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 assessment, 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, you need to stay 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 may be very poor, your quoted charge could also be larger than common.

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

However to assist hold charges low, the corporate doesn’t supply many optionally available coverage add-ons. So, when you’re fascinated with rental automotive reimbursement or roadside help packages, you would possibly contemplate trying into different firms.

AssuranceAmerica additionally doesn’t present a cellular app or on-line person portal for purchasers. As a substitute, you need to 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 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 too can electronic mail [email protected]

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 software on the corporate web site, name AssuranceAmerica instantly, or converse 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 short 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 alter after finalizing your software.

Should you’d reasonably join with an individual immediately, you possibly can enter your ZIP code into the agent locator software offered 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 should not publicly accessible. Nonetheless, 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 charge is aggressive, examine it to quotes from different prime automotive insurance coverage firms.

You may additionally contemplate 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 knowledge from the Insurance coverage Data Institute (III).

Common Annual Auto Insurance coverage Expenditures by State

Like most different automotive insurance coverage firms, AssuranceAmerica bases your charges on components 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 could 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 solution to submit a automotive insurance coverage declare with AssuranceAmerica is over the cellphone. You 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 way of Friday from 8 a.m. to five p.m. EST. For that reason, some clients negatively assessment the claims division.

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

If you’ll want 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 would possibly take. Contemplate reaching out to your native agent for extra customized help if needed.

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

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

Simply remember that nonstandard insurance coverage firms like AssuranceAmerica normally don’t supply as many saving alternatives as conventional insurance coverage firms like Geico or Progressive.

What are the AssuranceAmerica rankings and critiques?

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 critiques from actual clients.

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

Sadly, this implies we can’t converse concerning the monetary stability of this firm, however by way of buyer satisfaction, AssuranceAmerica presently 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 achieve 1.00, implying that AssuranceAmerica obtained across the similar variety of shopper complaints because the median.

AssuranceAmerica shouldn’t be 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 median of 15 buyer critiques, the corporate solely has a one-star ranking out of a doable 5.

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

Finally, low cost automotive insurance coverage shouldn’t be 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 hectic time, like after a automotive accident. So hold these AssuranceAmerica buyer experiences in thoughts whereas buying 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 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 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 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 extra states.

Nonetheless, in keeping with the corporate web site, quotes are presently 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 places sooner or later.

AssuranceAmerica: The Backside Line

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

Nonetheless, be mindful the problems some clients skilled with the claims division.

General, AssuranceAmerica doesn’t present lots of the advantages different insurance coverage firms 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 when you’d choose 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 among the different finest automotive insurance coverage firms.