AssuranceAmerica Auto Insurance Review (2024)

AssuranceAmerica is a specialized local company that offers non-standard auto insurance to customers in 10 states. Although the company appears to be financially stable, it has some relatively unfavorable consumer ratings.

You’ll want to make sure that you have a good relationship with your insurance agent so that they can interact with the company directly and work on your behalf to resolve any issues that might arise.

Before you decide if you want to buy AssuranceAmerica auto insurance, compare quotes from other companies. Enter your ZIP code below to compare rates.

What You Should Know About Assurance America

With thousands of local agencies in the states where AssuranceAmerica automobile insurance is active, finding a local office is as simple as running an internet search on the company name and the state.

It’s worth noting that some people search “Assurance America Insurance Co” or “AssuranceAmerican Insurance Company,” which can yield the right results; however, this is not the name of the company.

So, how can I find AssuranceAmerica Insurance near me? Using the company’s “Find an Agent” search feature on its website, enter your ZIP code to find an AssuranceAmerica near you.

AssuranceAmerica is currently licensed and active in the following 10 states:

As for its corporate offices, AssuranceAmerica Insurance maintains three locations. The company’s headquarters is located in Atlanta, GA, but there are also offices in Tampa, FL, and Dallas, TX.

Some may be looking for agents in specific states. For example, if you are wondering, where do I find an AssuranceAmerica agent in Indiana, you can simply search Indiana ZIP codes using the “Find an Agent” search feature on the company’s website.

What are AssuranceAmerica auto insurance ratings?

AssuranceAmerica reviews are mixed in terms of national rating agencies and commonly used customer reporting sites.

• The Better Business Bureau (BBB) rates AssuranceAmerica an A+, with 18 complaints closed in the last three years.
  • Although AssuranceAmerica is not BBB accredited, the BBB has a specific list of criteria that it uses to determine its opinion of how a company interacts with its customers. You can read the AssuranceAmerica BBB comments yourself on the BBB website.
• Google Reviews lists 110 reviews, the majority of which give AssuranceAmerica a 1/5. The average customer review is 1.5/5 due to some ratings of 2/5 and higher.
  • There are several AssuranceAmerica complaints. The company appears to have responded to most AssuranceAmerica reviews and addressed the customer issues with specific information and details.

AssuranceAmerica has been privately held since 2011, and as such, it is not required to file documentation with the U.S. Securities and Exchange Commission, where additional corporate financial and governance information might otherwise be obtained.

AssuranceAmerica’s history includes some time spent as a public company, but the entities that existed at that time have been fully transitioned elsewhere, taken private, or otherwise closed out.

Finding out if AssuranceAmerica auto insurance is right for you

AssuranceAmerica Corporation is a wholesale and retail insurance underwriter offering auto insurance coverage to customers categorized as being non-standard.

The non-standard designation refers either to drivers with unusual needs or those who have been placed in a high-risk pool due to multiple accidents, violations, or DWI/DUIs.

Do I need a high-risk auto insurance company? You will if you’ve had multiple motor vehicle convictions and, as a result, regular insurance companies have refused to insure you.

If you drive without insurance, you could have your driver’s license suspended or even revoked. High-risk car insurance companies will provide the coverage you need, although you’ll certainly have to pay higher rates for it.

Getting high-risk auto insurance quotes from companies that specialize in high-risk insurance can help you with finding the coverage you need for yourself and your family.

If you happen to be in a car accident with someone who has high-risk or non-standard auto insurance, you’ll want to be sure to follow best practices and call the police so they can file a report.

This way the other driver’s information is documented for you to take to your own insurance company for follow-up.

Contacting an AssuranceAmerica auto insurance agent

AssuranceAmerica prefers not to write or service policies directly through its corporate office. Rather, it uses the local agent business model in which a select group of independent agents is chosen to represent the company and its products.

These agents may or may not represent other auto insurance companies with similar products.

To date, AssuranceAmerica is affiliated with more than 2,600 local agencies around the country.

Through its TrustWay Insurance Agencies subsidiary, AssuranceAmerica purchases existing local agencies from their owners.

If owners are selling their agencies because they’ve chosen to retire, TrustWay will take over the daily operations until new management can be assigned.

Owners who wish to remain part of the business maintain day-to-day operational control even after the acquisition.

AssuranceAmerica offers the services of TrustWay as a means of helping local agencies become more profitable. Trustway specializes in policies that cover state-required minimums.

Agencies further benefit through reduced overhead, national branding opportunities, a larger pool of business resources, expanded advertising opportunities, and access to more insurance products.

Local agents who are accepted into the AssuranceAmerica family through this option undergo comprehensive training in the company’s products and business practices. They can provide AssuranceAmerica auto insurance quotes.

Agents may be able to help you find other types of coverage, including renters insurance, even though AssuranceAmerica doesn’t sell it directly.

Making Payments to AssuranceAmerica

Before an insurance policy can begin, the first payment has to be made. It’s easy to make your first bill payment with AssuranceAmerica, due to the many payment methods offered. While AssuranceAmerica bill pay can be accessed at any time online, some policyholders may prefer to use the phone to pay their bill. Policyholders should contact the AssuranceAmerica phone number: (800) 450-7857 to speak with customer support regarding phone payments.

Filing an AssuranceAmerica auto insurance auto claim

You might be wondering, “Can AssuranceAmerica file a claim on my behalf?” It’s important to note that no one other than yourself can file a claim.

AssuranceAmerica Insurance Company provides a toll-free telephone number that directs to AssuranceAmerica Customer Service on its website for claims filing purposes.

The AssuranceAmerica claim number is used as a secondary option if your local agent is not available at the time.

If you can contact your local agent first, he or she will be able to provide you with more personal service aimed at getting you back on the road as quickly as possible.

We recommend referring to your policy documents and saving your personal AssuranceAmerica number to your phone contacts.

AssuranceAmerica claims reviews show that claims are processed in the same time as any other insurer.

Like all auto insurance companies, AssuranceAmerica and all of its local agents encourage customers to cooperate in all investigations conducted by law enforcement.

Oftentimes these investigations and the subsequent police reports generated are the keys to understanding who is at fault for an auto accident and whose insurance will pay claims.

Knowing what to do after a car accident will save you time and smooth out the long process ahead. Once you contact your local agent or the corporate office you’ll be directed on how to proceed with your claim.

These days many people enjoy the convenience of an app for making claims.

If you are wondering where do I find the AssuranceAmerica Ins app, then you may be disappointed. The AssuranceAmerica Insurance Company does not currently have an app available to customers.

How do you cancel AssuranceAmerica auto insurance?

You can contact AssuranceAmerica auto insurance by phone number, fax, email, or U.S. mail, as follows:

AssuranceAmerica doesn’t have much functionality within its website, and it doesn’t have a mobile app. Your best options for reaching the company are those listed above; you can also contact one of its agents directly.

Contacting an agent is a great way to get an AssuranceAmerica quote. If you are wondering what is the best AssuranceAmerica Insurance Company phone number to use, it is currently 1-888-580-8134 for claims and 1-800-450-7857 for customer service. You can also contact AssuranceAmerica to cancel a policy.

Both numbers are toll-free and can be reached 24/7.

Assurance America Insurance Rates Breakdown

Our source for rate data doesn’t provide information about AssuranceAmerica auto insurance rates; however, we include example rates from Georgia since this company writes policies in that state and focuses primarily on high-risk drivers.

Insurance companies are required to file their rates and rating formulas within the states where they do business.

As an example, here are some of the rating assumptions that AssuranceAmerica was approved to use in the state of Georgia in 2018:

Let’s walk through each of these so you can get an idea of how these factors all work together:

• Base Rate BI – This is the base rate for bodily injury coverage, which pays for costs related to other people’s injuries if you are in an auto accident and are at fault. Note that some states, such as Florida, are considered “no-fault” states; their requirements and laws will be somewhat different.
• Base Rate PD – This is the base rate for property damage coverage, which pays for damages done to other people’s property resulting from an auto accident where you were at fault.

The base rate isn’t really the lowest auto insurance rate you would pay in Georgia. It’s really the starting point for the insurance company to start building the rate that it will quote to you based on a list of other factors.

These factors, such as points related to your driving history, ZIP code, age, gender, etc. will vary by company and by state. Those included in the chart above are only some of the factors.

These factors are meant to increase the base rate according to your risk. For example:

• If you have zero points, your factor is one. Multiply one by the base rate, and the rate is still the same. For BI, the rate would still be $417.
• Now look at what happens if you have as many as 30 points on your license. You’ll be quoted a rate that is nine to 15 times as much as the base rate, and that’s before any other factors such as ZIP code are included.
• For BI, the rate would be $3,753-$6,255, even before adding any other factors (Here’s our math in case you’d like the details: $417 x 9 = $3,753; $417 x 15 = $6,255).

All of these factors go into how your auto insurance risk is calculated. For example, if you have a lot of points on your driving record, it’s probably a good assumption that you’re the type of driver who needs high-risk auto insurance coverage.

If you’ve had multiple motor vehicle violations in the past, insurance companies conclude that you are more likely to be in an accident and file insurance claims in the future.

The table below shows how different driving violations affect your auto insurance rates in Georgia.

Since claims cost the insurance company money, you’ll be charged a higher rate in order to cover the costs.

Assurance America Discounts Available

Because AssuranceAmerican car insurance works mostly with high-risk drivers, their discounts may be limited, but it doesn’t hurt to ask about the following discounts:

• Proof of prior auto insurance coverage discount
• Homeowner discount
• Military discount
• Membership of Sam’s Club, Costco, and BJ’s discount