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AssuranceAmerica Insurance: Review, Coverage Options, and Ratings

AssuranceAmerica Insurance Review 2020


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2 Rating from The Zebra

Licensed and active in ten states — Alabama, Arizona, Florida, Georgia, Indiana, Missouri, Nebraska, South Carolina, Texas, and Virginia — AssuranceAmerica is a small car insurance company that primarily caters to the non-standard market. High-risk drivers with a history of collisions, infractions, or spotty insurance payments may find a good fit with AssuranceAmerica. Based in Atlanta, Georgia, AssuranceAmerica depends on a network of independent insurance agencies to sell policies and also offers online insurance quotes through TrustWay Insurance, a subsidiary.

Continue reading for our comprehensive AssuranceAmerica insurance review, including coverage information, discounts, and customer service rating.


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JD Power Rating — Not rated

Financial strength — Not rated: AM Best has not yet rated AssuranceAmerica’s financial health.

NAIC Rating — Below average: The number of customer complaints regarding AssuranceAmerica surpassed the national average, according to the National Association of Insurance Commissioners (NAIC).

JD Power Rating — Not rated

Financial strength — Not rated: AM Best has not yet rated AssuranceAmerica’s financial health.

NAIC Rating — Below average: The number of customer complaints regarding AssuranceAmerica surpassed the national average, according to the National Association of Insurance Commissioners (NAIC).

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AssuranceAmerica car insurance coverage options

All the auto insurance coverage you need to drive legally can be found through AssuranceAmerica — but don’t expect much more. When generating a quote online through the company's subsidiary, TrustWay Insurance, you are given three tiers of coverage to choose from. Coverages can be customized — to an extent — with the option of adding personal injury protection (PIP), towing, and accidental death. It’s also worth noting that AssuranceAmerica does not offer anything more than the state minimum amount of liability coverage, with no way of raising your coverage limits.

Minimum coverage

If you only need the legal minimum insurance coverage required by your state, this tier offers the state-mandated amount of liability coverage.

Full coverage

Including comprehensive and collision coverage for your vehicle in addition to liability, AssuranceAmerica's full coverage offers physical coverage for your own vehicle.

Premium coverage

This tier of coverage includes liability, comprehensive, collision, uninsured motorist, and medical payments.

 

AssuranceAmerica auto insurance discounts and reward programs

Compared to many of the big insurance players on the market, most smaller or non-standard insurers tend to offer fewer discounts for policyholders. AssuranceAmerica only offers four.

Discounts based on your insurance policy

  • Prior insurance: Offer proof of your prior insurance to receive an AssuranceAmerica discount on your next auto policy.

Discounts based on the driver or vehicle

  • Homeowner: Policyholders who own their homes may be eligible for some savings.
  • Military: Those who have served in the armed forces can receive a military discount upon proof of active service.
  • Warehouse club member: Members of Sam’s Club, Costco, and BJ’s can qualify for this discount.

 

Additional lines of insurance

Car insurance is AssuranceAmerica’s sole insurance product.

 

Is AssuranceAmerica right for you?

If you’re looking to drive legally as soon as possible, have past infractions or citations, and live in a state in which AssuranceAmerica offers insurance, it could be a great company for non-standard auto insurance. You can either choose to purchase your policy online or consult with an insurance agent at a retail location if you need more personalized assistance. However, it’s important to understand the limits in coverage and how the insurer's questionable financial standing might affect your experience if you need to file a claim or work with the company's claims department. Compared to many other insurance companies, AssuranceAmerica’s coverage and discounts are lackluster if you’re looking for a robust car insurance policy.

Comparing policies from as many auto insurance companies as possible is the most effective way to score a budget-friendly insurance rate and the coverage you want. Enter your ZIP code below to get started.

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Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET, iDriveSafely.com, and Kin Insurance.

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