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AssuranceAmerica Auto Insurance coverage Evaluation

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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 teach and inform individuals about one of the best insurance coverage for them.
Since then, we’ve got grown into nationwide manufacturers with a big group of researchers serving to individuals perceive all types of insurance coverage.

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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 properly. 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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It’s all about you. We wish to make it easier to make the proper protection decisions.

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This is the Scoop

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

On this AssuranceAmerica auto insurance coverage overview, discover ways to request a quote, learn in regards to 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 will 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 document could be very poor, your quoted price could also be larger than common.

AssuranceAmerica sells very primary kinds 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 presents 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 provide many non-obligatory coverage add-ons. So, if you happen to’re focused on rental automotive reimbursement or roadside help packages, you may contemplate trying into different corporations.

AssuranceAmerica additionally doesn’t present a cellular app or on-line consumer portal for patrons. As an alternative, you will need to contact your native agent for many sides of managing your automotive insurance coverage coverage.

Nevertheless, you may 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:

AssuranceAmerica
PO Field 933792
Atlanta, GA 31193-3792

To contact AssuranceAmerica customer support over the telephone, name 1-800-450-7857. It’s also possible to e mail [email protected]

Enter your ZIP code under to view corporations 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 automotive insurance coverage quote from AssuranceAmerica. You could use the quote device on the corporate web site, name AssuranceAmerica instantly, or communicate with an area 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 short type asking in 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.

If you happen to’d reasonably join with an individual instantly, you may enter your ZIP code into the agent locator device offered on the corporate web site.

Lastly, for these focused on 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 are usually not publicly out there. Nevertheless, sources counsel the essential protection insurance policies from this firm value $108 per thirty days or $1,300 per 12 months on common. To find out in case your price is aggressive, examine it to quotes from different high automotive insurance coverage corporations.

You may additionally 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 knowledge 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 this can be a nonstandard insurance coverage firm that primarily underwrites insurance policies for higher-risk drivers, quotes may be larger than common. Excessive-risk automotive insurance coverage might value as a lot as 84% greater than normal auto insurance coverage protection.

How do you file auto insurance coverage claims?

The one method to submit a automotive insurance coverage declare with AssuranceAmerica is over the telephone. You have to name the toll-free claims division telephone quantity at 1-888-580-8134.

You may 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. Because of this, some clients negatively overview the claims division.

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

If it’s good to 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. Think about reaching out to your native agent for extra personalised help if obligatory.

Enter your ZIP code under to view corporations 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 net quote type asks if you happen to’re a house owner or are affiliated with the army or any warehouse golf equipment. This suggests a house owner low cost, army 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 price 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 rankings and critiques?

That can assist 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 critiques from actual clients.

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

Sadly, this implies we can not communicate in regards to the monetary stability of this firm, however by way of buyer satisfaction, AssuranceAmerica presently has an honest 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 achieve 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. Nevertheless, out of a median of 15 buyer critiques, the corporate solely has a one-star score out of a potential 5.

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

Finally, low-cost automotive insurance coverage just isn’t the one factor to search for out of your auto insurance coverage firm. You additionally wish to belief that the corporate is straightforward to work with, particularly throughout a anxious time, like after a automotive accident. So hold these AssuranceAmerica buyer experiences in thoughts whereas purchasing round in 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 inexpensive value. To maintain charges low, the corporate presents very primary insurance policies constructed to satisfy the minimal authorized insurance coverage ranges within the 10 states the place it operates. It has a group 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.

Nevertheless, in line with 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.

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 primary auto insurance coverage insurance policies. If you happen to’ve struggled to safe protection from different corporations, this nonstandard insurer could also be an honest choice.

Nevertheless, take into accout the problems some clients skilled with the claims division.

Total, AssuranceAmerica doesn’t present numerous the advantages different insurance coverage corporations provide to drivers, like a consumer portal on the web site, a cellular app, non-obligatory coverage protection add-ons, and a spot to handle or observe claims.

You have 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 if you happen to’d favor 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 few of the different finest automotive insurance coverage corporations.

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