American Family Insurance Company Review (2024)
Explore comprehensive coverage and competitive rates with American Family Insurance Company, safeguarding what matters most to you from auto and homeowners to life, renters, and health insurance.
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
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 Family Insurance Company
Average Monthly Rate For Good Drivers
$100A.M. Best Rating:
AComplaint Level:
LowPros
- The comprehensive range of insurance types
- Strong financial stability
- Competitive average annual rates
- Excellent customer service
- Customizable coverage options
Cons
- Limited availability in certain regions
- Online account management could be more user-friendly
- Additional discounts may vary by location
- Limited international coverage for auto insurance
- Fewer digital tools compared to some competitors
Discover the comprehensive coverage options and exceptional benefits provided by American Family Insurance Company. This in-depth exploration showcases their commitment to safeguarding what matters most to you. From auto and homeowners insurance to life, renters, and health insurance, their tailored solutions offer peace of mind for every aspect of your life.
Uncover the company’s competitive rates, diverse discounts, and outstanding customer service. Whether you’re on the road, at home, planning for the future, or prioritizing your well-being, American Family Insurance Company stands as a trusted partner in securing your present and future with confidence.
American Family Insurance Coverage Options
American Family Insurance Company provides a diverse range of coverage options that cater to various aspects of your life and assets. Whether you’re seeking protection for your vehicle, home, loved ones, or health, their comprehensive offerings have you covered:
- Auto insurance: American Family’s Auto Insurance provides coverage for collisions, comprehensive incidents, liability, and uninsured motorists, ensuring that you’re prepared for unexpected events on the road.
- Homeowners insurance: Safeguard your home with American Family’s Homeowners Insurance, which shields against perils like fire, theft, and natural disasters. Additionally, it offers liability coverage to protect you from accidents that might occur on your property.
- Life insurance: Prepare for life’s uncertainties with American Family’s Life Insurance policies, offering financial support to your loved ones in the event of your passing. Whether you opt for term life or whole life coverage, you’re creating a safety net for your family’s well-being.
- Renters insurance: Even as a renter, protection matters. American Family’s Renters Insurance safeguards your belongings from theft, damage, or loss, whether you’re at home or away. It also provides liability coverage for certain legal responsibilities.
- Health insurance: Prioritize your well-being with American Family’s Health Insurance options, which help you manage medical expenses by providing coverage for treatments, prescriptions, and preventive care.
With American Family Insurance Company, you can customize your coverage to fit your specific needs, ensuring that you’re prepared for whatever life may bring.
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American Family Insurance Rates Breakdown
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| Driver Profile | American Family | National Average |
|---|---|---|
| Clean Record | $117 | $119 |
| 1+ Ticket | $136 | $147 |
| 1+ Accident | $176 | $173 |
| DUI | $194 | $209 |
| Poor Credit | $201 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
American Family Insurance Discounts Available
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| Discount | American Family Insurance Company |
|---|---|
| Anti Theft | 8% |
| Good Student | 10% |
| Low Mileage | 9% |
| Paperless | 5% |
| Safe Driver | 10% |
| Senior Driver | 15% |
American Family Insurance Company values its customers and offers a range of discounts to help you save on your insurance premiums. These discounts reflect the company’s commitment to providing cost-effective coverage without compromising on quality:
- Multi-policy discount: Save when you bundle multiple insurance policies with American Family, such as combining your auto and homeowners insurance.
- Safe driving discount: Enjoy lower rates by demonstrating safe driving habits, which may include accident-free records and defensive driving courses.
- Good student discount: If you’re a student with good grades, you can benefit from reduced insurance rates, encouraging academic excellence and responsible behavior.
- Home security discount: By installing security features in your home, such as burglar alarms or smoke detectors, you may qualify for a discount on your homeowner’s insurance.
- Pay-in-full discount: Opting to pay your premium in full upfront can lead to reduced rates, providing a convenient and budget-friendly option.
- Multi-car discount: If you insure multiple vehicles under the same policy, you can take advantage of this discount to lower your overall premium.
- Loyalty discount: Stay with American Family Insurance for an extended period, and you may become eligible for a loyalty discount as a token of appreciation.
- Paperless billing discount: Opt for paperless billing and receive a discount, contributing to a more sustainable and efficient insurance experience.
- Defensive driving course discount: Completing an approved defensive driving course can earn you a discount, promoting safe driving practices.
- Early bird discount: Plan ahead and renew your policy before its expiration date to unlock potential savings with this discount.
These discounts demonstrate American Family Insurance Company’s dedication to rewarding responsible behavior and fostering long-lasting customer relationships, all while making insurance coverage more accessible and affordable.
How American Family Insurance Ranks Among Providers
American Family Insurance Company operates in a competitive landscape where several prominent insurers vie for customers’ attention. Some of the company’s main competitors include:
- State Farm: A household name in insurance, State Farm offers a wide range of coverage options, including auto, home, life, and health insurance. Known for its extensive agent network, State Farm provides personalized service to its policyholders.
- Allstate: With a strong presence in the insurance market, Allstate provides diverse coverage options, innovative digital tools, and a reputation for quality customer service. Its offerings encompass auto, home, life, and specialty insurance.
- Geico: Renowned for its quirky advertising campaigns, Geico is a major player in the auto insurance sector. It’s known for its competitive rates and emphasis on online and direct-to-consumer interactions.
- Progressive: Progressive stands out for its usage-based insurance options and “Name Your Price” tool, allowing customers to tailor their coverage to their budget. The company excels in auto insurance but also offers other types of coverage.
- Nationwide: Nationwide offers a broad range of insurance products, including auto, home, and life insurance. The company emphasizes its member-focused approach and strives to offer customizable coverage solutions.
These competitors, among others, shape the landscape of insurance choices for consumers. Each company brings its own strengths, whether it’s a vast agent network, innovative technology, competitive rates, or specialized coverage options.
As customers evaluate their insurance needs, considering American Family Insurance Company alongside these competitors allows them to make well-informed decisions to protect their assets and loved ones.
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American Family Insurance Company Claims Process
Ease of Filing a Claim (online, over the phone, mobile apps)
American Family Insurance Company offers multiple convenient ways for policyholders to file insurance claims. One of the notable options is their user-friendly online claims portal, which allows customers to submit claims directly through their website.
This digital platform is accessible 24/7, providing policyholders with the flexibility to file claims at their convenience. Additionally, the company offers a dedicated phone line for claims, ensuring that customers who prefer a more traditional approach can still report incidents over the phone.
Furthermore, American Family Insurance has a mobile app that streamlines the claims process further, allowing users to upload photos, documents, and provide essential information on the go. This combination of online, phone, and mobile app options makes it convenient for policyholders to initiate their claims.
Average Claim Processing Time
American Family Insurance is committed to a swift and efficient claims processing system. While the exact processing time may vary depending on the complexity of the claim and the circumstances, the company has a reputation for expeditious claims handling.
Policyholders generally receive a response from the claims department promptly after filing, and the company strives to process claims efficiently to ensure that customers can move forward with their lives as quickly as possible.
The average claim processing time is competitive within the insurance industry, reflecting American Family Insurance’s dedication to customer satisfaction.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback plays a crucial role in assessing an insurance company’s performance, particularly when it comes to claim resolutions and payouts.
American Family Insurance has garnered positive reviews from many policyholders for its fair and efficient claim settlements. Customers have appreciated the company’s responsiveness in handling claims, as well as the transparency in communication throughout the process.
American Family Insurance’s commitment to providing competitive payouts and fair resolutions has earned them a favorable reputation among policyholders, highlighting their dedication to customer satisfaction and financial security.
American Family Insurance Company Digital and Technological Features
Mobile App Features and Functionality
American Family Insurance Company’s mobile app offers a range of features and functionalities designed to enhance the customer experience.
The app allows policyholders to easily access their insurance information, view policy documents, and make payments. One standout feature is the ability to file and track claims directly through the app, making it a convenient tool for those on the go.
Additionally, the app provides access to helpful resources such as safety tips and information on local agents, further demonstrating American Family Insurance’s commitment to providing comprehensive digital solutions for their customers.
Online Account Management Capabilities
American Family Insurance’s online account management capabilities empower policyholders to have greater control over their insurance policies. Through the company’s website, customers can log in to their accounts to make policy changes, update personal information, and view billing details.
This online platform provides a user-friendly interface that simplifies the management of insurance policies, ensuring that customers can make adjustments and access essential information at their convenience.
Digital Tools and Resources
In addition to its mobile app and online account management capabilities, American Family Insurance offers various digital tools and resources to assist policyholders. These resources include informative articles and guides on insurance-related topics, calculators to estimate coverage needs, and tools to generate insurance quotes.
These digital assets aim to educate customers and help them make informed decisions about their insurance coverage, reinforcing American Family Insurance’s commitment to providing not just insurance but also valuable information and resources to support their policyholders.
Frequently Asked Questions
What types of insurance does American Family offer?
American Family Insurance Company provides a range of insurance options, including auto, homeowners, life, renters, and health insurance, ensuring comprehensive coverage for various aspects of your life and assets.
How does renters insurance work?
Renters insurance from American Family protects your personal belongings from theft, damage, or loss, whether you’re at home or away. It also offers liability coverage for certain legal responsibilities that might arise.
Can I bundle multiple insurance policies with American Family?
Yes, American Family offers a Multi-Policy Discount when you bundle multiple insurance policies, such as auto and homeowners insurance, helping you save on your premiums.
What is a “Safe Driving Discount”?
The Safe Driving Discount rewards policyholders with lower rates for demonstrating safe driving habits, such as maintaining an accident-free record and completing defensive driving courses.
Does American Family offer discounts for good students?
Yes, American Family provides a Good Student Discount, allowing eligible student policyholders with good grades to enjoy reduced insurance rates.
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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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TammyNelson
Great auto insurance for Costco Members through Connect
Doggy
Awesome
flip2score7
am fam review
timtone
Unexpected charges
ely135
American Family tops any other insurance company
snoopyhugs18
When a 90-minute Meeting Saved Us $596!
DomMar35
Boss
ruthjahncoz
a bright point in a dark time
LillyM
Young but excited about Insurance!
KatieM
My AMFAM experience