Parents who understand the risks recognize that it is important to keep teens from riding with other teens, even if it means playing 'chauffer' for one more year.

There are many players in the commodity insurance business. But we feel insurance is a relationship business. People come to us with problems, and we try to give them solutions.

When people become part of the auto club, they get a better understanding of what we're about and what we can offer. It's our hope that if they become part of the auto club, they will look at our insurance products, and if they buy a policy for their vehicle, they also will consider a policy for their home.

When people think of AAA, the first thing that comes to mind is road service.

I think people see us as more than a business. I feel people just have a good feeling of AAA as an organization.

AAA's great legacy is our service to the AAA member. Everything we do in insurance, travel and automotive revolves around providing the best value and service to the member. And, I truly believe that our focus on our members -- particularly our advocacy for them as motorists and on matters of traffic safety -- is the underlying reason why our organization has maintained its relevancy for more than 100 years.