AssuranceAmerica Auto Insurance coverage Assessment


Here is the Scoop

  • AssuranceAmerica makes a speciality of minimum-limits property and casualty auto insurance coverage
  • Charges for AssuranceAmerica automotive insurance coverage value $108 per 30 days or $1,300 yearly on common
  • AssuranceAmerica operates in 10 states and has a community of over 4,000 impartial 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 assessment, discover ways to request a quote, learn in regards to the claims course of, and examine 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 need 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 document may be very poor, your quoted fee could also be greater than common.

AssuranceAmerica sells very fundamental varieties 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 preserve charges low, the corporate doesn’t provide many non-compulsory coverage add-ons. So, in case you’re considering rental automotive reimbursement or roadside help packages, you would possibly contemplate trying into different corporations.

AssuranceAmerica additionally doesn’t present a cell app or on-line consumer portal for purchasers. As a substitute, you need to contact your native agent for many sides 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:

PO Field 933792
Atlanta, GA 31193-3792

To contact AssuranceAmerica customer support over the cellphone, name 1-800-450-7857. It’s also possible to 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 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 quick type 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 vary after finalizing your utility.

In case you’d slightly join with an individual instantly, you possibly can enter your ZIP code into the agent locator software offered on the corporate web site.

Lastly, for these considering 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 aren’t publicly accessible. Nevertheless, sources counsel the essential protection insurance policies from this firm value $108 per 30 days 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 contemplate 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 information from the Insurance coverage Info Institute (III).

Common Annual Auto Insurance coverage Expenditures by State

States Common Annual Auto Insurance coverage Expenditures
Alabama $932.14
Arizona $1,063.93
Florida $1,414.17
Georgia $1,259.49
Indiana $777.05
Missouri $929.91
Nebraska $807.30
South Carolina $1,114.90
Texas $1,143.85
Virginia $861.18
Countrywide common $1,070.47

Like most different automotive insurance coverage corporations, AssuranceAmerica bases your charges on elements like your age, ZIP code, driving document, 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 perhaps greater than common. Excessive-risk automotive insurance coverage might value as a lot as 84% greater than commonplace 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. It’s essential 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 means of Friday from 8 a.m. to five p.m. EST. Because of this, some clients negatively assessment the claims division.

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

If it is advisable submit any paperwork together 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 would possibly take. Take into account reaching out to your native agent for extra customized help if vital.

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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 type asks in case you’re a house owner or are affiliated with the navy or any warehouse golf equipment. This suggests a house 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 in regards to the fee reductions accessible to you.

Simply remember 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 critiques?

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

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

Sadly, this implies we can’t converse in regards to the monetary stability of this firm, however when it comes to buyer satisfaction, AssuranceAmerica at the moment has a good grievance index ratio of 1.28 in line with the Nationwide Affiliation of Insurance coverage Commissioners (NAIC).

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

AssuranceAmerica shouldn’t be 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 mean of 15 buyer critiques, the corporate solely has a one-star score out of a attainable 5.

Most damaging 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 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 nerve-racking time, like after a automotive accident. So preserve these AssuranceAmerica buyer experiences in thoughts whereas purchasing 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 clients 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 workforce 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 extra states.

Nevertheless, in line 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 provide protection in these places sooner or later.

Enter your ZIP code under to view corporations which have low-cost insurance coverage charges.

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AssuranceAmerica: The Backside Line

AssuranceAmerica might provide some drivers competitively priced, very fundamental auto insurance coverage insurance policies. In case you’ve struggled to safe protection from different corporations, this nonstandard insurer could also be a good possibility.

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

Total, 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, non-compulsory coverage protection add-ons, and a spot to handle or observe claims.

It’s essential 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 in case you’d choose 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 automotive insurance coverage corporations.

Enter your ZIP code under to view corporations which have low-cost insurance coverage charges.

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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 very best insurance coverage for them.
Since then, we now have grown into nationwide manufacturers with a big workforce of researchers serving to individuals perceive all types of insurance coverage.

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Written by

Chris Huntley
Founding father of Huntley Wealth & Insurance coverage Companies
Chris Huntley

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 nicely. She has labored for small well being insu…

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Reviewed by

Rachael Brennan

Licensed Insurance coverage Agent

Rachael Brennan


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