Case Study: AAA Northern California, Nevada & Utah achieves 20% higher average premiums with Extole referral platform

AAA Northern California, Nevada & Utah Division Drives Higher Premiums with Referrals

AAA Northern California, Nevada & Utah (AAA NCNU) is a long-standing insurance and road-service provider that wanted to turn its strong agent–customer relationships into a scalable acquisition channel. Internal research showed customers referred by agents were more loyal, so AAA sought to add a referral program to its marketing mix and incentivize members to refer friends and family.

Cynthia Jow led a unified rollout that prioritized agent adoption and clear metrics, and the resulting Extole-powered referral program exceeded expectations with more than 95% agent participation. Referred customers delivered a 15-point higher NPS on average and generated policies with 20% higher average premiums, making referrals one of AAA NCNU’s most valuable acquisition channels.

AAA

Cynthia Jow

AAA NCNU Operations