American Family Insurance is a bit different than many of the companies who provide auto insurance. American Family Insurance tends to be much cheaper than their counterparts. This company started as a family business in the Midwest. The original market was small rural towns. Over the years, they expanded to larger metro areas and 19 states. While they are not a national company, they can often undercut the competition. Is the quality of their services comparable? Let’s compare their services to the industry at large.
The Advantages Of American Family Auto Insurance
First, let’s discuss the advantages of American Family auto insurance. Typically, American Family auto insurance quotes are much cheaper than other types of types of auto insurance. They save auto insurance customers money through their setup. They are also set up differently than other insurance companies. American Family Insurance is a mutual company. This means its customers own the company – sort of like a credit union. Even though American Family only operates in certain states and is not a national company, they are a VERY LARGE mutual property and casualty insurer with over 7 million auto insurance policy holders. So how do consumers benefit? With a mutual based insurance company, it’s similar to belonging to a Credit Union. Any profits earned go back to the policyholders. Customers are rewarded with dividends or reduced premiums. This set up means that customers prosper when things are going well. It also means premiums go if the company is not doing well.
American Family Auto Insurance Coverage
This company prides itself on its auto insurance. However, they also offer other services to bundle together with auto insurance. This includes motorcycle, ATV, homeowners, renters, condo, farm, ranch, and umbrella insurance. Since their background is in rural America, the farm, and ranch insurance is a rarer option with other insurance companies – especially auto insurance. American Family does not offer life or health insurance. This can be a disadvantage, compared to a larger company as typically the more policies you have with one company the lower your premiums for all as they are bundled. Still, this is great, if you do not require more services. In terms of auto insurance, they offer bodily injury liability, property damage liability, uninsured motorist bodily injury, and underinsured motorist bodily injury. American Family auto insurance policy holders can also opt for rental car and ride share insurance. Like many other providers, American Family auto insurance policy holders benefit from emergency roadside assistance. They cover many of the same services that a larger company would include, but at a lower price point.
American Family Uses Local Agents
One advantage is that if you have multiple policies, you will only deal with one agent. This agent will be your point of contact for all your claims or questions. Many customers prefer to deal with one agent. This agent is familiar with their situation and may have advice. Compared to an e-commerce insurance company this approach may feel more personal. If you enjoy human contact, their superior customer service might be an attraction for you. They do have a user-friendly website. The website includes price calculators, information about discounts, and articles. They also have a section dedicated to claims. These claims can be accident related or weather related. They also have a smart coverage layout of all the services that come with their insurance. This could be useful when you are deciding what you need. The affordability and cheaper prices are also important. While in many states insurance is required, you do not want to overspend your budget.
Overall, American Family auto insurance is a fine choice for auto insurance. The monthly payment is typically lower than other competitive policies and I like the fact that I have a local agent who’s active in my community.
⇒What’s been your experience with American Family Auto Insurance? Leave your comments below⇓
*American Family offers auto insurance coverage for drivers in the following states: Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, North Dakota, Ohio, Oregon, South Dakota, Utah, Washington, and Wisconsin.