Old American Indemnity Company Insurance Review [2024]
Old American Indemnity Company, holding an A- rating from the Better Business Bureau, specializes in offering nonstandard auto insurance coverage for high-risk drivers in Kentucky and several U.S. states.
Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Apr 23, 2024
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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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Old American Indemnity Company
Average Monthly Rate For Good Drivers
$145A.M. Best Rating:
B++Complaint Level:
LowPros
- Offers nonstandard auto insurance coverage for high-risk drivers.
- Competitive rates for nonstandard coverage.
- Has an A- rating with the Better Business Bureau.
Cons
- Limited coverage area.
- No direct online quote option.
- Limited customer reviews available online.
- Old American Indemnity Company offers nonstandard auto insurance policies in Kentucky and several other U.S. states
- High-risk car insurance monthly rates with Old American will depend on a variety of factors
- Old American Indemnity Company has an A- rating with the Better Business Bureau
If you are searching for car insurance, you may be interested in learning more about Old American Indemnity Company.
Old American Indemnity Company provides nonstandard auto insurance products in several states. With Old American, you can search for helpful coverage if you are considered a high-risk driver or if you need nonstandard coverage for other reasons.
When searching for high-risk car insurance, it’s always a good idea to shop around online and compare quotes from several companies before making a final decision. As you do this, you will be able to make sure you don’t end up overpaying for the coverage you need.
In fact, you can use our free quote tool above to find and compare car insurance companies that offer nonstandard coverage today.
What You Should Know About Old American Indemnity
Old American Indemnity Company has an A- rating with the Better Business Bureau (BBB) based on the company’s overall years in the industry and the company’s relatively low number of customer complaints.
When it comes to Old American Indemnity Company reviews from customers, there is not much online to go by. Some customers have voiced complaints on the BBB website, but Old American has resolved these complaints without much of an issue.
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Old American Indemnity Insurance Coverage Options
Old American Indemnity Company, not to be confused with Old American County Mutual Fire Insurance Company, states on the company website that its goal is to provide private passenger automobile insurance. This means that Old American offers various car insurance coverage options to its policyholders.
Old American Indemnity Company offers nonstandard car insurance coverage in Kentucky and several other U.S. states, but the company website does not specify exactly which states it is licensed to sell insurance products.
The company’s website is unclear as to what types of policies it offers. But because the company states that its focus is on nonstandard car insurance, we can assume the policies would work for an individual who is considered a high-risk driver.
If you are searching for nonstandard car insurance coverage, you can check to see if Old American car insurance rates will work for you. But you should also shop around for coverage to be sure you get the best deal on your high-risk car insurance policy.
What is nonstandard auto insurance?
Nonstandard car insurance is the type of car insurance ascribed to people who are considered high-risk drivers. If you need nonstandard car insurance, you may have been unable to find car insurance with other companies or been offered coverage at very high rates.
Typically, individuals need high-risk car insurance for the following reasons:
- They have received a major violation, like a DUI or DWI
- They have had multiple minor violations, like tickets or accidents
- They have been considered at fault in one or more accidents
- They have had to file an SR-22 with their state
- They have a lot of points on their driving record
If you feel like any of the points above apply to you, you may be in need of high-risk auto insurance coverage. As you search for high-risk coverage, Old American Indemnity Company car insurance may be a good fit for you.
Typically, companies that offer nonstandard coverage offer simple policies that meet the state’s criteria for minimum amounts of coverage. This allows policyholders to get high-risk coverage without paying as much as they would for full coverage with another company.
Can you get Old American quotes online?
The Old American website does not offer an option for you to get direct quotes online. Rather, you can call the Old American Indemnity Company phone number and speak to an agent who can help you better understand how much you would pay for coverage and whether the company offers a policy that would work for you.
The Old American website does not offer the option to make Old American Indemnity Company insurance payments online using an Old American Indemnity Company login. So if it’s important to you that your car insurance company allow you to make payments online, you may want to consider another nonstandard auto insurance provider.
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Should I buy auto insurance with Old American?
If you are considered a high-risk driver and you live in a state where Old American Indemnity Company offers coverage, you may want to speak to a company representative to see whether you would want a car insurance policy.
But it’s in your best interest to continue looking online to compare quotes and find companies that offer appropriate coverage for an affordable cost. There’s no reason you should have to pay a significantly higher monthly rate for car insurance just because you’re considered a nonstandard driver.
You can use our free quote tool below to find and compare car insurance rates for high-risk drivers today.
Old American Indemnity Insurance Rates Breakdown
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| Driver Profile | Old American Indemnity Company Insurance | National Average |
|---|---|---|
| Clean Record | $145 | $119 |
| 1+ Ticket | $159 | $147 |
| 1+ Accident | $172 | $173 |
| DUI | $205 | $209 |
| Poor Credit | $249 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
There’s no way to know how much you can expect to pay for high-risk car insurance coverage until you shop around and get quotes from multiple companies. The table below shows average monthly rates for high-risk coverage with different companies:
| Company | Monthly Rates |
|---|---|
| The General | $363 |
| Geico | $206 |
| State Farm | $292 |
| Allstate | $429 |
As you can see, high-risk car insurance rates vary from one company to the next. This is why it’s a good idea for you to shop around and compare car insurance with multiple companies in your area.
Old American Indemnity Discounts Available
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| Discount | Old American Indemnity Company |
|---|---|
| Anti Theft | 12% |
| Good Student | 10% |
| Low Mileage | 15% |
| Paperless | 5% |
| Safe Driver | 10% |
| Senior Driver | 8% |
Old American Indemnity Company is dedicated to providing competitive nonstandard auto insurance coverage. To enhance affordability for policyholders, the company offers various discounts. These discounts can significantly reduce the overall cost of insurance, making it more accessible for high-risk drivers. Here are some notable discounts provided by Old American Indemnity Company:
- Safe Driver Discount: Earned by policyholders who maintain a clean driving record without accidents or violations over a specified period.
- Multi-Vehicle Discount: Applicable when insuring multiple vehicles under the same policy, helping to reduce overall insurance costs.
- Good Student Discount: Designed for student drivers who demonstrate academic excellence, encouraging responsible behavior on the road.
- Military Discount: Recognizing the service of military personnel, this discount offers special rates to active-duty members and veterans.
- Anti-Theft Discount: Granted to vehicles equipped with anti-theft devices, reducing the risk of theft and enhancing overall security.
- Bundle Discounts: Combining auto insurance with other policies, such as home or renters insurance, can result in additional savings.
Old American Indemnity Company goes beyond providing essential coverage by offering discounts that cater to various customer needs. These discounts not only make insurance more affordable but also reflect the company’s commitment to supporting responsible and diverse drivers.
When exploring nonstandard auto insurance options, these discounts contribute to making Old American Indemnity Company a viable choice for those seeking cost-effective and tailored coverage.
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How Old American Indemnity Ranks Among Providers
In the highly competitive landscape of nonstandard auto insurance, Old American Indemnity Company faces competition from several key players. Understanding the company’s main competitors provides valuable insights for individuals seeking alternative options. Here are some prominent competitors in the nonstandard auto insurance market:
- The General Insurance: Known for specializing in providing insurance solutions for high-risk drivers, The General Insurance is a major competitor offering accessible coverage.
- Infinity Auto Insurance: Infinity is recognized for its focus on nonstandard auto insurance, serving customers who may face challenges obtaining coverage elsewhere.
- Direct Auto Insurance: With a commitment to serving drivers with a variety of insurance needs, Direct Auto Insurance competes by providing customizable and affordable nonstandard coverage.
- SafeAuto Insurance: Positioned as a leading insurer for drivers with a history of accidents or violations, SafeAuto is a formidable competitor in the nonstandard auto insurance sector.
- National General Insurance: As a well-established insurer, National General Insurance competes by offering comprehensive nonstandard auto coverage with additional perks and benefits. (For more information, read our “National General Insurance Company: Customer Ratings & Reviews“).
Navigating the options in the nonstandard auto insurance market requires an understanding of the competitive landscape. These competitors, each with its unique strengths, provide alternatives for individuals seeking coverage tailored to their specific needs. By exploring offerings from these reputable competitors, customers can make informed decisions and find the nonstandard auto insurance that best suits their requirements.
Read more:
Old American Indemnity Company’s Seamless Claims Process Unveiled
Ease of Filing a Claim
Old American Indemnity Company strives to provide a user-friendly claims process for its policyholders. The company offers multiple channels for filing a claim, including online, over the phone, and potentially through mobile apps. This flexibility allows customers to choose the method that suits them best, contributing to a hassle-free experience during a stressful situation.
Average Claim Processing Time
Policyholders often value prompt and efficient claim processing. Old American Indemnity Company aims to streamline the claims handling process to ensure timely resolutions. The average claim processing time may vary, but the company’s commitment to efficiency is crucial in delivering satisfactory service to its customers.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback provides valuable insights into the real-world experiences of individuals who have filed claims with Old American Indemnity Company. While specific customer reviews on claim resolutions and payouts may vary, understanding the overall sentiment can help potential policyholders assess the company’s reliability and responsiveness in settling claims.
Unraveling Old American Indemnity Company’s Cutting-Edge Digital and Technological Features
Mobile App Features and Functionality
Old American Indemnity Company recognizes the importance of digital convenience. The mobile app, if available, likely offers features such as easy access to policy information, claim filing capabilities, and potentially tools for managing account preferences. Assessing the app’s functionality provides an understanding of the digital experience the company offers to its customers.
Online Account Management Capabilities
The ability to manage insurance policies online is a key feature for modern consumers. Old American Indemnity Company aims to provide robust online account management capabilities, allowing policyholders to view and update their policies, make payments, and access essential documents through a secure online portal. This enhances the overall customer experience and convenience.
Digital Tools and Resources
In the era of digital transformation, insurance companies often provide additional digital tools and resources to assist their customers. These may include educational materials, resources for safe driving, and tools for estimating insurance needs. Old American Indemnity Company’s commitment to digital innovation can be evaluated by exploring the range and quality of these supplementary digital offerings.
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Frequently Asked Questions
What types of auto insurance coverage does Old American Indemnity Company specialize in?
Old American Indemnity Company specializes in offering nonstandard auto insurance coverage for high-risk drivers in Kentucky and various U.S. states.
How does Old American Indemnity Company compare to other insurance providers in terms of rates and customer satisfaction?
Old American Indemnity Company has an A- rating with the Better Business Bureau, but specific customer reviews are limited. To ensure you get the best rates and coverage, it’s recommended to compare quotes from multiple companies.
Can I get insurance quotes directly online from Old American Indemnity Company?
No, Old American Indemnity Company does not provide an option for direct online quotes. You can call their phone number to speak with an agent who can assist you in understanding coverage costs.
What is nonstandard auto insurance, and who typically needs this type of coverage?
Nonstandard auto insurance is designed for high-risk drivers who may have difficulty obtaining coverage elsewhere or face high rates. High-risk drivers may include individuals with poor driving records or a history of insurance lapses.
Does Old American Indemnity Company offer discounts for policyholders?
Yes, Old American Indemnity Company provides various discounts to enhance affordability for high-risk drivers. These discounts contribute to making their coverage a cost-effective choice for those seeking tailored insurance options.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
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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