AssuranceAmerica Insurance Company Review
AssuranceAmerica Company at a Glance
- AssuranceAmerica is a small car insurance company that primarily caters to the non-standard market in Alabama, Arizona, Florida, Georgia, Indiana, Missouri, Nebraska, South Carolina, Texas, and Virginia
- Headquartered in Atlanta, GA
- AssuranceAmerica depends on a network of independent insurance agencies to sell policies
- Founded in 1998
- Rated A+ by the Better Business Bureau
AssuranceAmerican pros: AssuranceAmerica provides auto insurance to high-risk drivers with a history of collisions, infractions, or spotty insurance payments. The company offers an online find an agent tool, online quoting capability, 24/7 claims reporting, and an online customer self-service site where customers can make a payment and more. The company is rated A+ by the BBB.
AssuranceAmerica cons: AssuranceAmerica auto insurance coverage is available in only 10 states. The carrier targets customers that are high-risk drivers with speeding tickets, accidents, or DUIs on their records. AssuranceAmerica has not been rated by AM Best, and some online customer satisfaction reviews are negative.
What Type of Insurance Does AssuranceAmerica Offer?
AssuranceAmerica offers only auto insurance for certain high-risk drivers in the following states.
- South Carolina
If you live and drive in one of these states and are having trouble finding auto insurance because of your driving record, contact a local independent insurance agent to learn more about the coverage offered by AssuranceAmerica.
Using our insurance company directory can help you find the best insurance companies that specialize in your specific coverage needs. The company directory can also help you get connected to an agent near you.
What to Know about AssuranceAmerica
Founded in 1998, AssuranceAmerica is a privately held company that provides property and casualty insurance to the non-standard private automobile segment.
AssuranceAmerica is headquartered in Atlanta, GA, and also operates in Birmingham, AL, Tampa, FL, and Dallas and McAllen, TX, through its subsidiaries AssuranceAmerica Insurance Company, AssuranceAmerica Managing General Agency, and InsureMax Insurance Company.
AssuranceAmerica has not been rated by AM Best or any other major financial ratings agency.
What Discounts Does AssuranceAmerica Offer?
Because AssuranceAmerica car insurance works mostly with high-risk drivers, they may not offer as many discounts as other car insurance companies. But the company may offer the following discounts to certain customers.
- Proof of prior auto insurance discount: Offer proof of your prior insurance to receive an AssuranceAmerica discount on your next auto policy
- Homeowner discount: Policyholders who own their homes may be eligible for some savings
- Military discount: Those who have served in the armed forces can receive a military discount upon proof of active service
- Warehouse club member discount: Members of Sam’s Club, Costco, and BJ’s can qualify for this discount
Be sure to speak with your independent insurance agent about any discounts that you may qualify for from AssuranceAmerica.
AssuranceAmerica Customer Service
Here's what to know about AssuranceAmerica’s customer service options.
- Customers can contact AssuranceAmerica via phone, fax, or email
- Customer service office hours have the following restrictions
|Monday-Friday||8:30 am - 7:00 pm|
AssuranceAmerica’s customers are encouraged to work with their independent insurance agents, who can provide even more personalized service. If you have questions or concerns about your policy, an independent agent can advocate on your behalf.
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What is AssuranceAmerica’s average claims response time frame?
AssuranceAmerica does not publish information about its average claims response time.
What is AssuranceAmerica’s customer service availability?
Customer service is available by phone, by email, and by fax. The company offers an online find an agent tool, online quoting capability, 24/7 claims reporting, and an online customer self-service site where customers can make a payment and more.
What is AssuranceAmerica’s claims process?
Claims can be reported to AssuranceAmerica 24/7 by phone. Regular claims service hours are Monday through Friday, 8:00 am to 5:00 pm EST. Claim information can also be sent to AssuranceAmerica by regular mail, and can be reported online through the company’s online self-service tool.
Does AssuranceAmerica insurance create a user-friendly experience for customers?
AssuranceAmerica has an easy to navigate website that offers some options for online self-service, including making payments, finding an agent, and reporting claims. Customers will find the most personalized service by contacting their independent insurance agents.
Does AssuranceAmerica have good auto insurance?
AssuranceAmerica offers three tiers of auto insurance coverage for high-risk drivers, allowing these drivers the ability to meet the insurance requirements of their states and drive legally.
- Minimum coverage: Provides only need the legal minimum insurance coverage required by your state
- Full coverage: Includes comprehensive and collision coverage for your vehicle, in addition to liability insurance to meet your state’s requirements
- Premium coverage: Includes liability coverage, comprehensive and collision coverage, uninsured motorist coverage, and medical payments coverage
Auto insurance from AssuranceAmerica can be customized with the option of adding personal injury protection (PIP), towing, and accidental death coverage. The company does not offer liability coverage that is greater than the minimum amount required by your state. Customers cannot raise their liability insurance limits.
Is AssuranceAmerica a good insurance company?
AssuranceAmerica offers high-risk drivers a chance to obtain insurance coverage and drive legally. The company serves an important purpose for individuals who otherwise may not be able to get affordable coverage, or any coverage at all. The company is not rated for its financial strength, and its customer satisfaction reviews are mixed. Overall, AssuranceAmerica is a good alternative to explore for high-risk drivers.
AssuranceAmerica Customer Reviews
|“Lately I'm not happy with them, the have raised my 6-month insurance more than $50, and I have had no driving issues or accidents. I just keep them because they are the cheapest company for me.”|
|“Any time I have questions the employees are always so polite, and treat you with respect. With the new website to pay your policy, it's super easy.”|
|“Terrible customer service and antiquated ways of doing things seemingly to make it harder for the customer.”|
TrustedChoice.com's Final Review
We award AssuranceAmerica a final rating of 2.5 out of 5 stars. Customers who need non-standard coverage in order to drive legally because of past issues with their driving record should consider AssuranceAmerica. The company offers three tiers of coverage, so you can protect your own car in addition to simply purchasing state-mandated liability coverage. And you can buy your policy with the help of an independent insurance agent. The company’s find an agent tool will even help you find a local agent.
Unfortunately, AssuranceAmerica does not have any ratings that reflect its financial strength and stability. It’s important to know if an insurance company will be there to pay claims when you need them. Without outside evaluation, it’s impossible to know the exact financial condition of AssuranceAmerica. This should at the very least give prospective customers pause in purchasing a policy.
If, however, a policy fits your needs and budget, AssuranceAmerica may be an option for certain high-risk drivers. If you live in AssuranceAmerica’s service area, you can get help evaluating AssuranceAmerica by working with a local independent insurance agent. You can also find other carriers by using our national carrier directory. The directory can help you locate companies that specialize in your specific coverage needs, and get connected to an agent near you.
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