You do not have to be a member. It is very simple. Teenage drivers are involved in more accidents than any other group. Nationwide, in 1995 nearly 5,700 teens died in motor vehicle collisions. As a result, premiums are highest for this age group.
Insurance premiums can become very restrictive if the teenager has an at-fault accident.
AAA highly recommends driver's training course for teens to develop driving skills and to reduce insurance premiums. Auto and Home insurance policies have a liability section to cover certain monetary damages if an insured has been negligent. The insurance company is only responsible for paying up to the policy limits of the insurance contract. In many serious incidents, this may not be nearly enough. Any excess damages could come directly out of an insured's personal assets causing financial hardship.