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AssuranceAmerica Auto Insurance coverage Assessment

AssuranceAmerica Auto Insurance coverage Assessment


This is the Scoop

  • AssuranceAmerica focuses on minimum-limits property and casualty auto insurance coverage
  • Charges for AssuranceAmerica automobile 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 unbiased 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 overview, 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 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 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 may be very poor, your quoted charge could also be greater than common.

AssuranceAmerica sells very fundamental sorts of automobile insurance coverage, together with bodily harm and property injury 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 hold charges low, the corporate doesn’t provide many optionally available coverage add-ons. So, for those who’re eager about rental automobile reimbursement or roadside help packages, you would possibly think about trying into different firms.

AssuranceAmerica additionally doesn’t present a cell app or on-line consumer portal for patrons. As an alternative, 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 payment could 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:

PO Field 933792
Atlanta, GA 31193-3792

To contact AssuranceAmerica customer support over the telephone, name 1-800-450-7857. You too can e-mail [email protected]

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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. You could use the quote device on the corporate web site, name AssuranceAmerica instantly, or converse with a neighborhood 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 quick 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 utility.

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

Lastly, for these eager about 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 recommend the essential protection insurance policies from this firm value $108 per thirty days or $1,300 per yr on common. To find out in case your charge is aggressive, evaluate it to quotes from different prime automobile insurance coverage firms.

You may also think about evaluating your quote to the common value 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).

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 elements like your age, ZIP code, driving file, 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 could be greater than common. Excessive-risk automobile 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 method to submit a automobile insurance coverage declare with AssuranceAmerica is over the telephone. You should 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 means of Friday from 8 a.m. to five p.m. EST. For that reason, some prospects negatively overview the claims division.

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

If you might want 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 would possibly take. Think about 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.

Nevertheless, the web quote type 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 obtainable in some areas.

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

Simply bear in mind that nonstandard insurance coverage firms like AssuranceAmerica normally don’t provide as many saving alternatives as conventional insurance coverage firms like Geico or Progressive.

What are the AssuranceAmerica scores and evaluations?

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 have a look at evaluations 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 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 response to 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 identical variety of client complaints because the median.

AssuranceAmerica is just not accredited by the Higher Enterprise Bureau (BBB), nevertheless 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 evaluations, the corporate solely has a one-star ranking out of a potential 5.

Most destructive evaluations 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.

In the end, low cost automobile 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 simple to work with, particularly throughout a worrying time, like after a automobile accident. So hold 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 prospects at an reasonably priced value. To maintain charges low, the corporate provides very fundamental insurance policies constructed to fulfill the minimal authorized insurance coverage ranges within the 10 states the place it operates. It has a crew 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 response to the corporate web site, quotes are at the moment 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 provide protection in these areas sooner or later.

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AssuranceAmerica: The Backside Line

AssuranceAmerica could provide some drivers competitively priced, very fundamental auto insurance coverage insurance policies. If you happen to’ve struggled to safe protection from different firms, this nonstandard insurer could also be an honest choice.

Nevertheless, take into account the problems some prospects skilled with the claims division.

Total, AssuranceAmerica doesn’t present a variety 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.

You should 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 greatest automobile insurance coverage firms.

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

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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 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 effectively. She has labored for small well being insu…

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Rachael Brennan

Licensed Insurance coverage Agent

Rachael Brennan



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