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AssuranceAmerica Auto Insurance coverage Overview

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

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Chris Huntley

Founding father of Huntley Wealth & Insurance coverage Providers

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 effectively. She has labored for small well being insu…

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Reviewed by

Rachael Brennan

Licensed Insurance coverage Agent

Rachael Brennan

UPDATED: Apr 1, 2022

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Here is the Scoop

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

On this AssuranceAmerica auto insurance coverage evaluation, discover ways to request a quote, learn concerning 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 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.

Nevertheless, in case your driving file could be very poor, your quoted price could also be larger than common.

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

However to assist preserve charges low, the corporate doesn’t supply many optionally available coverage add-ons. So, in case you’re keen on rental automotive reimbursement or roadside help packages, you may take into account wanting into different firms.

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

Nevertheless, you’ll be able to pay your AssuranceAmerica automotive insurance coverage invoice on the corporate web site, however a $5.50 comfort payment could apply. In any other case, to pay your invoice, name the corporate straight, 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 even electronic mail [email protected]

Enter your ZIP code under 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 automotive insurance coverage quote from AssuranceAmerica. Chances are you’ll use the quote instrument on the corporate web site, name AssuranceAmerica straight, or communicate with an area agent close to you.

The AssuranceAmerica quote instrument 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 kind asking to your ZIP code, age, and automotive make and mannequin. Fill it out in truth for a extra correct quote. The speed is topic to vary after finalizing your software.

If you happen to’d quite join with an individual instantly, you’ll be able to enter your ZIP code into the agent locator instrument supplied on the corporate web site.

Lastly, for these keen 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 will not be publicly obtainable. Nevertheless, sources counsel the essential protection insurance policies from this firm value $108 monthly or $1,300 per 12 months on common. To find out in case your price is aggressive, evaluate it to quotes from different high automotive insurance coverage firms.

You may also take into account 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 Data 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 firms, AssuranceAmerica bases your charges on components like your age, ZIP code, driving file, and automobile 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 could be larger than common. Excessive-risk automotive insurance coverage could value as a lot as 84% greater than normal auto insurance coverage protection.

How do you file auto insurance coverage claims?

The one option 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 via Friday from 8 a.m. to five p.m. EST. For that reason, some clients negatively evaluation the claims division.

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

If it’s essential 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. Take into account reaching out to your native agent for extra customized help if vital.

Enter your ZIP code under 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 areas.

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

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

What are the AssuranceAmerica scores and evaluations?

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 take a look at evaluations from actual clients.

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

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

The median is all the time set to achieve 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), however it has an A+ ranking. This implies the BBB believes the corporate interacts positively with its drivers. Nevertheless, out of a mean of 15 buyer evaluations, the corporate solely has a one-star ranking out of a doable 5.

Most damaging 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 straight.

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 annoying time, like after a automotive accident. So preserve 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 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 reasonably priced worth. To maintain charges low, the corporate provides very primary insurance policies constructed to fulfill 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 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.

Nevertheless, in line with the corporate web site, quotes are presently 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 could supply protection in these areas sooner or later.

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

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AssuranceAmerica: The Backside Line

AssuranceAmerica could supply some drivers competitively priced, very primary auto insurance coverage insurance policies. If you happen to’ve struggled to safe protection from different firms, 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 loads 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 will need to additionally communicate with an AssuranceAmerica customer support consultant or your native agent for your entire coverage wants. Some tech-savvy drivers could discover this inconvenient, particularly in case you’d choose to handle your coverage on-line.

Most drivers can 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 firms.



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