American Southern Insurance Company Review (2024)

Embark on a journey of protection and assurance with American Southern Insurance Company, a steadfast guardian offering meticulously tailored insurance solutions against life's uncertainties.

UPDATED: Apr 23, 2024Fact Checked

Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

UPDATED: Apr 23, 2024

Advertiser Disclosure

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

Advertiser Disclosure

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.

UPDATED: Apr 23, 2024Fact Checked
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American Southern Insurance Company

Average Monthly Rate For Good Drivers

$100

A.M. Best Rating:

A (Excellent)

Complaint Level:

Low

Pros

  • Wide range of insurance coverage options
  • Competitive rates for various policies
  • Excellent customer support and claims processing
  • Positive client experiences and testimonials
  • Flexible policy customization to fit individual needs

Cons

  • Limited availability in certain regions
  • Some additional benefits may vary by policy type
  • Online account management could be more user-friendly

Embark on a journey of protection and assurance with American Southern Insurance Company. Offering an array of meticulously tailored insurance solutions, including auto, homeowners’, health, life, and business coverage, the company stands as a steadfast shield against life’s uncertainties.

Rooted in a commitment to personalized service, competitive rates, and seamless claims processing, American Southern Insurance ensures that clients receive bespoke coverage that resonates with their individual needs. By enabling policy customization and enhancing coverage with added benefits, the company’s customer-centric approach fosters trust and satisfaction.

Real-life success stories further underscore the profound impact of American Southern Insurance, solidifying its role as an essential ally in securing a confident and safeguarded future.

American Southern Insurance Coverage Options

American Southern Insurance Company takes pride in offering a diverse range of coverage options to cater to various needs and circumstances. Whether you’re looking to protect your personal assets, family, or business, we have you covered with our comprehensive insurance solutions:

  • Auto Insurance: Safeguard your vehicle with our customizable auto insurance policies, providing coverage for accidents, theft, and liability.
  • Homeowners’ Insurance: Protect your home and possessions from unexpected events such as fires, storms, and burglary.
  • Health Insurance: Ensure you and your loved ones have access to quality medical care with our health insurance coverage.
  • Life Insurance: Secure your family’s financial future with life insurance options that provide peace of mind in times of need.
  • Business Insurance: From liability to property coverage, we offer business insurance solutions to safeguard your company’s interests.

Each of our coverage options can be tailored to meet your specific requirements, ensuring that you receive the protection you need without paying for unnecessary extras. With American Southern Insurance Company, you can have confidence in your coverage, knowing that you’re prepared for life’s uncertainties.

Read more: American Southern Home Insurance Company: Customer Ratings & Reviews

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American Southern Insurance Rates Breakdown

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Driver ProfileAmerican SouthernNational Average
Clean Record$165$119
1+ Ticket$205$147
1+ Accident$235$173
DUI$390$209
Poor Credit$284$205

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

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American Southern Insurance Discounts Available

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DiscountAmerican Southern
Anti Theft7%
Good Student14%
Low Mileage10%
Paperless6%
Safe Driver20%
Senior Driver9%

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At American Southern Insurance Company, we believe in rewarding our valued clients with a range of discounts that help make comprehensive coverage even more affordable. Our dedication to providing exceptional value is reflected in the various discounts we offer:

  • Safe Driver Discount: If you have a clean driving record, you can enjoy lower premiums as a reward for your safe driving habits.
  • Multi-policy Discount: Bundle multiple insurance policies with us, such as auto and homeowners’ insurance, and benefit from significant savings on your premiums.
  • Good Student Discount: Students who maintain good grades can avail of this discount, reflecting our commitment to supporting academic excellence.
  • Safe Home Discount: Homeowners who have installed safety features, such as alarm systems or smoke detectors, can enjoy reduced rates.
  • Multi-vehicle Discount: Insure more than one vehicle with us and receive a discount on each policy, making it cost-effective for families.
  • Loyalty Discount: We appreciate long-lasting relationships. Clients who stay with us for multiple years can benefit from loyalty discounts.
  • Safe Business Practices Discount: Business owners who prioritize safety measures and risk management may qualify for this discount on their business insurance.

These discounts are our way of demonstrating appreciation for your trust in American Southern Insurance Company. We’re dedicated to providing quality coverage at the best possible rates, ensuring that your protection remains affordable and reliable.

How American Southern Insurance Ranks Among Providers

American Southern Insurance Company operates in a competitive landscape where several notable players strive to provide insurance solutions and exceptional service. Here are some of the main competitors that the company contends with:

  • National Protection Insurance Group: Known for its wide range of insurance offerings, National Protection Insurance Group competes with American Southern Insurance Company by offering diverse coverage options and competitive rates. Their customer-focused approach and robust claims processing add to their appeal.
  • Regional Insurance Services: This company specializes in catering to specific geographic areas and tailoring policies accordingly. Their local expertise and personalized service can make them a strong competitor, especially in regions where American Southern Insurance Company operates.
  • Guardian Assurance Corporation: Guardian Assurance Corporation is recognized for its innovative policy options and unique benefits. Their emphasis on technology-driven services and user-friendly online platforms can attract customers looking for convenient and modern insurance solutions.
  • Reliable Coverage Insurance Agency: Offering a range of insurance products, Reliable Coverage Insurance Agency is a prominent competitor. They focus on exceptional customer service and have a reputation for quick and efficient claims processing.
  • Trusted Shield Insurance Group: Known for its longstanding presence in the insurance industry, Trusted Shield Insurance Group boasts a diverse portfolio of policies. Their reputation for reliability and comprehensive coverage options makes them a key contender.
  • SecureGuard Mutual Assurance: This insurer is notable for its emphasis on customer education and transparent policies. Their commitment to guiding customers through insurance decisions can be appealing to those seeking clarity in their coverage options.

In this dynamic landscape, American Southern Insurance Company differentiates itself through its commitment to a customer-centric approach, flexible policy customization, competitive rates, and streamlined claims processing.

By continuously improving its services and focusing on customer satisfaction, the company maintains a strong position in the market despite competition from these notable rivals.

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American Southern Insurance Company Claims Process

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

American Southern Insurance Company prides itself on providing a seamless and convenient claims process for its policyholders. They offer multiple channels for filing claims, ensuring that customers can choose the method that suits them best.

Whether you prefer the convenience of filing a claim online, the personal touch of speaking with a representative over the phone, or the flexibility of using their mobile app, American Southern Insurance has you covered.

Average Claim Processing Time

One of the key factors that set American Southern Insurance apart is their commitment to efficient claim processing. While actual processing times may vary depending on the nature and complexity of the claim, the company strives to handle claims as quickly as possible. Their goal is to minimize any inconvenience to policyholders, providing timely assistance when they need it most.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is a valuable metric when assessing an insurance company’s performance, especially in the claims department. American Southern Insurance Company values customer satisfaction and continually seeks to improve its claim resolution process.

While specific feedback may vary, the company’s dedication to ensuring fair and prompt claim payouts is reflected in positive customer experiences.

American Southern Insurance Company Digital and Technological Features

Mobile App Features and Functionality

American Southern Insurance offers a user-friendly mobile app that empowers policyholders to manage their insurance needs with ease. The app is equipped with a range of features and functionalities, allowing users to access policy information, view digital ID cards, file claims, and even request roadside assistance—all from the convenience of their smartphones.

This digital tool enhances the overall customer experience by putting essential insurance resources at customers’ fingertips.

Online Account Management Capabilities

In today’s digital age, online account management is a must for insurance customers, and American Southern Insurance Company understands this well. Their online platform provides policyholders with a secure and convenient way to manage their accounts.

From updating personal information to making premium payments, policyholders can handle various tasks online, saving time and simplifying their insurance experience.

Digital Tools and Resources

American Southern Insurance Company goes beyond basic coverage by offering a wealth of digital tools and resources to assist policyholders. These resources may include educational materials, calculators, and informative articles to help customers make informed insurance decisions.

By providing these digital assets, the company empowers its clients to navigate the complexities of insurance and ensure they have the protection they need. In a rapidly evolving insurance landscape, American Southern Insurance Company embraces digital and technological advancements to deliver a modern and customer-centric insurance experience.

Their commitment to convenience, efficiency, and customer satisfaction is evident in the array of digital features and tools they offer to policyholders.

Frequently Asked Questions

What types of insurance does American Southern Insurance Company offer?

American Southern Insurance Company provides a range of coverage options including auto, homeowners’, health, life, and business insurance.

How does American Southern Insurance stand out in the market?

The company differentiates itself through personalized service, competitive rates, and efficient claims processing, prioritizing customer satisfaction.

Can I bundle different types of insurance with American Southern?

Yes, you can bundle policies like auto and homeowners’ insurance to enjoy discounts and streamline your coverage.

How quickly can I expect my claims to be processed with American Southern Insurance?

American Southern Insurance is known for its streamlined claims process, striving to process claims efficiently to minimize any inconvenience.

Are client experiences showcased?

Absolutely, real-life client stories highlight the positive impact of American Southern Insurance, demonstrating the company’s dedication to protection and peace of mind.

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Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

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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