conservancy, with the town managing the beach in the summer months. If you want to commune with nature and avoid the typical beach scene, this is the place for you. It’s decidedly rustic, with portable toilets and a few private food vendors. Park at South Shore Beach and walk to the end to get to Goosewing.

Second Beach, Middletown

Its official name is Sachuest Beach, but Rhode Islanders know this strip of shore as Second Beach. (Easton’s Beach in Newport is known as First Beach, and a beach near Third Beach Harbor is — you guessed it — Third Beach.) The amenities are plentiful: a concession stand, restrooms, showers, picnic tables and grills dot the sandy expanse. The beach is perched between two natural wonders: Sachuest Point National Wildlife Refuge at one end, filled with walking trails that snowy owls love to visit every few winters; and at the other end, Purgatory Chasm, a natural ravine sluiced away by seawater. It’s a rocky scramble to get there, though, so bring sneakers or hiking boots.

Spring Lake Beach, Burrillville

What Spring Lake lacks in saltwater spray and seashells it makes up for in family-friendliness, small-town charm and picturesque views. Little touches like slides set up in the water and a floating dock just perfect for jumping into the lake will appeal to young and old alike. A little swim store likely carries anything you may have forgotten, and the facility also has restrooms, outdoor showers, shady picnic tables and kayak rentals.

No trip to the beach is complete without a stop at a clam shack afterward. What makes fried food taste especially good after a day in the sun? We don’t know, but we’re also not arguing.

These are our picks for must-stop places to hit after your best beach day ever.

Bigelow’s New England Fried Clams, Rockville Centre, New York

Although not quite near the beach, Bigelow’s New England Fried Clams is a top-rated clam shack for all of New York. Established in 1939, the place hasn’t changed much — and that’s a good thing. Try either the New England clam chowder or Manhattan style, before following up with a selection from their Famous Fry House menu that includes all the biggest hits.

Champlin’s Seafood Deck, Narragansett, Rhode Island

Just steps off the docks of Point Judith, where all the fishing boats full of that delicious calamari come in, is Champlin’s. The first floor is a seafood market where you can pick out your own lobster. The second floor is the Seafood Deck, where you can have it cooked. Champlin’s serves clam cakes, white, red and clear chowder, and all of the traditional clam shack fare. There’s also a shucked-to-order raw bar and an outdoor bar serving up killer mudslides.

Clam Box of Ipswich, Ipswich, Massachusetts

This North Shore food destination has been lining up crowds since 1935, and for good reason: Clam Box dishes out some of the best seafood in all the Bay State. Choose from clams, scallops, shrimp, haddock, calamari or oysters — and in a nice change from tradition, you can pick onion rings in place of your fries or coleslaw. Smaller “mini meals” are a nice choice, especially if you decide to add a seafood-only box or two for the table.

Costello’s Clam Shack, Noank, Connecticut

While you’ll get clam cakes in Rhode Island, you’ll get clam fritters in Connecticut. And if you order them at Costello’s, you’ll get to eat them right on the docks of the Mystic River and look out at views of Connecticut, New York and Rhode Island at once. This BYOB restaurant is so close to the shore it offers directions by land and by water. The menu is slightly bigger than your average clam shack — it also has items like fish and shrimp tacos and several salads. But, if you don’t get some Noank-style clear chowder and fritters for dipping, you’re missing out.

Keyport Fishery, Keyport, New Jersey

Both a fresh fish market and a takeout eatery, Keyport Fishery takes pride in serving fresh, quality seafood. They’ve got the usuals — crab cakes, calamari, fried fish — but also a few unexpected offerings like oysters, flounder, haddock and soft-shell crab. Everything is made to order, but any wait time would be worth it.

Discounts for Fun in the Sun

Now that your beach days are all plotted out, check out some ways you can turn them into savings with AAA.

Shell Fuel Rewards

Save on your beach trips this summer. AAA members receive Gold status with the Shell Fuel Rewards Program. Sign up for free and save instantly on all your fill-ups.

Hertz

If you need a ride to the beach, Hertz can get you behind the wheel no matter which serene escape you choose. AAA members can save on car rentals, plus get exclusive benefits and additional rewards.

Tickets to Paradise

Take fun in the sun even further with AAA Tickets, your one-stop shop for summer attractions like water parks, concerts, sporting events and more.

Relax and Get Cash Back

Summertime means fun, but it also means lots of spending. Why not get rewarded while you’re at it? With AAA Visa Signature^® credit cards, you get cash back on every purchase with no annual fee. Apply today.

Travel Services

Looking for a not-so-local beach getaway? Our team of travel advisors has you covered. As a member, you can enjoy expert recommendations, exclusive perks and savings when you book.

AAA Insurance

Whether you get to the beach by car or by boat, AAA Insurance offers policies that fit your lifestyle. AAA members save on auto, home, life and more. Get a quote

Save more at AAA.com/Discounts

Weekend Road Trip Getaways

Looking for a quick weekend getaway? The Northeast is full of fascinating museums, natural beauty and quirky destinations. Just hop in the car and head out on one of these road trips.

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Looking for a quick weekend getaway? The Northeast is full of fascinating museums, natural beauty and quirky destinations. Just hop in the car and head out on one of these road trips.

Need a ride? Rent a car.

Historic sites, natural beauty and more.

Massachusetts

Plimoth Patuxet

Plymouth

Turn back the clock to pilgrim times at Plimoth Patuxet, which recreates Plymouth Colony and the home of the indigenous Patuxet people. Here, you can speak with knowledgeable interpreters in full costume, learn the truth about the first Thanksgiving and even climb aboard a replica of a 17th century ship. AAA members can get up to 10% off admission.

Boston Tea Party Ships & Museum

Boston

Live the elementary-school fantasy of dumping tea in the harbor at the Boston Tea Party Ships & Museum. You can learn from live actors, take part in interactive exhibits and explore full-scale replicas of the ships. AAA members can save on admission .

Walden Pond

Concord

The serenity of this famous Massachusetts pond inspired Henry David Thoreau to pen his iconic book “Walden,” an ode to the simplicity of living in nature. Don’t let the name fool you, this pond is more than 60 acres in size.

Concord is the site of the first Revolutionary War conflict on April 19. 1775. Guests can learn about the town’s historical importance with stops at local museums, parks and memorial sites.

Decades after the war, several notable authors called Concord home. This included Thoreau’s friend Ralph Waldo Emerson, whose house is open to the public. Just north of the pond sits Louisa May Alcott’s Orchard House, where she wrote “Little Women.”

New York

American Museum of Natural History

New York City

The American Museum of Natural History is one of the greatest museums in the world, featuring folk art, anthropological recreations, geological wonders, dinosaur fossils, a butterfly vivarium, cultural artifacts and more. If you want to visit, remember that AAA members can save up to 16% on admission.

Central Park

New York City

There’s a reason Central Park is so iconic — there’s not a bad patch in its entire 843 acres. Relax in its wide-open settings like the Sheep Meadow or the Great Lawn or explore the picturesque landmarks like the Bethesda Terrace Arcade, Bow Bridge or Belvedere Castle. The idyllic Central Park Conservatory Garden features formal landscaping and seasonal plantings that sprawl across 6 acres.

Niagara Falls

Niagara Falls

One of the world’s natural wonders, Niagara Falls is a beloved phenomenon sharing borders with the United States and Canada. Visitors can choose to take in the views from multiple observation decks, explore the surrounding parks and attractions or see the falls up close on a boat tour — don’t forget your parka!

Maine

Acadia National Park

Mount Desert Island

Acadia National Park and the whole of Mount Desert Island in northern Maine offer countless opportunities for hiking, kayaking, picnicking and even taking tea by a lakeside. The extreme northern location and limited accessibility by car across the narrow northern isthmus that connects the large island to the mainland make this a challenging day trip from many parts of New England. But if you live in or are visiting Maine, the location is ideal.

Rhode Island

Roger Williams Park

Providence

Named after the founder of Providence, Roger Williams Park’s sprawling 427 acres contain a zoo, a botanical center, a museum of natural history, a planetarium, Japanese and Victorian rose gardens, a boathouse, a carousel village and more. One of the most delightful parts of the park is the Roger Williams Park Zoo, one of the oldest zoos in America. The zoo is home to over 100 animal species, from chickens to cheetahs. You could spend a whole day in this incredible park.

Central Park, New York City

Niagara Falls

Acadia National Park

Sharks, ice cream … bigfoot?

Rhode Island

Living Sharks Museum

Westerly

Dedicated to advancing shark preservation through education, this small museum stakes its claim as being the first shark museum in the United States. It features artifacts from around the world, including an exhibit on the movie “Jaws” in celebration of its 50th anniversary in 2025. Admission is free.

Electromagnetic Pinball Museum and Restoration

Pawtucket

The museum states its mission is “to foster a love and appreciation for history, science technology, engineering, arts and mathematics through interactive pinball exhibits.” Museum programs educate the public about the need to preserve pinball machines and celebrate their contributions to art, history, science and technology. But of course, playing is important as well.

Connecticut

Ballard Institute and Museum of Puppetry

Storrs

This museum houses some 3,000 puppets from around the world and regularly hosts performances, workshops and forums. Connected with the University of Connecticut School of Fine Arts, the Ballard Museum seeks to educate visitors about the history and future of this revered theatrical artform. Admission to the museum is free.

PEZ Vistor Center

Orange

PEZ has been supplying the world with its iconic interactive candy since 1927. The family-friendly company offers tours through the colorful world of PEZ dispensers at its visitor center. Here, you’ll learn about the storied history of PEZ, work your way through interactive games and exhibits and see the world’s largest PEZ dispenser and vintage dispenser museum. Guests can even design their own PEZ dispenser.

Vermont

Ben & Jerry’s Factory

Waterbury

Vermont’s famed Ben & Jerry’s Factory was built in 1985 and produces upward of 350,000 pints per day. The tour starts with a short movie about how founders Ben Cohen and Jerry Greenfield started their ice cream kingdom, followed by a sneak peek at the ice cream-making process and how it gets packaged in those legendary pint containers. Of course, you’ll get a flavor sample to whet your appetite. After the tour, visit the Scoop Shop to satisfy your craving and peruse the Flavor Graveyard of retired flavors.

Maine

International Cryptozoology Museum

Portland

Cryptozoology refers to the study of creatures that might be real, like bigfoot, Mothman or the Loch Ness Monster. If this subject sounds intriguing, you’ll want to head to Portland, home of the International Cryptozoology Museum. Here, you’ll find countless artifacts about mysterious creatures from urban legend, folklore and mythology.

New York

Museum at Bethel Woods

Bethel

This museum is dedicated to the legacy of the Woodstock Music Festival of 1969, which took place on the same property when it was privately owned farmland. Exhibits include a lot of psychedelic artifacts, film clips of the festival and oral histories from those who were there. Bethel Woods continues to host music festivals, of course.

Howe Caverns

Howes Cave

At Howe Caverns, you’ll be amazed by cave formations, underground streams and expansive chambers. A 90-minute guided tour traces the cave’s exhilarating discovery story. Wander through enormous rooms and under super-size boulders on a 1¼ mile walk and quarter-mile boat ride, all while 150 feet below the Earth’s surface. Specialty tours, including a two-hour lantern tour and a two-hour family flashlight tour, help bring to life the thrill of Lester Howe’s discovery of the caves in 1842.

The Big Duck

Flanders

The Big Duck is a Long Island landmark. At 20 feet tall and 30 feet long, it’s about a zillion times bigger than a normal duck, give or take. Originally built in 1931 by farmer Martin Maurer, the duck advertised the eggs and ducks that were for sale within. The Big Duck is so iconic that the word duck is commonly used to describe novelty architecture that resembles the item it’s advertising.

You can’t buy ducks inside the Big Duck anymore, but you can buy souvenirs. The duck is also filled with memorabilia that tracks its journey over the past century. Duck docents within can give you a history of the duck, plus recommendations on what to do nearby.

New Jersey

Lucy the Elephant

Margate

The Big Duck isn’t the region’s only giant animal structure built as a marketing ploy. Just outside Atlantic City you’ll find Lucy the Elephant. This six-story elephant-shaped structure was originally constructed by real estate developer James Lafferty in 1891 to help draw potential customers to his land. Not long after, a hotel was built around Lucy, drawing guests from near and far. In 1976, Lucy the Elephant was designated a National Historic Landmark. Lucy the Elephant is still open for business. Guests can visit, tour and even spend the night.

Electromagnetic Pinball Museum and Restoration

Courtesy of Bethel Woods Center for the Arts

“Lucy the Elephant, Margate City, New Jersey” by Judy Gallagher. Licensed under CC BY 2.0.

The Northeast is dotted with historic lighthouses, which now serve double duty as museums and scenic lookout points.

New Jersey

Barnegat Lighthouse

Barnegat

Located in Barnegat Lighthouse State Park, the Barnegat Lighthouse was constructed in 1859 on the northern tip of Long Beach Island to help maritime pilots avoid the shoals and shifting sandbars along the shoreline. Each year, from Memorial Day through Labor Day, visitors can climb the 217 steps to take in the scenic views from the top of the lighthouse. At the Interpretive Center, visitors can check out the lighthouse’s history and learn about the changing nature of the coastline surrounding the lighthouse.

Rhode Island

Beavertail Lighthouse

Jamestown

Located on the southernmost tip of Jamestown overlooking Narragansett Bay, the Beavertail Lighthouse stands at 64 feet high. Constructed in 1856, the current structure is the third to stand at the site, which was home to the third lighthouse in the colonies.

While the lighthouse museum is open seasonally from May through October, the lighthouse is open for climbing on specific dates, so check the online calendar to see if dates match up with your visit. If they do, you can climb the 49-step spiral staircase and 7-foot ladder to reach the observation catwalk. At the top, you will be rewarded with gorgeous 360-degree views.

Connecticut

The Lighthouse Museum

Stonington

Constructed in 1840, this lighthouse stands sentry at the entrance to Stonington’s harbor. Featuring stonework, ornamental cornices and granite lintels above the doorways and windows, the lighthouse looks a bit different than many lighthouses. Visitors who climb the 29 circular steps and ladder to reach the top will enjoy views of Long Island Sound as well as three states (Connecticut, Rhode Island and New York). Open seasonally from May through December, the site includes the lighthouse and museum, which holds artifacts from Stonington’s maritime and agricultural history, as well as relics that predate the lighthouse and document the city’s earliest history.

New York

Montauk Point Lighthouse

Montauk

The first lighthouse in New York, Montauk Point Lighthouse was built in 1796 to overlook the Block Island Sound and the Atlantic Ocean. Following an addition in 1860, the lighthouse now stands more than 110 feet tall, with 137 iron steps to the top. Today, visitors can tour the museum to learn more about the lighthouse, including the role it played in American maritime history, and climb to the top for a panoramic view.

Massachusetts

Nauset Light

Eastham

Since 1838, maritime pilots have relied on the light shining from the coast of Eastham to help them find their way around the coastline of Cape Cod. The latest structure, Nauset Light, was constructed in 1877. Today, visitors can take a free tour of the lighthouse to learn its history, climb the 48-foot-high tower and visit the lookout room. You’ll find a calendar on the lighthouse’s website with tour dates and times so you can plan your visit.

New York

Oswego West Pierhead Lighthouse

Oswego

The Oswego West Pierhead Lighthouse on Lake Ontario was built in 1934 overlooking Oswego Harbor. Visitors can reach the lighthouse by boat for a tour offered by the H. Lee White Maritime Museum June through September. Take time to explore the museum and see the original fourth-order Fresnel lens.

Rhode Island

Rose Island Lighthouse

Newport

Constructed in 1869, the Rose Island Lighthouse lit up for the first time on Jan. 20, 1870 over Narragansett Bay. It operated until 1970, when it was decommissioned by the U.S. Coast Guard. In 1985, the lighthouse was deeded to the City of Newport, and, through the Rose Island Lighthouse Foundation, was restored and returned to private operation in 1993. Today, visitors can take the Jamestown Newport Ferry to the island from May through October to tour the lighthouse and the Fort Hamilton barracks. You can even stay overnight!

Barnegat Lighthouse

Acadia National Park Lighthouse

Goat Island Lighthouse

Nauset Light

Do small towns, like the ones in Hallmark movies, really exist? In the Northeast, they sure do.

New York

Lake Placid

Perhaps best known for hosting the 1980 Winter Olympic Games, Lake Placid is a hot spot (or should we say, cold spot) for winter sports. This cute village in the Adirondacks offers Alpine and Nordic skiing, snowshoeing, bobsledding, skating, snowboarding, ice climbing and has quick access to Whiteface Mountain.

No snow? No problem! Lake Placid is filled with new mountain bike trails weaving through dense foliage, hiking trails, rock climbing, and kayaking and canoeing on Mirror Lake. After you’ve had your fill of outdoor adventure, go shopping and dining along picturesque Main Street. Grab a mug of hot chocolate and get cozy.

Cooperstown

If you’re a fan of America’s favorite pastime, Cooperstown is definitely one of the best small towns to visit. Billed as “America’s Most Perfect Village,” Cooperstown is home to the National Baseball Hall of Fame & Museum. There, you can experience the storied tradition of baseball in America through exhibits on topics like the history of baseball cards, the evolution of the sport from 1970 to the present day, the bronze plaques honoring those in the Hall of Fame and more.

While you’re in town, visit Doubleday Field, where some say baseball was invented in 1839. Not a baseball person? Check out the Fenimore Art Museum, which features fine art, folk art, photography and more. If you’re staying overnight, head to the Otesaga Hotel , a AAA Four Diamond designated luxurious and historical resort.

Connecticut

Essex

Known colloquially as “the perfect small town,” Essex is surrounded on three sides by the Connecticut River. You can get a great view of the river at the central town dock, which is home to the Connecticut River Museum. A must-do on any visit to Essex is a ride on the Essex Steam Train and Riverboat to experience the beauty of the

Connecticut River Valley. Staying in town overnight? Try sleeping in one of the cozy beds at the Griswold Inn, which first opened its doors in 1776. You can also get a bite to eat and listen to some live music in its lively tap room.

Mystic

This former whaling village has so much to offer, and it’s almost a completely walkable small town. Go back in time at the Mystic Seaport Museum, journey below the waves at the Mystic Aquarium and enjoy the dining and shopping opportunities at Olde Mistick Village. Oh, and don’t forget to grab a slice at the iconic Mystic Pizza.

Rhode Island

Newport

Those looking for an oceanside getaway with a dose of opulence and old-world charm should have Newport on their lists. The historic Newport Mansions show off the finest in American architecture from the Colonial Era to the Gilded Age. Once you finish exploring the homes, take some time to walk the expansive grounds and enjoy the spectacular ocean views. Don’t forget the iconic Cliff Walk along the rugged and beautiful shoreline.

Vermont

Stowe

The hills are alive in Stowe, one of the greatest ski towns in the Northeast and one of the most beautiful small towns in America. This “Ski Capital of the East” is nestled between the Worcester Range and the Green Mountains, including Mount Mansfield, the highest peak in the state. Skiing and snowboarding are the way to play in Stowe, featuring the birthplace of alpine skiing on the trails of Mount Mansfield.

There are many resorts to choose from when you’re planning your Stowe vacation, including Stoweflake Mountain Resort & Spa, Stowe Mountain Resort and the AAA Three Diamond designated von Trapp Family Lodge, founded and run by the actual von Trapp family portrayed in “The Sound of Music.” It’s no surprise that the beautiful Stowe vistas reminded them of their native Austria.

New Jersey

Clinton

The picture-perfect streets of Clinton offer small-town charm in the Garden State. Start your visit by going to the open-air Red Mill Museum Village along the South Branch Raritan River. The museum covers 10 acres and contains 12 historical buildings, including a schoolhouse, log cabin, blacksmith shop and the Red Mill itself. In another historical mill you can find the Hunterdon Art Museum, which has a focus on contemporary art and fine art prints.

Cape May

The seaside resort city of Cape May looks like something out of a storybook, filled with colorful Victorian gingerbread architecture and sun-drenched beaches. While you’re relaxing or walking along the beach, you might even find a Cape May diamond — a clear quartz pebble that has washed down from the Delaware River. Enhance your experience with a whale-watching excursion, a visit to the Historic Cold Spring Village living history museum or a trip to the top of the Cape May Lighthouse. And don’t miss your chance to try the seafood at the Lobster House before you leave.

Maine

Bar Harbor

This family-friendly destination has something for everyone. There’s the beautiful Maine coast for water lovers, where you can enjoy the view, go for a swim, or rent a kayak and create your own personal adventure. You can also head into Acadia National Park where early risers can catch the sun coming up along the rocky shoreline and spend the day exploring the many hiking trails found throughout the park. After a busy day, take some time to wander downtown and see the shops, from art galleries to specialty food and clothing stores. And don’t forget the lobster!

Massachusetts

Martha’s Vineyard

A trip to Martha’s Vineyard starts with a ferry ride to the island, and yes, you can bring your car along. Once there, get ready for winding country roads and incredible views around every corner. The streets are full of unique shops featuring art, clothes and all manner of souvenirs. Rent a bike to explore the island or catch a show at Martha’s Vineyard Playhouse. This is the place to see and be seen, so keep your eyes open for celebrities.

Provincetown

Affectionately known as P-town, Provincetown has a long and storied history, from its roots as an artists’ colony to its popularity as an LGBTQ vacation destination.

Small-town New England streets combine with a Bohemian streak of creative energy to create one of the most unique towns in the Northeast. Visitors love the beaches, of course, but you should also check out some of the local attractions, like the nationally recognized Provincetown Art Association and Museum, Pilgrim Monument, the Province Lands Bike Trail and more. Can’t decide what to do? There’s no better way to spend a day in P-town than strolling along the busy and colorful Commercial Street.

Stockbridge

If you’ve ever wanted to step straight into a Norman Rockwell painting, head to Stockbridge, the inspiration for Rockwell’s “Stockbridge Main Street at Christmas.” It has to be one of the coziest small towns in America if it has his stamp of approval. Art lovers can enjoy the Norman Rockwell Museum here as well as the town’s various historical buildings, the Tanglewood Music Center and the Berkshire Theatre Festival. You can even stay the night at the Red Lion Inn — from the painting!

New York

Essex, Connecticut

Mystic, Connecticut

Martha’s Vineyard

From mountaintops to shorelines, here are some of the most scenic locations in the Northeast.

New Hampshire

White Mountains

The White Mountains cover roughly one quarter of the state of New Hampshire. The region is home to the White Mountain National Forest as well as several state parks.

The mountain range contains numerous hiking trails that can lead to waterfalls and scenic outlooks, or all the way to the top. Although these are some of the most rugged mountains in the Northeast, the view from the top is worth the effort.

If you enjoy staying grounded, take a drive along the Kancamagus Highway. This 34-mile stretch of road carves through the mountains, running alongside several rivers.

New York

Letchworth State Park

Any place known as the “Grand Canyon of the East” certainly has some big shoes to fill. But Letchworth State Park , in western New York, lives up to the billing.

Instead of the Colorado River, it’s the Genesee River that carves through the gorge, traveling over three major waterfalls and reaching heights of 600 feet. The park has more than 60 miles of hiking trails, ensuring you’ll be able to find the perfect lookout spot to witness the bucolic sights.

Connecticut

Heublein Tower

Heublein Tower sits atop Talcott Mountain in Simsbury, Connecticut. The 165-foot structure was built in 1914 and originally served as a summer home for a prominent local family.

Today it’s known for providing some of the best views of the Nutmeg State and beyond. Perched atop the 1,000-foot-tall mountain, visitors to Heublein Tower are provided with panoramic views of the Farmington River Valley, Long Island Sound and the Berkshires. You may even catch a glimpse of Mount Monadnock, 80 miles away in New Hampshire.

Massachusetts

The Aquinnah Cliffs

Beyond the gingerbread-style homes and the postcard-esque downtowns lies an even finer sight on Martha’s Vineyard: the Aquinnah Cliffs. This natural wonder, carved by glaciers millions of years ago, rises up from the beach on the island’s southwestern tip.

Visitors can walk along the beach below to get an up-close view of the clay cliffs, which are unlike any type of formation you’ll likely see on a New England beach. Guests can also take the upper trails to catch a glimpse of the Gay Head Light and nearby Elizabeth Islands.

The Berkshires

The Berkshires, a region of mountains and forests in western Massachusetts, has long been known as one of the most scenic locations in the Northeast. It’s at its best once the temperatures drop, becoming a premier destination for fall foliage. Your best bet for picturesque views is taking a drive along the Mohawk Trail. The road, now a designated scenic tourist route, carves through the Berkshire mountains for more than 60 miles.

Maine

Cadillac Mountain

No list of top scenic locations in the Northeast is complete without Cadillac Mountain, a top attraction within Acadia National Park — and for good reason. For several months of the year, visitors who trek to the top early enough can be the first to witness the sunrise in the United States.

Even if you miss the morning light, a trip to the top of Cadillac Mountain is a worthy sightseeing expedition. At 1,500 feet, it’s the highest peak on the Eastern Seaboard. Visitors can experience an unparalleled 360-degree view of Maine’s coast along with lush greenery and the vast Atlantic Ocean.

New York/Vermont

Lake Champlain

Vermont may be a landlocked state, but one look at Lake Champlain will have you forgetting all about the ocean. With nearly 600 miles of shoreline and 71 islands, there’s more than enough territory to explore and take in the sights. There are three bridges crossing the lake, connecting Vermont to New York, creating the perfect opportunity for a picturesque drive.

The surrounding region is just as eye-catching. Endless trees cover the hillsides and the nearby Adirondacks tower to the west. There are also miles of trails perfect for a short hike. Visitors who make it to the end are gifted with spectacular vistas as far as the eye can see.

White Mountains

Letchworth State Park

The Aquinnah Cliffs

The Berkshires

Lake Champlain

Have a little more time to explore? These destinations are outside the Northeast, but they’re perfect for a road trip or a long weekend away. Too far away for a road trip? You can fly, then drive when you reach your destination!

Rent a car.

The Heart of South Carolina

Many people flock to the beaches on the South Carolina coast, but there’s plenty to experience and discover in the heart of the state as well. Start in Columbia, head to the Old 96 District and wrap up your journey in Spartanburg. Along the way, you’ll find history, art, outdoor recreation and much more.

Kentucky Horse Country

Well-known for horse racing and the Kentucky Derby, a road trip through Kentucky, from Shelbyville to Frankfort to Lexington, is the perfect way to immerse yourself in the state’s beautiful countryside and equine attractions.

The Civil Rights Trail

The Civil Rights Movement was one of the most transformative times in American history. It would be impossible to summarize its significance in a single museum, or honor its participants’ efforts with a sole monument. Fortunately, there is the U.S. Civil Rights Trail to do just that.

Created in 2018, the trail guides visitors to more than 100 locations across 14 states. It was created through the combined efforts of several official state tourism agencies. Joining all these locations into a single trail helps highlight the breadth and significance of the Civil Rights Movement.

National Parks

There are 63 national parks in the United States to choose from, and so much to do once you get there. A travel advisor shares insights on what to see, where to stay and how to keep kids entertained on your next national park trip.

Historic Virginia

In historic Virginia, inspired travelers can visit important sites from both the Revolutionary and Civil wars and learn about the everyday struggles of the people who lived through them. These historical sites, fun attractions and hotels will help make memories that last a lifetime.

Where to Stay

Book and save at these AAA-recommended hotels throughout the Northeast.

Contact a AAA travel advisor to plan your next vacation.

Resources and Discounts

Insurance 101: Auto & Home

At first glance, the basics of insurance may not seem so basic. But AAA is here to help.

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At first glance, the basics of insurance may not seem so basic. But AAA is here to help.

No matter what type of insurance you’re looking for — auto, homeowners or even specialty coverage for pets or jewelry —there’s a lot to understand

Although it may feel intimidating to start the process, having insurance is an important, and often necessary, way to give yourself and your loved ones peace of mind. We promise, it’s not as confusing as it seems. Let’s start from the beginning.

If you still have more questions, AAA insurance agents are available to help.

Insurance Glossary

You don’t need to be a lawyer to make sense of your insurance policy. This guide for decoding insurance jargon will get you started.

General Insurance Words and Phrases	Auto Insurance Terms	Homeowners Insurance Terms
Conditions	Collision Coverage	Flood
Deductible	Comprehensive Coverage	Hazard
Endorsement	Occasional Driver	Renters Insurance
Exclusions	Personal Injury Protection (PIP)
Liability Coverage	Total Loss
Limit
Named Perils
Premium
Quote
Standard Risk
Term
Umbrella Policy

General Words and Phrases

Conditions: The rules, obligations or requirements that both the insurer and policyholder must follow for the insurance coverage to remain valid. These can include things like timely premium payments and providing accurate information at the time of application.

Deductible: The portion of the loss you pay before your policy kicks in.

Endorsement: An addition to the insurance policy that adds to or changes the terms. Also called a rider.

Exclusions: Specific conditions, situations or risks that are not covered by an insurance company.

Liability Coverage: The part of your policy that will pay out if you’re found responsible for someone else’s injuries. Two components of liability coverage are bodily injury liability vs. property damage liability. If an accident causes physical injuries or damage to another person’s vehicle or property, this insurance will help cover medical costs, lost income, and property repair or replacement.

Limit: Each auto policy sets a limit for the maximum amount your insurance company will pay for a specific claim. Policies with higher limits will be more expensive but offer more protection in the event you are involved in a costly accident.

Named Perils: Hazards specifically named in a policy.

Premium: The amount of money a policyholder pays to an insurance company in exchange for coverage.

Quote: An estimate of what your premium would be with a given insurance provider.

Standard Risk: Someone who is insurable at standard insurance rates. High- or low-risk policyholders may pay higher or lower rates based on such risk.

Term: The period when an insurance policy is in effect.

Umbrella Policy: Excess liability insurance that can cover losses not provided by other insurance policies.

Auto Insurance Terms

Collision Coverage: Collision coverage kicks in when your car is damaged or totaled from contact with another vehicle or a nonmoving object such as a fence, streetlight or tree.

Comprehensive Coverage: Comprehensive auto insurance covers damage caused by storms, floods, fires and other natural causes, including contact with wildlife. It also covers costs if your car is vandalized or stolen.

Occasional Driver: An individual who is not the main driver of the vehicle.

Personal Injury Protection (PIP) or No-Fault Coverage: Some states have no-fault insurance, which means that insured drivers can have costs covered by their own insurance company regardless of who may have caused an accident. These states require PIP coverage, which pays the medical expenses, lost wages and other damages incurred by an insured driver, passengers and others who may have been injured.

Total Loss: A situation where the cost to repair a damaged vehicle exceeds its actual cash value; or the vehicle is deemed to be beyond economical repair.

Homeowners Insurance Terms

Flood: Not typically included in a homeowners policy, this extra coverage protects your property from floods.

Hazard: A circumstance that increases the likelihood of loss.

Renters Insurance: An insurance policy that protects a renter and their belongings.

Actual Cash Value vs. Replacement Cost

The main distinction between actual cash value and replacement cost is depreciation: The decrease in value of an item due to factors such as age, obsolescence and wear and tear.

An actual cash value policy pays the amount needed to replace a lost or damaged item, minus depreciation.

Replacement cost provides the sum needed to replace a damaged item with one of similar kind and quality, without deducting depreciation.

It is not always clear whether a policy pays actual cash value or replacement cost. If you have any questions or doubts, review the policy with your agent, who can help you better understand how you are covered.

Think of It This Way…

When you make a claim, your insurance company determines your settlement or the compensation you will receive based on the type of policy you have. The Insurance Information Institute gives the example of a tree falling through your roof and onto your 8-year-old washing machine.

If the tree also damaged your 15-year-old roof so badly that it needs to be replaced, a replacement cost policy would pay the full cost of installing the new roof, while an actual cash value policy would only pay a percentage.

There’s No One-Size-Fits-All Type of Plan

Because insurance coverage is based on personal needs, coverage can vary from customer to customer.

Your insurance agent’s priority is helping manage everyday risk by offering tailored solutions.

Ask as Many Questions as You Want

Insurance policies have a lot of components, and you are not expected to know them all. If your insurance agent or policy uses an unfamiliar term, don’t be afraid to ask what it means. If you want to know why your policy is set up in a certain way, ask. A good insurance agent will answer your questions.

Details Are Essential for Accuracy

Insurance agents ask a lot of questions about your personal life because it helps them determine what kind of protection you need to adequately insure your family and property.

Keep Your Agent Updated When Circumstances Change

A change in your life means a change in the kind of coverage you need to adequately protect your most expensive belongings. Talk to your insurance agent at least once a year to see if any of your insurance policies need to be updated.

Hit the road with confidence knowing how your coverage works, inside and out.

Learn more about AAA auto insurance

Hit the road with confidence knowing how your coverage works, inside and out.

Learn more about AAA auto insurance

How To File a Claim After a Crash

✔ Make sure that you and everyone in your vehicle is safe.

✔ Contact the police.

✔ Document the accident with video and photos, including license plates and visible injuries.

✔ Gather information from all parties involved (name, phone number, insurance details, etc.)

✔ Contact your insurance provider.

✔ Clarify coverage and deductibles with your agent.

✔ Submit a formal claim with your insurance using their instructions.

✔ Track your claim investigation and follow up when necessary.

What If the Other Driver Is Uninsured?

One in three drivers are either uninsured or underinsured, according to the Insurance Research Council. And, if you’re hit by a driver with no insurance — or worse, you’re the victim of a hit-and-run crash — you get stuck with the bill for vehicle damage, medical expenses, lost time at work and a host of unexpected, accident-related expenses.

This can also happen when an at-fault driver is underinsured. Underinsured motorist coverage offers protection when an at-fault driver doesn’t have enough insurance. It is sometimes bundled with uninsured motorist coverage — this varies by state.

Some states require that all drivers purchase uninsured motorist insurance. These states include:

Connecticut
Massachusetts
Maine
Vermont
New York
Maryland

In other states, such as Delaware, it is automatically included in drivers’ insurance policies, and dropping it requires that drivers reject the coverage in writing.

There are two types of uninsured and underinsured insurance: bodily injury and property damage.

Uninsured motorist property damage coverage pays for damage to your vehicle if it is damaged by a driver without liability coverage. Underinsured motorist coverage also protects against bodily injury and property damage.

In some states, uninsured property damage insurance can overlap with collision coverage, which pays for damage to your car from an impact with an object or another vehicle. Typically, uninsured motorist bodily injury coverage does not come with a deductible. However, a deductible may accompany your uninsured motorist property damage coverage. This varies by state.

Drivers are required to have personal injury protection, coverage in no-fault states such as Massachusetts, Pennsylvania, New Jersey and New York, where insurers cover certain accident costs, within limits, regardless of who is at fault. For this reason, personal injury protection is often referred to as no-fault insurance.

Medical payments coverage, or MedPay, covers medical bills for you and your passengers. Regardless of who is at fault, MedPay works quickly to pay medical costs, and may even cover the cost of your health insurance or personal injury protection deductible. MedPay is optional in every state except Maine and New Hampshire, where it is required when drivers buy car insurance.

Car Insurance Myths

A red car is more expensive to insure.

False. Vehicle color is not a factor in determining risk.

A ticket will increase your insurance rates.

True and false. If you park illegally at a shopping mall, your insurance rate will not increase. If, however, you are guilty of reckless driving, driving under the influence, driving with a suspended license or another major violation, you can expect to see an increase.

When I loan someone my car, I’m not responsible for a crash.

False. When you loan someone your car, you are assuming the risk that they could get in an accident. If one occurs, your insurance will be the primary policy liable for costs.

Everything in my car is covered by my policy.

True and false. While your auto insurance policy is designed to cover items such as car electronics, it isn’t necessarily intended to cover all your belongings. Your policy will specify what is covered.

How to Lower Your Auto Insurance Premium

Auto insurance premiums can increase for a variety of reasons. From current events like inflation to personal details like how you drive, where you live and your age, you might not always be able to prevent your rate from increasing. But there are many ways to make sure you’re getting the most for your money.

Drive safe. Avoiding accidents and speeding tickets is the most important part of averting an auto insurance premium increase. Motorists with tickets and crashes on their records are higher risks for insurance companies, and their premiums reflect that. In some states, taking a defensive driving course (like the AAA Defensive Driving Course) can earn you an insurance discount. Even if you don’t get a discount, the tips you learn can help keep you safe behind the wheel, which is a big part of managing insurance costs.

Bundle up. Getting auto, renters and homeowners insurance through the same company is a recipe for savings. Most companies give discounts to customers who bundle coverage.

Look at your deductibles. Many drivers who increase their deductibles see a drop in premiums because they’re limiting the costs their insurance companies will face following an accident.

Look at your vehicles. The cost of repairing a vehicle after a crash factors into insurance premiums. It’s why a high-end sports car is likely going to be more expensive to insure than your everyday sedan.

Good grades. Adding a teen driver to your policy can be expensive, but many companies provide discounts to young drivers who are doing well in school. Your child must be a full-time high school or college student and maintain at least a B (3.0) average or equivalent.

Use your garage. Some companies offer discounts to drivers who keep their vehicles in a garage when not in use.

Pay at once. Paying for your policy in one payment vs. installments may get you a discount. Some companies also provide discounts to drivers who have monthly payments automatically deducted from their bank accounts.

Maintain good credit. In most states (excluding Massachusetts, California and Hawaii), having mediocre or poor credit can impact your premium.

Talk to your agent. Many drivers only talk with their insurance agents when they’re looking for a policy quote or after an accident, but regular communication with your agent can help make sure your insurance costs aren’t higher than necessary.

What to Consider When Adding a Teen to Your Policy

The best time to start researching auto insurance for teens is when they are ready for a learner’s permit. While teens generally are covered on your policy during this time, you should notify your insurer that you have a learning driver in the household and will soon need to set up coverage.

Collision Coverage

In the event your teen’s car needs repair or replacement after an accident, this is the type of insurance that will protect you. It covers the cost of repairs even where there is a total loss of the vehicle. Despite their best efforts, teens are still learning and more prone to bumps and crashes.

Save Money on Premiums by Adding a Teen Driver to Your Policy

Once you have researched options, you can save money by reviewing your own coverage and adding your child to that policy.

They Can Help Cover the Cost

With a limited driving record, increased risk of accidents and little to no credit history, teens are at a distinct disadvantage when securing their own insurance — but this doesn’t mean they shouldn’t assume some financial responsibility. Parents who opt not to cover the cost of insurance often set up their own informal payment plan.

Assign Your Teen Driver to a Specific Car

Insurers use multiple factors to determine premiums, such as the age of the vehicle, safety ratings and the susceptibility to being stolen or driven dangerously. Often it is possible to save on costs by specifying the car to which a teen driver is assigned. This prevents your carrier from associating a new driver with the most expensive car on your policy.

What to Do When Your Teen Has a Separate Policy

A shared plan is generally the least expensive way to insure a teen driver, but in some instances, parents may not want to add a teen driver to their policy. Help your teen research all discounts available and provide guidance throughout the process.

Once they have a separate policy, you may want to exclude them from yours. With most insurance policies, anyone who has permission to drive your car, including members of your immediate household, is considered insured under your policy. If your carrier allows you to specify excluded drivers and your teen’s name is on the title of his or her car, it may help you save money.

“Call your insurance agent to let them know you have a new driver to add to your policy. Be sure to ask about some of the discounts your teen driver may be entitled to, like driver training and good student discounts.”

John Donovan, AAA Northeast insurance sales manager

Auto Insurance Quote

Fill out the form below to receive a quote for auto insurance.

Your home is your haven. Make sure it’s properly protected from basement to roof.

Learn more about AAA home insurance

Your home is your haven. Make sure it’s properly protected from basement to roof.

Learn more about AAA home insurance

Which parts of your home need insuring?

Wind damage insurance claims are an unfortunate reality for many homeowners, but understanding how to prepare and handle them can help ease your worry.

Standard homeowners insurance policies provide coverage for damage caused by wind, snow and ice to property and personal possessions, according to the Insurance Information Institute. But the extent of coverage may vary depending on the specific terms and conditions outlined in your policy. It’s important to review your insurance policy carefully to understand the scope of coverage for wind-related hazards.

In the event that a hurricane damages your home, you’ll be responsible for around 1% to 5% of the insured value before your coverage starts. As explained by the institute, “If a house is insured for $300,000 and has a 5% deductible, the first $15,000 of a claim must be paid out of the policyholder’s pocket.”

Based on where you live, some insurance companies may offer hurricane deductibles stated as higher dollar amounts or possibly no separate hurricane deductible at all. In both cases, this will be reflected in the premium that’s being charged. You can ask your agent what options are available to you.

Does home insurance cover mold?

“The answer is generally no,” said Patrick Sullivan, managing director of insurance sales at AAA Northeast. “Unless it is the result of what we call a covered peril.”

For most homeowners insurance policies, financial protection is given only for damages stemming from sudden and accidental causes. These commonly include fire, hail, lightning and more. Mold doesn’t fall into this category. No one is suddenly struck by mold — even if it’s been growing in secret.

There are, however, specific circumstances under which mold might be covered. If the mold is caused by an event that is listed on your policy, your home insurance may cover its removal. If mold is caused by gradual seepage, neglect or general humidity, it usually is not covered.

Standard homeowners and renters insurance covers belongings from fire and other perils named in a policy, but there are limits to how much money a policyholder can collect on a single piece of jewelry that has been stolen. In most policies, the “limit of lability” on jewelry is in the ballpark of $1,500, well short of the average $5,000 spent on an engagement ring.

Buyers looking for engagement ring insurance or coverage on other valuable assets that exceeds the liability limit in their policy have two options, according to the Insurance Information Institute. You can either ask your insurance agent to increase your liability limit or have them schedule an individual piece of jewelry into your coverage by purchasing what’s called a floater policy.

In the event of a pet emergency, vet bills can be upward of thousands of dollars depending on the severity of the health issue. And some clinics are unable to provide treatment without proof of ability to pay first. Pet insurance can help mitigate emergency vet costs by covering a significant portion of the expenses, depending on your policy. Knowing you have that support can keep you focused on what truly matters in the moment: your pet’s well-being and recovery.

Homeowners insurance does not cover flood damage. If you don’t live in a Special Flood Hazard Area, defined by the Federal Emergency Management Agency (FEMA) as having a 1% or greater chance of flooding in any given year, you’re not federally required to have flood insurance. However, your mortgage lender may still require you to have it. And, according to The Federal Emergency Management Agency, more than 40% of flood claims come from properties outside high-risk flood zones. So, though you may not technically need to have flood insurance, it’s still recommended as floods can happen anywhere.

Renting? Here’s what renters insurance covers.

If a guest in your rental gets injured.
Stolen or damaged personal items.
If your rental has become damaged and unlivable, additional living expenses are usually covered.

Since defects could impact your insurance coverage, make sure all bases are covered by getting a professional home inspection and following this checklist.

✔ Walls and ceilings

Be aware of cracks, holes, chips, wavy and uneven surfaces, missing plaster, fungus, water marks, lumps, bubbles, flaky paint, protruding nails, pipes and loose wiring.

✔ Doors and windows

Check for damage such as missing screws or rust and gaps between door and window frames. Make sure doors and windows open and close easily and look for potential water damage due to improper installation.

✔ Floor and tiles

Are there missing, cracked or chipped tiles? Tiles should not be slanted and there should be no gaps in the baseboards.

✔ Fixtures

Ensure all sinks and showers have fixtures. Confirm everything works and nothing is missing.

✔ Pipes and plumbing

Check exposed pipes for leaks and be on the lookout for water stains on ceilings, which can signal a leak behind a wall. Low water pressure can also be a sign of faulty plumbing.

✔ Electric and wiring

Look for wires without wire nuts and open junction boxes.

✔ Drainage

Check for soggy areas in the yard and leaks in the basement, which can signal drainage issues.

✔ Roof and gutters

Look for worn shingles and overgrown trees and landscaping that is encroaching on the roof or overhanging the structure. Basement dampness can be a sign of clogged gutters.

✔ Foundation

Keep an eye out for small cracks, sticking doors and windows, which can suggest foundation flaws.

Did you know?

“Insurance carriers reward customers who are proactive in taking steps to protect their home. Having a monitored home security system, water shut-off devices or windstorm mitigation features, for example, can get you a discount on your policy.”

John Donovan, AAA Northeast insurance sales manager

Smoke Alarms

There are two common types of smoke alarms. Generally, ionization smoke alarms are more responsive to “flaming fires,” while photoelectric are more responsive to “smoldering fires,” according to the National Fire Protection Association. Using a combination of both is highly recommended, although the type and number of smoke alarms required in homes is set by local law.

Carbon Monoxide Detectors

Carbon monoxide is a poisonous gas sometimes referred to as the “silent killer.” Unlike fire, with its flames, heat and smoky smell, CO is dangerous because it is invisible, odorless and tasteless.

Flood Sensors

Flood sensors can detect unusual levels of moisture, helping to protect your home from potential water damage. Not only is water damage costly — flooding ruins carpet, furniture, electronics, etc. — it can also lead to mold.

Motion Detectors

Motion sensors are an important part of protecting your loved ones, home and valuables. Today’s security systems are capable of monitoring in real time who’s ringing the doorbell, entering your home or even going into a specific room. Some systems even send notifications straight to your phone.

Get to Know the Key Perks of Bundling Your Coverage

When it comes to managing your insurance needs, there are many reasons why bundling your insurance policies can be beneficial — from lower payments to a streamlined claims process. Here’s a look at all the ways bundling home and auto insurance can make things a little simpler.

Cost Go Down, Savings Go Up

One of the most compelling reasons for bundling home and auto insurance is the potential for cost savings. Insurance companies often provide substantial discounts to folks who purchase multiple policies from them, and this discount can lead to significant savings over time.

Managing Policies, Made Simple

Handling and keeping track of multiple insurance policies sometimes feels like a juggling act and can be rather time-consuming. Bundling your auto and homeowners insurance simplifies the process by consolidating your coverage under a single provider. This can make it easier to keep track of payments, yearly renewals and policy updates. Instead of dealing with separate companies, you have a single point of contact for all your insurance needs — streamlining communication and any administrative tasks on your end.

Improved Coverage Options

When you bundle your auto and home policies, you may gain access to enhanced coverage benefits that aren’t available with stand-alone policies. These additional perks can include higher liability limits, identity theft protection and increased coverage for certain types of claims. Bundling can also make you eligible for special programs or rewards offered by the insurer, like the ability to purchase an umbrella policy. This kind of policy provides coverage if the damage exceeds the liability limits on your auto and homeowners policies.

Easier Claims Process

In the event of a claim, having both auto and homeowners insurance with the same provider can lead to a more efficient process as coordination becomes more straightforward. This alone reduces the likelihood of disputes and delays that can occur when policies are with separate entities. If the claim involves both your vehicle and home, like in the case of a natural disaster, such a direct line of communication is not only advantageous, but eases the burden on you to facilitate.

As always, it’s a good idea to compare offers from different insurers to allow for the best value and coverage for your specific needs.

Insurance isn’t intended to be a one-time consideration. It’s a living, breathing contract that should ebb and flow over the course of your life. Insurance provides protection for worst-case scenarios that, in the best of circumstances, you never need to face at all.

“When life changes, your insurance may need to as well. Has someone in your household been recently licensed? Have you made significant renovations to your home? Contact your agent to review your policies to make sure you are still being covered properly.”

John Donovan, AAA Northeast insurance sales manager

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AAA Insurance Resources and More

Top 6 Travel Destinations

Explore the most popular vacations booked by AAA Northeast members.

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AAA members love to travel, and recent booking data shows where they’ve been heading most.

From Europe’s historic landmarks to the tropical shores of the Caribbean and family fun right here in the U.S., vacationers are prioritizing places where culture, adventure, multigenerational appeal and great value converge.

Join us as we explore must-see attractions, hidden gems and stays for every budget at each destination. When you’re ready, reach out to a AAA travel advisor to start planning your next trip. As a member, you can enjoy expert recommendations, exclusive perks and savings when you book.

BOOK ARUBA NOW

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Aruba is a desert island – a fact that quickly becomes clear once you venture beyond the hotel districts. The island’s sparsely populated east side is dotted with cactus, its rugged coastline fringed with cliffs frequently pounded by strong surf. Arikok, which covers about one-fifth of the island, attracts hikers with its high hills and cool caves. The national park also has a pair of undeveloped beaches and a natural pool sheltered from the wind and waves by rocks.

One of the island’s most photographed sites, savvy visitors head to the California Lighthouse in the evening to catch the great light and take in a sunset dinner at nearby Faro Blanco – an elegant Italian restaurant with a formal terrace overlooking the Caribbean Sea.

Aruba’s culinary diversity is reflected in top restaurants like Papiamento, named for the island’s local language, which serves upscale food in a historic Aruban country-style home known as a cunucu house. For other styles of cuisine, there’s French delicacies at Bohemian and Peruvian dishes at Lima Bistro. At Flying Fishbone, guests dine on fresh seafood on the beach.

Aruba’s resort area is concentrated on two beautiful beaches. Palm Beach is primarily home to larger, high-rise hotels and the hub for Aruba’s water sports and activities. The low-rise Eagle Beach is fringed by a lively boulevard lined with restaurants, shops and nightclubs. It’s not uncommon for vacationers to go hotel hopping, seeing what each has to offer.

Those who have been on an Aruba cruise might be familiar with the downtown trolley in the capital city of Oranjestad. The hop-on, hop-off streetcar leads from the cruise port to the shopping district, including a smattering of interesting museums and the distillery, Pepe Margo, where visitors can sample and purchase locally made spirits in a traditional Aruban home.

“Aruba is an extremely safe island, which appeals to a lot of people. It’s OK to walk around at night. It’s got great all-inclusive resorts, and it’s also an excellent place to stay at a non-all-inclusive hotel because there are so many restaurants to choose from.”

Jennifer MacPherson, AAA travel advisor

WHERE TO STAY

Holiday Inn Resort Aruba

Located in Palm Beach, this is a versatile and convenient choice for families. Featuring a long stretch of beachfront property, three pools, a spa, casino, nearby shopping and more, there is something for everyone in your crew. All-inclusive packages are also available to sweeten the deal.

Divi Resorts

Divi offers a collection of laid-back properties in Aruba, including beachfront accommodations at AAA Three Diamond designated Divi Aruba Phoenix Beach Resort and alongside the links at Divi Village Golf & Beach Resort. Both have full-service spas, several pools and a selection of onsite restaurants. For added convenience, all-inclusive options are available at select hotels.

Hyatt Regency Aruba Resort Spa & Casino

One of the many hotels dotting Eagle Beach, the AAA Four Diamond desginated Hyatt Regency Aruba stands out for its relaxing, upscale vibe. With two restaurants, two pools and a spa, you have everything you need for a proper Caribbean reset right on the property, but it’s also close to water sports and activities.

BOOK DOMINICAN REPUBLIC NOW

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Explore the artisan workshops and archaeological museum of this recreated 16th-century Mediterranean village perched above the Chavon River. Don’t miss the 5,000-seat Grecian-style amphitheater, which hosts international performers.

Step back in time at the oldest European settlement in the Americas. The UNESCO World Heritage Site features cobblestone streets, colonial architecture and historic landmarks like the Alcazar de Colon – a fortified palace built in the early 16^th century, and the Catedral Primada de America, a 500-year-old Gothic-style place of worship.

Take a catamaran or speedboat to this idyllic oasis off the southeastern coast, part of National Park of the East, to discover powdery sand beaches, turquoise waters and natural pools teeming with starfish.

Adventure seekers love this series of 27 cascading waterfalls in Puerto Plata. Follow an experienced guide to hike, climb and jump your way to the falls, as you encounter natural waterslides and pools along the way.

From mid-January to mid-March, witness the spectacular sight of thousands of humpback whales in their natural breeding grounds. Take a boat tour to observe these majestic creatures up close as they breach and sing.

^{Fun Fact}
Dominican Republic is where you can find the Caribbean’s highest peak, Pico Duarte, standing at 10,164 feet above sea level. Hiking to its summit takes two to three days.

WHERE TO STAY

Margaritaville Island Reserve Cap Cana

Although it’s located in Punta Cana’s exclusive Cap Cana community, Margaritaville maintains a laid-back, beachy vibe, offering personalized service without feeling pretentious. Kick back on the world-renowned Juanillo Beach or poolside with live entertainment all day. The resort has its own entertainment village featuring a diverse variety of restaurants, bars and nightlife options.

Sanctuary Cap Cana, a Luxury Collection

Recently modernized, this adults-only, all-inclusive resort boasts spectacular suites and artfully designed lobbies, restaurants and bars, not to mention a first-class spa and fitness center. Guests at this AAA Four Diamond property enjoy easy access to beautiful beaches, water activities and one of the world’s top marinas, as well as close proximity to Punta Espada Golf Club.

Eden Roc Cap Cana

Treat yourself at the AAA Four Diamond Eden Roc. Luxurious amenities include guest rooms with private pools, spa tubs and beachfront patios, a full-service spa, gourmet on-site dining options and private beach.

BOOK IRELAND NOW

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These magnificent sea cliffs in County Clare stretch nearly 5 miles along the west coast. Rising to about 702 feet, they offer breathtaking views of the Aran Islands and Galway Bay. Visit the interpretive center to find out more about the cliffs’ geology and wildlife.

^{Did You Know?}
The Cliffs of Moher have starred in several famous films, including “Harry Potter and the Half-Blood Prince” and “The Princess Bride.” In the latter, the cliffs served as the backdrop for the Cliffs of Insanity.

This medieval stronghold near Cork is famous for the Blarney Stone, accessed from its rooftop, about 100 steps up. Legend has it that the stone, which is part of an exterior castle wall, will bestow the gift of gab on those who kiss it (while lying on your back and leaning backward holding a rail). Explore the castle’s towers, dungeons and beautiful gardens.

Discover the history of Ireland’s most famous export at this seven-story experience in Dublin. Learn about the brewing process and how to pour the perfect pint, then head up to the top floor for a panoramic city view and toast with a complimentary drink. Cheers!

This 587-mile circular route in County Kerry showcases some of Ireland’s most spectacular landscapes. Drive past pristine beaches, medieval ruins and charming villages, with highlights including Killarney National Park and Skellig Michael.

Apply for an International Driving Permit

Visit Ireland’s oldest university, founded in 1592 in Dublin. The campus houses the magnificent Old Library and the Book of Kells, an illuminated religious manuscript from the 9th century widely regarded as Ireland’s greatest cultural treasure.

“My favorite time of year to visit Ireland is in the spring, when you’ll run into fewer crowds and mild weather perfect for outdoor activities, such as golfing or trying your hand at the national sport, hurling. Prices are less in the shoulder season as well, making it a great time to book a stay in a castle.”

Wendy Marley, AAA travel advisor

WHERE TO STAY

Midleton Park Hotel

Nestled in East Cork’s vibrant market town of Midleton, this recently refurbished hotel is just a 15-minute drive from Cork City and about 20 minutes from Cork Airport. It serves as an excellent home base for your adventures in and around southeastern Ireland.

Powerscourt Hotel, Autograph Collection

Set on a scenic and historic estate, the Powerscourt Hotel puts you in the center of Ireland’s emerald landscape, featuring on-site gardens, two golf courses and a spa. Located just 30 minutes from Dublin City center, 35 minutes from Dublin Airport and offering complimentary shuttle service to local attractions, getting around couldn’t be easier. For traditional Irish fare, dining is available at Sika restaurant, and afternoon tea is a tradition at the Sugar Loaf Lounge.

The Westbury Hotel

The Westbury is a member of the Leading Hotels of the World and was voted best hotel in Ireland by Conde Nast Traveler readers in 2023. Here, in the center of Dublin, guests are surrounded by sophistication and style, complemented by warm and genuine service. Enjoy afternoon tea, craft cocktails and fine dining at the on-site restaurants and bars.

BOOK ITALY NOW

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The Amalfi Coast is a dream come true with its sheer cliffs, azure waters and rugged shoreline. Picturesque towns like Positano, Amalfi and Ravello line the coast, luring visitors with exquisite seaside views and gorgeous beaches. Sample fresh seafood and local specialties, like limoncello, a popular lemon liqueur. Outdoor enthusiasts are drawn to the region for scenic hiking trails, including the breathtaking Path of the Gods, a mountain trail that hugs the coastline.

Milan’s iconic Gothic cathedral is a must-see marvel. Flying buttresses, soaring spires and exquisite terraces, along with more than 3,400 statues and 135 gargoyles, make this a feast for the eyes. Known as the Duomo, it is Italy’s largest church, even grander that St. Peter’s Basilica in Vatican City. Head to the rooftop to soak in breathtaking panoramas of Milan and the Italian Alps. The museum next door offers a fascinating dive into the cathedral’s construction and history.

This ancient amphitheater, completed nearly 2,000 years ago, once dazzled over 80,000 spectators. Thrilling gladiator matches entertained Roman citizens for more than 300 years. A series of earthquakes damaged the Colosseum to its core, but it was partially restored in the 1990s. Today, people flock here to get a glimpse at the ruins and learn about the fascinating cultural and social dynamics of early Rome.

Florence’s Uffizi Gallery is where you can find one of the world’s most impressive collections of Renaissance masterpieces by such icons as Michelangelo, Botticelli and da Vinci. The gallery itself, with its Renaissance-inspired architecture, radiates the movement’s core ideals of harmony, clarity and proportion, adding to the allure of this world-famous museum. Private and small group guided tours add insight to the artists and their extraordinary works.

Centered around an intricate network of more than 150 canals, Venice is unlike any other city in the world. Take a gondola ride to soak up the Floating City’s striking scenery and centuries-old architecture, with standouts like the Rialto Bridge and sights along the Grand Canal, including Piazza San Marco and Doge’s Palace.

^{For the History Books}
Italy lays claim to 59 UNESCO World Heritage Sites – that’s more than any other country in the world! Among them are the Colosseum, the ancient town of Pompeii, the Dolomites and Venice.

WHERE TO STAY

Radisson Blu Hotel Milan

In Milan’s Porta Nuova district, conveniently situated near several tram stops, the Radisson Blu Hotel provides easy access to key attractions and shopping areas. Guests can enjoy helpful concierge services, an on-site restaurant, a fitness center, an indoor swimming pool, a sauna and a lobby bar, making it a great value choice for both relaxation and exploration.

Santa Croce Boutique

Located in the peaceful Santa Croce district on a picturesque cobblestone street, the elegantly appointed rooms and modern comforts of this charming Venetian hotel enable a tranquil retreat from the noisy and bustling tourist areas. Plus, it is just a short stroll from the Rialto Bridge, Piazza San Marco and Venezia Santa Lucia, Venice’s central train station.

The St. Regis Rome

A stay at the five-star St. Regis Rome promises unparalleled luxury from the moment you step into its opulent lobby. Indulge in amenities such as rooms and suites adorned with exquisite fabrics and elegant furnishings, a full-service spa and the sophisticated onsite restaurant, Lumen. Right in the heart of the Eternal City, guests can easily walk to iconic landmarks like the Spanish Steps and Trevi Fountain.

BOOK ORLANDO NOW

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This gem has an extensive collection of Louis Comfort Tiffany’s works on display, including stunning stained glass, ceramics and jewelry from the Art Nouveau era, which flourished from 1890 to 1910. The opulent Tiffany Chapel is a highlight with its decorative moldings, carved plaster arches and mosaic columns. Stroll the museum’s galleries and you’ll see why it’s such a cultural treasure in Orlando.

Dive into fun at Discovery Cove, where you can swim with playful dolphins, snorkel among brightly colored fish and chill on pristine white-sand beaches. But that’s just the start. There’s also encounters with tropical birds and sun-soaked floats along winding lazy rivers at this all-inclusive day resort with unlimited food, drinks and snacks. Reef-safe sunscreen comes with admission. Upgrades include private cabanas, premium drinks and photo packages.

Spanning 50 acres, these gardens are a serene escape into lush botanical beauty for all ages. Wander through a notable collection of flowering shrubs, ornamental grasses, azaleas and succulents. There’s even a citrus grove that contains more than 50 types of citrus trees. Themed sections include a butterfly garden and a historic rose garden with more than 650 beautiful roses.

For movie and TV enthusiasts, Universal Studios Orlando is a must-visit. Get transported to the worlds of Harry Potter, Jurassic Park, Minions and more via thrilling and immersive attractions like 4D rides and shows. Character parades and whimsical meet-and-greets add extra fun to your adventure. On extra hot days, cool down at Universal’s Volcano Bay water park.

The world’s most famous mouse reigns supreme in Orlando, so plan to visit at least one of the Walt Disney World theme parks while you are there. Go for rides, shows, character meet-and-greets, food and musical parades. Ticketed seasonal events, like Epcot’s International Food & Wine Festival and Mickey’s Not-so-Scary Halloween Party at Magic Kingdom, add an extra sprinkle of magic to your visit.

^{Faith, Trust and Pixie Dust}
Walt Disney World has rules and guidelines in place to maintain the magic of its parks. Underground tunnels at Magic Kingdom – known as “utilidors” – serve as a backstage. Concealing dance practice rooms, costuming and a staff cafeteria, they help ensure a seamless and truly magical experience.

WHERE TO STAY

Comfort Inn International Drive

This hotel is an excellent option for relaxation and convenience without breaking the bank. Its prime location is within walking distance of attractions including the Orlando Eye Ferris wheel, Madame Tussauds wax museum and family-friendly restaurants. Start the day with a free breakfast and unwind by the outdoor pool.

The Grove Resort & Water Park

A stay at the Grove Resort is a win, especially for families, thanks to its complimentary on-site water park and free shuttle service to nearby Walt Disney World. Spacious, condo-style suites provide a home-like feel with full kitchens and separate living spaces. The AAA Three Diamond hotel also has two poolside snack bars, three restaurants and a coffee shop. Set on picturesque Lake Austin, swan paddleboats or kayak rentals are available to take out on the lake.

Waldorf Astoria Orlando

Escape to the AAA Four Diamond Waldorf Astoria Orlando and indulge in award-winning dining, a world-class spa and an 18-hole championship golf course. Take the shuttle to Disney or enjoy a day by the pool, complete with private cabanas. Waldorf Astoria Kids Club keeps kids ages 5 to 12 entertained, allowing adults to sneak away for a private, romantic dinner.

BOOK UNITED KINGDOM NOW

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Welsh heritage is on full display at this stunning castle in central Cardiff. From Roman fort to Norman stronghold to Victorian Gothic revival mansion, Cardiff castle showcases over 2,000 years of history. Don’t miss the opulent interiors and fascinating wartime tunnels.

Perched atop an extinct volcano, this majestic castle dominates the skyline of Scotland’s capital. Explore its rich history, see the Scottish crown jewels and enjoy panoramic city views from its ramparts.

Discover the natural wonder of Northern Ireland’s coastline at this UNESCO World Heritage Site, featuring around 40,000 interlocking basalt columns resulting from an ancient volcanic eruption. Walk along the distinctive hexagonal formations and hear about local legends at the visitor center.

Marvel at this prehistoric monument on Salisbury Plain in Wiltshire, England. The mysterious circle of standing stones has captivated visitors for centuries. Visit the exhibition and visitor center to find out more about its construction and significance.

Delve into nearly a thousand years of history at this iconic fortress on the Thames River. Home to the Crown Jewels, the White Tower and the famous Yeoman Warders (Beefeaters), the Tower offers a fascinating glimpse into royal history and intrigue.

^{Literary London}
Follow in the footsteps of famous authors with a literary tour of London. Visit the Sherlock Holmes Museum, at 221B Baker St., explore Charles Dickens’ former home, now a museum, or have a pint at The George Inn, frequented by Shakespeare and Dickens.

WHERE TO STAY

Voco St. David’s Cardiff

Experience a warm Welsh welcome at this unforgettable retreat on the picturesque Cardiff Bay waterfront. Among its many perks, this landmark hotel boasts exquisite dining and the award-winning Spa at St. David’s, along with easy access to Cardiff’s city center and serene countryside.

art’otel London Battersea Power Station

With colorful interiors designed by award-winning artist Jaime Hayon, this vibrant hotel in London’s Battersea neighborhood is a perfect blend of art, design, convenience and hospitality. Go for the chic rooms and suites and state-of-the-art gym and spa. You also won’t want to miss the breathtaking rooftop pool, in-house art gallery and top-rated dining options.

Sheraton Grand Hotel & Spa, Edinburgh

Experience Scottish luxury, ideally located next to Edinburgh’s UNESCO World Heritage City Centre – some rooms even have views of Edinburgh Castle. After a day of sightseeing, go to One Spa, Scotland’s most renowned urban thermal spa experience. Stay in a club room for complimentary access to the club lounge, including evening drinks and canapes.

RESOURCES

Contact a Travel Advisor

Fall Fun in the Northeast

There’s nothing quite like fall in the Northeast. There are so many ways to celebrate the season, whether you’re headed to the apple orchard, enjoying the colors of the changing leaves or getting ready for Halloween. Looking for ways to fall in love with autumn this year? Leaf it to us, we’ve got the pick of the patch.

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There’s nothing quite like fall in the Northeast. There are so many ways to celebrate the season, whether you’re headed to the apple orchard, enjoying the foliage or getting ready for Halloween.

If you’re looking for things to do this fall, leaf it to us, we’ve got the pick of the patch.

Fall Activities in New England, New Jersey and New York

We’re lucky to live in the best region for fall foliage. People travel from all over the country to see the leaves changing in the Northeast, but we get to enjoy it right in our own backyards.

Check out this fall foliage map, featuring peak leaf forecasts from SmokyMountain.com. We’ve highlighted some of our favorite places and fall events throughout the region to make the most of your leaf-peeping adventures.

Peak Foliage Estimates for the Northeast

Lyman Orchards
_{Middlefield, Conn.}

As a 10th generation farm, Lyman Orchards has been growing everything from apples to corn since 1741, and today, it’s one of the most popular places for fall apple picking. It also features a themed corn maze, horse-drawn hayrides, a stocked farm marketplace and more.

B.F. Clyde’s Cider Mill
_{Mystic, Conn.}

At B.F. Clyde’s Cider Mill, the last standing steam-powered cider mill in the United States, you can watch an apple-pressing demonstration before purchasing your own beverage (plus an apple cider doughnut or two). Eight versions of hard cider and 14 apple wines are available, too.

Damariscotta Pumpkinfest & Regatta
_{Damariscotta, Maine}

This four-day annual festival features events like the pumpkinboat regatta, where enormous hollowed-out pumpkins are raced in Damariscotta Harbor. Other events include the pumpkin derby, pumpkin pie eating contests, the pumpkin drop and the pumpkin catapult, where 20-pound pumpkins are launched into the air.

Treworgy Family Orchards
_{Levant, Maine}

Treworgy Orchards’ mission since 1983 has been to give friends and neighbors the opportunity to pick their own fruit. You can pick your own pumpkins, apples and squash, get delightfully lost in the corn maze, take a relaxing hayride or even book a mini family portrait session.

Salem
_{Salem, Mass.}

With over 1 million visitors every year, Salem has a reputation for everything spooky, witchy and autumnal. Learn about the city’s history at one of its numerous museums, take a ghost tour, get your fortune told or even have dinner inside one of the most haunted buildings in town.

Topsfield Fair
_{Topsfield, Mass.}

As America’s oldest agricultural fair, this 10-day event has been running every fall since 1818. From live music to carnival rides, contests, pumpkin weigh offs, pig racing, parades, cooking demonstrations and woodcarving, it’s everything a fall fair should be.

Alyson’s Orchard
_{Walpole, N.H.}

Alyson’s Orchard boasts over 50 acres of fruit-bearing trees. With 50 apple varieties, seven types of peaches and various berries, plums, pears, pumpkins, gourds and winter squash, it’s a pick-your-own paradise. Enjoy the tranquil setting, which includes ponds, playgrounds, a bocce ball court and a farm stand with local goods.

New Hampshire Pumpkin Festival
_{Laconia, N.H.}

With its iconic jack-o’-lantern pyramid rising above the festival like an autumnal beacon, the New Hampshire Pumpkin Festival welcomes all pumpkin enthusiasts, costume-wearers, foodies and fall lovers. This free festival features craft shows, food trucks, a beer garden, a dinner train and even a zombie walk.

Oktoberfest
_{Hampton, N.J.}

Put on your lederhosen and celebrate the German tradition of Oktoberfest at the Hunterdon Hills Playhouse. Enjoy imported beer, all the bratwurst you can eat and live performances that go all day and into the night. The event also offers craft beer, wine and whiskey, so there’s something for everyone.

Fishkill Farms
_{Hopewell Junction, N.Y.}

Every weekend in September and October, Fishkill Farms celebrates its Fall Harvest Festivals. Ticketed events include everything from pick-your-own apples to wagon rides, a corn maze and live music. While you’re there, enjoy a panoramic view of the farm from its on-site cidery or grab a bite to eat from the Fishkill Farms Grill.

The Great Jack O’Lantern Blaze
_{Croton-on-Hudson and Old Bethpage, N.Y.}

Taking a stroll through the Great Jack O’Lantern Blaze will make you say, “How did they do that?” Around 7,000 carved pumpkins take the shape of the unimaginable, from a T. rex to a functioning Ferris wheel and pretty much everything in between. The Hudson Valley event takes place at Van Cortlandt Manor in Croton-on-Hudson, while Long Islanders can enjoy the experience at Old Bethpage Village.

The Farmer’s Daughter
_{South Kingstown, R.I.}

The Farmer’s Daughter has the fall season mastered. If you’re not convinced by the collection of pumpkins, gourds and squash upon entry, the back-to-back greenhouses filled with fall decor and plants of every size will certainly change your mind. Its Fall Harvest Festival takes place every weekend through October and features hayrides, a pumpkin dunk tank, scavenger hunts and more.

Autumn on the Green
_{Danville, Vt.}

Autumn on the Green is a festival designed to showcase the works of small local businesses from artists to crafters and antique sellers. Stroll along the booths, admire the beautiful foliage around you and listen to live music before partaking in delicious local food.

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LAND

At Walden Pond in Massachusetts you can wander around the same trails as Henry David Thoreau, while checking out a replica of his one-room cabin, the original foundation and the site of his bean fields.

For pure adrenaline and rewarding views, climb the Beehive Loop Trail at Acadia National Park on Maine’s Mount Desert Island. Traipse through 3 miles of granite stairs and iron rungs and ladders and emerge with stunning views of Sand Beach and the Maine coast. Just a warning: It’s not for children or folks afraid of heights.

New York City-slickers can take advantage of Central Park’s fall foliage tree map, which guides you through the most colorful of the park’s 20,000-plus trees.

Want more mountain fun? You can’t go wrong with an excursion on the nostalgic Cog Railway, a steam-powered train that winds its way up New Hampshire’s Mount Washington.

Based in the idyllic Pennsylvania town of Jim Thorpe, the Lehigh Gorge Scenic Railway offers fall foliage train rides late into the season. Its trains weave through the Pocono Mountains, offering open-air views and live narration of the sights and sounds of autumn.

The fall foliage train rides at the Adirondack Scenic Railroad wind through the forests of upstate New York in open-air cars. They provide a variety of different types of train rides, including a pumpkin patch train ride, a Halloween train ride and even a wine and beer tasting ride that takes place at sunset.

The Cape Cod Central Railroad in Massachusetts runs along the coastal shoreline past beaches and bays, between dunes and hills, through forests and cranberry bogs. Its Cape Cod Excursion also features on-board narration about the history of the area.

SEA

SeaStreak offers an all-day foliage cruise from Highlands, N.J., or New York City that follows the Hudson River up to quaint Cold Spring, N.Y., for an afternoon of shopping, dining and strolling. The cruise is narrated by a professional guide and includes a full-service bar.

For more active city views, rent a kayak from Paddle Boston and ply down the Charles River. Or take a paddle through Waterplace Park and see the Providence, R.I., skyline from a whole new vantage point with the Providence Kayak Company.

For a nostalgic view of the Connecticut River Valley, combine a steam train ride with a riverboat excursion on the Essex Steam Train and Riverboat.

Head up north for a historic journey through the Portsmouth, N.H., harbor and inner river area with a Portsmouth Harbor Cruises tour.

AIR

Maybe the sky is more your style? Hop on a hot air balloon at Above the Clouds in Middletown, N.Y., where you can soar above the lower Hudson Valley to view the foliage from up high.

Or get right into the thick of things at the TreEscape Aerial Adventure Park in Vernon Township, N.J. Maneuver through aerial obstacles, rope walks, ziplines and more, all suspended amid the forest canopy.

^{Bake a Fall Treat:}
Apple Spice Cake

It’s finally apple picking season!

Now’s the time to put on your best flannel, take a ride to a local orchard and pick more apples than a human can possibly eat. It’s tradition, after all.

If you’re looking for a way to make use of your plentiful apple picking bounty, this easy and delicious apple spice cake comes together in about an hour and makes for a perfect anytime treat.

Ingredients

Cake:
3 Honeycrisp apples
1 cup sugar
3/4 cup light brown sugar
1/2 cup salted butter, melted
1/2 cup sunflower or avocado oil
1/2 cup plain yogurt
1 tablespoon vanilla extract
3 teaspoons baking powder
1/2 teaspoon baking soda
1 teaspoon each of cinnamon, nutmeg and allspice
Pinch of sea salt
3 2/3 cups flour
1 cup buttermilk

Frosting:
8 ounces cream cheese, room temperature
8 tablespoons (1 stick) unsalted butter, room temperature
1 cup confectioners’ sugar
1 teaspoon vanilla extract
1 jar or bottle of salted caramel sauce, for drizzling

Instructions

Preheat your oven to 350 degrees. Line an 8-inch square baking pan with parchment paper.
Core and chop the apples into large chunks (no peeling necessary). Use a food processor to blend until grated or to a pulp-like consistency. Set aside.
In a large bowl, whisk together the sugar, brown sugar, melted butter, oil, yogurt and vanilla extract. Add the blended apples and gently mix until fully distributed throughout the batter. Add baking powder, baking soda, cinnamon, nutmeg, allspice and sea salt and combine. Slowly incorporate the flour, one cup at a time, then add the buttermilk and whisk together only until the flour disappears (overmixing will make a batter that’s a bit stodgy).
Pour the batter into the prepared cake pan and level with a rubber spatula. Place it into the preheated oven and bake for 50-55 minutes, or until an inserted toothpick comes out clean. Once fully baked, let cool for about 10 minutes before transferring to a cooling rack.
While the cake is baking, make the cream cheese frosting. Using a hand mixer, combine the cream cheese and butter until incorporated. Slowly mix in the confectioners’ sugar a little at a time. Then, add the vanilla extract and mix until the consistency is smooth and fluffy. You can refrigerate the frosting, but take it out to soften at least 10 minutes before using.
Once the cake is completely cool, use a rubber spatula to scoop the frosting onto the cake’s center and spread toward the edges. Drizzle the salted caramel sauce over the top.

^{Adapted from}^{@the_bananadiaries}^.

^{Let’s Get Spooky!}
Local ghost tours and places that will haunt you.

These ghoulish ghost tours and infamous haunted places are perfect for fall fun – but beware! There might be creepy creatures out there!

Salem Ghosts

With a mix of scares and history, Salem Ghosts winds around all of Salem’s most haunted locations. Don’t worry about whether you should bring the little ghosthunters along – it’s family-friendly. Plus, AAA members get a discount.

The Historic Lizzie Borden House

Talk about a creepy place. You may not feel the infamous whacks that Lizzie Borden allegedly gave her parents here. (She was tried and acquitted, and the murders remain unsolved.) But book a room at this museum/bed-and-breakfast in Fall River, Mass., and you’ll certainly feel spooked. A tour detailing the 1892 ax rampage is given to every overnight guest. Too timid to turn in? You can take a daytime tour.

Boroughs of the Dead

New York City can get pretty spooky sometimes. With the many Boroughs of the Dead tours, you can pick your poison and explore all the forgotten, ghostly corners of the city. Tours include Madness and Medicine on Roosevelt Island, Witches of Old New York, Edgar Allen Poe in Greenwich Village, Haunted Brooklyn Heights and more.

Sleepy Hollow Cemetery

Do you hear the sound of hoof-beats coming? Could it be the headless horseman himself? Lantern-lit night tours happen every weekend September through November at the cemetery in Sleepy Hollow, N.Y., made famous by the eponymous Washington Irving story.

Darkness Falls Tour

Created by Vermont native and paranormal author Thea Lewis, the Darkness Falls Tour of downtown Burlington, Vt., is one creepy history lesson about the city’s most notorious ghostly residents. If you prefer graveyards, opt for her after-dark Lakeview Cemetery Tour (in September and October only).

Ghosts of Newport

The history of Newport, R.I., isn’t just about sailing, folk festivals and Gilded Age-opulence. Ghosts of Newport tours explore more than 350 years of tragedy and superstition in the city’s oldest neighborhoods.

Discounts That Are Twice as Nice as Pumpkin Spice

We hope your fall to-do list is as full as a trick-or-treat basket by now. But are you still looking for ways to save? We have a cornucopia of fall discounts available just for you.

Tech

The start of a new school year is always when all your old tech starts going haywire. Looking for a replacement for your favorite laptop, desktop or tablet? AAA Discounts & Rewards offers savings on technology brands, including Dell, HP, Samsung and Lenovo.

Shell Fuel Rewards

Save on your leaf-peeping road trip. AAA members are entitled to Gold Status with the Shell Fuel Rewards Program. Sign up for free and save instantly on all your fill-ups.

Hertz

If you need a ride, Hertz can get you behind the wheel no matter where you’re going. AAA members can save on car rentals, plus get exclusive benefits and additional rewards.

Halloween Haunts

Haunted houses, ghost tours and theme parks – oh my! AAA Tickets is your one-stop shop for spooky attractions, like Mickey’s Not-So-Scary Halloween Party, Universal’s Halloween Horror Nights and more.

Autumnal Bouquets

Bring the colors of fall into your home with the beautiful, seasonal arrangements available through 1-800-Flowers.com. Get a festive wreath for your door, a bouquet of fall flowers bursting out of a pumpkin, a harvest basket for a friend and so much more! AAA members can save 25% online and in-store.

HelloFresh

Want some new recipes to get in the spirit of the season? HelloFresh is a subscription service that delivers the ingredients and recipes necessary for delicious weekly meals. With fresh, preportioned ingredients, seasonal recipes and over 30 fresh meals to choose from every week, it makes dinner exciting. AAA members can save on a HelloFresh subscription.

Petro Home Services

The weather might be getting colder every day, but your house should always be comfy and cozy. Make sure your home temperature stays just the way you like it with Petro Home Services, your one-stop shop for heating, cooling and plumbing needs. New customers get $150 in free heating oil and a rebate on annual oil usage. AAA members can save with the promo code AAA.

Travel Services

Whether you’re headed on a fall foliage road trip or a farther-flung vacation, our AAA travel advisors are here to help. As a member, you can enjoy expert recommendations, exclusive perks and savings when you book.

Save more. AAA.com/Discounts

Contact a Travel Advisor

AAA Discounts and Rewards

Hurricane Preparedness

The content in this guide is intended for informational purposes only. In the case of an imminent hurricane, please defer to the advice of health and safety professionals.

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If it seems like hurricane season has been getting worse, it’s because it has. Weather and climate disasters in the U.S. cost trillions in damage from 1980 to 2023, according to the National Oceanic and Atmospheric Administration, and storms continue to make historic benchmarks in losses.

Atlantic hurricane season runs from June to November, usually hitting its stride around mid-August through October. Before the next storm, read through this guide and talk to a AAA Insurance agent to make sure you, your family and your belongings are ready to weather the worst of it and bounce back better than ever.

Disclaimer: The content in this guide is intended for informational purposes only. In the case of an imminent hurricane, please defer to the advice of health and safety professionals.

Hurricane Readiness Basics

Take advantage of the calm long before a storm to plan for your family’s safety.

Sign Up for Storm Alerts

The Federal Emergency Management Agency’s (FEMA) mobile app will send you National Weather Service notifications on up to five locations and locate emergency shelters. Keep an eye on local news and weather reports as well.

Plan for Evacuation

State or local officials may issue evacuation notices in advance of dangerous storms. Check with your local departments of transportation or emergency management to familiarize yourself with your area’s evacuation routes and shelters. Keep your car’s gas tank at least half full – or your EV charged – and carry a kit of basic emergency supplies in your trunk.

If you have to leave your home on short notice, you’ll want some essentials for you and everyone in your family. FEMA recommends having an emergency go-bag ready with things like medications, food and water, clothing and a first-aid kit. Your bag should be easy to carry and kept where you can grab it quickly.

Remember to secure your home before leaving and check with neighbors who may need a ride.

Emergency Supply Checklist

An emergency preparedness kit can ensure you have what you need in case an extreme weather event causes a power outage or requires evacuation.

You can build an emergency stockpile over time but remember to replace items with a limited shelf life, like food and batteries.

1 gallon of water per person per day for at least three days.
At least a three-day supply of nonperishable food.
Battery or hand-crank radio and extra batteries.
Flashlight with extra batteries.
A whistle to signal for help.
A portable phone charger.
A first-aid kit.
A wrench and/or pliers.
Dust mask to filter contaminated air.
Plastic sheeting and duct tape.
Moist towelettes, garbage bags and plastic ties for personal sanitation.
Can opener if your food kit contains cans.
Local maps.
Prescriptions and reading glasses.
Infant formula and diapers.
Food, water and medication for your pets.
Important family documents, such as insurance policies and bank account records. Store these in a waterproof container.
Sleeping bags or warm blankets.
Cash and change.
Complete change of clothing, including a long-sleeve shirt and long pants.
A fire extinguisher.
Matches in a waterproof container.
Feminine and personal hygiene supplies.
Paper cups, plates, plastic utensils and paper towels.

Establish a Communication Plan

Figure out how your family will stay in touch if you’re separated or lose power. You can choose an out-of-state contact for everyone to use and designate a meetup spot.

Staying Put

If you’re not ordered to evacuate, stay indoors, away from windows and glass doors. Never use a generator or gasoline-powered equipment indoors or in partially enclosed areas. Such equipment should be outside, 20 feet away from doors, windows and vents.

Ready Your Car

In addition to making sure your vehicle is fueled up and keeping an emergency kit handy, basic vehicle maintenance is important ahead of hurricane season, especially if you live in a coastal state where evacuations are more likely.

Car batteries typically have a three- to five-year lifespan. Call AAA for a battery inspection to ensure your car will start when you need it most; a battery service technician will come to your home or workplace to test your battery and, if needed, can replace your battery on the spot.

Visit a reputable repair shop to check your brakes, inspect your tires, assess fluids and hoses and replace your windshield wipers, if needed.

If you have an electric vehicle, you should also stay on top of basic car care and consider mapping out charging stations along evacuation routes ahead of time.

Ready Your Home

Powerful winds and floods are two of the greatest dangers presented by hurricanes. Ready your home by reinforcing doors, windows, walls and the roof. Depending on your risk, you may also want to consider long-term solutions like installing storm shutters and hurricane-proof doors.

You should bring loose, light objects like patio furniture and garbage cans inside and anchor objects you cannot bring inside, like grills. Trim or remove trees that are close enough to fall on buildings.

To prepare your home for heavy rains or flooding, keep gutters and drains free of debris. If possible, install a water alarm and a sump pump with battery backup. Stockpile plywood, plastic sheeting, sandbags and other emergency materials, too.

Create a video or list of your belongings and put it with any receipts to prove their value. Store it in a waterproof safe or container with other important financial documents and keep it with your emergency evacuation supplies. This will help with the insurance claims process.

Ready Your Pet

Don’t forget to take precautions to keep your furry, scaled and feathered family members safe during an emergency, too!

Create an emergency supply kit just for your pet with at least three days’ worth of food and water, medications and medical records (in a waterproof container), garbage bags, a picture of your pet in case you become separated, a leash, crate/carrier and anything else necessary for your pet’s survival.

During a storm, bring your animals inside and close to you. Dogs and cats can get confused and become disoriented during difficult times and might try to hide or run away. If necessary, keep dogs in a room with the door closed, cats in a carrier and small animals safely in their cages.

Pets are not always allowed in emergency shelters, so keep a list of places you can bring them in case of a natural disaster. Consider pet shelters, pet-friendly hotels and homes of relatives or friends outside the affected area. American Kennel Club Pet Disaster Relief is a great resource.

It is a good idea to have your dog or cat microchipped. Even an ID tag or collar can be lost or pulled off. A registered microchip might be the only way to be certain your pet can be identified during a disaster. You may also want to apply a pet rescue alert sticker to your window to inform rescuers and first responders that animals could be trapped inside.

Did you know that you can add your pet to your AAA membership? With the complimentary AAA Pet ID Tag Program, AAA can help safely reunite lost pets with their owners. Drop by your local AAA branch to sign up. Learn more.

The Ins and Outs of Hurricane Insurance

What to know about the hurricane deductible that is likely on your homeowners policy.

The History of Hurricane Deductibles

In 1992, Hurricane Andrew left insurers with $15.5 billion in losses – at the time, the costliest hurricane in U.S. history. From that point, hurricane insurance was determined to be a necessity in coastal areas to help cover high-cost property losses due to storm risks like hail and high winds.

“After the wake-up call of Andrew, insurers in many coastal states began to sell homeowners insurance policies with percentage deductibles for storm damage,” according to the Insurance Information Institute. “These deductibles are stated as a percentage of the insured value of the homes and generally are a higher dollar amount than traditional dollar deductibles used for other types of losses such as fire damage and theft.”

Nineteen states and the District of Columbia have hurricane deductibles. In the Northeast, this includes Connecticut, Massachusetts, New Jersey, New York and Rhode Island.

What Is a Hurricane Insurance Deductible?

Homeowners should do the math with their agent to fully understand how much they’re self-insuring for.

When Does Hurricane Coverage Kick In?

There are a few things necessary for hurricane insurance to apply. These triggers vary by state and insurance carrier, but a good indicator comes from the National Weather Service. Once a hurricane watch or warning is issued, the intensity level is crucial. The moment a Category 1 hurricane makes landfall is when the deductible becomes applicable.

More Coverage Options

On its own, your homeowners policy will usually cover loss or damage caused by falling trees on your property due to strong storm winds. And if you are worried about your car, storm damage to your vehicle is also covered as long as you have comprehensive insurance on your auto policy.

Insurance carriers may offer windstorm, named storm and catastrophe deductibles, but keep in mind that your homeowners policy or any kind of storm coverage does not include flood damage. Flood insurance must be purchased separately.

Adding extra wind, flood or storm coverages to your homeowners policy may be worth it for you, or even necessary, depending on where you live. In high-risk coastal areas, the state government or mortgage lenders will likely require it.

Food spoilage coverage is something else to consider ahead of the next big storm. Losses related to power outages are one of the most common insurance claims during hurricane season. Food spoilage coverage may take care of the cost to replace the items in your fridge if your power goes out for a prolonged period.

If you are planning a wedding, fundraiser or other large event during hurricane season, you may also want to purchase special event insurance. In the worst-case scenario that severe weather forces you to cancel or postpone, you will be covered. In the best case, it will be a beautiful day and you will have extra peace of mind knowing that you are protected from other financial losses too, like if your DJ doesn’t show up or someone gets hurt.

Know Your Insurance

When shopping for insurance, always check the financial rating of a company, especially if you live in an area that is prone to hurricanes. Catastrophic weather events result in large swaths of damage that may generate large losses for a particular company and can exceed their ability to pay all the claims.

Each state has its own rules regarding hurricane insurance. Talk to your insurance agent to run through all the technicalities of your policy to make sure you can get the right coverage.

Storm Facts

Do you know your “watch” from your “warning?” Find out in this guide to storm categories and other meteorologist lingo.

Storm Categories

How a storm is classified or described in a weather report is rooted in the strength and severity of the wind.

Dating back to the early 1800s and still used today, the Beaufort scale is a wind measurement tool developed to help sailors gather visual cues about the wind from the water. It goes from zero to 12, with zero being calm and 12 being a hurricane.

A 10 is officially considered a storm on the Beaufort scale, described as having 55 to 63 mph winds, big waves, low visibility and a chance of considerable structural damage. A violent storm (11) is even more intense.

Hurricanes are categorized using the Saffir-Simpson Hurricane Wind Scale. Ranging from 1 to 5, storm categories are based on a hurricane’s maximum sustained wind speed and estimated potential property damage. While all hurricane-force winds are considered dangerous, categories 3 to 5 are known as “major” hurricanes.

When you hear major storm terms in the forecast, it’s time to take action to protect your home, car and belongings, and in the worst cases, evacuate from the area. Hurricane-force winds and storm surges can be deadly.

Category 1: Sustained winds of 74 to 95 mph. Very dangerous. Winds can potentially cause damage to roofs, vinyl siding, gutters and shingles. Large branches may snap, and trees may topple. Extensive damage to power lines and poles could result in power outages that may last several days.

Category 2: Sustained winds of 96 to 110 mph. Extremely dangerous. Major roof and siding damage are possible. Large branches will snap and trees will fall, blocking roads. Near-total power outages are expected and could last weeks.

Category 3: Major. Sustained winds of 111 to 129 mph. Devastating damage. Winds could cause major damage to homes including roof removal. Trees will be snapped and uprooted, blocking roads. Electricity and water will be unavailable for several days to weeks after the storm.

Category 4: Major. Sustained winds of 130 to 156 mph. Catastrophic damage. Severe damage to homes, with potential to lose most of the roof and/or exterior walls. Most trees will be snapped or uprooted and power poles downed. Power outages may last weeks and possibly months. Most of the area could be uninhabitable for weeks or months.

Category 5: Major. Sustained winds of over 157 mph. Catastrophic damage. A high percentage of framed homes will be destroyed with total roof failure and wall collapse. Fallen trees and power poles will isolate residential areas. Power outages can be expected to last for weeks to months. Most of the area will be uninhabitable for weeks or months.

More Storm Terms

Eye/Eyewall: The eye of a storm is its relatively calm center. The eyewall is the dense ring of clouds that surrounds the eye and contains the highest winds.

Doppler: A radar tracking system that sends out energy signals from an antenna to detect the location and velocity of a storm in the atmosphere.

Gale Winds: Sustained surface winds of 39 to 46 mph, strong enough to create high waves and break twigs off trees. At 47 to 54 mph, severe gale winds are more powerful and may cause some structural damage.

Named Storm: A storm or other catastrophic weather event that has been identified and named by the U.S. National Weather Service, the U.S. National Hurricane Center or the U.S. National Oceanic and Atmosphere Administration. Since the 1950s, hurricanes and tropical storms have been given names to quickly identify and communicate them. The naming procedure, established by the World Meteorological Organization, is based on six lists of 21 male and female names on a six-year rotation. The only exceptions to the process are if a storm is so deadly and costly that a future storm of the same name would be inappropriate or if more than 21 named storms happen in a season; in these cases, a separate list of names is used.

Storm Surge/Tide: An abnormal rise in sea level that accompanies a tropical storm system. When a storm surge combines with the normal tide, it is called a storm tide.

Single Cell/Multicell/Supercell Thunderstorms: An explanation of common thunderstorms from the National Severe Storms Laboratory.

Single Cell – Small storms that grow and die within an hour or so. Often experienced on hot summer afternoons, they produce heavy rain and lightning.

Multicell – This system could last for many hours and has the potential to produce hail, strong winds, brief tornados and/or flooding.

Supercell – A long-lived (greater than one hour) storm that is tilted and rotating. It can grow as large as 10 miles in diameter and up to 50,000 feet tall. It only needs to be present for 20 to 60 minutes before a tornado could form. Most large and violent tornadoes come from supercells.

Squall Storm: A group of storms arranged in a line that can be hundreds of miles long, but typically are not very wide. High wind, heavy rain and snow are signatures of these types of storms, which tend to pass quickly.

Tropical Storm: A rotating, low-pressure weather system that originates over warm, tropical oceans with maximum sustained surface winds of 39 to 74 mph. Once winds exceed 74 mph, it is a hurricane.

Watch/Warning/Advisory: While they sound similar, each of these storm alerts means something completely different. Here is how the U.S. National Weather Service breaks them down:

Advisory – Issued when hazardous weather is occurring, imminent or likely. Used for less-severe weather conditions where caution is advised.

Watch – A weather threat is possible within 48 hours. Issued when the risk of a hazardous weather event has increased significantly, but exactly when or where it will happen is still uncertain. A watch is intended to provide enough lead time to start thinking about a plan of action or begin executing it if needed.
Warning – A weather threat is expected within 36 hours or less. Issued when hazardous weather is occurring, imminent or likely. Conditions pose a threat to life or property. People in the path of the storm should take protective action.

What to Do

If a tree falls on your home due to strong winds, evacuate immediately, make sure everyone is safe and call 911. If you can do so safely, cover up any openings caused by the fallen tree with a tarp or something similar.

Document the extent of the wind damage by taking photos or videos and make a list of any broken items, being sure to note any structural issues. Then, contact your insurance company as soon as possible to initiate the claims process. After your claim has been filed, the insurance company will typically send an adjuster to assess the damage in-person and repair estimates will need to be given from qualified contractors. This helps ensure that your settlement amount aligns with the actual cost of repairs.

Work closely with your insurance company to complete the necessary paperwork and fulfill any additional requirements during the claims process. Keep track of all communications and documents related to the claim, in case it’s necessary to reference them in the future.

Are You Covered?

Standard homeowners insurance policies provide coverage for damage caused by wind, including if a tree hits your home or other insured structure, but the extent of coverage may vary depending on the specific terms and conditions outlined in your policy. It’s important to review your insurance policy carefully to understand the scope of coverage for wind-related hazards.

In some cases, the destruction may be so bad that your home could be deemed unsafe to live in. Your homeowners insurance may help to cover the additional living expenses if you need to reside somewhere else while repairs are being made.

If wind has caused damage to your vehicle, such an incident would be covered under the comprehensive portion of your auto insurance policy.

What to Do

The safety of you and your family is top priority. If flooding is severe, evacuate immediately and seek higher ground. It’s also wise to avoid walking or wading through floodwaters as they can contain hazardous materials and pose dangers you may be unable to see.
Document damage and notify your insurance provider right away. Although it may seem like a good idea to start cleaning up as soon as possible, it’s best to document the extent of the damage before anything else. Take photos and videos of affected areas to provide evidence for insurance claims.
Clean, dry and disinfect. Remove standing water by using pumps and wet/dry vacuums and dispose of damaged items that cannot be salvaged. To prevent mold growth, thoroughly dry the affected areas by running dehumidifiers and fans until no sign of moisture is present. Once dried, disinfect all surfaces, furniture and small items to eliminate any potential toxins from the floodwater.
Water is corrosive and can cause irreversible damage to the structural integrity of your home. Look for signs of damage to the foundation, walls and support structures, especially, but all areas should be inspected as a precaution. If you have concerns about the safety of your home, consult with a professional to evaluate further.

To prevent and reduce future flood damage, consider:

Elevating electrical outlets, switches and wiring to at least 1 foot above the expected flood level.
Installing a sump pump.
Properly sealing and insulating cracks in the home’s foundation or walls.
Installing water alarms.
Ensuring proper drainage in and around the property.

Are You Covered?

While standard homeowners insurance may cover some water damage, flooding is covered only by purchasing a separate policy.

If you don’t live in a Special Flood Hazard Area, defined by FEMA as having a 1% or greater chance of flooding in any given year, you’re not federally required to have flood insurance. However, your mortgage lender may still ask you to have it.

As flash floods become more common in the Northeast, flood insurance is still recommended, even if it’s not mandated. It doesn’t need to be a hurricane – or even a coastal area – for flooding to happen. Floods can be caused by rain, storm surges and overflows of water systems and can develop slowly or very quickly without warning.

More than 40% of flood claims come from properties outside high-risk flood zones, according to FEMA.

Mold caused by sudden certain types of storm damage may be covered by your homeowners insurance, depending on what’s listed in your policy. It’s always best to check with your agent if you are unsure about the extent and limits of your coverage.

Depending on the weather, try to stay as warm or as cool as possible.
Keep flashlights and extra batteries on hand. Crank or solar-powered lanterns are also great, safe sources of light.
Unplug major appliances and devices (except the refrigerator), in case of a power surge, which could cause damage.
Conserve your phone battery, in case you need to use it for an emergency. Consider buying a portable charger and make sure it’s ready for times like these.
Install smoke and carbon monoxide detectors with battery backup on all levels of your home.
If using a generator, keep it outside and away from windows.
Maintain the temperature of your refrigerator or freezer by keeping the door closed as much as possible. Once power is restored, check all your refrigerated foods for freshness; if there is any doubt, throw it out!

Are You Covered?

Check with your insurance agent to see if you have food spoilage coverage on your homeowners policy.

Home Insurance Quote

AAA Insurance has competitive rates, discounts, and knowledgeable agents to get you the right coverage, at the right price. Fill out the form below to receive a quote.

Helpful AAA Resources

AAA Insurance

FEMA.gov Hurricane Preparedness and Evacuation Planning

National Ocean and Atmospheric Association National Hurricane Center

Insurance Information Institute: Disasters and Preparedness

The National Weather Service: Alerts

American Kennel Club Pet Disaster Relief

New Ways to Buy A Car

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The New Way to Buy a Car

People almost universally dread the process of wandering through lots, negotiating prices and filling out reams of paperwork involved in the car-buying process. Fortunately, the modern world has caught up to the industry.

There are now new options and enhancements to car buying that make it easier, more efficient and, dare we say, enjoyable?

Buying Online

You can buy just about anything online these days, so why not cars? There are already numerous car-buying sites, including Carvana, Vroom and Shift. Each has an inventory of cars that buyers can search through on their website. Most online dealerships offer newer-model used cars, although companies like NowCar offer new vehicles.

Once a user finds a car they like, they can purchase it at a fixed price and fill out all the paperwork in just a few minutes – all without leaving the house. You can even get the car delivered right to your driveway.

Augmented Reality

As convenient as online shopping is, purchasing a car based solely on two-dimensional images is not the most comfortable idea. This is one of the main reasons the process of buying a car took so long to evolve.

Younger buyers want to avoid a dealership. To solve this problem, car manufacturers are increasingly turning to augmented reality.

Augmented reality is a technology that virtually overlays images and information onto a physical environment. With this technology, consumers can use their smartphones or tablets to place a life-size, three-dimensional image of the prospective vehicle in their driveway.

Not only can buyers walk around it and open the doors, but they can also get inside. Augmented reality allows drivers to virtually sit inside the car to get a feel of what it would look like in real life.

Digital Showrooms

Even those who venture out of their home and into a dealership can still experience digital technologies. Many now have in-store apps that let customers view and customize their car just as they would from their home computer.

Digital showrooms have the added benefit of taking up significantly less space than a traditional dealership. This helps increase consumer access by enabling dealerships to operate in more densely populated areas.

Some manufacturers offer in-store apps that let customers view and customize their car just as they would from their home computer. Third-party companies, like RelayCars, also provide a virtual look at nearly every make and model on the market.

Subscription Ownership

Cars are expensive. It’s a large initial expense, then monthly payments, plus insurance, gas and maintenance, all for a product that loses value the minute it rolls off the lot.

Unless you know that you will be driving that car for the longhaul, the traditional process of buying a car may not be for you.

That’s why companies are now offering drivers a new option. Just like you would pay a monthly fee for your Netflix subscription, buyers can pay a flat rate to drive a pre-owned car for a set period of time. Users simply log on to the app of their choice, pick the vehicle they want and how long they need it for, and then go pick it up. After that, they pay a weekly or monthly fee, which usually includes insurance, unlimited mileage and routine maintenance. When the subscription term is over, the driver simply returns the car. Select luxury marquees offer this as an option, and there are also some specialty providers like the EV-only subscription service Borrow.

Home Delivery

Some dealerships offer to deliver your new car directly to your doorstep. This is something Tesla and third-party sellers like Carvana have been doing for years. If you get your car delivered, check that it is the right year, make and model and includes all the agreed-upon features and equipment. Also take a look at the odometer. New vehicles shouldn’t have more than about 100 miles, between test drives and the delivery. If it’s a used car, check that there haven’t been any extra miles added since your purchase.

Keeping Up With the Latest Car Tech

Advanced Driver-Assistance Systems

Advanced driver-assistance systems are being integrated into new car models every year. And while they are designed to take some of the stress out of driving and improve driver safety, AAA warns against getting too dependent on them.

Marketing language may lead to overconfidence and misunderstanding of ADAS capabilities, potentially causing drivers to pay less attention to the road, according to data collected by the AAA Foundation for Traffic Safety. ADAS tech is designed to work with an engaged driver, not replace the driver. The foundation advises drivers to treat the technology as a backup to their own senses and reactions and always be prepared to take control.

These are some of the ADAS safety features you can expect to see in new car models.

Antilock Brakes

Antilock brakes prevent wheel lockup and skidding that can occur with conventional brakes. It keeps more of the tire surface in contact with the road, giving the driver greater ability to steer to safety.

Forward Collision Warning with Automatic Braking

Rear-end crashes are the most common type of crashes in the U.S. Using front-facing sensors, this system is designed to scan the road ahead and alert drivers of an imminent crash. However, while the forward collision system can sense danger, it won’t help you avoid it, which is why it is often paired with automatic braking.

While some crash prevention systems will only provide a warning and prepare the brakes for full stopping power, others apply the brakes automatically to prevent a crash. This safety feature combination just might be the reason your next zone-out moment isn’t fatal.

Advanced Cruise Control

While typical cruise control holds vehicle speed as set by the driver, advanced cruise control varies the speed based on traffic. For example, if the driver sets cruise control at 65 mph but traffic slows to 55 mph, advanced cruise control automatically reduces the speed until traffic clears. In some cases, these systems can control speed down to a complete stop. It also calculates following distance to keep the car safely behind others.

Traction Control and Stability Control Systems

Many vehicles combine these features. Traction control systems use brakes to stop a wheel that is spinning and force the opposite wheel to turn. This may provide the necessary traction to get a stuck car moving again. Stability control also uses the brakes to help steer the car when it is skidding. Stability control doesn’t necessarily improve handling, but it does reduce the chance of getting into a skid.

Integrated Steering Wheel

To keep drivers hands-free, steering wheels have been redesigned with control shortcuts to some of the most widely used car systems. Most drivers can control the radio station, volume, cruise control, phone and more from the buttons on their steering wheel.

Voice Controlled Systems

While operating in-car systems without taking your hands off the wheel has become much easier, there are still times when a driver has to reach over and fiddle with controls. But some car manufacturers have taken the hands-free mantra one step further, testing voice-activated controls for the radio, climate and even navigation systems. While this isn’t a standard (yet), consumers should expect to talk to their cars a lot more in the future.

Lane-Keeping Assist

The lane-monitoring safety feature has been popping up on more car models each year. Best used on highways, this technology uses road markings to detect if a driver is drifting into a new lane without a turn signal. Then, depending on the car make and model, the driver will be alerted with a chime, flashing light or vibration. Some systems will even step in with corrective steering or braking. More complex systems use a hands-free lane-keeping system that can even slow and stop with the flow of traffic.

Blind Spot Monitoring

Paired with lane-keeping assist, blind spot monitoring can make traveling traffic-heavy highways and major roads much safer. The systems use sensors to detect when there is a car in your blind spot and then alert you with a visual or audible warning. Some more advanced systems take it even further, showing what’s in your blind spot using camera footage.

Pedestrian Detection

This system uses a camera and radar to “see” pedestrians a driver may miss. More advanced systems use infrared technology to detect the heat produced by humans and animals to prevent collisions.

Backup Camera

Rearview cameras are now standard on all American market vehicles. This feature allows drivers to see live footage on the dashboard of what’s behind their car, making it easier to navigate parking lots, pulling out of driveways and other situations where it’s easy to accidentally hit something (or someone).

Rear Cross-Traffic Alert/Warning

Supplementing the backup camera, this system uses radar to look to the left, right and behind the vehicle as it backs out of a parking space. This is especially handy when you find yourself sandwiched between two large SUVs in a parking lot.

Headlight Improvements

Even this basic component has become more sophisticated. Manufacturers are adding features that turn the lights slightly when taking a turn or stay level when driving up and down a hill. Some cars even have headlights that automatically shut off or dim to prevent blinding oncoming drivers.

Innovations to Watch

There are exciting developments in car technology afoot. And though it may seem impossible to keep up with the rapid pace at which the latest advances are moving, you’ll want to keep an eye on these.

Self-Driving Cars

Driverless vehicles are being perfected as we speak. Like cruise control and self-parking, it is only a matter of time before this new autonomous technology becomes more commonplace. However, it may take some time to gain drivers’ confidence. AAA’s annual automated vehicle survey shows high votes of little to no confidence in self-driving vehicles year after year.

The challenge of developing a driverless car is ensuring that it can navigate the hazards we encounter every day, such as traffic circles, oncoming cars, congested streets and pedestrian traffic. With advances in machine learning, computers are now able to learn without being expressly programmed to respond, which is essential as driverless cars will encounter situations they may not have been exposed to during simulation or testing. The intricate process of developing computers that guide driverless cars involves massive amounts of data, simulation and testing.

One of the goals of having self-driving cars is to ultimately make roads safer. With the element of human distraction and decision-making out of the way, some anticipate an overall decrease in accidents in the long term.

Biometrics

If you ever used a fingerprint scan to access your smartphone, you have relied on biometric data. Broadly, biometrics refers to the data about your human characteristics and includes things like face recognition and retina detection. For many years, it has been used for security purposes, but it also has applications in your vehicle.

Unlocking your car with a fingerprint can help guard against auto theft. If your car is equipped with biometric features, your vehicle may also adjust to your preferences (seat location, dashboard display, etc.), which is particularly useful if you share a car.

Beyond identification, biometrics can be used to monitor drivers. Cars are being developed that can detect your heart rate, breathing and movement patterns to indicate when you may be too drowsy to drive. Traditionally, vehicles that detect drowsiness rely on information about the car’s own movements – such as lane deviation to indicate a driver may be too tired to operate it safely.

With features becoming more advanced, insurance companies may give discounts for safety features based on biometric data. Insurance is based on assigned risk, and any step you can take to protect your vehicle decreases the likelihood it will be stolen.

Hybrid and Electric Options

As technology continues to improve, and the need for cleaner energy keeps growing, electric and hybrid vehicles are becoming more sought after and more accessible. These cars are not one size fits all. From the way they are powered to how far they can travel and how much they cost, there are some important aspects to sort through.

Hybrids

There are two types of hybrids on the market: Hybrid electric vehicles and plug-in hybrid electric vehicles. Both HEVs and PHEVs have a gas engine, an electric motor and a battery, but they are powered a little differently.

HEVs do not require an external charging source to charge. The gas engine generates enough electricity to charge the battery while driving, which also gets a boost from regenerative braking, a process in which the brakes use momentum to create electricity when the car coasts or decelerates.

PHEVs get some of their charge from regenerative braking, too, but as the name suggests, can also be plugged into a power source. PHEVs can travel as far as 40 miles on electricity alone.

Battery Electric Vehicles

Battery EVs are cars powered by internal batteries charged by plugging into an outlet. Unlike hybrids, BEVs do not have a gas engine and rely exclusively on electricity to run. The lack of an engine means that BEVs do not produce the emissions that traditional gas-powered vehicles do. (There are some emissions created by charging these cars.)

Fuel Cell Electric Vehicles

The least common type of EV, fuel cell electric vehicles are powered by electricity – but not from a battery. Instead, they are equipped with tanks filled with hydrogen. The car’s fuel cell combines this hydrogen with oxygen to produce electricity to power the motor.

Hydrogen-powered cars are still an emerging technology, but their potential – 400-plus miles of range and a refueling time of less than five minutes – means you’re likely to see them become more available as the refueling infrastructure grows.

The Cost of Electric Vehicles

EVs are generally more expensive than similar, gas-powered cars, especially fully electric models. However, the average price is dropping as more are manufactured. Other savings brought in from electric vehicles offset the purchase price. The most notable savings come at the pump. The cost of charging is generally less than gas. And because certain regular maintenance tasks like oil changes aren’t needed, you also save on upkeep and repair. Electric vehicles are also eligible for tax incentives.

Charging EVS

Conventional hybrids do not need any external charging; they are powered by converting the vehicle’s own energy. Plug-in hybrids and battery electric vehicles need to be connected to an outside power source. Most owners will charge their cars at home.

There are 3 levels of charging:

Level 1 – Charge via standard outlet. This slow charging method usually delivers about 4 to 5 miles of charge per hour. No special installation needed. Do not use with an extension cord.

Level 2 – Most common at public charging stations but can also be installed at home by a licensed electrician. This level delivers twice the voltage and cuts charging time in half.

Level 3 – The fastest EV charging available, it can fully charge a car in about 20 minutes to an hour. Only available in public charging stations.

While the number of charging locations continues to grow, it’s always a good idea to plan out your route when traveling long distances according to where you know you can get a charge.

Find out more about EVs and access helpful tools, including an EV cost calculator, emissions calculator, incentives finder and charger map. AAA.com/EV

Insuring Your New Car

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Answers to Your Insurance Questions When Buying a New Car

Is there a difference when buying insurance for a new car vs. a used car? Lenders can request specific coverages that could increase the cost of insurance. For example, auto loan companies require a vehicle to carry collision and comprehensive coverage.

Depending on your budget, buying used gives you some flexibility in regard to coverage, enabling you to have a bit more control over your premium as opposed to buying new. This decision becomes especially important if you have a teen driver on your policy who may drive up insurance costs. Teens are statistically the riskiest drivers on the road.

How about when leasing a car?

When leasing a vehicle, be sure to consider loan/lease, also known as guaranteed asset protection or GAP coverage, as this provides an additional cushion in an event that the vehicle is declared a total loss. This coverage would pay the difference between the actual cash value of your vehicle and the unpaid balance on your loan or lease in a covered total loss scenario.

Keep in mind that leased vehicles are owned by the leasing company, and it will want certain needs met for insurance coverage, such as requiring a higher limit of liability coverage.

How can you prepare for the dealership?

When buying a vehicle from a dealership, be sure you have either already spoken to your insurance company to let them know you may be purchasing a new car soon or have your agent’s phone number on hand.

Once you have a vehicle picked out, the next step will be getting that vehicle added to your insurance policy so that the finance company will have the information it needs to complete the loan. Having your insurance info on hand at the dealership will make for a more seamless transaction while completing your new vehicle purchase.

Do you need to update your insurance before you can drive off the lot?

Yes! This should be done before leaving with your new vehicle. You may also want to consider obtaining a rough quote from your agent prior to making your buying decision. This will allow you to balance your budget accordingly if your insurance premiums increase due to this purchase.

Learn how much you can save when purchasing a new or used car through the AAA Auto Buying Program.

Is the insurance rate higher for a new car?

Not necessarily. There are so many different factors that are taken into consideration when rating a vehicle. The manufacturer’s suggested retail price and safety features, such as airbags, anti-lock brakes and lane-departure warnings, can affect the insurance rate. Other factors, such as the community where the vehicle will reside, your driving record and anticipated annual mileage, can impact the premium as well

Understanding a Car Insurance Policy

Insurance policies can feel like they are written in a foreign language. While your insurance agent can help you cut through the jargon, familiarizing yourself with these essentials can ensure nothing gets lost in translation.

THE BASICS

Every car insurance policy includes limits and deductibles.

Limits are the extent to which a policy protects a driver. Limits are often expressed in the following manner: A/B/C. “A” is the limit of what an insurance company will pay for bodily injury to a single person if the insured driver is at fault in a traffic incident. “B” equals the total amount an insurance company will pay per incident for bodily injury if an insured driver is at fault. “C” is the total amount an insurance company will pay for property damage, such as damage to another motorist’s vehicle, if the insured driver is at fault. Some drivers will purchase umbrella coverage to safeguard themselves against claims that exceed basic auto insurance limits.

Deductibles are amounts drivers must pay out of pocket before their insurance companies step in. Accepting a policy with a higher deductible can often lower premiums as it decreases what an insurance company may have to pay following an accident.

The term is the period your car insurance policy is in effect.

A claim is a request for an insurance company to issue payment per the terms of your car insurance policy.

TYPES OF COVERAGE

Liability protection is the foundation of an auto insurance policy. It protects drivers against damage they inflict upon other people or property. Nearly every state mandates drivers have a minimum level of liability protection.

Uninsured or underinsured motorist coverage is designed to protect you from drivers who don’t have insurance or when the damages to you or your property exceed the limits of their insurance. This coverage is optional coverage in some states and mandatory in others.

Personal injury protection is a requirement in some states. It covers medical bills and may cover other costs for drivers and their passengers after an accident regardless of whether they were at fault.

Collision coverage protects your vehicle should it strike another object, like a wall, tree or vehicle. It’s optional under state law but is often a requirement for anyone financing a vehicle purchase. Lenders require coverage as a way of protecting their investment. If a borrower defaults on an auto loan, the lender needs the vehicle to recoup its investment and a vehicle in bad shape isn’t worth as much. Some drivers who carry collision coverage consider dropping it when the cost of the protection exceeds the value of their vehicles.

Comprehensive coverage is optional under state law but is often a requirement for drivers who’ve financed vehicle purchases. This covers just about any other damage to vehicles, such as fire, hail, vandalism, flood and theft.

Premiums

Premiums are what drivers pay for a car insurance policy. A variety of factors affect premiums, including the following.

Your car: The more expensive your car, the more expensive your repairs and insurance rates may be.

Your driving habits: The more you drive, the higher your chance of being in a crash, and greater risk typically means higher premiums.

Where you live: People who live in urban areas usually have higher premiums because of the higher risk of accidents, theft and vandalism.

Your driving record: Someone who has been in multiple incidents or has multiple moving violations is a statistically greater risk than someone with a clean driving record. Premiums follow accordingly.

Your coverage: Accepting a higher deductible can lower your premium because it decreases what your insurance company could be forced to pay. Having higher limits or optional coverage, like collision, on the other hand, can increase what an insurance company may have to pay, which can mean higher premiums.

Credit rating: California, Hawaii and Massachusetts are the only states where insurance companies cannot use drivers’ credit ratings to influence auto insurance premiums.

Insurance Discounts

Always ask your agent if there are any discounts available to you. Depending on the state where you live and your insurance carrier, you may be eligible for savings, such as:

Discount for bundling home and auto insurance policies.
Payment plan discounts for paying in full or switching to automatic monthly deductions.
Multi-vehicle discount.
Veteran discount.
Auto club discount.
Good driver discount.
Good student discount.
Rate reductions for safety features on your car.

In some states, completing a defensive driving course could also help lower your rate and/or reduce points from your driving record.

10 Things Your Auto Insurance Agent Wants to Know About You

When you request a car insurance quote, the insurance agent will ask you many questions. Some questions can seem invasive, but they are a normal part of the process and are needed to provide you with the best coverage and rate. Make things easier by preparing to provide the following details.

Where do you live? When insurance companies determine the cost to insure a particular vehicle, they consider the state in which it is registered as well as the ZIP code. City residents generally pay more for their insurance than those who live in rural areas, and suburban residents fall somewhere in between. This is because you are more likely to be involved in a collision in high traffic areas and are at an increased risk for theft and vandalism.

Instead of simply assigning greater risk to residents of metropolitan areas, auto insurers look at the car insurance claims in your ZIP code and surrounding areas. The claims rates can vary greatly in neighboring towns, which means you could pay more for your insurance than someone who lives right down the road.

Do you own your home? Homeownership may seem completely unrelated to auto insurance, but you will be asked if you rent or own the place where you live. Viewed as an indicator of stability, ownership may mean that you will pay less than a renter. If you currently rent, make sure to notify your insurance company if you eventually purchase a home.

Are you interested in bundling your home and auto insurance? Companies that offer home and auto insurance will usually offer you a discounted rate when you bundle policies. If you own a home, this is a great way to save additional money.

What vehicle are you insuring? Provide details about the make, model and year of the car you are insuring. If you proceed with securing coverage, you will need to provide the vehicle identification number as well. Insurance companies will factor in the cost of the vehicle and its parts, safety ratings and price when determining your premium. Cars that have safety features such as parking assistance, rearview cameras and stability control reduce the chance of accidents.

Does your car have GPS or other location-tracking technology? Vehicles that have GPS or other location-tracking technology are less expensive to insure, as there is a greater chance that they will be recovered if stolen. Tracking systems can pinpoint your vehicle and often track it in real time, providing valuable information that can be used by police to retrieve it. If you have signed up for a vehicle tracking service, make sure to inform your auto insurance provider.

Do you own or finance your car? Drivers who own their car outright have the option to purchase more coverage but are not required to do anything more than state law mandates.

If your car is leased or financed, the lending institution will require you to have comprehensive and collision coverage on top of liability insurance.

What is the car’s primary use? Certain types of driving such as daily commutes to work or school put your car at greater risk for accidents. Explain whether you will be using your car primarily for getting to and from work and business or for recreation, such as weekend drives and trips to the beach.

Who lives in your household? Auto insurance policies typically cover individuals who live in the same household with permission to drive the insured car. If you live with teen drivers, this will also be factored into your premium, as they are considered riskier to insure.

How is your driving record? Your past driving activity is a good predictor of the risk you pose as a driver.

Insurance companies will want to see your motor vehicle report so that they can determine your level of risk.

The more instances of accidents and violations you have, the more you can expect to pay for future insurance. Depending on the state where you live, you can take the AAA Defensive Driving Course to reduce points from your license and possibly qualify for an auto insurance discount.

What coverage are you seeking? This question is likely one of the most important for you as a driver. Discuss liability, collision and comprehensive coverage as well as any specific needs you may have so that you secure the best protection for you and your vehicle. Find out about roadside assistance as well, so you are prepared during an emergency.

Financing Your New Car

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Why You Should Consider Financing Outside of the Dealership

No one wants to drive away from the car dealership with a sense that they are overpaying. Fortunately, that sinking feeling can be avoided by shopping for financing ahead of time.

“In my mind, there are two completely separate transactions that take place when you buy a car,” said Ted Lyons, vice president of Financial Services for AAA Northeast. “One is negotiating the price of the car, and the second is negotiating the financing of that purchase.”

While many buyers spend hours researching makes, features and even colors they want in a car, they rarely shop for new car financing, despite how important it is. When it comes to new car financing, you have two options.

Direct Lending

This is when you borrow money directly from a bank, credit union or finance company and use that loan to pay for the car. This allows you to comparison shop to find the best deals and to know the credit terms – like annual percentage rate, length of term and maximum amount – before you get to the dealership.

Some financial institutions, like AAA, can offer you both an auto loan and all the ancillary products, such as an extended warranty, debt protection and other coverages, at a significantly lower price than a dealership, which typically makes its money on the sale of these products.

And applying for an auto loan is a fast and easy process that takes only a few minutes, Lyons added.

Dealership Financing

Another option is to apply for financing through the dealership. While it can be convenient to do the car buying and financing all in one shot, you may not be given any financing options, and you could get stuck paying a higher interest rate than if you shopped for financing on your own.

After You Sign

Even if you agreed to the terms, you are not out of options. New car buyers always have the option to refinance. There is no law that says you cannot refinance an auto loan within the first 90 days. Refinancing a car can help you secure a lower interest rate on your loan, reduce your monthly payments and more.

LEARN HOW TO APPLY FOR NEW CAR FINANCING

Financing Made Easy

Aside from choosing your next car, figuring out how to pay for it is the biggest decision in this process. And if you opt to finance through a dealer, you could be spending hours in the office coming to an agreement, all for a loan that may not be the best you can secure.

Learn about financing your car through AAA, and see how much you can save when purchasing a new or used car through the AAA Auto Buying Program.

How to Negotiate a New Car Price
or Lease

Whether you’ve negotiated successfully in the past or never mastered the process, these tips can help you to avoid the sinking feeling that you overpaid.

Research New Car Prices to Determine a Fair Opening Bid

Most car shoppers dread haggling with a salesperson, but the negotiation process is less stressful when you begin on solid footing, which is an informed idea of what you can expect to pay. Research prices before you speak with a dealer so that you can arrive at a fair value for your preferred vehicle. Brand websites allow you to build the exact model you want and see the manufacturer’s suggested retail price.

Also known as the sticker price, the MSRP will be displayed on the dealer lot or advertised. The dealer will try to stay close to this price. Watch out for additional dealer markups. Due to the demand of popular vehicles, some dealers tack on thousands of extra dollars.

Car buyers should have a lower opening bid informed by online tools – like the AAA Auto Buying Program website – that show the average range of what other buyers have paid for a specific model. The ideal opening bid is on the low end of that spectrum. Due to the way manufacturers structure dealer discounts and incentives, it’s difficult to determine the exact invoice price, but the rough figure helps you to understand how much a dealer will profit from your purchase. Let the salesperson know that you have arrived at a fair price after thorough research, and always steer the conversation away from the MSRP.

Even if you plan to lease a new car, begin with this step. The full price of a leased car is known as cap cost, short for capitalized cost, and it will appear on your contract. Dealers often try to steer discussions toward monthly lease payments, often lowering them by extending the length of the lease, but a low cap cost is a better way to lower your monthly payment.

Request Multiple Quotes

Gathering competitive bids also gives you some leverage. For those who are particularly stressed about how to negotiate a new car price, a car buying service will do the legwork in exchange for a flat fee or percentage of your purchase or lease. Otherwise, contact multiple dealers so that you can compare quotes and use these to possibly secure an even lower price.

Most manufacturer websites incorporate tools that allow you to compare prices within a certain geographic radius. Depending on how far you are willing to travel, or how much delivery will cost, extend your search beyond the local area. Take your lowest quote to other dealers and see if they will beat it, shopping around until you feel comfortable with the deal.

Take Advantage of Manufacturer Incentives

While you want to avoid paying the retail price listed on manufacturer websites, look there for any incentives that can be applied to your new car deal. Since special offers are determined by location, you will need to provide your ZIP code to see a list of incentives that apply to purchases and leases. The most common incentives are rebates, finance offers and special programs that often are available for recent graduates and veterans.

Discuss Trade-In Value and Monthly Payments Later in the Process

Have you ever tried to negotiate a new car price only to be asked what your ideal monthly payment would be? Perhaps the most challenging part of negotiations is keeping the conversation on track. Dealers want to stay as close to the MSRP as possible, so salespeople will often steer the discussion away from price toward monthly payments and trade-in values. They can meet your ideal payment in several ways that won’t benefit you including extending the length of a loan or lease. Since cars depreciate quickly and interest adds up, you’ll wind up owing quite a lot more than the car is worth.

The time to discuss trade-in value and monthly payments is after you’ve agreed to the price. As with the fair price you researched for your new car, come prepared with the value of your trade-in. Use a reputable online tool to determine the amount you can expect to receive based on the make, model, age and condition of your car.

Even after following these tips, it can be hard to know when to accept a deal. Certainly, if a dealer can’t come reasonably near your price, it’s time to move on. The same holds true for pressuring tactics. However, if you receive a good offer from a reputable dealer, have the confidence to stop negotiating and move on to the enjoyment of your new vehicle.

Prequalifying for an Auto Loan

What does it mean to prequalify for an auto loan?

The process of getting an auto loan starts by proving to a lender that you’re a good candidate. When you prequalify, the lender looks at basic information on your financial profile and uses that to determine whether to grant you a loan. It’s the first step in the process of securing a loan and driving away in a new car.

Why prequalify for an auto loan before you shop?

When you prequalify for an auto loan it gives you the assurance that you’ll be able to get the loan you need when you find the perfect car. This makes budgeting easier and avoids disappointment.

Prequalifying also lets the dealership know you’re serious about buying a car. They want to work with people who are planning on going home with a new car, not with people who can’t get a loan or who have no real intention of buying. Walking in prequalified gives you credibility with the dealership, so you can be assured of their attention.

Lastly, you’ll often get a better deal when you prequalify for an auto loan on your own rather than working through the dealership. Spending the time to research the terms at various lenders gives you the best chance for getting a lower interest rate, which will save you money over the life of the loan.

You can apply online, over the phone or in person at AAA. Learn about AAA auto loan services.

Check Your Credit Report

You should check your credit report annually, but this is especially important when it comes time to prequalify for an auto loan. Your credit report will show any loans you have, from a mortgage to a credit card, and includes information on current balances and your payment histories. It also shows loans you have paid in full. If anything is incorrect, you should get the information corrected before you attempt to prequalify. You don’t want incorrect negative information hurting your chances.

If someone is cosigning your auto loan, have them check their credit information as well. You both need accurate credit reports to ensure you get the best terms possible.

Prequalifying for an Auto Loan

Auto Loan Payment Calculator

Whether you are a first-time loan shopper or looking to refinance, use an auto loan payment calculator like this one to get an estimate of what your monthly loan payments will be. Simply plug in the amount of the loan you’re looking for, interest rate and term length.

START CALCULATING

Car Buying Research

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Tips for First Time Car Buyers

The car-buying process can seem overwhelming, especially for first-time buyers. But the abundance of vehicle and financing options ensures that there is a perfect car, at the right price, for everyone. If you’re embarking on your initial trip into the automobile-purchasing waters, these tips will help you part the sea of options.

Establish a Budget

The average new car transaction price is nearly $50,000, according to 2024 data from Cox Automotive. You’ll most likely need to finance your car, which means paying in monthly installments. It’s smart to think about how much you can truly afford to pay each month after covering your other living expenses. Remember, it’s not just about the cost of the car. You should also factor in insurance, gas and maintenance when calculating your budget.

Research Financing Options

When it comes to financing your car purchase, make sure to research your options. Many people simply use the dealer’s lender without thinking twice. If the dealer turns out to be the best option, great. But one of the best first-car buyer tips we can give is to shop around.

There is no shortage of financial institutions and companies willing to help finance your car. The AAA Auto Loan Program, for instance, offers low rates at competitive terms to fit your budget. All you need to do is submit an auto loan application, and you’ll receive a fast credit decision. If the rate changes between the time you apply for your loan and the time you pick up the check, you’ll pay the lower rate.

Buying vs. Leasing

You may be tempted to lease a car instead of buying. When you lease, your monthly payments are generally lower than buying. And while leasing may be a good idea in certain circumstances – say if you know you’ll only need a car for two or three years or you don’t typically put on a lot of mileage – it also comes with pitfalls.

Leases are short-term investments. They have mileage limits that you must adhere to. You’ll also need to pay if there’s any damage to the car that exceeds normal wear and tear. On the other hand, when you purchase a car, your monthly payments will eventually end, and when they do, you’ll own the car. Of course, that also means keeping up with proper maintenance as the car ages.

Do Your Homework

Once you know what ballpark you’re in cost-wise, you need to do some research. Between make, model and trim, there are an exponential number of car options. To sift through the choices, think about what you need from your car. Yes, you may want a sunroof for the few times you drive to the beach, but if you’re on a tight budget, you should look at cars that get good gas mileage.

The AAA Auto Buying Program lets you compare vehicles, see what others have paid and get special member pricing on actual dealer inventory.

Even after narrowing down your search, there will still be plenty of options. Fortunately, there are numerous resources that can help you decide. The AAA Auto Buying Program, for example, lets you compare vehicles, see what others have paid and get special member pricing on actual dealer inventory.

Check the safety rating of the cars you are interested in with tools provided by the National Highway Traffic Safety Administration and the Insurance Institute for Highway Safety, and look into fuel economy information from the U.S. Department of Energy (fueleconomy.gov).

New vs. Used

One major decision first-time car buyers must make is whether to buy new or used. The downside to purchasing is that your new car is a depreciating asset. In fact, most vehicles generally lose about 20% of their value within the first year and up to 60% within five years, according to Kelley Blue Book.

There is a way to avoid funding this depreciation: Buying used. The idea of buying a brand-new, sparkling car can be tempting, but don’t let that cloud your judgement. Purchasing a pre-owned car can often be the more prudent approach, particularly if you have a tighter budget.

Pre-owned cars may cost less, have many of the latest technology and safety features, and the early depreciation will have been paid for by the previous owner.

Test and Inspect

After finding your perfect first car, it’s time to make the purchase a reality. But don’t be too quick to sign on the dotted line. With all the online research available, it’s easy to forget how you feel behind the wheel. One of the most crucial tips for first-time car buyers – or any buyers – is to test drive the vehicle. There is no other substitute for learning how the car drives and feels. And it should not be simply around the block. Take the car on a route with different driving environments, such as traffic light intersections and highways. It should replicate your normal driving routine as much as possible.

You’ll also need to ensure the car is in good shape. This means getting the car inspected by an independent third party, such as a AAA Approved Auto Repair facility. Don’t wait until after you purchase the car to do this, even if it looks like it’s in pristine condition. If a dealer doesn’t allow it, shop elsewhere. If all goes well, enjoy your new ride.

One of the most crucial tips for first-time car buyers – or any buyers – is to test drive the vehicle.

Check if the car has a spare tire (some new models do not come with a spare but have run-flat tires instead), a jack and a wheel lock key. If you are purchasing a used car, inspect it from front to back, checking for prior body damage, mechanical problems, leaks and anything that looks like it would be an expensive repair down the line. With the AAA Auto Buying Program, you can obtain vehicle reports to see if the car has been in a prior accident and other recent maintenance it may have undergone.

Most Common Causes of Car Crashes Include:

Do your best to avoid a crash with a refresher on defensive driving.

Do your best to avoid a crash with a refresher on defensive driving.

Immediately After a Collision

Once It Is Safe

After Leaving the Scene

Determining Fault After a Car Crash

No-Fault Insurance

Uninsured Motorist Coverage

Collision vs. Comprehensive

Request an Auto Insurance Quote

Request an Auto Insurance quote

Seguro temporal

Seguro de vide entera

Lo que hay que tener en cuenta

Decisiones y más decisiones

Por qué lo necesita

Equilibre su cobertura como Ricitos de Oro

Busque el mejor precio

Conozca la jerga

Asesórese con un proveedor fiable

Debe

No Debe

“Muy a menudo las personas posponen la compra de la protección que necesitan, y luego ocurre una tragedia y ya es demasiado tarde. Sea proactivo, explore sus opciones y actúe si es necesario”.

¿Cómo funcionan las rentas vitalicias?

¿Qué más debe saber sobre las rentas vitalicias?

Por qué nunca es demasiado temprano para empezar a pensar en un seguro de vida

Por qué nunca es demasiado temprano para empezar a pensar en un seguro de vida

El seguro de vida establece una base financiera

Asequibilidad temprana

Ajustable a sus necesidades

Una tranquilidad invaluable

Cómo limita su cobertura el seguro de vida grupal

Obtenga lo mejor de ambos mundos

Eventos de vida que justifican actualizar su póliza de seguro de vida

La importancia del seguro de vida en el matrimonio

Discutir seguros de vida con su pareja

Comience temprano

Sea transparente

Hable sobre sus necesidades

Considere las opiniones de cada uno

Cómo brindar un comienzo financiero seguro a su matrimonio

¿Qué es el seguro de vida para niños?

¿Cuáles son los beneficios de una póliza de seguro de vida para un hijo?

¿Qué es un seguro de vida universal indexado?

¿Puede comprar una póliza para sus nietos?

Solicite una cotización de seguro de vida o conéctese con un asesor de seguros de vida de AAA para obtener más información.

Solicite una cotización de seguro de vida o conéctese con un asesor de seguros de vida de AAA para obtener más información.

Mansions and Museums

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Main Streets and Small-Town Charm

Hastings-On-Hudson

Katonah

Mamaroneck

Sleepy Hollow

Tarrytown

White Plains

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Attractions & Amusements

The Great Outdoors

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Where to Stay

Resources and Discounts

Term Life Insurance

Whole Life Insurance

What to Consider

Decisions, Decisions

Why You Need It

Goldilocks Your Coverage

Shop For the Best Price

Get To Know the Lingo

Work With a Reliable Provider

Do

Don’t

“All too often people put off buying the protection they need, and then a tragedy occurs and it’s too late. Be proactive, explore your options and take action if it’s necessary to do so.”

How Do Income Annuities Work?

What Else Is There to Know About Income Annuities?

Why It’s Never Too Early to Start Thinking About Life Insurance

Why It’s Never Too Early to Start Thinking About Life Insurance

Life Insurance Sets Up a Financial Foundation

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