Here is the Scoop
- AssuranceAmerica focuses on minimum-limits property and casualty auto insurance coverage
- Charges for AssuranceAmerica automotive insurance coverage value $108 monthly or $1,300 yearly on common
- AssuranceAmerica operates in 10 states and has a community of over 4,000 unbiased brokers
AssuranceAmerica sells minimum-limit auto insurance coverage insurance policies in 10 states and covers higher-risk drivers who might wrestle to safe conventional protection.
On this AssuranceAmerica auto insurance coverage evaluation, learn to request a quote, learn concerning the claims course of, and examine buyer scores and monetary evaluations to find out if the AssuranceAmerica insurance coverage firm is an effective 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, you should dwell in Alabama, Arizona, Florida, Georgia, Indiana, Missouri, Nebraska, South Carolina, Texas, or Virginia.
AssuranceAmerica covers high-risk drivers who in any other case wrestle to safe protection from conventional insurers.
Nonetheless, in case your driving report could be very poor, your quoted fee could also be increased than common.
AssuranceAmerica sells very fundamental sorts of automotive insurance coverage, together with bodily harm and property injury 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 supply many optionally available coverage add-ons. So, should you’re excited by rental automotive reimbursement or roadside help packages, you may think about wanting into different corporations.
AssuranceAmerica additionally doesn’t present a cellular app or on-line person portal for patrons. As an alternative, you should contact your native agent for many aspects of managing your automotive insurance coverage coverage.
Nonetheless, you possibly can pay your AssuranceAmerica automotive insurance coverage invoice on the corporate web site, however a $5.50 comfort payment might apply. In any other case, to pay your invoice, name the corporate straight, contact or go to your native agent, or mail the cost to:
AssuranceAmerica
PO Field 933792
Atlanta, GA 31193-3792
To contact AssuranceAmerica customer support over the telephone, name 1-800-450-7857. You may also e 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. You might use the quote device on the corporate web site, name AssuranceAmerica straight, or converse with a neighborhood agent close to you.
The AssuranceAmerica quote device 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 on your ZIP code, age, and automotive make and mannequin. Fill it out honestly for a extra correct quote. The speed is topic to alter after finalizing your utility.
Should you’d somewhat join with an individual instantly, you possibly can enter your ZIP code into the agent locator device supplied on the corporate web site.
Lastly, for these excited by calling AssuranceAmerica to request a quote, dial 1-833-808-7878.
How a lot does AssuranceAmerica auto insurance coverage value on common?
As a result of AssuranceAmerica is a smaller firm, its charges will not be publicly accessible. Nonetheless, sources recommend the essential protection insurance policies from this firm value $108 monthly or $1,300 per 12 months on common. To find out in case your fee is aggressive, examine it to quotes from different high automotive insurance coverage corporations.
You may also think about evaluating your quote to the common value 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 Data Institute (III).
Like most different automotive insurance coverage corporations, AssuranceAmerica bases your charges on components like your age, ZIP code, driving report, and automobile make and mannequin.
Nonetheless, as a result of it is a nonstandard insurance coverage firm that primarily underwrites insurance policies for higher-risk drivers, quotes could be increased than common. Excessive-risk automotive insurance coverage might value as a lot as 84% greater than customary auto insurance coverage protection.
How do you file auto insurance coverage claims?
The one strategy to submit a automotive insurance coverage declare with AssuranceAmerica is over the telephone. You need to name the toll-free claims division telephone 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. For that reason, some prospects negatively evaluation the claims division.
Folks say the AssuranceAmerica claims adjusters will be tough to contact, and turnaround instances are sometimes gradual.
If you must submit any paperwork along with your declare, an AssuranceAmerica mailing deal with, e 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. Take into account reaching out to your native agent for extra personalised help if needed.
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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.
Nonetheless, the net quote kind asks should you’re a house owner or are affiliated with the navy or any warehouse golf equipment. This means a house owner low cost, navy low cost, and group or membership low cost could also be accessible in some areas.
It’s price asking the native AssuranceAmerica agent you join with concerning the fee reductions accessible to you.
Simply bear in mind that nonstandard insurance coverage corporations like AssuranceAmerica normally don’t supply as many saving alternatives as conventional insurance coverage corporations like Geico or Progressive.
What are the AssuranceAmerica scores and evaluations?
That will help you decide if AssuranceAmerica is financially dependable and interacts effectively with its drivers earlier than you decide to a coverage, let’s analyze the corporate’s monetary evaluations and have a look at evaluations from actual prospects.
AssuranceAmerica has not been ranked by any main credit standing businesses like A.M. Finest.
Sadly, this implies we can’t converse concerning the monetary stability of this firm, however when it comes to buyer satisfaction, AssuranceAmerica at the moment has an honest grievance index ratio of 1.28 in keeping 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 similar variety of shopper complaints because the median.
AssuranceAmerica just isn’t accredited by the Higher Enterprise Bureau (BBB), however it has an A+ score. This implies the BBB believes the corporate interacts positively with its drivers. Nonetheless, out of a median of 15 buyer evaluations, the corporate solely has a one-star score out of a potential 5.
Most damaging evaluations contain the claims division. Many drivers state that the adjusters are tough to contact, don’t return telephone calls, or don’t reply questions straight.
Finally, low-cost automotive insurance coverage just isn’t the one factor to search for out of your auto insurance coverage firm. You additionally need to belief that the corporate is straightforward to work with, particularly throughout a traumatic time, like after a automotive accident. So maintain these AssuranceAmerica buyer experiences in thoughts whereas buying round on your finest 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 prospects at an reasonably priced worth. To maintain charges low, the corporate presents very fundamental insurance policies constructed to satisfy the minimal authorized insurance coverage ranges within the 10 states the place it operates. It has a staff of over 4,000 brokers all through these states, together with bilingual brokers for buyer comfort.
Whereas AssuranceAmerica at the moment 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.
Nonetheless, in keeping with the corporate web site, quotes are at the moment not accessible 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 supply protection in these areas sooner or later.
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AssuranceAmerica: The Backside Line
AssuranceAmerica might supply some drivers competitively priced, very fundamental auto insurance coverage insurance policies. Should you’ve struggled to safe protection from different corporations, this nonstandard insurer could also be an honest possibility.
Nonetheless, have in mind the problems some prospects skilled with the claims division.
General, AssuranceAmerica doesn’t present a variety of the advantages different insurance coverage corporations supply to drivers, like a person portal on the web site, a cellular app, optionally available coverage protection add-ons, and a spot to handle or observe claims.
You need to additionally converse with an AssuranceAmerica customer support consultant or your native agent for your whole coverage wants. Some tech-savvy drivers might discover this inconvenient, particularly should you’d choose to handle your coverage on-line.
Most drivers may have a neater time securing cheaper charges with extra protection choices and higher buyer advantages from among the different finest automotive insurance coverage corporations.
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Rachael Brennan
Licensed Insurance coverage Agent
Rachael Brennan has been working within the insurance coverage business since 2006 when she started working as a licensed insurance coverage consultant for twenty first Century Insurance coverage, throughout which era she earned her Property and Casualty license in all 50 states.
After a number of years she expanded her insurance coverage experience, incomes her license in Well being and AD&D insurance coverage as effectively. She has labored for small well being insu…
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