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AssuranceAmerica Auto Insurance coverage Assessment

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, we’ve got 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 Companies
Chris Huntley

Rachael Brennan has been working within the insurance coverage trade 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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This is the Scoop

  • AssuranceAmerica focuses on minimum-limits property and casualty auto insurance coverage
  • Charges for AssuranceAmerica automobile 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 unbiased 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 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 effective match for you.

What’s AssuranceAmerica?

AssuranceAmerica sells minimum-limit property and casualty automobile insurance coverage insurance policies in 10 states. On this occasion, property and casualty insurance coverage refers explicitly to these states’ minimal authorized automobile insurance coverage necessities.

To purchase an AssuranceAmerica insurance coverage coverage, you should reside 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 fee could also be greater than common.

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

However to assist maintain charges low, the corporate doesn’t provide many optionally available coverage add-ons. So, in case you’re excited by rental automobile reimbursement or roadside help packages, you may contemplate wanting into different firms.

AssuranceAmerica additionally doesn’t present a cell app or on-line consumer portal for patrons. As a substitute, you should contact your native agent for many sides of managing your automobile insurance coverage coverage.

Nevertheless, you’ll be able to pay your AssuranceAmerica automobile insurance coverage invoice on the corporate web site, however a $5.50 comfort charge might apply. In any other case, to pay your invoice, name the corporate instantly, contact or go to your native agent, or mail the cost to:

PO Field 933792
Atlanta, GA 31193-3792

To contact AssuranceAmerica customer support over the telephone, name 1-800-450-7857. You can even e-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 automobile insurance coverage quote from AssuranceAmerica. It’s possible you’ll use the quote instrument on the corporate web site, name AssuranceAmerica instantly, or converse with an area agent close to you.

The AssuranceAmerica quote instrument is positioned 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 automobile make and mannequin. Fill it out honestly for a extra correct quote. The speed is topic to vary after finalizing your software.

For those who’d reasonably join with an individual immediately, you’ll be able to enter your ZIP code into the agent locator instrument offered on the corporate web site.

Lastly, for these excited by 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 accessible. Nevertheless, sources recommend the fundamental 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, evaluate it to quotes from different high automobile insurance coverage firms.

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 automobile insurance coverage firms, AssuranceAmerica bases your charges on components like your age, ZIP code, driving file, 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 likely to be greater than common. Excessive-risk automobile 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 approach to submit a automobile insurance coverage declare with AssuranceAmerica is over the telephone. It’s essential 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. Because of this, some clients negatively evaluation the claims division.

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

If you might want to submit any paperwork together with your declare, an AssuranceAmerica mailing handle, 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 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 net quote type asks in case 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 value asking the native AssuranceAmerica agent you join with concerning the fee reductions accessible to you.

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

What are the AssuranceAmerica scores and opinions?

That can assist 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 opinions from actual clients.

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

Sadly, this implies we can’t converse concerning the monetary stability of this firm, however when it comes to buyer satisfaction, AssuranceAmerica at the moment has an honest 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 succeed in 1.00, implying that AssuranceAmerica acquired across the similar variety of client complaints because the median.

AssuranceAmerica just isn’t 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 median of 15 buyer opinions, the corporate solely has a one-star ranking out of a potential 5.

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

Finally, low-cost automobile insurance coverage just isn’t the one factor to search for out of your auto insurance coverage firm. You additionally need to belief that the corporate is straightforward to work with, particularly throughout a traumatic time, like after a automobile accident. So maintain these AssuranceAmerica buyer experiences in thoughts whereas buying round in your greatest 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 inexpensive value. To maintain charges low, the corporate affords very primary 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 automobile 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 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 firms 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. For those who’ve struggled to safe protection from different firms, this nonstandard insurer could also be an honest choice.

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

General, AssuranceAmerica doesn’t present quite a lot of the advantages different insurance coverage firms provide to drivers, like a consumer portal on the web site, a cell app, optionally available 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 few of the different greatest automobile insurance coverage firms.



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