AssuranceAmerica Auto Insurance

AssuranceAmerica provides coverage even if you have poor credit or violations on your driving record.

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• AssuranceAmerica Insurance Overview
• AssuranceAmerica Auto Insurance Coverage
• AssuranceAmerica Insurance Cost And Discounts
• AssuranceAmerica Insurance Ratings And Reviews
• AssuranceAmerica Auto Insurance: Our Take
• Our Recommendations For Car Insurance
• AssuranceAmerica Insurance Review: FAQ

• AssuranceAmerica auto insurance is available in Alabama, Arizona, Florida, Georgia, Indiana, Missouri, Nebraska, South Carolina, Texas, and Virginia.
• The provider holds an A+ rating from the Better Business Bureau (BBB).
• Unlike many top auto insurers, AssuranceAmerica does not have a mobile app.

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Finding car insurance coverage at a reasonable rate can be difficult if you are labeled a high-risk or non-standard driver by insurance companies. AssuranceAmerica specializes in non-standard auto insurance and promises customers coverage at an affordable rate. Our review will look into AssuranceAmerica’s offerings, discounts, customer service ratings, and more. Drivers are usually considered non-standard by companies if they have a history of multiple accidents or moving violations, poor credit, gaps in insurance coverage, or little driving experience. If you are car insurance shopping, we recommend starting your search with the best car insurance companies.

AssuranceAmerica Insurance Overview

AssuranceAmerica was founded in 1998 and is headquartered in Atlanta, Georgia, with offices in Tampa, Florida, and Dallas, Texas. The company specializes in non-standard auto insurance coverage and is licensed and active in 10 states: Alabama, Arizona, Florida, Georgia, Indiana, Missouri, Nebraska, South Carolina, Texas, and Virginia. Its policies are primarily sold online and through thousands of independent agents. AssuranceAmerica subsidiaries include AssuranceAmerica Insurance Company, AssuranceAmerica Managing General Agency, Trustway Insurance, and InsureMax Insurance Company.

AssuranceAmerica Auto Insurance Coverage

• Liability coverage: Includes bodily injury and property damage.
• Personal Injury Protection (PIP): Pays for medical and funeral expenses up to a limit for you and your passengers in the event of an accident.
• Uninsured/underinsured motorist coverage: Pays for injuries to you and your passengers as well as damages to your car if you are hit by a person with no or inadequate insurance.
• Medical payments: Pays for medical and funeral expenses up to a limit for you and your passengers if the injuries were caused by an accident.
• Collision: Pays for damages to your car in a collision with another car or an object and will be subject to a deductible.
• Comprehensive: Pays for damages to your car or loss due to falling objects, fire, theft, vandalism, extreme weather, etc., and will be subject to a deductible.
• Accidental death and dismemberment coverage: Pays the stated benefits if a named insured person in the policy sustains death, dismemberment, or loss of sight in a covered event.

AssuranceAmerica Insurance Cost And Discounts

The cost of an AssuranceAmerica Insurance premium can depend on a few factors, such as:

• Age, gender, and marital status
• Credit score
• Driving record
• Vehicle age, make, and model
• Location

Based on rate estimates from Quadrant Information Services, the national average annual rate for car insurance is $1,968. This estimate is based on the profile of a 30-year-old single male with good credit and a clean driving record who owns a 2020 Honda CR-V. If you’re a young driver, have poor credit, or have speeding tickets and/or DUIs, it can increase the cost of your insurance premium tremendously.

AssuranceAmerica Insurance Quotes

AssuranceAmerica partners with Trustway Insurance for its online quotes and policy purchase. You will need to provide standard details such as your name, age, marital status, ZIP code, driving habits, the year, make, and model of your vehicle, and driving record to generate a personalized free quote.

AssuranceAmerica Insurance Discounts

Many drivers rely on auto insurance discounts for lower premiums. Based on our research and the online quotes process, we were able to determine that AssuranceAmerica offers the following types of insurance discounts on car policies:

• Homeowners discount: For owning a home.
• Current/prior insurance discount: For continuous insurance coverage in the preceding six months.
• Warehouse club membership discount: For members of Costco, Sam’s Club, and BJ’s.
• Multi-car discount: For insuring all vehicles under the same AssuranceAmerica policy.
• Military discount: For active members of the U.S. military.
• Direct repair discount: On comprehensive and collision premiums if you agree to perform any covered repairs at an approved direct repair program facility.
• Recurring Electronic Funds Transfer (EFT) discount: For signing up for automatic payments at the time of buying the policy.

Payment Options

AssuranceAmerica accepts online bill payments. You also have the flexibility to pay your premium directly to an agent over the phone or via mail. The AssuranceAmerica website has a tool to help you find the nearest AssuranceAmerica agent.

In some states, AssuranceAmerica doesn’t have a grace period for paying renewal premiums, and your policy will be renewed only if you make the payment before the expiration date. In some states AssuranceAmerica car insurance policyholders may have a grace period of seven days. Check your policy documents or talk to your agent to get the correct information for your state.