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| American Family Auto Insurance |
American Family offers a wide range of coverage options and an impressive list of discounts, making it a good choice for your average driver looking to get a deal on auto insurance.
American Family may have a company history dating back to 1927, but it is very much a 21st century operation.
The company’s MyAmFam mobile app makes it easy for drivers to pay bills and contact roadside assistance, and the optional KnowYourDrive program will track your driving behavior via your smartphone and give discounts to safe drivers.
When it comes to claim satisfaction, American Family scored 853 in the J.D. Power 2018, below the industry average of 861 and roughly on par with competitors like MetLife and Esurance, but well below others like Amica Mutual, Farmers and Travelers.
In Consumer Reports’ review of auto insurance, American Family scored 89, with especially high marks for ease of contacting an agent and timeliness of claim payments.
However, one of its biggest drawbacks is that American Family only writes policies in 19 states, which means that for many drivers, it’s simply not an option.
And, as with many large insurance companies, American Family may not be able to offer the same level of personalization that you might find at a smaller, more specialized company.
Still, the variety of discounts available from American Family makes it worth checking out.
American Family Auto Insurance Policy Details
Although American Family does not write policies in much of the United States, where it is available, it does offer a robust range of standard coverage options, including collision coverage, comprehensive coverage, personal injury protection and rental reimbursement, as well as some options such as classic car coverage and rideshare insurance.
Your average driver won’t have a hard time finding the coverage they need from American Family.
Standard Coverage Options
- Liability insurance. The backbone of most auto insurance policies.
- Collision coverage. This covers you financially if your own car is damaged in an accident.
- Comprehensive coverage. Coverage for that is not caused by a collision, such as theft, vandalism, fire, or extreme weather damage.
- Coverage of medical expenses. Helps cover medical care for you and your passengers if you are injured in an accident, no matter who was at fault.
- Personal injury protection. Helps cover lost income, medical and child care costs for you and your passengers if you are injured in an accident.
- Protection for uninsured and underinsured drivers. It helps cover costs if you are in an accident with a driver who does not have insurance, whose insurance does not cover all the damages, or if you are struck by a hit-and-run driver.
- Rental reimbursement coverage. Helps cover the cost of a rental car while your vehicle is being repaired.
Coverage and Additional Features
- Classic car insurance. One-time coverage for classic cars, antiques, or rare cars that aren’t your daily commute.
- Business car insurance. Commercial auto insurance for small business owners who use their cars, trucks, and other vehicles at work.
- Shared travel insurance. Covers drivers who work for a rideshare app when they are on the clock, but between passengers.
How much does American Family cost?
The cost of auto insurance depends on many factors, from a driver’s credit score to their address, age and driving history.
That makes it hard to estimate what any American Family auto policy will cost. But we can take a look at a sample policy to get an idea of what American Family customers might be paying for their auto coverage.
Let’s take a look at a sample American Family six-month auto insurance policy written in 2015 for a driver in Georgia with two cars: a one-year-old Chevy Impala and an 11-year-old Chrysler Sebring.
With discounts applied, the total premium for the policy came to $833.40. Compare that to the average annual auto insurance premium in Georgia, which was $1,048.40.
American Family Auto Insurance Discounts
Discounts may be where American Family really stands out from the rest: As a carrier, they offer a wide range of discounts, which means most drivers will find a way to save some money on their policy.
Among the discounts offered are loyalty discounts for long-standing customers, an “early bird” discount for drivers who plan ahead and get a quote from American Family more than a week before they need their new policy to go live. validity, and discounts for bundling auto insurance with another type of American Family coverage, such as home insurance.
There are also discounts for good driving, low mileage, taking a defensive driving course and signing up for the company’s KnowYourDrive program, which tracks your driving behavior via a smartphone app and offers discounts for safe driving.
And for teen and young adult drivers, who can be expensive to insure, there are discounts for good grades and completing more than 40 hours of volunteer work per year. Company data
Other Types of Insurance Offered
- Home insurance. Protection for your home.
- Renters insurance. Protect everything inside (and outside) of your rental unit.
- Condo insurance. For condo owners, the insurance covers anything not covered by your HOA’s master policy.
- Motorcycle insurance. Safe for your sweet bike.
- Boat insurance. Insurance for your vessel, whether it is a yacht or a dinghy.
- Farm and ranch insurance. Protection for your farm or ranch, whether you’re growing corn or raising goats.
- RV insurance. Insurance for your home on wheels.
- ATV insurance. Safe for your ATV to keep you off-roading like a champ.
American Family Auto Insurance Claims Process
American Family makes it relatively easy to file claims online, through the company’s website, or by phone.
You can also file a claim through American Family’s MyAmFam mobile app, which will help you find an approved auto repair shop.
Once the claim is in progress, you can track it online or through the mobile app.
When it comes to claim satisfaction, the J.D. American Family’s Power of 853 puts it slightly below the industry average, but on par with many of its competitors.
Online complaints about the claims process mentioned increased fees after a claim.
Digital Tools and Contact Information
- Submit and track claims online
- The MyAmFam mobile app allows you to pay bills, report claims and check your policy details
- The KnowYourDrive program tracks your driving behavior via a smartphone app and you can get discounts for safe driving
- Teen Safe Driver App, a mobile application for teen customers, to help them improve their driving habits
- A live chat option on the American Family website
Contact Info:
- Website: www.amfam.com
- Phone: 1-800-692-6326
- Headquarters: 6000 American Parkway Madison, WI 53783