AssuranceAmerica Auto Insurance coverage Overview


Here is the Scoop

  • AssuranceAmerica focuses on minimum-limits property and casualty auto insurance coverage
  • Charges for AssuranceAmerica automotive insurance coverage price $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 assessment, discover ways to request a quote, learn in regards to 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, it’s essential 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 wrestle to safe protection from conventional insurers.

Nonetheless, in case your driving document could be very poor, your quoted charge could also be increased than common.

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

However to assist maintain charges low, the corporate doesn’t supply many optionally available coverage add-ons. So, for those who’re involved in rental automotive reimbursement or roadside help packages, you may think about trying into different firms.

AssuranceAmerica additionally doesn’t present a cell app or on-line person portal for patrons. As a substitute, it’s essential to contact your native agent for many aspects of managing your automotive insurance coverage coverage.

Nonetheless, you may 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 immediately, 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 cellphone, name 1-800-450-7857. It’s also possible to electronic 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 could use the quote instrument on the corporate web site, name AssuranceAmerica immediately, or converse with a neighborhood 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 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 alter after finalizing your software.

For those who’d fairly join with an individual immediately, you may enter your ZIP code into the agent locator instrument offered on the corporate web site.

Lastly, for these involved in calling AssuranceAmerica to request a quote, dial 1-833-808-7878.

How a lot does AssuranceAmerica auto insurance coverage price on common?

As a result of AssuranceAmerica is a smaller firm, its charges usually are not publicly accessible. Nonetheless, sources counsel the fundamental protection insurance policies from this firm price $108 monthly or $1,300 per 12 months on common. To find out in case your charge is aggressive, evaluate it to quotes from different prime automotive insurance coverage firms.

You may also think about evaluating your quote to the common price of protection within the state the place you reside.

The desk under reveals the common annual auto insurance coverage expenditures within the 10 states the place AssuranceAmerica operates, with knowledge from the Insurance coverage Info Institute (III).

Like most different automotive insurance coverage firms, AssuranceAmerica bases your charges on elements like your age, ZIP code, driving document, and car make and mannequin.

Nonetheless, as a result of this can be a nonstandard insurance coverage firm that primarily underwrites insurance policies for higher-risk drivers, quotes could be increased than common. Excessive-risk automotive insurance coverage could price 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 cellphone. You could name the toll-free claims division cellphone quantity at 1-888-580-8134.

You’ll be able to 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. For that reason, some prospects negatively assessment the claims division.

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

If it is advisable to submit any paperwork along 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. Contemplate reaching out to your native agent for extra personalised help if essential.

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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.

Nonetheless, the web quote kind asks for those who’re a house owner or are affiliated with the navy or any warehouse golf equipment. This means 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 charge reductions accessible to you.

Simply bear in mind 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 opinions?

That will help 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 opinions from actual prospects.

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

Sadly, this implies we can not converse in regards to the monetary stability of this firm, however when it comes to 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 identical variety of shopper complaints because the median.

AssuranceAmerica is just not accredited by the Higher Enterprise Bureau (BBB), but it surely has an A+ score. This implies the BBB believes the corporate interacts positively with its drivers. Nonetheless, out of a mean of 15 buyer opinions, the corporate solely has a one-star score out of a attainable 5.

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

In the end, low cost automotive insurance coverage is just not 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 tense time, like after a automotive accident. So maintain these AssuranceAmerica buyer experiences in thoughts whereas procuring 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 places of work in Alabama, Florida, and Texas.

The present president of AssuranceAmerica is Joseph J. Skruck.

AssuranceAmerica focuses on promoting insurance coverage to prospects at an inexpensive 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 staff 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.

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

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AssuranceAmerica: The Backside Line

AssuranceAmerica could supply 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 possibility.

Nonetheless, consider the problems some prospects skilled with the claims division.

General, AssuranceAmerica doesn’t present a variety of the advantages different insurance coverage firms supply to drivers, like a person portal on the web site, a cell app, optionally available coverage protection add-ons, and a spot to handle or monitor claims.

You could additionally converse with an AssuranceAmerica customer support consultant or your native agent for your entire coverage wants. Some tech-savvy drivers could discover this inconvenient, particularly for those who’d desire to handle your coverage on-line.

Most drivers can have a neater time securing cheaper charges with extra protection choices and higher buyer advantages from a number of the different finest automotive insurance coverage firms.

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

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Tonya Sisler

Content material Crew Lead

Tonya Sisler has been a technical insurance coverage author for over 5 years. She makes use of her in depth insurance coverage and finance data to write down informative articles that reply readers’ prime questions. Her mission is to supply readers with well timed, correct info that permits them to find out their insurance coverage wants and select one of the best protection. 
Tonya presently leads a staff of 10 insurance coverage copywri…

Rachael Brennan

Licensed Insurance coverage Agent

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 period 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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