American Independent Insurance Review

Car insurance is a critical component of owning and driving a vehicle in the United States. While it is legally required in most states, it also provides important financial protection in the event of an accident or other unexpected event. There are many different types of car insurance policies and providers available in the US, including independent insurance companies like American Independent. In this article, we will take a closer look at American Independent car insurance and provide a detailed review of their services.

About American Independent Car Insurance

American Independent is an independent insurance provider based in Henderson, Nevada that specializes in non-standard car insurance policies. Non-standard car insurance refers to policies that are designed for drivers who may have difficulty obtaining coverage from traditional insurance providers due to factors like a poor driving record or a lack of prior insurance history. American Independent aims to provide affordable and accessible car insurance options to these drivers.

Coverage Options

American Independent offers a variety of car insurance policies to meet the needs of different drivers. Their policies typically include the following types of coverage:

• Liability coverage: This covers the costs of any damages or injuries that you may cause to other drivers or their property in an accident.
• Collision coverage: This covers the cost of repairing or replacing your vehicle if it is damaged in an accident.
• Comprehensive coverage: This covers the cost of repairing or replacing your vehicle if it is damaged by something other than a collision, such as theft, vandalism, or weather events.
• Personal injury protection: This covers medical expenses for you and your passengers if you are injured in an accident.
• Uninsured/underinsured motorist coverage: This covers the cost of damages or injuries that you may sustain in an accident caused by a driver who does not have enough insurance to cover the full costs of the accident.

In addition to these standard types of coverage, American Independent also offers a range of optional coverage options that drivers can add to their policies, such as roadside assistance and rental car reimbursement.

Customer Reviews

One of the most important factors to consider when choosing a car insurance provider is the quality of their customer service. American Independent has mixed reviews from customers, with some praising the company for their affordable rates and friendly customer service, while others have criticized the company for slow claims processing and poor communication.

According to the Better Business Bureau, American Independent has a rating of B-, with many customer complaints focused on claims processing issues. However, it is important to note that the BBB has received relatively few complaints about American Independent compared to some other insurance providers.

Overall, it is important to carefully consider customer reviews and ratings when choosing a car insurance provider, as these can provide valuable insight into the quality of their services.

Costs and Discounts

One of the major advantages of choosing American Independent for your car insurance needs is their focus on providing affordable policies to drivers who may have difficulty obtaining coverage from other providers. The cost of your policy will depend on a range of factors, including your driving record, the type of vehicle you drive, and the level of coverage you choose.

American Independent also offers a range of discounts to help drivers save money on their policies. Some of the discounts that may be available include:

• Safe driver discounts: If you have a clean driving record with no accidents or tickets, you may be eligible for a safe driver discount.
• Multi-car discounts: If you insure more than one vehicle with American Independent, you may be eligible for a discount.
• Low mileage discounts: If you do not drive your vehicle frequently, you may be eligible for a low mileage discount.
• Good student discounts: If you are a student with good grades, you may be eligible for a discount on your car insurance policy.

It is important to review the full range of discounts available from American Independent and other insurance providers to ensure that you are getting the best possible rate for your policy.