American Road Insurance Company: Customer Ratings & Reviews [2024]

American Road Insurance Company has been providing affordable and reliable insurance coverage to customers across the United States for over 50 years. With a range of coverage options, including auto, home, motorcycle, RV, and boat insurance, the company offers competitive pricing and exceptional customer service. American Road Insurance Company is recognized for its commitment to customer satisfaction, with many customers praising the company for its easy claims process and knowledgeable representatives. The company offers a variety of discounts to help customers save money on their insurance premiums and has a low level of customer complaints. However, the lack of an online quote option and limited options for add-on coverage may be a drawback for some customers.

What You Should Know About American Road Insurance Company

American Road Insurance Company Insurance Coverage Options

American Road Insurance Company offers a range of coverage options for various types of vehicles and properties. These coverage options include:

• Auto Insurance: liability, collision, comprehensive, personal injury protection, and uninsured/underinsured motorist coverage
• Home Insurance: dwelling, personal property, liability, and additional living expense coverage
• Motorcycle Insurance: liability, collision, comprehensive, and accessory coverage
• RV Insurance: liability, collision, comprehensive, and personal effects coverage
• Boat Insurance: liability, collision, comprehensive, and on-water towing coverage

These coverage options can be customized to meet the specific needs of each customer. American Road Insurance Company also offers additional add-on coverage options for customers who want extra protection, such as roadside assistance and rental car coverage. The company emphasizes the importance of choosing the right coverage options to ensure that customers have adequate protection in the event of an accident or other covered event.

American Road Insurance Company Insurance Rates Breakdown

American Road Insurance Company offers a range of coverage options, including auto, home, motorcycle, RV, and boat insurance. The overall cost of insurance is shaped by various elements, each playing a crucial role in determining premiums.

From the type and extent of coverage to individual-specific factors and available discounts, a comprehensive overview of these influences is essential for customers seeking the right coverage at competitive rates.

Factors include :

• Type of Coverage: The chosen insurance coverage, whether it’s auto, home, motorcycle, RV, or boat insurance, influences the overall cost.
• Extent of Coverage: Factors like liability limits and deductibles contribute to shaping the premium amount.
• Driving History: The insured individual’s driving record, including accidents and traffic violations, affects the insurance premium.
• Vehicle Details: The type, make, model, and usage frequency of the insured vehicle play a role in determining insurance rates.
• Home Characteristics: For home insurance, factors such as the location, characteristics of the home, and coverage limits impact the cost.
• Customer-Specific Elements: Individual factors like credit history and age may be considered in the calculation of premiums.
• Discounts: Various discounts, including those for safe driving, policy bundling, and loyalty, can offset costs and contribute to potential savings.

Customers should consider these factors when obtaining a quote and discuss available discounts to ensure accurate and competitive premium rates based on their unique circumstances.

American Road Insurance Company Discounts Available

American Road Insurance Company offers a variety of discounts to help customers save money on their insurance premiums. These discounts include:

• Safe Driver Discount: for drivers who have maintained a clean driving record for a certain number of years
• Multi-Vehicle Discount: for customers who insure more than one vehicle with American Road Insurance Company
• Homeowner Discount: for customers who own their home or condo
• Paid-in-Full Discount: for customers who pay their annual premium in full upfront
• Anti-Theft Device Discount: for customers who install anti-theft devices in their vehicles
• Good Student Discount: for students who maintain a certain grade point average
• Military Discount: for active-duty military members and veterans
• Senior Discount: for drivers over a certain age (varies by state)

These discounts can add up to significant savings on insurance premiums, and American Road Insurance Company encourages customers to inquire about all available discounts when purchasing or renewing their policies.

How American Road Insurance Company Ranks Among Providers

American Road Insurance Company’s main competitors are likely to include the following companies:

• Allstate: Allstate is one of the largest insurance providers in the United States, offering a variety of insurance products including auto, home, life, and renters insurance. The company has been in business for over 85 years and is known for its strong financial ratings and broad range of coverage options.
• State Farm: State Farm is another major insurance provider in the United States, offering auto, home, life, and health insurance, as well as banking and financial services. The company has been in business for nearly 100 years and is known for its extensive agent network and strong customer service.
• GEICO: GEICO is a well-known insurance provider that offers auto, home, renters, and pet insurance, among other products. The company is known for its catchy advertising campaigns and competitive pricing, as well as its user-friendly website and mobile app.
• Progressive: Progressive is a leading insurance provider that offers auto, home, renters, and commercial insurance, as well as various other products and services. The company is known for its strong online presence and innovative technology, as well as its range of discounts and coverage options.
• Nationwide: Nationwide is a major insurance provider that offers auto, home, renters, and life insurance, as well as banking and financial services. The company has been in business for over 90 years and is known for its flexible coverage options and strong customer service.

Each of these companies has a strong reputation in the insurance industry and offers a variety of products and services that compete with those of American Road Insurance Company. While pricing and coverage options may differ between companies, customers often consider factors such as financial ratings, customer service, and online tools and resources when choosing an insurance provider.