Assurance America is a regional auto insurance provider catering primarily to high-risk drivers. It operates in ten states, including Alabama, Arizona, Florida, Georgia, Indiana, Missouri, Nebraska, South Carolina, Texas, and Virginia. This review explores the company's offerings, customer satisfaction, cost, claims handling, and renewal experience, providing a comprehensive look at whether Assurance America is the right choice for you.

Overview of Assurance America

Founded in 1998 and headquartered in Atlanta, Georgia, Assurance America focuses on providing auto insurance to drivers who are considered high-risk. This includes drivers with previous traffic violations, accidents, or DUI/DWI convictions. The company operates through a network of independent agents, which allows for personalized service and local expertise.

Assurance America also stands out for its philanthropic efforts, donating 5% of its total profits to fight homelessness. This commitment to social responsibility is a significant selling point for many customers.

Customer Satisfaction Ratings

Assurance America scores well in customer satisfaction, especially among high-risk drivers. Here’s a breakdown of customer satisfaction ratings:

These ratings suggest that the majority of customers are highly satisfied with Assurance America's services, particularly praising the company’s affordability and personalized customer service.

Source: Jerry

Cost Ratings Comparison

Cost is a crucial factor for many policyholders. Assurance America offers competitive rates, particularly for high-risk drivers. Here’s how Assurance America compares to the industry average in terms of cost:

Source: Bankrate

Claims Handling Experience

Claims handling is another critical aspect of an insurance provider’s service. Assurance America’s ratings for claims handling are on par with the industry average:

Source: The Zebra

Renewal experience is vital for customer retention and long-term satisfaction. Assurance America scores slightly above the industry average in this area:

Source: AutoInsurance.org

Is Assurance America the Right Insurance Company for You?

Assurance America might be a suitable choice if you:

• Are a high-risk driver.
• Seek affordable auto insurance.
• Value personalized service through local agents.
• Live in one of the states where Assurance America operates.
• However, if you require more extensive coverage options or prefer to manage your policies digitally, you might want to explore other providers.
• Cost of Assurance America Car Insurance
• One of the key reasons drivers choose Assurance America is its competitive pricing, particularly for high-risk drivers. According to data from multiple sources, here’s how Assurance America’s costs compare to the national average:

These rates show that while Assurance America might not always be the cheapest, it offers competitive rates for high-risk drivers compared to other insurers.

Source: TrustedChoice

Assurance America's Coverage Options

Assurance America offers a range of coverage options to meet the needs of high-risk drivers. These include:

• Liability Coverage: Meets the minimum state requirements for bodily injury and property damage.
• Collision Coverage: Covers damages to your vehicle from collisions.
• Comprehensive Coverage: Covers non-collision-related damages such as theft, fire, and weather damage.
• Uninsured/Underinsured Motorist Coverage: Protects you if you’re involved in an accident with a driver who has insufficient or no insurance.
• Medical Payments (MedPay): Covers medical expenses for you and your passengers after an accident.
• Personal Injury Protection (PIP): Extends coverage to lost wages and other accident-related expenses.
• Roadside Assistance: Offers towing and other emergency services.
• Rental Reimbursement: Covers the cost of a rental car if your vehicle is in the shop due to a covered claim.

Conclusion

Assurance America stands out for its affordability and customer service, especially for high-risk drivers. While its coverage options are basic and geographically limited, the company compensates with competitive pricing and a commitment to philanthropy. If you fit its target profile, Assurance America could be a reliable choice for your auto insurance needs.

Frequently asked Questions:

What makes Assurance America a good choice for high-risk drivers?

Assurance America specializes in providing auto insurance for high-risk drivers, including those with traffic violations, accidents, or DUI/DWI convictions. Their competitive rates and tailored coverage options make them a suitable choice for drivers who may struggle to find affordable insurance elsewhere.

In which states does Assurance America operate?

Assurance America operates in ten states: Alabama, Arizona, Florida, Georgia, Indiana, Missouri, Nebraska, South Carolina, Texas, and Virginia. Their regional focus allows them to provide personalized service through a network of independent agents.

What types of coverage does Assurance America offer?

• Assurance America offers a variety of coverage options, including:
• Liability Coverage (bodily injury and property damage)
• Collision Coverage
• Comprehensive Coverage (theft, fire, weather damage)
• Uninsured/Underinsured Motorist Coverage
• Medical Payments (MedPay)
• Personal Injury Protection (PIP)
• Roadside Assistance
• Rental Reimbursement

How does Assurance America handle claims?

Assurance America's claims handling is on par with the industry average. They focus on providing prompt and fair service to their policyholders. While some customers report satisfactory claims experiences, others have noted delays and challenges, highlighting the mixed reviews in this area.

What is Assurance America's commitment to social responsibility?

Assurance America is dedicated to philanthropy, donating 5% of its total profits to fight homelessness. This commitment to social responsibility resonates with many customers who value supporting companies that give back to the community.