Are You Considering American Family Auto Insurance?
Back in October of 1927, the company known today as American Family Insurance was originally incorporated under the name “Farmer’s Mutual”. When the business first started, they made their profits designing low-risk policies sold exclusively to farmers. And it turns out this assumption about rural life paid off, because the company has been growing steadily since the early part of the 20th century. Today in 2016, they offer financial products to insure more than just automobiles – they cover a wide array of recreational vehicles as well. And it doesn’t stop there. If you want to protect more of your property, such as your home, your travel plans, or even take out a life insurance policy, American Family can provide you with assistance in those areas as well.
American Family Insurance Review
When you’re looking for insurance, you want to make sure the company you choose is good at two very important things: customer service, and keeping their financials strong. If the company is about to go broke, it might not be a good idea to invest in them. And nobody likes dealing with a company which provides poor customer service.
|A.M. Best (2016)||A|
|Better Business Bureau||A-|
|Consumer Affairs||3 out of 5 stars|
While all of the above looks promising, it should be noted that most of the positive reviews on the Consumer Affairs website were from 2015 and prior. Additionally, even though the BBB gives them a high rating of A-, there have been 274 complaints filed against them in the last three years with 98 of those happening within the last 12 months.
American Family Insurance Discounts
American Family offers no shortage of discounts to its automotive customers. But most of them are pretty standard. You can get discounts for bundling policies, switching from a competitor, and being a good/safe driver (yes, even if you’re a teenager). Their site doesn’t specifically tell you how much you can save, but here are a few ballpark estimates on certain discounts:
|Safety Equipment (for factory air-bags)||10-30%|
|Defensive Driver Course Completion (for drivers 55+)||5-10%|
|Low Mileage Discount||Drive < 7,500/year (discount amount varies by state|
American Family Auto Insurance Options
American Family Insurance offers a versatile list of different types of insurance coverage to satisfy nearly every type of driver. Whether you have an older car that doesn’t need as much investment, a business vehicle that needs to be covered, or a classic/luxury vehicle which needs a little extra protection, they are prepared to sell you a policy that meets your needs:
- Property Damage Liability
- Bodily Injury Liability
- Collison and Comprehensive
- Medical Expense Coverage
- Personal Injury Protection
- Lease/Loan Coverage
- Rental Reimbursement Coverage
- Emergency Road Assistance
- Uninsured and Underinsured Motorist Coverage
- Accidental Death and Dismemberment Coverage
Comparing American Family Insurance Quotes
To get an accurate quote from American Family Insurance, you may have to contact an agent directly and give them your personal information, like your credit score or your social security number. But if you go that far and get a quote from them, be sure to compare it to what else might be available in your area:
The chart above displays average rates for drivers across the country who own their own home and drive reliable sedans. Your circumstances may be different (you may have a few speeding tickets on your record, for example) and this will likely change your quoted rate. That’s why it’s important to comparison-shop in order to get the best deal.
Pros and Cons of American Family Insurance
|Positive customer and financial strength reviews||2016 has seen a surge in negative customer feedback for American Family|
|They are a large company operating across several states which offers multiple types of coverage including auto|
American Family Insurance is a company which has been around for a long time. They built a strong foundation for their business several decades ago and, according to major credit rating agencies, they are financially strong. However, the sudden downturn in customer satisfaction during the year 2016 might make some drivers concerned. But the best way to know for sure is to enter your zip code for fast, free quotes near you!
6000 American Parkway
Madison, WI 53783