American Auto Insurance Review 2020

Last modified: November 20, 2020
  • Claims 7
  • Buying 7
  • Transparency 8
  • Coverage Variety 8
  • Value For Money 7.5
  • OVERALL RATING 7.5
  • Financial Strength Unrated on AM best
  • BBB Rating A+
  • Coverages 4/5
  • Discounts No discounts
  • Availability Illinois, Chicago
  • Support 24/7 roadside assistance, phone, email
  • User Ratings Not rated
  • Pricing Affordable
  • Flexibility No policy customization

About the Company

American Auto Insurance Agency, Inc. offers low-cost auto insurance options in Illinois, Chicago. 

They provide car insurance that covers drivers with a suspended or international license. They also offer insurance to high-risk drivers and people unable to qualify with other auto insurance companies. 

The auto insurance provider has a committed team of independent insurance agents and helpful customer service representatives.

American Auto Insurance is a highly accredited insurance company with an excellent financial rating on BBB for more than 30 years.

Read our detailed  American Auto Insurance reviews to easily decide if you should obtain auto insurance from this company. 

How We Reviewed

We reviewed American Auto Insurance based on certain factors. Here’s what we examined:

  • The features of the website
  • The various coverage options and discounts
  • Customer reviews from well-established user review websites
  • Gathered data to determine the financial strength ratings

Where Is It Available

American Auto Insurance is only available in the city of Illinois, Chicago. 

American Auto Insurance is headquartered in Chicago. The auto insurance provider has established payment centers in Illinois, Springfield, Peoria, and Champaign.

The areas it serves include Chicagoland, South and West Suburbs, Western Suburbs, Northern Suburbs, Northern Suburbs outside Chicagoland, West Central Illinois, Central Illinois, and Southern Illinois.  

Types of Insurance Covered and Missing Coverages

American Auto Insurance offers the following coverage options:

    • Property Damage
    • Liability Coverage 
    • Comprehensive Coverage
    • Uninsured Motorists Insurance 
    • Rental Reimbursement
    • Physical Damage Insurance 

American Auto Insurance Pricing Review

American Auto Insurance states that they offer the cheapest auto insurance rates in Chicago

The auto insurance company states that they offer the lowest prices starting at $14 per month. The amount of the auto insurance premium you will pay depends on a few factors such as age, gender, and driving record. 

They market themselves as the ideal choice for drivers needing high-risk driver insurance

The company does not perform any credit checks and accepts applicants that other auto insurance companies in Illinois, Chicago are unwilling to accept.

Insurance Offers or Extras

The information on American Auto Insurance coverage types and car insurance discounts is not readily available.

Their website does not mention the coverage options or auto insurance  discounts either. 

You will have to dial American Auto Insurance phone number  to get more information. 

The only extra they offer is a 24/7 roadside assistance, which you can use twice each year for free. 

Customer Satisfaction and Financial Strength

The customer satisfaction with American Auto Insurance is not clear. Since the company is small and serves only Chicago, AM Best and S&P have not rated it. 

It is also not rated on Trustpilot and ConsumerAffairs. 

On the bright side, BBB gives American Auto Insurance an excellent financial strength rating.

Platform Rating
Trustpilot Unrated 
ConsumerAffairs Unrated
BBB A+

 

Customer Support

American Auto Insurance has a dedicated customer service number for these areas:  Chicagoland, South and West Suburbs, Western Suburbs, Northern Suburbs, Northern Suburbs outside Chicagoland, West Central Illinois, Central and Southern Illinois. 

You can call them from Monday to Saturday. 

The American Auto Insurance quotes process involves getting a quote online.  You can also get an online quote for SR22 insurance

You can make your monthly payment online from their website.

Ease of Buying and Claims Handling

You will need to contact American Auto Insurance on their customer service phone number to report a claim, as you cannot do it online. 

After you contact them, they will provide you with an estimate and your car will go to the auto repair shop. After that, American Auto Insurance will proceed with a claims settlement. 

Some customers have reported that getting through to the claims department takes time. 

According to some users, if the repairs amount to more than they should, American Auto Insurance does not make the deductible payment, hence forcing customers to visit their own mechanic for repairs.

Comparison with Competitors

The American Auto Insurance competes with large insurance companies that have been established in the state for several years. Its primary competitors include Allstate, Farmers, State Farm, and GEICO. 

These auto insurance companies would be a good fit for you if you want more auto insurance options and insurance discounts. If you have a good driving record and an excellent credit score, you should choose one of its competitors.

If you have a poor credit score or you are categorized as a high-risk driver, opt for American Auto Insurance. 

If you are an immigrant to the U.S., if you have a foreign driver’s license, or you use your vehicle commercially, American Auto Insurance is again a better option for you. 

Other auto insurance companies are likely to reject your request due to these factors.

Pros & Cons

The Pros

  • Low-cost auto insurance
  • SR-22 insurance quote
  • Ideal for high-risk and immigrant drivers
  • Car insurance for international license holders

The Cons

  • Limited to Chicago
  • Minimal information available on the website
  • Cannot file claims online

Final Verdict

American Auto Insurance is suitable for people with the following circumstances:

  • You are a recent immigrant to the United States
  • You are buying auto insurance in the United States for the first time
  • You have a number of  tickets or accidents
  • You use your car for commercial purposes
  • You have an international driver’s license
  • You need an SR 22 financial responsibility filing with the state
  • You are a high-risk driver

Make sure to go through pros and cons of our  American Auto Insurance reviews to help you make the right decision