This is the Scoop
- AssuranceAmerica focuses on minimum-limits property and casualty auto insurance coverage
- Charges for AssuranceAmerica automotive insurance coverage price $108 per 30 days 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 battle to safe conventional protection.
On this AssuranceAmerica auto insurance coverage evaluation, learn to request a quote, learn in regards to the claims course of, and evaluate buyer scores 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, you have to dwell 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.
Nonetheless, in case your driving report could be very poor, your quoted fee could also be larger than common.
AssuranceAmerica sells very fundamental forms 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 gives private harm safety (PIP) insurance coverage, medical funds (MedPay) protection, and uninsured or underinsured motorist safety.
However to assist hold charges low, the corporate doesn’t provide many non-obligatory coverage add-ons. So, in case you’re taken with rental automotive reimbursement or roadside help packages, you would possibly take into account trying into different corporations.
AssuranceAmerica additionally doesn’t present a cell app or on-line person portal for purchasers. As an alternative, you have to contact your native agent for many aspects of managing your automotive insurance coverage coverage.
Nonetheless, you’ll be able to pay your AssuranceAmerica automotive insurance coverage invoice on the corporate web site, however a $5.50 comfort charge might apply. In any other case, to pay your invoice, name the corporate immediately, 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 telephone, name 1-800-450-7857. You can even 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. Chances are you’ll use the quote instrument on the corporate web site, name AssuranceAmerica immediately, or communicate with an area agent close to you.
The AssuranceAmerica quote instrument is positioned 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 short type asking on your ZIP code, age, and automotive make and mannequin. Fill it out in truth for a extra correct quote. The speed is topic to alter after finalizing your software.
For those who’d slightly join with an individual straight away, you’ll be able to enter your ZIP code into the agent locator instrument offered on the corporate web site.
Lastly, for these taken with 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. Nonetheless, sources recommend the essential protection insurance policies from this firm price $108 per 30 days or $1,300 per 12 months on common. To find out in case your fee is aggressive, evaluate it to quotes from different high automotive insurance coverage corporations.
You may also take into account evaluating your quote to the common price of protection within the state the place you reside.
The desk beneath exhibits the common annual auto insurance coverage expenditures within the 10 states the place AssuranceAmerica operates, with information from the Insurance coverage Data 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.
Nonetheless, 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 commonplace 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 will 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 means of Friday from 8 a.m. to five p.m. EST. For that reason, some clients negatively evaluation the claims division.
Individuals say the AssuranceAmerica claims adjusters may be troublesome to contact, and turnaround occasions are sometimes gradual.
If it’s essential to submit any paperwork together with your declare, an AssuranceAmerica mailing handle, 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 would possibly take. Take into account reaching out to your native agent for extra customized help if mandatory.
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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 type asks in case 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 out there in some places.
It’s value asking the native AssuranceAmerica agent you join with in regards to the fee reductions out there to you.
Simply bear in mind that nonstandard insurance coverage corporations like AssuranceAmerica normally don’t provide 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 properly 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 clients.
AssuranceAmerica has not been ranked by any main credit standing companies like A.M. Finest.
Sadly, this implies we can’t communicate in regards to the monetary stability of this firm, however when it comes to buyer satisfaction, AssuranceAmerica presently has an honest grievance index ratio of 1.28 based on the Nationwide Affiliation of Insurance coverage Commissioners (NAIC).
The median is at all times set to succeed in 1.00, implying that AssuranceAmerica obtained across the similar variety of client complaints because the median.
AssuranceAmerica isn’t accredited by the Higher Enterprise Bureau (BBB), but it surely has an A+ ranking. This implies the BBB believes the corporate interacts positively with its drivers. Nonetheless, out of a mean of 15 buyer evaluations, the corporate solely has a one-star ranking out of a doable 5.
Most unfavorable evaluations contain the claims division. Many drivers state that the adjusters are troublesome to contact, don’t return telephone calls, or don’t reply questions immediately.
Finally, low-cost automotive insurance coverage 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 hectic time, like after a automotive accident. So hold these AssuranceAmerica buyer experiences in thoughts whereas buying round on 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 workplaces in Alabama, Florida, and Texas.
The present president of AssuranceAmerica is Joseph J. Skruck.
AssuranceAmerica focuses on promoting insurance coverage to clients at an inexpensive value. To maintain charges low, the corporate gives 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 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.
Nonetheless, based on 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. For those who’ve struggled to safe protection from different corporations, this nonstandard insurer could also be an honest choice.
Nonetheless, take into accout the problems some clients skilled with the claims division.
Total, AssuranceAmerica doesn’t present loads of the advantages different insurance coverage corporations provide to drivers, like a person portal on the web site, a cell app, non-obligatory coverage protection add-ons, and a spot to handle or observe claims.
You will need to additionally communicate with an AssuranceAmerica customer support consultant or your native agent for your entire coverage wants. Some tech-savvy drivers might discover this inconvenient, particularly in case you’d desire to handle your coverage on-line.
Most drivers could have a neater time securing cheaper charges with extra protection choices and higher buyer advantages from a number of the different greatest automotive insurance coverage corporations.
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Rachael Brennan
Licensed Insurance coverage Agent
Rachael Brennan has been working within the insurance coverage trade 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 properly. She has labored for small well being insu…
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