Ok...I hate to mention this for fear it will not work, however, we do have AAA and will book the AAA rate. I have "never" been asked for my card at check-in.
We get the cheapest plan (single person even through we are married), I think it is less than 40 bucks per year.
We have new cars with manufacturer warrenty, however, it is nice to get the discounted park tickets and have them in hand when we get there.
Kim