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American Family Insurance Summary
American Family is seen as one of the best homeowners insurance companies out there currently. They have many great policies and discounts that you can make use of. Overall, this company has a lot to offer you, whether you want cheap insurance premiums or high levels of coverage. Here’s what you need to know!
- Options for parents who have teens who drive
- Customizable home insurance options
- Great options for bundling home and auto insurance policies at a low price
- No options for quick insurance quotes
- Average claims service ratings from customers
American Family provides customers with homeowners and auto insurance with great rates and plenty of discounts. However, the company is still very small with a limited coverage area. American Family only insures those in 19 specific states. The quote system is lacking, but you still receive some of the best rates around. This is due to all of the discounts that the company offers, which take a lot of the cost off most premiums.
This policy is suitable for most people, but offers great discounts. If you can qualify for the discounts, you’re sure to get a very low premium. The company also offers great emergency roadside services, which help those who have an older car prone to breaking down. You can request the service at any time by calling or growing through the company app.
Types of Coverage
If you’re looking for car coverage, American Family has plenty of different options for you. They have many of the standard coverage forms, but also some unique ones, like rideshare coverage. You’ll want to consider your needs carefully and choose what you need.
Here are some of the options you have with this company:
- Collision coverage
- Liability coverage
- Comprehensive coverage
- Uninsured and underinsured coverage
- Medical payment coverage
The company offers a KnowYourDrive discount, which earns you a 5% discount automatically when you sign up. You will need to use a special car adaptor that keeps track of your driving, but you’ll receive rewards by driving safely. They won’t penalize you and you can receive up to 40% off of your insurance premium!
The Quote Process
The American Family isn’t known for having a good way to receive quotes. Many people felt that it was a bit harder than it needed to be to find the information for getting a quote. From there, it took a long time to receive a response. However, it’s usually worth the wait. Plus, if you sign up for coverage before a week passes after receiving your quote, you get a good discount.
You may want to talk to one of their representatives during the quote process. They can walk you through it and let you know what to do while you wait for a response. You’ll need to have your vehicle identification number, your social security number, and your license.
For the average car insurance rates, American Family offers a premium of $1,451. Keep in mind, that number is before any discounts are applied to the amount. You’re likely to get a better deal, especially if you participate in the KnowYourDrive program.
They also offer rental car reimbursement coverage, rideshare insurance, and lease/loan gap coverage. That way, you can find plenty of rates that fit into your lifestyle. You can find all of these options on their website, where they’re explained in great detail.
Help and Support
The customer service line is open on weekdays from eight in the morning until eight at night, in Central Standard time. You can also always chat with the representative online. The customer service team also has mostly positive reviews online.
However, they only rank average when it comes to servicing claims for their customers. You’ll want to make sure you communicate with them often, especially when trying to get the most from your claims. Overall, you should have a decent experience with customer support.
American Family has some of the best discounts available on the insurance market today. Most notably is the KnowYourDrive discount, which tracks how you drive and offers you a discount accordingly. No matter what, you get at least 5% off for participating.
The company also offers plenty of other discounts, which bring down their high premiums. After the discounts, the company has policies that are much cheaper than many of the other options out there. You’ll want to research and determine what discounts you can apply for.