AssuranceAmerica vs. other insurance companies
AssuranceAmerica is one of the many insurance companies on the market that may be a good choice for you, particularly if you qualify as a high-risk driver. Though it offers non-standard auto insurance coverage and may be more niche, there are competitors that offer the same. That’s why it’s a good idea to review and compare multiple options before making a decision.
Below, you’ll see how AssuranceAmerica compares with 21st Century and American Alliance, based on average quotes for liability and full-coverage car insurance.
Actual quotes may vary based on the policy buyer’s unique driver profile. *No available rates for American Alliance at this time.
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Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer’s transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
AssuranceAmerica vs. 21st Century
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21st Century is an auto insurance company that’s been around since 1958. One of the major ways that 21st Century is different from AssuranceAmerica is the abundance of discounts it offers.
Through 21st Century, drivers may be eligible for a good driver discount, superior driver discount, good student discount, and mature driver discount. Plus, if you have proper anti-theft systems in place or insure multiple vehicles, you may qualify for even more discounts.
Students and mature drivers on a budget looking to save may get more out of 21st Century. However, if you live in one of the 10 states that AssuranceAmerica serves and find more affordable coverage with the company, it could be a better fit, even without the additional discounts.
AssuranceAmerica vs. American Alliance
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American Alliance is another insurer that offers auto insurance coverage for high-risk drivers.
American Alliance is a BBB-accredited business with a rating of A- but also has more negative reviews than AssuranceAmerica.[4] The company also offers a handful of discounts, including for defensive driving, prior coverage, and having multiple auto insurance policies with the company.
When it comes to claims, American Alliance allows drivers to submit a claim online by answering a few questions. When reviewing the AssuranceAmerica FAQs, it appears that the only way to report a claim is by phone.
If you’re insuring multiple vehicles or prioritize being able to handle claims online, American Alliance may be the better option in this scenario. The company also works with independent agents who may be able to guide you.
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How to file an auto insurance claim with AssuranceAmerica
If you get a car insurance policy with AssuranceAmerica and need to file a claim for any reason, you can do so 24/7. Here’s how to file a claim with AssuranceAmerica.
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Collect information. You’ll need to have some pieces of information ready before filing a claim. This includes your policy number and the date, time, and location of the incident, as well as info about your vehicle and the other driver involved.
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Call AssuranceAmerica. You can reach AssuranceAmerica to file a claim at 1 (888) 580-8134.
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Get a damage estimate. AssuranceAmerica will have an adjuster give you a damage estimate for the incident.
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Receive payment for your claim. Once your claim is filed and approved, you can receive payment for your AssuranceAmerica claim via check, ACH, or a virtual debit card.
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