American Family Insurance Review

American Family Insurance maintains a favorable rating in comparison to other insurance providers while paying claims reliably. While American Family does not provide as many extra coverage add-ons and endorsements as other carriers, it compensates with many savings. American Family auto insurance may be an excellent choice if you’re searching for a dependable motor policy that includes collision and comprehensive coverage.

Pros and Cons of American Family

Pros

• American Family provides a variety of savings on vehicle insurance coverage.
• The firm also offers numerous other types of insurance, which may be combined to save money.
• American Family’s mobile app is simple to use and includes features like tracking claim progress, scheduling payments, and calling roadside help.

Cons

• Because American Family does not offer a comprehensive list of extra coverage enhancements or endorsements for vehicle policies, customers with more sophisticated insurance needs should continue their research.
• While homeowners rated American Family vehicle insurance positively, renters rated this provider below average in our Customer Satisfaction Survey.

About American Family

Founded in 1927, American Family Insurance is one of the largest mutual insurance companies in the United States. The company operates in 19 states and provides a wide range of insurance products, including car, home, life, and health insurance. American Family Insurance is known for its personalized approach to customer service, competitive pricing, and innovative products.

American Family Ratings

• Claims satisfaction (J.D. Power) — Below average: American Family is rated below average by J.D. Power for total claim satisfaction.
• Customer satisfaction (J.D. Power) — Excellent: American Family got the highest overall customer satisfaction rating among midsized insurers in a J.D. Power report published in 2021.
• Financial strength — Excellent: The solid financial position of the American Family, as assessed by AM Best, demonstrates its stability and dependability.
• NAIC Rating — Good: In 2020, the National Association of Insurance Commissioners (NAIC) received fewer complaints about American Family’s insurance products than the industry average.

American Family car insurance coverage options

American Family car insurance offers a range of coverage options that cater to the needs of different drivers. These options include liability coverage, collision coverage, comprehensive coverage, uninsured and underinsured motorist coverage, and personal injury protection.

Liability coverage protects you if you are at fault in an accident that results in injury or property damage to others. Collision coverage pays for damages to your vehicle if you are in an accident, regardless of who is at fault. Comprehensive coverage protects your vehicle from damage caused by events other than collisions, such as theft, fire, or natural disasters.

Uninsured and underinsured motorist coverage protects you if you are in an accident with a driver who does not have enough insurance to cover the damages. Personal injury protection covers medical expenses and lost wages if you are injured in an accident.

With the American Family of Madison, Wisconsin, you can expect to receive all of the standard auto insurance coverage options:

• comprehensive
• collision
• property
• bodily injury liability
• uninsured and underinsured motorist coverage
• personal injury protection (PIP)
• medical expenses coverage.

Additional policy features and options available with an American Family auto insurance coverage are discussed below. These are often included choices in a wide variety of vehicle insurance packages.

Lease/loan gap coverage

If you lease your automobile — or took out a loan for it — and are involved in an accident that results in the entire loss of your vehicle, you can expect to be compensated by your insurance carrier for the vehicle’s actual cash worth, less depreciation. American Family’s gap insurance coverage covers the difference, so you don’t have to pay out-of-pocket for the remainder of your loan or lease on a car you can’t drive.

Emergency road service 24/7

Emergency road service delivers on its promise – it provides peace of mind in the event that your vehicle experiences unforeseen mechanical or operational difficulties while on the road. American Family offers 24-hour assistance and also covers the cost of towing if your vehicle has to be towed to a repair.

Rental car reimbursement coverage

American Family will pay the cost of a rental automobile while your damaged vehicle is being repaired following an accident, as long as you adhere to the company’s rental car coverage per day and per-incident limits.

American Family car insurance discounts

American Family Insurance offers a range of discounts that can help you save on your car insurance premium. These discounts include multi-car discounts, safe driver discounts, good student discounts, and low mileage discounts. The company also offers a loyalty discount for customers who have been with the company for a certain period.

Discounts based on your insurance policy

• Multi-policy: Bundling several policies (for example, vehicle and homes insurance) earns you a small premium savings.
• Multi-car: You may save money by adding additional vehicles to your coverage. Additionally, it eliminates the trouble of managing several premiums.
• Early bird: If you obtain a quotation from American Family at least seven days prior to the effective date of your policy with another insurance provider, you may qualify for a discount.
• Steer into Savings: AmFam offers a discount to new clients who transfer from a rival insurance provider to an American Family automobile insurance policy.
• Loyalty: A loyalty discount may be given to your premium based on the length of time you’ve been an American Family policyholder.
• Billing: To save money, pay your subscription in full and enroll in autopay and paperless billing.

Discounts based on safety

• Low mileage: This discount may be available if you drive less than 7,500 miles each year.
• Auto safety equipment: Depending on the state in which you live, you may anticipate a discount of between 10% and 30% if your automobile comes equipped with safety features such as factory-installed airbags.
• Defensive driver: If you are over 55 years old, have completed an American Family-approved defensive driving course, and reside in a qualifying state, you may qualify for a 5-10% discount on your auto insurance.
• Good driving: Possess an impeccable driving record? American Family acknowledges this by offering a discounted pricing premium.
• Know Your Drive program: In select states, participate in American Family’s telematics program and receive an introductory 5% discount. Once installed, the app monitors and assesses your driving behavior in order to assist you in becoming a safer, more defensive driver. Depending on your driving record, you may qualify for a discount of up to 20% on your vehicle insurance.

Discounts for young drivers

• Good student: American Family rewards students with a student discount.
• Away at school: American Family rewards students with a student discount.
• Volunteer work: If you’re under the age of 25, volunteering at least 40 hours per year at a non-profit earns you a reduced auto coverage.
• Generational: If one of your parents is an American Family client, you will receive a discount for your generational devotion.
• Teen Safe Driver program: If your coverage includes a young driver, you may qualify for a discount by joining in this telemetry program. In your teen’s vehicle, an in-car gadget that detects irregular driving behaviors such as swerving, abrupt accelerations, and forceful braking is fitted. Once activated, it captures both inside and outside the vehicle and sends the film to a center where expert driving trainers evaluate it. Parents may see and evaluate their adolescent driver’s weekly report card and driving performance evaluation (s).

American Family Car Insurance Costs

The pricing of American Family car insurance varies based on several factors, including your driving record, location, and type of vehicle. However, the company is known for its competitive pricing and offers discounts that can help you save on your premium.

American Family vs. Competitors

Average Monthly Rates

• American Family. $117
• AAA. $161
• Allstate. $170
• GEICO. $94
• Progressive. $104
• Farmers. $131
• Nationwide. $90
• State Farm. $108

How to cancel an American Family policy

To terminate your American Family coverage, you must contact your insurance agent. If you do not have your agent’s contact information readily available, you can utilize AmFam’s agent locator feature online or through your MyAmFam mobile app.

Your agent will execute your termination and ensure that all relevant documents are received by both you and the insurer. Customers who desire to cancel their policies may also contact customer support at 1-800-MYAMFAM (1-800-692-6326), where a representative may link you to your agent or initiate the cancellation process on your behalf. 

Can I cancel my American Family policy online?

While the agent locating tool is available online, in order to cancel your policy, you must contact a representative.

Should you buy American Family Car Insurance?

In conclusion, American Family car insurance is a solid choice for drivers looking for personalized service, competitive pricing, and a range of coverage options. The company offers discounts that can help you save on your premium and has a 24/7 claims center for your convenience. Overall, American Family Insurance is a reliable option for protecting your vehicle and finances on the road.

Sources:

• American Family Insurance website: https://www.amfam.com/insurance/car
• J.D. Power U.S. Auto Insurance Study 2020: https://www.jdpower.com/business/press-releases/2020-us-auto-insurance-study
• Consumer Affairs American Family Insurance review page: https://www.consumeraffairs.com/insurance/american_family_auto.html