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American Commerce Insurance Company Review (2024)

Navigate life's uncertainties confidently with American Commerce Insurance Company, providing comprehensive coverage from auto to business insurance, backed by financial stability and a commitment to customer satisfaction.

UPDATED: Apr 23, 2024Fact Checked

Written by:

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...

Full Bio →
Written by Laura D. Adams

Insurance & Finance Analyst

Reviewed by:

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...

Full Bio →
Reviewed by Daniel Walker

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.

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UPDATED: Apr 23, 2024Fact Checked
3.8
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American Commerce Insurance Company

Average Monthly Rate For Good Drivers

$100

A.M. Best Rating:

A

Complaint Level:

Low

Pros

  • Wide range of insurance offerings, from auto to business.
  • Competitive rates that provide value for various customers.
  • Strong financial stability and A.M. Best rating.
  • Dedicated to customer satisfaction with a low complaint level.
  • Tailored insurance plans for different needs.

Cons

  • Limited availability in certain regions.
  • Online claim process could be more streamlined.
  • Additional discounts and rewards could enhance customer benefits.

In conclusion, American Commerce Insurance Company stands as a beacon of security in an unpredictable world. With an array of insurance solutions that cater to diverse needs, this company is committed to safeguarding what matters most.

Whether it’s the comprehensive coverage of auto insurance, the protection of homeowners’ insurance, or the tailored plans for businesses, American Commerce ensures that individuals, families, and enterprises can navigate life’s uncertainties with confidence.

The engaging and conversational style of their offerings makes understanding insurance less daunting, while their dedication to customer satisfaction, reflected in their low complaint level, underscores their commitment to excellence.

As a trusted partner in safeguarding your assets and peace of mind, American Commerce Insurance Company invites you to explore their comprehensive coverage options and experience the assurance that comes from having a reliable ally by your side.

American Commerce Insurance Company (MAPFRE) Insurance Coverage Options

American Commerce Insurance Company offers a diverse range of coverage options designed to cater to the unique needs of its customers. These coverage options include:

  • Auto Insurance: Providing protection against various risks on the road, including collision, liability, comprehensive coverage, and medical payments.
  • Homeowners’ Insurance: Covering property damage, theft, liability, and personal belongings, ensuring homeowners are safeguarded from unexpected events.
  • Business Insurance: Tailored packages for businesses, including property insurance, general liability coverage, business interruption insurance, and specialized industry-specific coverage.
  • Renters’ Insurance: Protecting renters’ personal belongings and liability in case of accidents within the rented property.
  • Umbrella Insurance: Offering additional liability coverage beyond the limits of other insurance policies, providing an extra layer of protection.
  • Life Insurance: Providing financial security for loved ones in the event of the policyholder’s passing, with options including term life, whole life, and universal life insurance.
  • Health Insurance: Helping individuals and families manage medical expenses by covering a portion of healthcare costs.
  • Motorcycle Insurance: Offering coverage for motorcycle owners, including liability, collision, and comprehensive options.
  • Boat and Watercraft Insurance: Protecting boat owners from risks on the water, including damage, theft, and liability.
  • RV Insurance: Providing coverage for recreational vehicles, including motorhomes, trailers, and campers.
  • Flood Insurance: Safeguarding against flood-related damages, which are often excluded from standard homeowners’ insurance policies.

American Commerce’s extensive coverage options cater to a wide range of lifestyles and circumstances, ensuring that customers can find the protection they need for the things that matter most to them.

Read More: Top Business Insurance Providers

Read more: Mapfre Insurance Company Review

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American Commerce Insurance Company (MAPFRE) Insurance Rates Breakdown

Driver ProfileAmerican CommerceNational Average
Clean Record$145$119
1+ Ticket$165$147
1+ Accident$175$173
DUI$185$209
Poor Credit$249$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 Commerce Insurance Company (MAPFRE) Discounts Available

DiscountAmerican Commerce Insurance Company
Anti Theft8%
Good Student11%
Low Mileage9%
Paperless6%
Safe Driver7%
Senior Driver13%

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American Commerce Insurance Company is dedicated to providing its customers with value and savings through various discounts tailored to their needs. These discounts include:

  • Multi-Policy Discount: By bundling multiple insurance policies, such as auto and homeowners’ insurance, customers can enjoy a substantial discount on their premiums.
  • Safe Driver Discount: Rewarding safe driving habits, this discount is perfect for those with clean driving records and a history of responsible behavior on the road.
  • Good Student Discount: Students who excel academically can benefit from lower insurance rates, encouraging both education and responsible driving.
  • Anti-Theft Device Discount: Installing anti-theft devices in your vehicle not only enhances security but also leads to reduced insurance costs.
  • Home Security System Discount: Homeowners can enjoy savings on their insurance premiums by having a robust security system in place to protect their property.
  • Loyalty Discount: American Commerce values its long-term customers. As a token of appreciation, loyal policyholders can qualify for special discounts over time.
  • Safe Business Practices Discount: Business owners who prioritize safety in their operations can earn discounts on their business insurance plans.
  • Pay-in-Full Discount: Customers who choose to pay their annual premium in one lump sum can benefit from a discount on their insurance rates.
  • Defensive Driving Course Discount: Completing an accredited defensive driving course can lead to reduced premiums, as it demonstrates a commitment to safe driving practices.

These discounts reflect American Commerce’s commitment to providing not only comprehensive coverage but also cost-effective solutions that cater to individual circumstances.

How American Commerce Insurance Company (MAPFRE) Ranks Among Providers

American Commerce Insurance Company operates in a competitive landscape where several prominent players vie for customers’ attention. Some of its main competitors include:

  • State Farm: Known for its extensive network of agents and comprehensive coverage options, State Farm offers a wide range of insurance products including auto, homeowners’, and life insurance.
  • Geico: Renowned for its catchy advertising campaigns and competitive pricing, Geico is a major player in the auto insurance market, emphasizing simplicity and convenience in its offerings.
  • Allstate: Allstate is recognized for its personalized approach to insurance, providing a variety of coverage options and discounts to tailor policies to individual needs.
  • Progressive: With a focus on innovation and technology, Progressive is a significant contender in the auto insurance sector, offering features like usage-based insurance and a range of coverage options.
  • Liberty Mutual: Liberty Mutual offers diverse coverage options and stands out for its commitment to customer service, as well as its various discounts and rewards programs.
  • Nationwide: Nationwide’s strong emphasis on customer relationships and flexibility in coverage options positions it as a notable competitor in the insurance market.

These competitors, along with others, contribute to a dynamic industry landscape where American Commerce Insurance Company competes by offering a comprehensive suite of insurance products, personalized service, and competitive pricing to meet the diverse needs of its customers.

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Streamlined Claims Process With American Commerce Insurance Company

Ease of Filing a Claim

American Commerce Insurance Company offers multiple convenient ways to file a claim. You can file a claim online, over the phone, or even through their mobile apps. This flexibility ensures that you can choose the method that suits you best, making the claims process as hassle-free as possible.

Average Claim Processing Time

The average claim processing time is a critical factor when assessing an insurance provider’s efficiency. American Commerce Insurance Company is committed to timely claim resolution. However, specific processing times may vary depending on the nature and complexity of the claim. It’s advisable to contact the company directly for more precise information related to your claim.

Customer Feedback on Claim Resolutions and Payouts

To gauge the effectiveness of American Commerce Insurance Company’s claim resolutions and payouts, it’s valuable to consider customer feedback. Reviews and testimonials from policyholders can provide insights into the company’s performance in this regard. Be sure to explore customer reviews to understand how satisfied customers are with their claim experiences.

Digital and Technological Features by American Commerce Insurance Company

Mobile App Features and Functionality

American Commerce Insurance Company’s mobile app is designed to provide policyholders with easy access to their insurance information. You can manage your policies, view important documents, and even file claims directly through the app. The user-friendly interface ensures a seamless experience for users on the go.

Online Account Management Capabilities

With American Commerce Insurance Company’s online account management capabilities, policyholders can conveniently access and manage their policies. This includes reviewing policy details, making payments, updating personal information, and more. The online portal offers a convenient way to stay in control of your insurance accounts.

Digital Tools and Resources

American Commerce Insurance Company offers a range of digital tools and resources to assist policyholders in making informed decisions. These tools may include calculators to estimate coverage needs, educational resources about insurance products, and guides on how to navigate the insurance landscape effectively.

Frequently Asked Questions

Is American Commerce Insurance Company (MAPFRE) a reliable insurance provider?

American Commerce Insurance Company is known for its commitment to customer satisfaction and financial stability. With positive reviews and a low complaint level, it stands as a secure option for various insurance needs.

What types of insurance coverage does American Commerce Insurance Company offer?

American Commerce Insurance Company provides a wide range of coverage options, including auto insurance, homeowners’ insurance, and tailored plans for businesses. Their offerings are designed to cater to diverse needs and lifestyles.

How does American Commerce Insurance Company compare to other insurance providers?

In a competitive landscape, American Commerce competes by offering comprehensive coverage, personalized service, and competitive pricing. It stands out among competitors with its commitment to customer satisfaction and a variety of insurance products.

What is the claims process like with American Commerce Insurance Company?

American Commerce Insurance Company offers a streamlined claims process with multiple convenient filing options, including online, phone, and mobile apps. The company is committed to timely claim resolution, but specific processing times may vary.

What digital features does American Commerce Insurance Company provide to policyholders?

American Commerce Insurance Company offers a mobile app for easy access to insurance information, online account management capabilities, and various digital tools and resources. These features aim to provide policyholders with a seamless and convenient experience.

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Written by:

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...

Full Bio →
Written by Laura D. Adams

Insurance & Finance Analyst

Reviewed by:

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...

Full Bio →
Reviewed by Daniel Walker

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.

Reviews
for American Commerce Insurance Company (Mapfre)

3.84 (64 reviews)
4
July 30, 2019

Honey717

Great Company

American Commerce took great care of my claim. Even though is was not my fault, They fought for me.
1
June 17, 2019

Pat41rogers

Horrible company. They try to scam you

Absolutely horrible company. I got into a car addident that was not my fault at all (I was driving through a parking lot and another car backed up, very fast, and hit me, essentially T-boning my car) and this company has been horrible throughout the entire process. To start, when reporting the claim, they tried to rush me off the phone before even talking about my rental car (which I have in my policy). Next, the person they assigned to evaluate ...
Absolutely horrible company. I got into a car addident that was not my fault at all (I was driving through a parking lot and another car backed up, very fast, and hit me, essentially T-boning my car) and this company has been horrible throughout the entire process. To start, when reporting the claim, they tried to rush me off the phone before even talking about my rental car (which I have in my policy). Next, the person they assigned to evaluate my car was away on vacation the next week so I had to wait over a week to determine if my car was even totaled or not. Finally they determine it totaled and take the car. But it doesn’t end there. The adjuster they assign to my car, is away on vacation, so yet another week goes by. I finally get a value for my car 2 weeks after the crash. Now this is where it gets good. These guys didn’t bother to even look at my car before putting the most basic model into their system without any features and give me a price for that vehicle. I laughed at them when they told me their first offer. So now I needed to go take a look at their report, find what was wrong, determine what features my car actually had, and then report this to them. You know, essentially do their job for them. They come back after the weekend with an offer that was $343 better (went from $3,588 to $3,931) a whole 10% difference. Now if I were to take a guess, they are undervaluing every single customer they have. When they are just going to go and get this money back from the other insurance company at the end of the day, why they decided to try to scam me and lose a customer in the process just doesn’t make sense. So now there is still another issue with this company, they refuse to remove my duductable. The day after the crash the other persons insurance called and said they take full liability for the crash, ok that’s great for me, I assume no deductible now. So when speaking with my insurance (American commerce) they said they didn’t make that determination yet. When I told them about the other company they said “well if you would like to call them and get that information for us we can certainly take a look at it” so once again they told me “hey go do our job for us”. When I asked if they even looked at the police report (this was 2 weeks 3 days after the crash) they said they haven’t even done that yet. What have I been paying for all these years? I’ve been paying for the knowledge that when an accident happens, my insurance company is going to do everything in their power, to screw me over and pay out as little money as possible. On top of the fact they are not paying me anything close to what my car is worth, the customer service has been horendois, when I question why the value they give me is so low or why my deductible is still there, I get an attitude every single time as if I should be expecting such horrible service.
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1
August 30, 2018

musclecars

Great Company if you Never File a Claim

Absolute the worst when it comes to filing claims. We were run over by a truck (Travelers ins). Took 5 weeks to settle the claim. Took two days to determine the other driver was at fault. Now for a broken windshield we are in day 8 of waiting for determination of coverage. Should have installed it myself.
1
March 13, 2018

nicollai

American Commerce review

The worst experience I ever had. During 2 years with this company, I had couple big problems. The first was when they revoked my plates without letting me know. When I went to their office asking what’s going on, their answer was that the person who was taking care about your policy doesn’t work here any more and she didn’t provide all my back information, but they used to change me a couple of months before, directly from my checking accou...
The worst experience I ever had. During 2 years with this company, I had couple big problems. The first was when they revoked my plates without letting me know. When I went to their office asking what’s going on, their answer was that the person who was taking care about your policy doesn’t work here any more and she didn’t provide all my back information, but they used to change me a couple of months before, directly from my checking account. Finally, they wrote a letter explaining it’s their fault and I been to court and fixed the problem spending time and around $1000. Second problem was when I sold my car and tried to transfer the insurance to the new car. They told me I was all set. After 3 months, I got a letter regarding my cancellation of my plates. They didn’t transfer the insurance to the new car. When I called them, they still had the old car in their system. The last problem I had was when I moved my insurance to a different company being tired of them, letting them know before they charge me for the new month, but they charged telling we gonna give you a refund. From $265 they returned $35. I’m so pissed off. I don’t recommend to anyone!
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5
March 9, 2018

sbrodeur92

Car Insurance

Full coverage for a fair price, and was able to add high limits because of how often I use my personal vehicle for work.
4
March 7, 2018

WhyThisWTF

Insurance that works

I have never had a problem that could not be fixed. I belive that the cost of ther policy is a fair price and I trust my agent to be sure it is.
5
February 8, 2018

mine88

great company

every time I have had an issue they have always been there for me. They took care of my claims fast.
5
February 8, 2018

929sunshine

American Commerce Insurance is Outstanding

My experience with AAA/American Commerce has been outstanding. Our insurance agent at AAA is wonderful...always very helpful and makes sure that we are getting every discount possible on our policy. When claims have been made, such as one when a deer jumped over a wall and landed on my car, they were very caring and served us well. The car was repaired with quality materials and we were given a rental for an extended period of time. They have ...
My experience with AAA/American Commerce has been outstanding. Our insurance agent at AAA is wonderful...always very helpful and makes sure that we are getting every discount possible on our policy. When claims have been made, such as one when a deer jumped over a wall and landed on my car, they were very caring and served us well. The car was repaired with quality materials and we were given a rental for an extended period of time. They have always been quick to respond and pay the repair providers promptly. I cannot say enough good about them.
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5
January 27, 2018

luiss

Greats

I have been in service with this amazing company for years now, it is very affordable and reliable..i have yet to have an issue with them!
3
January 25, 2018

Agentmeow

Precautions in adding a vehicle

Recently we added my daughter's vehicle onto our policy, which we didn't realize that we would to have pay the whole amount of premium for adding the vehicle. If we were insured in Massachusetts, it would have been spaced out over the policy term. I feel that was a lack of communication. Also, they do not offer for money saving discounts like going green, instead I get charged$10 for them sending a bill.
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<h3>American Commerce Insurance Company Monthly Auto Insurance Rates</h3>
<h3>American Commerce Insurance Company Monthly Auto Insurance Rates</h3>