Since 1998, AssuranceAmerica has provided non-standard policies through its network of more than 2,600 independent agencies. With a range of discounts available from state to state, high-risk drivers can find affordable coverage through AssuranceAmerica.
Who Benefits Most and Least from AssuranceAmerica Insurance?
- Non-standard and SR-22 drivers looking to secure the minimum liability coverage required by their state at an affordable cost
- Those who prefer working with a local agent to manage their policy
- Households that could take advantage of discounts for multi-car policies and people with prior insurance
Not the Best For…
- Customers who prefer to manage their policies online or through a mobile app
- Anyone who wants to avoid tacked-on fees at all costs
- Rideshare drivers
AssuranceAmerica: Covering drivers from all walks of life for more than 20 years
AssuranceAmerica offers affordable policies to high-risk drivers across ten states in the continental U.S. Although reviews note a decent customer service record through the main phone line, the bulk of your policy management is handled through your local independent agent. Unlike many non-standard insurers, there are a variety of discounts drivers could qualify for—there is even a generous 30-day grace period for lapses in coverage to be eligible for a transfer discount. Since services are provided through several subsidiaries, policy offerings and discount options can vary from state to state.
AssuranceAmerica Car Insurance Quotes and Discounts
Your driving record is unique to you and changes over time. Accident history, a change in address, and milestones like owning (and protecting) a home can all have effects on your car insurance premium.
Your car insurance should evolve with you. Frequently comparing car insurance quotes among different companies is the only way to make sure you get the coverage you need at the best price.
Drivers Can SAVE with these Discounts from AssuranceAmerica
Discounts can vary state-by-state, but there are many potential options.
How you manage your bill payment is an easy way drivers can save—by opting to pay your premium in full for the year, or by enrolling in EFT (Electronic Funds Transfer), you could see a premium reduction as a reward. Just be aware that processing fees may apply, no matter how often you pay.
Drivers committed to learning can also reap the rewards. Whether you’re a good student in high school or college or have taken a defensive driving course, some participating states will qualify you for a discount thanks to your quality time in the classroom.
You could also benefit from having other properties covered by insurance. Homeowners and multi-car households alike can get a discount, too.
These available discounts from AssuranceAmerica all vary by state:
- Multi-car policy
- Homeowners (if the house is under your or your spouse’s name)
- Defensive driver certification
- Good student discount
- EFT payment
- Early shopper
- Continuous coverage from one insurance company for at least six months
If you fail to provide documentation that you have been continuously insured with one company for at least six months, Assurance American may increase your premium. Assurance America will only notify you of this increase through the mail, so make sure you check your mail and adjust your payments to avoid cancellation.
States Where AssuranceAmerica Car Insurance is Offered
Policies for property damage and casualty insurance are currently available in ten states. Given that policies are offered through several subsidiaries, available coverage and discounts vary state-to-state.
Service is currently offered in:
- South Carolina
Click here to find the cheapest car insurance quotes in your state.
AssuranceAmerica Auto Insurance Coverages
AssuranceAmerica provides state minimum liability and casualty insurance.
As almost every state requires Bodily Injury and Property Damage Liability coverage to drive, these options are available to you no matter what state you live in. This coverage helps pay for costs to the victim in an accident where you are at fault.
Other common coverage options, like comprehensive and collision coverage, uninsured motorist protection, and medical payments policies, may be available depending on the state you live in. If you need more than the bare minimum coverage, discuss your options with your agent.
Other Special Auto Coverages Offered by AssuranceAmerica Insurance
Since non-standard drivers are the core of AssuranceAmerica’s customer base, you can trust this company with your SR-22 filing needs. However, there is a $25 fee tacked onto filing for your SR-22, in addition to an increased annual premium.
Other Insurance Products Offered by AssuranceAmerica Insurance
Currently, AssuranceAmerica only offers auto insurance policies.
How Can I Buy Auto Insurance from AssuranceAmerica?
To purchase a policy from AssuranceAmerica, you’ll need to connect with an independent insurance agent in your area. There are more than 2,600 agencies among the states where policies are offered.
If you’re not sure where to find your nearest office, you can search by ZIP code on the aainsco.com website.
Although AssuranceAmerica offers online quotes through its subsidiary Trustway, it’s not clear whether it’s possible to purchase directly from the website.
How Can I Pay for My AssuranceAmerica Car Insurance Policy?
Assurance America offers a pretty sizable discount if you pay for your entire premium upfront and in full. But whether you pay your premium monthly or all at once, you have a few options.
If you prefer to pay in person, your local agent can process a payment for you.
For those who don’t want to leave their home, online, over-the-phone, and mail-in payments will work best. To make a payment by phone, call 1 (800) 450-7857, and select option 2. You can call 24/7 to make a payment through the Assurance America answering machine.
If you prefer to mail a check, you can address it to:
PO Box 933792
Atlanta, Georgia 31193-3792
You could also set up EFT (Electronic Funds Transfer), which could get you yet another discount. Using EFT doesn’t come with any additional transaction fees. You can’t set up EFT online; you need to call an Assurance America agent or their customer service line to get set up instead.
Finally, you can pay online with your credit or debit card by visiting assuranceamerica.com. However, reviews note that this payment option often requires you to pay an additional $5 processing fee.
How Often Will AssuranceAmerica Increase My Premiums?
Since AssuranceAmerica doesn’t offer any accident forgiveness programs, you’ll likely see your rates increase after a crash, or change your address. Some customers have mentioned online that they saw rate hikes unexpectedly, so be sure to compare quotes anytime your living situation or driving record changes.
How Does AssuranceAmerica’s Claims Process Work?
After you’ve been involved in an accident, it’s important to promptly file a claim with your insurance company. If you have a policy with AssuranceAmerica, you can file a claim by phone by calling the toll free line, 24/7: 1 (888) 580-8134.
Before calling, make sure you gather all the information about the accident, as well as your policy details. You’ll need things like your policy number, details of the accident, info about any other involved parties, and the police report if you have one.
When you call the claim service line, you’ll work with a First Notice of Loss representative to record the details of your accident. After that, you can expect a call back from a claims adjuster within 48 hours to discuss your situation in more detail.
There doesn’t appear to be any restrictions on body shops for repairs based on the company’s website; however, it’s best to verify any limitations with your insurance agent at the time of purchasing your policy so that you are prepared in the event of an accident
You can also file a claim by email, mail, or fax; however, the company website advises calling for the fastest service. If you do prefer to send an email, submit information to firstname.lastname@example.org.
How Can I Cancel My AssuranceAmerica Car Insurance Policy?
For all policy matters, including cancellations, you’ll need to work with your insurance agent. Call AssuranceAmerica or visit your local agency to get the cancellation process started. You’ll likely be assessed a fee for cancellation, so be sure to ask about this ahead of time. Fees can vary from state to state.
If you cancel your policy through an independent agent, you will need to prepare a written statement saying that you want to cancel your policy and make sure you include the effective cancellation date. Alternatively, you can call AssuranceAmerica’s service line at 1 (800) 450-7857 to give verbal confirmation that you want to cancel your policy.
How Much Does Uber/Lyft Coverage Cost with AssuranceAmerica?
Since AssuranceAmerica caters to high-risk and non-standard drivers, the policy options are designed to meet minimum state requirements. As such, it makes sense that there isn’t currently coverage available for rideshare drivers.
If you drive for Uber, Lyft, or another similar company, you’ll need to seek coverage elsewhere for this unique policy.
Insurance Companies Similar to AssuranceAmerica
High-risk and SR-22 drivers across many of the states where AssuranceAmerica coverage is offered may look to similar companies that operate through local agencies and service this demographic. Potential options could include Hallmark Insurance, Safeway Auto Insurance, and Infinity Auto Insurance.
For those looking for more robust online policy management, or centralized customer service, larger, nationwide companies may be a better fit if you qualify for coverage.
According to Insurify’s internal database of over 2 million car insurance applications and analysis of external sources, people who now hold AssuranceAmerica auto insurance policies most often switched over from these companies:
- State Farm
- The General
AssuranceAmerica Customer Satisfaction and Policyholder Reviews
AssuranceAmerica’s customer service shines at the early stages of getting a policy. Representatives seem committed to getting drivers covered, and can answer most questions over the phone.
Those who are less thrilled with the company focus on raised rates, unwarranted fees to make payments, and miscommunications with claims services. The result? Maybe a less affordable option than they thought.
AssuranceAmerica Mobile App Review
At this time, there is not a mobile app for AssuranceAmerica. With minimal information online about policy details, and no online account management available, your local agent is your best source of information for all of your policy management questions.
Frequently Asked Questions: AssuranceAmerica Car Insurance
How do I get a quote from AssuranceAmerica?
Once you know that AssuranceAmerica offers the coverage you need in the state where you live, you can get a quote in one of two ways. The first is by visiting a local independent insurance agency. AssuranceAmerica only sells policies through its network of agents, and if you do decide to purchase a policy, it would be your point of contact anyway. It’s also possible to get a quote online through Trustway, a subsidiary of AssuranceAmerica, but it’s not clear from the website whether you can actually purchase the policy online too.
Who owns AssuranceAmerica?
AssuranceAmerica was founded in 1998, and since then has acquired many companies under its umbrella. Auto policies are offered through three of its subsidiaries.
What discounts can I get through AssuranceAmerica?
Options vary from state to state, but you could secure discounts for having continuous coverage, insuring multiple vehicles, attending a defensive driving course, or paying your premium in full. To learn what discounts are available in your state, chat with your local agent. While discounts are a nice bonus when considering an insurance company, the best way to get a deal is to compare quotes with other companies on a comparison site like Insurify. Even after discounts, your overall premium could be cheaper somewhere else.
Is AssuranceAmerica the cheapest car insurance in your area?
With several possible discounts available, AssuranceAmerica may be an affordable option for some non-standard or SR-22 drivers. However, there’s no one-size-fits-all option for cheap car insurance.
Use Insurify to get the best deal on an auto insurance policy and compare prices with other companies in your area. With so many available coverages, qualifying discounts, and your changing driving record, your cheapest option can differ from others—and even change for you from month to month.
AssuranceAmerica Auto Insurance Overview
Founded in 1998, AssuranceAmerica provides non-standard auto insurance to drivers in ten states. The company headquarters are in Atlanta, Georgia, with Satellite offices in Tampa, Florida and Dallas, Texas.
Although this company offers several discounts from state to state, the policies come with their fair share of fees. Drivers can expect to pay extra for SR-22 filings, installment payments, cancellations, and reinstatement fees. Like many companies, there’s also a fee for late bill payments.
AssuranceAmerica Contact Information
|Customer service phone number||1 (800) 450-7857
|Customer service email email@example.com|
|Headquarters address||5500 Interstate North Pkwy, Ste. 600, Atlanta, GA 30328|
|Headquarters mailing address||PO Box 723128, Atlanta, GA, 31139-0128
|Payments mailing address|| AssuranceAmerica, PO Box 933792, Atlanta, GA 31193-3792
|Claims service phone number||1 (888) 580-8134