AssuranceAmerica

AssuranceAmerica: auto, renters, and commercial auto insurance in the United States

AssuranceAmerica is an insurance company with a presence in several U.S. states. Its offering focuses on auto, renters, and commercial auto policies, along with a roadside assistance service. The company promotes an online quoting process that, according to its own website, allows you to get a real quote in about 90 seconds and, in some cases, same-day coverage.

Insurance products

The insurer's catalog includes:

• Auto insurance: options from minimum liability to comprehensive coverage. Among the coverages mentioned are bodily injury liability, property damage liability, SR-22 filing, collision coverage, medical coverage, and uninsured/underinsured motorist coverage.
• Renters insurance: protection for those who rent their home, with coverage for personal belongings, liability, and additional living expenses if they cannot use their home after an event such as a fire or lightning. The site indicated a rate from $13 per month.
• Commercial auto insurance: aimed at small businesses that need to protect the vehicles they use for work. The company states that it provides coverage for over 1,000 occupations, such as contractors, painters, or landscapers, and includes options similar to those of personal auto insurance.
• Motor Club: emergency roadside assistance service available 24 hours a day, 7 days a week, throughout the United States. It covers situations such as flat tires, dead batteries, or breakdowns that require towing to a local repair shop.

Quoting and purchasing

The company emphasizes the speed of the process: the user provides basic information about who needs the insurance, what vehicle or home is to be insured, and their current insurance situation. According to the website, the quote is displayed in about 90 seconds and no credit score check is required to obtain it. Once the option is chosen, the customer can select the payment method and, in certain cases, get coverage the same day.

Coverage by state

AssuranceAmerica operates in Alabama, Arizona, Florida, Georgia, Indiana, Nebraska, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, and Virginia. In Kansas, it offers renters insurance only. The company states that it expands its coverage to new states every year. For the SR-22 certificate, the service is available in Alabama, Arizona, Florida, Georgia, Indiana, Nebraska, Ohio, South Carolina, and Virginia; the company files it with the authorities when the customer needs it.

Agent network and customer service

The insurer has a network of local agents that can be found through its "Find an Agent" page by entering a zip code. It also has a mobile app to manage policies, pay bills, and get ID cards. Phone support is available Monday through Friday from 8:00 a.m. to 7:00 p.m. (Eastern Time) and Saturdays from 9:00 a.m. to 5:30 p.m.

The Generous Policy program

Under the name The Generous Policy, AssuranceAmerica dedicates 5% of its profits to charitable causes focused on homelessness, education, and economic mobility in the communities where it operates. The company also maintains an academy for agents and organizes events for its distribution network.

Customer reviews

On the Trustpilot platform, AssuranceAmerica has a rating of 4.8 out of 5. The reviews collected highlight the speed of service, professional attention, and competitive prices, although some occasional difficulties with initial access to the mobile app are also mentioned.