AssuranceAmerica Insurance Review & Complaints: Car Insurance (2023)

Finding the right insurance company is critical, especially when insuring an important asset like your car. Your driving record plays a huge role in calculating your car insurance premiums. Insurance companies assess this to determine your risk factor. And naturally, high-risk drivers will pay more.

Generally, it’s much more difficult to acquire car insurance if you have an unfavorable driving history. Some companies may even deny you coverage if they deem your case high-risk. So this is where AssuranceAmerica insurance company comes in. They offer non-standard auto insurance policies for high-risk drivers who find it difficult to obtain traditional insurance.

This guide will discuss the AssuranceAmerica Insurance Company in more detail. Read on to learn more about where they operate, what type of insurance coverage they offer, and what customers say.

Overview of AssuranceAmerica Insurance Company

AssuranceAmerica Insurance Company is a subsidiary of AssuranceAmerica, a licensed insurance company established in 1998. Since then, the company has grown to comprise a network of over 4,000 independent agents. It’s headquartered in Atlanta, GA, and operates in 10 states, including:

• Alabama
• Arizona
• Florida
• Georgia
• Indiana
• Missouri
• Nebraska
• South Carolina
• Texas
• Virginia

Aside from AssuranceAmerica Insurance Company, other subsidiaries of AssuranceAmerica include AssuranceAmerica Managing General Agency, LLC, InsureMax Insurance Company, and Trustway Insurance Agency.

What type of insurance does AssuranceAmerica offer?

AssuranceAmerica offers affordable property and casualty insurance to non-standard drivers in the private automobile industry. Specifically, their insurance policies are suitable for drivers who:

• Need to file an SR-22 or FR-44 form
• Are unable to get insurance from standard companies
• Only intend to purchase minimum auto insurance coverage
• Received multiple speeding tickets
• Have been through many car accidents in the past year or so
• Have bad credit

As you can see, AssuranceAmerica’s policies generally cater to drivers who have poor driving records, which makes it more difficult to get approved for auto insurance by standard companies.

AssuranceAmerica Insurance Coverage Options

Since AssuranceAmerica car insurance mainly caters to high-risk drivers, their coverage options are not as extensive. However, you’ll be able to meet the minimum state requirements and get a few upgrades if you’re interested in added protection.

Minimum Coverage

Minimum coverage policies provide only the minimum amount of liability insurance mandated by your state. For example, liability insurance covers the cost of property damage or bodily injuries inflicted on a third party if you’re at fault in a car accident. While you can opt for a higher limit with a standard insurance company, AssuranceAmerica only offers the minimum amount.

Full Coverage

Full coverage policies also include the minimum liability insurance requirements. However, in addition to this, they also come with:

• Collision Insurance: This insurance covers the costs incurred in repairing or replacing your car in the event of a collision with other vehicles or objects.
• Comprehensive Insurance: Comprehensive insurance essentially covers vehicle damage caused by events other than a collision—usually those out of your control. These include theft, fire, vandalism, and hail.

Generally, full coverage policies are in the middle of the tiers. Thus, if you want more than just the minimum coverage but can’t afford a premium policy, AssuranceAmerica may be a good choice.

Premium Coverage

Premium coverage policies are the most comprehensive in AssuranceAmerica’s roster. Thus, they include everything in minimum and full coverage—liability, collision, and comprehensive insurance—but also provide the following:

• Uninsured Motorist Insurance: This insurance acts as a safety net to protect you from losses if you get into an accident and the driver at fault doesn’t have enough insurance to cover the damages.
• Medical Payments Insurance: Also known as MedPay, medical payments insurance covers your and your passengers’ medical expenses in a car accident, regardless of who caused it.

Overall, premium policies are the most comprehensive among AssuranceAmerica’s choices, so you can consider this if you want as much coverage as possible.

Other Customization

Beyond choosing from the three coverage tiers, you can also customize your policy with the following add-ons:

• Personal Injury Protection (PIP): PIP helps cover medical expenses, lost income payments, rehabilitation services, and other costs that may arise from a car accident. Like MedPay, PIP coverage is applicable regardless of who’s at fault. This coverage is required by law in some states and is an option in others.
• Towing: If you want to be covered for emergency towing services when your car breaks down, you can add this coverage to your policy.
• Accidental Death: This optional coverage involves providing a payout to your family or beneficiaries if a car accident causes your death or the permanent loss of limbs.

Aside from this, AssuranceAmerica can also help you include an SR-22 or FR-44 form—depending on where you live—to submit to the Department of Motor Vehicles (DMVs). These forms prove that you have the minimum auto insurance requirements. In addition, they’re usually required to get their license reinstated after a DUI case or similar violation.

AssuranceAmerica Insurance Discounts

Similar to coverage levels, AssuranceAmerica’s discount options are not as extensive as other insurance companies due to their target customer base. However, you may still be eligible for certain discounts, including:

• Homeowner discount if you own a home
• Military discount if you’re on active duty or have served in the military
• Warehouse club member discount if you’re a member of Sam’s Club, Costco, or BJ’s Wholesale
• Prior insurance discount if you provide proof of your prior insurance

Make sure to discuss the possible discounts with your local agent to maximize your cost savings. They can help verify which discounts apply to you to make the process easier.

Cost of AssuranceAmerica Insurance

Like other insurance companies, AssuranceAmerica calculates premiums based on different factors. Beyond your coverage level, the two main factors they consider are your state and driving record:

• State: Each state has specific minimum requirements for car insurance, so the costs may vary based on where you live.
• Driving Record: While AssuranceAmerica caters to high-risk drivers, they still consider the degree of risk associated with each client.

Like other companies, AssuranceAmerica also considers various things in calculating insurance costs, so it’s hard to pinpoint a specific amount. Given that they handle non-standard situations, their policies will usually be higher than the average. However, in most cases, you’d be able to get more affordable policies from them than with standard companies.

AssuranceAmerica Customer Service

One unique thing about AssuranceAmerica insurance is its customer service. Most interactions happen over the phone or in person instead of online to provide a personalized experience to each client.

The company doesn’t have a mobile app or telematics program, so you’ll need to call the AssuranceAmerica phone number or contact your local agent to make any changes to your policy.

At AssuranceAmerica, adding a vehicle, processing cancellations, changing coverage levels, and other interactions are all done directly with your agent.

Fortunately, you can pay your monthly premiums online through your AssuranceAmerica insurance login. However, when filing AssuranceAmerica insurance claims, you’ll have to speak with your agent directly to coordinate the next steps. The good news is that the company offers 24/7 claims reporting, so you can reach them immediately if you get into a car accident.

AssuranceAmerica Claims Process

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

AssuranceAmerica Insurance Company aims to provide a straightforward process for filing claims. While they do not offer a mobile app for claims, they offer a 24/7 claims reporting service. Customers can file claims over the phone by contacting their local agent directly. This personalized approach ensures that clients receive immediate assistance and guidance when reporting a claim.

Average Claim Processing Time

AssuranceAmerica Insurance Company is committed to efficient claim processing. However, the average claim processing time can vary depending on the complexity of the claim and the specific circumstances. It’s advisable to contact your local agent to inquire about the estimated processing time for your claim.

Customer Feedback on Claim Resolutions and Payouts

AssuranceAmerica Insurance Company has received mixed feedback regarding claim resolutions and payouts. While some customers have reported positive experiences with timely and fair claim resolutions, others have expressed concerns about the process.

It’s essential to communicate closely with your local agent and provide all necessary documentation to ensure a smoother claims experience.

Digital and Technological Features of AssuranceAmerica

Mobile App Features and Functionality

AssuranceAmerica Insurance Company does not currently offer a mobile app for policy management or claims filing. However, they provide other avenues for customer interaction, primarily through phone and in-person communication with local agents. While a mobile app could enhance convenience, AssuranceAmerica prioritizes a personalized experience for its clients.

Online Account Management Capabilities

AssuranceAmerica Insurance Company offers online account management capabilities through their website. Customers can access their accounts, view policy details, and make online premium payments. This web-based platform provides convenient access to essential policy information and payment options.

Digital Tools and Resources

AssuranceAmerica Insurance Company offers digital tools and resources on their website to assist customers in understanding their policies and insurance options. These resources include educational articles and frequently asked questions to help policyholders make informed decisions about their coverage.

AssuranceAmerica Ratings and Reviews

AssuranceAmerica currently has an A+ rating from the Better Business Bureau (BBB). However, the National Association of Insurance Commissioners (NAIC) Complaint Index is also higher than average. While this is a common occurrence observed among non-standard insurers, it’s still important to look up past client experiences to better understand how the company works.

Final Thoughts

Ultimately, AssuranceAmerica insurance is best for drivers who find it difficult to get a policy from standard companies because they are deemed high-risk due to their driving records. Their coverage options are sufficient to help you meet the minimum state requirements to ensure that you can drive legally.

You can expect AssuranceAmerica’s rates to be slightly higher than the average since they’re catering to high-risk drivers. So, as always, it’s highly recommended that you compare car insurance rates before finalizing a policy. You can also check out the top companies for getting auto insurance after a DUI case to browse through your options in detail.