Assurance car insurance is a good choice for high-risk drivers. The company offers paid-in-full coverage. However, it has no mobile app or telematics program. You can read more about AssuranceAmerica in our review. The company is also well-known for accepting high-risk drivers and providing affordable coverage. It also has a high customer retention rate – 92 percent. This is a good sign for insurance companies.
AssuranceAmerica offers paid-in-full coverage – Assurance Car Insurance
AssuranceAmerica offers car insurance coverage for drivers with high-risk records, but it is not standard. You can buy personal auto coverage and state-mandated liability coverage directly from the company’s website, or you can work with an independent insurance agent. You can use their find an agent tool to locate an agent near you. Established in 1998, the company specializes in property and casualty insurance for the non-standard private automobile segment.
AssuranceAmerica offers paid-in-fulL coverage for car insurance with no deductible. The company offers online payment options. Also pays over the phone, by mail, and in person. The company charges a $5.50 convenience fee for online payments. The company is not accredited by the Better Business Bureau and may have a 3-star rating on Google. Most complaints have to do with poor customer service and unresponsive adjusters. Despite this, AssuranceAmerica’s customer support is generally responsive and has a high customer retention rate.
AssuranceAmerica was founded in 1998 and currently works with more than 4,000 independent insurance agents in 10 states. They specialize in car insurance for drivers with high-risk profiles and are often cheaper than other companies. AssuranceAmerica has an online application form. Which makes it easy to get a quote. Once you have your information, the company will contact you via email or telephone. Once you have your information, you can apply for a policy.
AssuranceAmerica has a toll-free number for customers who prefer to speak to a real person. You can also use their website to submit a resume. It only requires a single resume, so if you apply for multiple positions, you can use a single resume. The website asks for voluntary identification information, but failing to provide this information will not affect your chances of getting the job.
AssuranceAmerica operates in 10 states. Because most of the policy work is done by licensed agents. You can contact a local agent if you need assistance. If you need to file a claim, you can call their customer service line. You can call an agent if you need to make changes to your policy. You should note that AssuranceAmerica does not have an online claims filing system.
It accepts high-risk drivers – Assurance Car Insurance
Assuming that you’re looking for car insurance, you probably know that some people with bad driving records can’t qualify for coverage with a major auto insurer. High-risk drivers have various characteristics that make them a higher liability for insurers. These characteristics may include poor driving record, DUI conviction, or a lapse in coverage. You may even have a high-powered vehicle or exotic car. Regardless of your circumstances, it’s illegal to drive without car insurance in most states. It is a gamble and it is highly recommended. That you get a quote from an insurance company that is comfortable working with high-risk drivers.
One of the best ways to find a cheap car insurance plan is to compare rates from several insurance providers. This way, you can find the best possible policy for your needs. It’s also a good idea to compare the different policies offered by each provider. Also, check out the usage-based insurance option. This type of insurance uses telematics to track your driving habits. The cost of this type of policy is more affordable than you might think.
There are other ways to find cheap car insurance for high-risk drivers. If you have recently been convicted of a serious traffic violation. So your insurance premium is likely to increase. A history of claims is a red flag to insurers. If you have a clean driving record, you might be able to find a better deal by taking a driver safety course. However, if you’ve had multiple traffic violations within the last few years, you should shop around for a lower-risk insurer.
Aside from checking with your insurance agent, you should also check the Automobile Insurance Plan Service Office for a list of high-risk driver plans in your state. Your risk profile will vary significantly based on your age, credit score, and past driving history. If you have already been in an accident, make sure to cover for the specific event. If you have an accident your insurance coverage is cancelled.
It offers no telematics program
Unless you’re interested in paying high monthly premiums, you probably don’t need to sign up for a telematics program to keep your Assurance car insurance premiums low. Telematics programs are fairly new but have already exploded in popularity. Almost all of the major insurance companies now offer telematics programs. These programs use telematics to monitor your driving habits and give you a discount on your insurance.
Most telematics programs use a GPS tracker to monitor your location. Some even work via an app and let your insurance know where you are at all times. This type of insurance may not be for you, however, if you’re concerned about sharing personal information with your insurer. Other car insurance discounts may be more appropriate. Other car insurance discounts are more appropriate if you are concerned about the privacy of your driving data.
Different telematics programs offer varying discounts and tracking behaviors. Identifying the one that aligns with your driving habits will help you make an informed decision about whether or not to enroll in a telematics program. In addition, it’s important to compare rates between insurers. Insurers can vary significantly in price, so a telematics discount won’t compensate for the difference.
The Allstate Milewise telematics program is a relatively new addition to the telematics industry. It is made to give low-mileage drivers discounts. Unlike most other types of car insurance, Milewise works differently. Drivers pay for the miles they drive with a daily rate instead of a flat rate. Then, if they drive safely, they can earn a 25% rebate.
It doesn’t offer a mobile app
Assurance car insurance does not have a mobile app. The company does not have a telematics program and does not have a mobile app. Rather, customers have to contact a local agent to make claims. While their website is incredibly basic, it does offer some self-service tools. You can make payments, manage your policy, and check your insurance history. The only downside to AssuranceAmerica is that you don’t have a mobile app.
AssuranceAmerica’s mobile app is not as sophisticated as many other apps. Instead, it uses sensors built into the phone to track the driver. Although it doesn’t have an OBD-II port, this technology allows the company to detect sudden acceleration and hard braking. The information collected is encrypted and used by the insurer to determine rates and discounts. The mobile app can help you save money by lowering your premiums.
