AssuranceAmerica Auto Insurance coverage Overview

AssuranceAmerica sells minimum-limit auto insurance coverage insurance policies in 10 states and covers higher-risk drivers who might battle to safe conventional protection.

On this AssuranceAmerica auto insurance coverage evaluate, discover ways to request a quote, learn concerning the claims course of, and examine buyer rankings and monetary evaluations to find out if the AssuranceAmerica insurance coverage firm is an efficient match for you.

What’s AssuranceAmerica?

AssuranceAmerica sells minimum-limit property and casualty automotive insurance coverage insurance policies in 10 states. On this occasion, property and casualty insurance coverage refers explicitly to these states’ minimal authorized automotive insurance coverage necessities.

To purchase an AssuranceAmerica insurance coverage coverage, it’s essential to reside in Alabama, Arizona, Florida, Georgia, Indiana, Missouri, Nebraska, South Carolina, Texas, or Virginia.

AssuranceAmerica covers high-risk drivers who in any other case battle to safe protection from conventional insurers.

Nevertheless, in case your driving report could be very poor, your quoted price could also be larger than common.

AssuranceAmerica sells very fundamental sorts of automotive insurance coverage, together with bodily harm and property harm legal responsibility protection. Within the states the place it’s legally required, the corporate additionally presents private harm safety (PIP) insurance coverage, medical funds (MedPay) protection, and uninsured or underinsured motorist safety.

However to assist maintain charges low, the corporate doesn’t provide many optionally available coverage add-ons. So, if you happen to’re curious about rental automotive reimbursement or roadside help packages, you may think about trying into different corporations.

AssuranceAmerica additionally doesn’t present a cell app or on-line consumer portal for purchasers. As a substitute, it’s essential to contact your native agent for many aspects of managing your automotive insurance coverage coverage.

Nevertheless, you possibly can pay your AssuranceAmerica automotive insurance coverage invoice on the corporate web site, however a $5.50 comfort price might apply. In any other case, to pay your invoice, name the corporate instantly, contact or go to your native agent, or mail the fee to:

AssuranceAmerica
PO Field 933792
Atlanta, GA 31193-3792

To contact AssuranceAmerica customer support over the cellphone, name 1-800-450-7857. You can too electronic mail [email protected]

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How do you get AssuranceAmerica auto insurance coverage quotes?

There are 3 ways to request a automotive insurance coverage quote from AssuranceAmerica. It’s possible you’ll use the quote software on the corporate web site, name AssuranceAmerica instantly, or communicate with a neighborhood agent close to you.

The AssuranceAmerica quote software is situated within the footer of the corporate web site.

Click on on ‘Get a Free Quote’ from the menu, and also you’ll be redirected to a quick kind asking to your ZIP code, age, and automotive make and mannequin. Fill it out honestly for a extra correct quote. The speed is topic to vary after finalizing your utility.

In the event you’d moderately join with an individual immediately, you possibly can enter your ZIP code into the agent locator software supplied on the corporate web site.

Lastly, for these curious about calling AssuranceAmerica to request a quote, dial 1-833-808-7878.

How a lot does AssuranceAmerica auto insurance coverage price on common?

As a result of AssuranceAmerica is a smaller firm, its charges will not be publicly out there. Nevertheless, sources counsel the fundamental protection insurance policies from this firm price $108 per thirty days or $1,300 per 12 months on common. To find out in case your price is aggressive, examine it to quotes from different high automotive insurance coverage corporations.

You may additionally think about evaluating your quote to the common price of protection within the state the place you reside.

The desk under exhibits the common annual auto insurance coverage expenditures within the 10 states the place AssuranceAmerica operates, with knowledge from the Insurance coverage Info Institute (III).

Like most different automotive insurance coverage corporations, AssuranceAmerica bases your charges on elements like your age, ZIP code, driving report, and car make and mannequin.

Nevertheless, as a result of this can be a nonstandard insurance coverage firm that primarily underwrites insurance policies for higher-risk drivers, quotes is likely to be larger than common. Excessive-risk automotive insurance coverage might price as a lot as 84% greater than normal auto insurance coverage protection.

How do you file auto insurance coverage claims?

The one approach to submit a automotive insurance coverage declare with AssuranceAmerica is over the cellphone. You will need to name the toll-free claims division cellphone quantity at 1-888-580-8134.

You possibly can technically name to submit a declare at any time, however the workplace is formally open Monday by Friday from 8 a.m. to five p.m. EST. Because of this, some clients negatively evaluate the claims division.

Folks say the AssuranceAmerica claims adjusters may be troublesome to contact, and turnaround instances are sometimes gradual.

If it’s essential to submit any paperwork together with your declare, an AssuranceAmerica mailing deal with, electronic mail, and fax quantity can be found.

However the firm doesn’t present any details about monitoring your declare as soon as it’s submitted or how lengthy the method may take. Contemplate reaching out to your native agent for extra personalised help if essential.

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Does AssuranceAmerica have any auto insurance coverage reductions?

AssuranceAmerica doesn’t present details about auto insurance coverage reductions on the corporate web site.

Nevertheless, the net quote kind asks if you happen to’re a house owner or are affiliated with the army or any warehouse golf equipment. This suggests a house owner low cost, army low cost, and group or membership low cost could also be out there in some places.

It’s price asking the native AssuranceAmerica agent you join with concerning the price reductions out there to you.

Simply remember that nonstandard insurance coverage corporations like AssuranceAmerica often don’t provide as many saving alternatives as conventional insurance coverage corporations like Geico or Progressive.

What are the AssuranceAmerica rankings and critiques?

That will help you decide if AssuranceAmerica is financially dependable and interacts nicely with its drivers earlier than you decide to a coverage, let’s analyze the corporate’s monetary evaluations and have a look at critiques from actual clients.

AssuranceAmerica has not been ranked by any main credit standing businesses like A.M. Finest.

Sadly, this implies we can not communicate concerning the monetary stability of this firm, however when it comes to buyer satisfaction, AssuranceAmerica presently has an honest grievance index ratio of 1.28 in line with the Nationwide Affiliation of Insurance coverage Commissioners (NAIC).

The median is all the time set to succeed in 1.00, implying that AssuranceAmerica acquired across the identical variety of client complaints because the median.

AssuranceAmerica is just not accredited by the Higher Enterprise Bureau (BBB), nevertheless it has an A+ score. This implies the BBB believes the corporate interacts positively with its drivers. Nevertheless, out of a median of 15 buyer critiques, the corporate solely has a one-star score out of a doable 5.

Most unfavourable critiques contain the claims division. Many drivers state that the adjusters are troublesome to contact, don’t return cellphone calls, or don’t reply questions instantly.

In the end, low cost automotive insurance coverage is just not the one factor to search for out of your auto insurance coverage firm. You additionally need to belief that the corporate is simple to work with, particularly throughout a anxious time, like after a automotive accident. So maintain these AssuranceAmerica buyer experiences in thoughts whereas buying round to your greatest protection.

What’s the historical past of AssuranceAmerica?

The historical past of AssuranceAmerica is considerably sparse. Headquartered in Atlanta, Georgia, AssuranceAmerica began promoting auto insurance coverage in 1998. The corporate additionally has places of work in Alabama, Florida, and Texas.

The present president of AssuranceAmerica is Joseph J. Skruck.

AssuranceAmerica focuses on promoting insurance coverage to clients at an reasonably priced value. To maintain charges low, the corporate presents very fundamental insurance policies constructed to fulfill the minimal authorized insurance coverage ranges within the 10 states the place it operates. It has a group of over 4,000 brokers all through these states, together with bilingual brokers for buyer comfort.

Whereas AssuranceAmerica presently sells automotive insurance coverage insurance policies in Alabama, Arizona, Florida, Georgia, Indiana, Missouri, Nebraska, South Carolina, Texas, and Virginia, it’s additionally licensed in 13 further states.

Nevertheless, in line with the corporate web site, quotes are presently not out there in these areas.

The extra states the place AssuranceAmerica is licensed however doesn’t promote insurance policies are Arkansas, Illinois, Kansas, Louisiana, Mississippi, Nevada, New Mexico, Ohio, Oklahoma, Pennsylvania, Tennessee, West Virginia, and Wisconsin. The corporate might provide protection in these places sooner or later.

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AssuranceAmerica: The Backside Line

AssuranceAmerica might provide some drivers competitively priced, very fundamental auto insurance coverage insurance policies. In the event you’ve struggled to safe protection from different corporations, this nonstandard insurer could also be an honest choice.

Nevertheless, remember the problems some clients skilled with the claims division.

General, AssuranceAmerica doesn’t present a number of the advantages different insurance coverage corporations provide to drivers, like a consumer portal on the web site, a cell app, optionally available coverage protection add-ons, and a spot to handle or monitor claims.

You will need to additionally communicate with an AssuranceAmerica customer support consultant or your native agent for your whole coverage wants. Some tech-savvy drivers might discover this inconvenient, particularly if you happen to’d choose to handle your coverage on-line.

Most drivers could have a better time securing cheaper charges with extra protection choices and higher buyer advantages from a few of the different greatest automotive insurance coverage corporations.

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