American Sentinel Insurance Company Review [2024]
American Sentinel Insurance Company is at the forefront of providing a comprehensive suite of insurance options, addressing the varied needs of individuals and businesses.
Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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American Sentinel Insurance Company
Average Monthly Rate For Good Drivers
$119A.M. Best Rating:
B++Complaint Level:
LowPros
- American Sentinel Insurance offers a wide variety of insurance such as life, health, auto, business, and trucking.
- It has an annual premium of $37,917,463.00.
- The quote process and claim process is simple and easy to do.
Cons
- American Sentinel Insurance Company’s A.M. Best rating has been placed under review with developing implications, and the Financial Strength Rating of B++ (Good).
- American Sentinel Insurance Company has one complaint listed against them.
Currently located in Harrisburg, PA, American Sentinel Insurance Company is part of the Life Insurance Carries Industry, which also has 21 companies in the American Sentinel Insurance Co corporate family. From life insurance, home and auto insurance, or even business insurance, buying insurance is something many of us dread dealing with. You may even be asking, “Is all life insurance the same?”
It can be an expense many people do not want to take on, but life insurance should be taken seriously. It can not only save you money, but protect your loved ones in the event of an emergency. Even though everyone knows they need insurance for different aspects of their life, they are still often times reluctant on choosing a company.
Before reading about American Sentinel Insurance Company quotes and what they have to offer for your specific needs check out our FREE quote tool. It’s free and easy to do, plus comparing quotes is another great way to save money.
What You Should Know About American Sentinel Insurance Co
Shopping for insurance can cause some unneeded stress, whether is it life insurance or auto insurance it is important to get the best rate possible. Doing this means researching companies and what they my be like years down the road. You want a company who will be there for you, and who has information readily available for you. Below we’ve compiled some details you should always look at when reviewing a life insurance company.
American Sentinel Insurance Company: Quote Process
To get a quote and request information you would just contact American Sentinel Customer Service Agents at 1-800-692-7338 to see which types of insurance policies are available in your area. To get a quote online you can also get a quote via the American Insurance Company website.
American Sentinel Insurance Company: Claim Process
Making a claim with American Sentinel Insurance Company is easy. To submit a claim all you have to do is call the claims service line at 1-800-233-2160. There is also a claim form that can be completed and mailed to American Sentinel’s insurance company claims address at AMA and Associates PO Box 659570 San Antonio Texas, 78265.
Why did American Sentinel Insurance rating decrease?
American Sentinel received a decrease rating by the A.M. Best as “under review with negative implications” standing and downgraded the company’s financial strength rating from A (excellent) to B++ (good). It has also downgraded the company’s long-term issuer credit rating from “A” to “BBB”
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What else is there to know about American Sentinel Insurance?
American Sentinel Insurance is a subsidiary company of the Aegis Insurance group. Even though the company is wholly owned, it operates under its own name. American Sentinel Insurance has been a member of the Aegis Group since 1998. American Sentinel Insurance contact number is 717-540-0600.
American Sentinel Insurance offers a wide variety of insurance such as life, health, auto, business and trucking. American Sentinel Commercial Insurance is available in California.
You may be wondering how to choose a business insurance provider. It is important to know what each company offers when it comes to small business insurance and what is important.
American Sentinel Insurance Ratings
As with most companies, American Sentinel Insurance has ratings with the BBB as well as A.M Best.
American Sentinel’s Insurance company A.M Best rating has been placed under review with developing implications and the Financial Strength Rating of B++ (Good).
American Sentinel insurance company is rated an A+ with the Better Business Bureau but is not BBB accredited.
American Sentinel Insurance Co Insurance Coverage Options
American Sentinel Insurance Company offers a diverse range of insurance coverages, providing comprehensive protection for various aspects of life. Whether you’re looking for life, health, auto, home, or business insurance, American Sentinel aims to meet your needs. Below, we’ll delve into the coverages offered by the company, highlighting key features and considerations for each.
- Life Insurance: American Sentinel Insurance Company provides life insurance policies to safeguard your loved ones financially in the event of an unforeseen circumstance. Policies may include term life, permanent life, and no medical exam life insurance options.
- Health Insurance: The company offers health insurance coverage, addressing medical expenses and ensuring access to quality healthcare services.
- Auto Insurance: American Sentinel provides auto insurance to protect you and your vehicle against various risks, including accidents, theft, and other unforeseen events.
- Home Insurance: Covering homeowners and renters, American Sentinel’s home insurance policies protect against property damage, liability, and other related risks.
- Business Insurance: For businesses, American Sentinel offers a range of insurance solutions, including commercial property, liability, and other coverages tailored to specific business needs.
- Trucking Insurance: Catering to the transportation industry, American Sentinel provides insurance options for trucking businesses, ensuring coverage for trucks, cargo, and liability.
American Sentinel Insurance Company stands as a comprehensive insurance provider, offering a wide array of coverages to meet the diverse needs of individuals and businesses alike. By prioritizing financial protection and security, American Sentinel aims to provide peace of mind to its policyholders.
American Sentinel Insurance Co Insurance Rates Breakdown
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| Driver Profile | American Sentinel | National Average |
|---|---|---|
| Clean Record | $155 | $119 |
| 1+ Ticket | $195 | $147 |
| 1+ Accident | $225 | $173 |
| DUI | $375 | $209 |
| Poor Credit | $267 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
Typical American Sentinel Rates by age for male and female smokers and non smokers.
American Sentinel Life Insurance Average Monthly Rates for a $100,000/10-Year Term Policy
| Age | Female/Non-Smoker | Male/Non-Smoker | Female/Smoker | Male/Smoker |
|---|---|---|---|---|
| 25 | $11.32 | $12.27 | $14.17 | $15.98 |
| 30 | $11.32 | $12.27 | $14.17 | $16.68 |
| 35 | $11.66 | $12.53 | $19.18 | $21.51 |
| 40 | $14.4 | $15.64 | $24.80 | $30.76 |
| 45 | $25 | $29 | $66 | $82 |
| 50 | $23.85 | $28.51 | $33.61 | $43.63 |
| 55 | $31.02 | $41.64 | $47.17 | $65.06 |
| 60 | $42.85 | $65.85 | $75.77 | $108.96 |
It is easy to see, a women 30-year-old, non-smoking female can obtain rates as low as $11.32/month for a $100,000/10-year term policy.
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American Sentinel Insurance: The Bottom Line
American Sentinel Insurance Company, NAIC has one complaint listed against them but also has an annual premium of $37,917,463.00.
Now that you have read this review and are up-to-date about what American Sentinel Insurance has to offer, use our FREE quote tool below to compare rates from the top insurance companies.
American Sentinel Insurance Co Discounts Available
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| Discount | American Sentinel |
|---|---|
| Anti Theft | 7% |
| Good Student | 14% |
| Low Mileage | 10% |
| Paperless | 6% |
| Safe Driver | 20% |
| Senior Driver | 9% |
These discounts are designed to reward responsible behavior, promote safety, and ultimately reduce the overall cost of insurance. Below, we’ll explore the discounts provided by American Sentinel, highlighting potential savings for those seeking insurance coverage.
- Safe Driver Discount: Policyholders with a clean driving record may be eligible for a safe driver discount, encouraging and rewarding responsible driving habits.
- Multi-Policy Discount: Bundling multiple insurance policies, such as auto and home insurance, can lead to significant discounts, providing cost savings for policyholders.
- Good Student Discount: Students who demonstrate academic excellence may qualify for a good student discount, recognizing their commitment to education.
- Home Security Discount: Implementing security measures in your home, such as alarms and surveillance systems, may make you eligible for a home security discount.
- Safe Vehicle Discount: Driving a vehicle equipped with safety features or having a high safety rating may result in a discount on your auto insurance premiums.
- Claims-Free Discount: Policyholders who maintain a claims-free record over a specified period may be eligible for a discount, reflecting their low-risk profile.
American Sentinel Insurance Company not only prioritizes comprehensive coverage but also strives to make insurance more affordable through a range of discounts. These discounts acknowledge responsible behavior, incentivizing safe driving, securing homes, and maintaining a claims-free history.
How American Sentinel Insurance Co Ranks Among Providers
Understanding the landscape and the strengths of these competitors is crucial for individuals seeking insurance options. Below, we’ll explore some of the main competitors of American Sentinel, shedding light on what distinguishes them in the insurance market.
- State Farm: As one of the largest and most well-known insurance providers, State Farm offers a wide range of insurance products, including auto, home, life, and health insurance.
- Allstate: Allstate is recognized for its extensive network of agents and diverse insurance offerings, spanning auto, home, life, and business insurance.
- Geico: Known for its competitive pricing and humorous advertising, Geico is a major player in the auto insurance market, providing coverage to millions of policyholders.
- Progressive: Progressive is celebrated for its innovative approach to auto insurance, offering features like usage-based insurance and a strong online presence.
- Liberty Mutual: Liberty Mutual provides a range of insurance products, emphasizing personalized coverage and offering solutions for auto, home, and life insurance.
Navigating the insurance market involves considering the offerings and strengths of various competitors. While American Sentinel Insurance Company provides a diverse set of coverages and discounts, competitors such as State Farm, Allstate, Geico, Progressive, and Liberty Mutual bring their own unique strengths to the table.
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Frequently Asked Questions
Is American Sentinel a commercial insurance?
According to AM Best, American Sentinel has been operating under a new business plan following the termination of a pooling agreement of Aegis Security Insurance Company. The new plan focuses on commercial auto liability, specifically small owner-operator fleet.
Is American Southern Home Insurance the same as American Sentinel Insurance?
No, American Southern Home Insurance is a completely different insurance company.
What is the loss run of American Sentinel Insurance Company?
A loss run is a document that records the history of claims made against a commercial insurance policy. It is analogous to a credit report. A loss run report will include information including the date of the claim, the amount paid, and a description of the event. Currently this information is unknown about the American Sentinel Insurance Company.
Is American Sentinel Insurance Co a Good Choice?
Shopping for insurance can be stressful, whether it is life insurance or auto insurance. It is important to get the best rate possible. Doing this means researching companies and what they may be like years down the road. You want a company who will be there for you and who has information readily available for you.
How can I get a quote from American Sentinel Insurance Company?
To get a quote and request information, you can contact American Sentinel Customer Service Agents at 1-800-692-7338 to see which types of insurance policies are available in your area. To get a quote online, you can also get a quote via the American Insurance Company website.
Compare Insurance Providers Rates to Save Up to 75%
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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