assurance america

assurance america

Founded in 1998, assurance america provides property and casualty insurance to the non-standard private automobile segment.
AssuranceAmerica, headquartered in Atlanta, Georgia, is comprised of AssuranceAmerica Insurance Company and AssuranceAmerica Managing General Agency. AssuranceAmerica Companies provide insurance management services and insurance wholesale services through over 2,600 highly professional independent agents.
Always provide the same information and ask for the same coverage at each company so you will be comparing apples to apples. Read the fine print and make sure nothing is excluded from the quote like Rental car coverage, towing, medical, etc.

For the purposes of the quote, the insurance company will not ask you your social security number, but keep in mind your actual cost maybe higher or lower depending on your credit history. If you’re not sure about some of the terminology or coverage, take notes so that you can ask the insurance company about them directly.

Once you have at least five quotes emailed to you, take the lowest two or three quotes and see if they are less than what you are paying now. Most likely at least one of them is much lower. At this point you will want to call them directly to get the most accurate quote by providing additional personal information. For additional discounts, here is a checklist of things you should ask about.

[] $500 deductible

[] $1,000 deductible

[] Paying monthly, semi-annually, or annually

[] More than 1 car

[] No Accidents in 3 Years

[] No Moving Violations in 3 Years

[] Driver Training Courses

[] Defensive Driving Courses

[] Anti-Theft Devices

[] Low Annual Mileage

[] Air Bags

[] Anti-Lock Brakes

[] Daytime Running Lights

[] Student Drivers with Good Grades

[] Auto and Homeowners Coverage with the Same Company

[] College Students away from Home

[] Long-Time Customer

[] Other Discounts

  1. Saving Insurance Premium on cars you own outright.

If you own a clear title to your car, meaning there is no bank loan on it, then you may want to consider dropping the collision/comprehensive coverage. As a rule of thumb, if the cars value is less than $3000, it may not make sense for you to pay for this additional coverage. Over time, the cost of the additional insurance premium will exceed the value of the car. It’s pretty simple math.

Check the fair market value of your car either through Edmunds.com or even your local newspaper. See what other people are trying to get for the same car. Keep in mind your cars mileage, condition, and age. Has it been in an accident before? Does it have unusually high mileage in excess of 15,000 miles per year? Does it need new tires? You get the idea. Be realistic, because in the event that this car is in an accident and is damaged beyond repair, it is unlikely you will get the full value of the car.

  1. Ask About Insurance Rates in Different Areas

Rates can vary widely even in the same state. Different locals have different accident rates, population, and crime. These all factor in to the final cost. If you are moving to a different area, ask about what the rates are for that town.

  1. Ask About Getting Other Insurance Policies Together With Your Auto Insurance

Combining insurance policies with the same company can often give you additional discounts. If you own a home, ask about combining your homeowners insurance with your auto insurance.