American Modern Auto Insurance Review (2024)

American Modern Insurance Group has been around since 1965 and sells casualty and property insurance policies. As far as auto insurance goes, it appears they only offer specialty car coverage such as for classic cars and muscle cars.

The company is made up of six insurance companies and has insurance products for personal watercraft, boats, ATVs, motorcycles, collector vehicles, and recreational vehicles.

In addition, they also have coverage available for vacation homes, homes that are vacant, rental properties that don’t need homeowners coverage.

If you are looking for individual auto insurance, you can enter your ZIP code below and you will be able to compare auto insurance quotes for a variety of companies in your area!

What You Should Know About American Modern Insurance Group

American Modern Insurance Group is extremely financial stable. Since 1998, it has been named one of Ward’s Top 50 Performer and in 2010 SNL named it a Top 10 property and casualty insurer. A.M. Best Company gave American Modern an A+ rating, which is superior.

American Modern has 1.6 million policyholders and is licensed in all 50 states. It is also a part of Munich Re, which is a large insurance organization. It is ranked 73 on the Global 500 list of Fortune Magazine.

American Modern Auto Insurance Contact Information

American Modern Insurance Group is located at 7000 Midland Blvd, Amelia, OH, 45102-2607. Their mailing address is PO Box 5323, Cincinnati, OH, 45201-5323.

There are a couple contact numbers for American Modern Insurance Group:

Get a Quote: 1-866-884-6167
Customer Service: 1-800-543-2644
Report a Claim: 1-800-375-2075

American Modern Auto Insurance Claims

American Modern Insurance Group says that they are able to process auto insurance claims fairly and quickly. One reason for this is that the adjusters for American Modern all take a special training program that is hands-on.

Training includes taking apart and putting together a motorcycle, perform flooring and drywall repair, fixing things such as a hole in a boat, and much more. This training helps the adjusters understand exactly what repairs are needed and how long they will take.

The adjusters also get continuing education and training through phone calls, webinars, and more hands-on classes.

American Modern claims that:

• 80 percent of property claims are settled within a month
• Almost 70 percent of their customers get a call from their adjuster the very same day that they report a loss
• 84 percent will get a call by the next day

To file a claim, there are a couple of ways to go about it. You can call their toll-free number for claims, which is 1-800-375-2075.

You can also call your insurance representative directly or send an email. There is someone available to speak with 7 days a week, 24 hours a day.

American Modern Insurance Group Insurance Coverage Options

One of the specialty insurance American Modern sells is for collector cars. This includes coverage for collector trucks, restorations in progress, autos that are difficult to place like Cobras, trailers, custom and classic motorcycles, military vehicles, fire engines, tractors, and race cars.

Included coverage includes one liability charge, unlimited miles, spare parts, towing, pet coverage, and trip interruption coverage.

American Modern offers optional coverage such as national roadside assistance, foreign coverage, and full safety glass. There are also multiple deductible options that range from $0 to $10,000.

On their website, American Modern gives ideas on how you can save money on your auto insurance policy. Some of the ways include discounts and credits for anti-theft devices, higher-value vehicles and large collections, taking a course on accident prevention, and memberships with a car club or association.

American Modern Auto Insurance and Commercial Insurance

American Modern Auto Insurance Group offers insurance products for businesses. The specialty products are made to match up with the requirements of businesses who want coverage for physical damage of recreational retail inventory, manufactured housing, and rental businesses for watercraft.

The coverage is flexible to work with the size of your business and as it grows. There are extras included that other insurance companies charge for, and the policies help make the administration of reporting requirements easier.