YES, we have the upgraded and I pay for all 5 of us drivers to have our own cards. DD (17) just got her license, so I need to get her a card ASAP. She will be driver #5.
It is also a safety issue to me with the teens/young adults. i remind them, remember YOU are covered, not your car, YOU. And that even if you are a passenger in a friends car that breaks down, call AAA for their car too. I remember breaking down at night in Jersey City, NJ and again in Newark NJ while a college student.... a little scary. I remind my kids, we had no cell phones back then, you had to walk and look for a working pay phone.
We have no new cars here, they vary from 240,000 miles to 60,000 miles.
Good when you rent, too. Once at the MGM-Studios parking lot, I was driving a rental car, and somehow locked the keys in the car, WITH THE CAR RUNNING! AAA was there in less than 10 minutes. Duh!
Have saved $$ using AAA for Amtrak and also Universal trips.....