As a car owner, you understand the importance of having auto insurance. It not only protects your vehicle but also provides financial security in case of accidents or theft. With so many insurance providers in the market, choosing the right one can be a daunting task. American Family Auto Insurance is one of the leading providers in the US. In this article, we will review the company and help you decide if it is worth the investment.
Overview of American Family Auto Insurance
American Family Auto Insurance, also known as AmFam, was founded in 1927. The company is headquartered in Madison, Wisconsin and has over 11,000 agents across 19 states. It offers a wide range of insurance products, including auto insurance, home insurance, life insurance, and business insurance.
Auto Insurance Coverage Options
One of the biggest advantages of choosing American Family Auto Insurance is the variety of coverage options available. The company offers standard coverage options like liability, collision, and comprehensive coverage. It also offers add-on options like roadside assistance, rental reimbursement, and accident forgiveness.
One unique feature of AmFam is its “KnowYourDrive” program. This program uses telematics technology to track your driving habits and rewards safe driving behavior with discounts on your premiums. This program is ideal for safe drivers who want to save money on their insurance.
Pricing and Discounts
Pricing is a crucial factor when choosing an auto insurance provider. American Family Auto Insurance offers competitive rates, but the actual cost of your policy will depend on several factors, including your age, driving history, and location.
The company also offers several discounts to help you save money. These discounts include multi-car discounts, good student discounts, and safe driver discounts. AmFam also has a loyalty program that rewards customers for staying with the company for a long time.
Customer Service
Customer service is another important factor to consider when choosing an auto insurance provider. American Family Auto Insurance has a good reputation for customer service. The company has a 24/7 claims service and offers online account management and mobile apps for easy access to your policy information.
The company also has a high customer satisfaction rating. According to J.D. Power’s 2020 U.S. Auto Insurance Study, American Family Auto Insurance received a score of 881 out of 1000, which is above the industry average of 872.
Pros and Cons of American Family Auto Insurance
Like any auto insurance provider, American Family Auto Insurance has its pros and cons. Here are some of the key advantages and disadvantages:
Pros:
- Wide range of coverage options
- Competitive pricing
- Discounts for safe driving, loyalty, and more
- Good customer service and high customer satisfaction rating
Cons:
- Not available in all states
- Telematics program may not be suitable for all drivers
- No accident forgiveness for new customers
Final Verdict
Overall, American Family Auto Insurance is a reliable and affordable option for car owners. The company offers a wide range of coverage options, competitive pricing, and discounts for safe driving and loyalty. Its customer service is also top-notch, with a high satisfaction rating.
However, the company may not be the best option for everyone. If you live outside its service area or prefer a different type of coverage, you may want to consider other providers. Ultimately, the decision comes down to your personal preferences and budget.
If you are considering American Family Auto Insurance, we recommend getting a quote and comparing it with other providers to ensure you are getting the best deal. With the right coverage and provider, you can have peace of mind knowing your car is protected in case of any unexpected events.