American Alternative Insurance Corporation Auto Insurance Review (2022)

American Alternative auto insurance (AAIC) offers commercial insurance for unique clients like public entities, including municipalities, counties, schools, colleges, and districts.

UPDATED: Sep 24, 2022Fact Checked

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Sep 24, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page 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: Sep 24, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Sep 24, 2022Fact Checked
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American Alternative Insurance Corporation

Average annual rate for good drivers:

N/A

A.M. Best rating:

A+

Complaint level:

Low

Pros

  • AAIC maintains financial security as indicated by the rating A+ (Superior) by AM Best and AA- (Very Strong) by Standard and Poor’s.

Cons

  • AAIC does not have its own website

The Bottom Line

When you purchase insurance through Munich or AAIC, you are assigned a client manager who works with you at all times so they know your company’s insurance needs.

They also work with a team of experts who are trained to anticipate and calculate potential future risks and minimize losses for your business.

American Alternative Insurance Corporation, or AAIC for short, is a subsidiary of Munich Reinsurance Corporation of America, Inc.  AAIC markets a variety of commercial insurance products but does not sell insurance for private individuals. Find personal auto insurance providers near you.

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American Alternative Insurance Coverage Options

Although not all products are available in all states, AAIC is currently licensed to write insurance policies for the following products:

  • Management Liability
  • Professional Liability
  • Package Coverage
  • Property Damage Protection
  • General Liability
  • Workers Compensation
  • Aviation Insurance
  • Crime Protection
  • Inland Marine Insurance
  • Umbrella Coverage
  • Excess Casualty
  • Commercial Auto Insurance
  • Accident and Health Coverage
  • Crop-Hail Coverage
  • Multiple Peril Crop Coverage

AAIC markets insurance products for businesses with unique needs. To find out more about each product or to get a quote from an insurance agent, you can contact the company directly.

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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.

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

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