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AssuranceAmerica Auto Insurance coverage Evaluate

AssuranceAmerica Auto Insurance coverage Evaluate

I began Insurance coverage Weblog by Chris™ as a result of I’ve a ardour for insurance coverage. Right here on the weblog, our job is to coach and inform individuals about the most effective insurance coverage for them.
Since then, we’ve got grown into nationwide manufacturers with a big crew of researchers serving to individuals perceive all types of insurance coverage.

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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 period 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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Rachael Brennan

Licensed Insurance coverage Agent

Rachael Brennan

UPDATED: Apr 1, 2022

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This is the Scoop

  • AssuranceAmerica focuses on minimum-limits property and casualty auto insurance coverage
  • Charges for AssuranceAmerica automobile insurance coverage price $108 per thirty 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 wrestle to safe conventional protection.

On this AssuranceAmerica auto insurance coverage overview, 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 automobile insurance coverage insurance policies in 10 states. On this occasion, property and casualty insurance coverage refers explicitly to these states’ minimal authorized automobile insurance coverage necessities.

To purchase an AssuranceAmerica insurance coverage coverage, you need 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 wrestle to safe protection from conventional insurers.

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

AssuranceAmerica sells very primary sorts of automobile insurance coverage, together with bodily harm and property harm 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 preserve charges low, the corporate doesn’t provide many non-obligatory coverage add-ons. So, in case you’re fascinated with rental automobile reimbursement or roadside help packages, you may think about wanting into different firms.

AssuranceAmerica additionally doesn’t present a cell app or on-line person portal for patrons. As a substitute, you need to contact your native agent for many aspects of managing your automobile insurance coverage coverage.

Nevertheless, you possibly can pay your AssuranceAmerica automobile 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 immediately, contact or go to your native agent, or mail the fee to:

PO Field 933792
Atlanta, GA 31193-3792

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

Enter your ZIP code beneath to view firms which have low cost insurance coverage charges.

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How do you get AssuranceAmerica auto insurance coverage quotes?

There are 3 ways to request a automobile insurance coverage quote from AssuranceAmerica. It’s possible you’ll use the quote software on the corporate web site, name AssuranceAmerica immediately, or converse with an area agent close to you.

The AssuranceAmerica quote software 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 quick kind asking to your ZIP code, age, and automobile make and mannequin. Fill it out honestly for a extra correct quote. The speed is topic to alter after finalizing your software.

In case you’d slightly 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 fascinated 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 usually are not publicly obtainable. Nevertheless, sources recommend 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, evaluate it to quotes from different prime automobile insurance coverage firms.

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

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

Common Annual Auto Insurance coverage Expenditures by State

StatesCommon Annual Auto Insurance coverage Expenditures
South Carolina$1,114.90
Countrywide common$1,070.47

Like most different automobile insurance coverage firms, AssuranceAmerica bases your charges on components like your age, ZIP code, driving report, and car make and mannequin.

Nevertheless, as a result of it is a nonstandard insurance coverage firm that primarily underwrites insurance policies for higher-risk drivers, quotes is likely to be increased than common. Excessive-risk automobile 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 solution to submit a automobile insurance coverage declare with AssuranceAmerica is over the telephone. You should 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 overview the claims division.

Individuals say the AssuranceAmerica claims adjusters will be tough to contact, and turnaround occasions are sometimes gradual.

If you must submit any paperwork together with your declare, an AssuranceAmerica mailing tackle, 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 customized help if essential.

Enter your ZIP code beneath to view firms which have low cost insurance coverage charges.

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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 web quote kind asks in case you’re a home-owner or are affiliated with the navy or any warehouse golf equipment. This means a home-owner low cost, navy low cost, and group or membership low cost could also be obtainable in some places.

It’s value asking the native AssuranceAmerica agent you join with in regards to the price reductions obtainable to you.

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

What are the AssuranceAmerica scores and critiques?

That can assist 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 take a look at critiques from actual clients.

AssuranceAmerica has not been ranked by any main credit standing companies like A.M. Greatest.

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

The median is at all times set to achieve 1.00, implying that AssuranceAmerica obtained across the identical variety of shopper 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. Nevertheless, out of a mean of 15 buyer critiques, the corporate solely has a one-star ranking out of a doable 5.

Most unfavorable critiques contain the claims division. Many drivers state that the adjusters are tough to contact, don’t return telephone calls, or don’t reply questions immediately.

In the end, low cost automobile 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 anxious time, like after a automobile accident. So preserve these AssuranceAmerica buyer experiences in thoughts whereas purchasing round to 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 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 worth. To maintain charges low, the corporate gives very primary insurance policies constructed to satisfy the minimal authorized insurance coverage ranges within the 10 states the place it operates. It has a crew of over 4,000 brokers all through these states, together with bilingual brokers for buyer comfort.

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

Nevertheless, in keeping with the corporate web site, quotes are at present not obtainable 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.

Enter your ZIP code beneath to view firms which have low cost insurance coverage charges.

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AssuranceAmerica: The Backside Line

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

Nevertheless, have in mind the problems some clients skilled with the claims division.

General, AssuranceAmerica doesn’t present numerous the advantages different insurance coverage firms 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 monitor claims.

You should 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 in case you’d want to handle your coverage on-line.

Most drivers may have a better time securing cheaper charges with extra protection choices and higher buyer advantages from a number of the different finest automobile insurance coverage firms.