American Automobile Auto Insurance Review (2024)

What You Should Know About American Auto Insurance

American Auto Insurance has a long-standing record of great customer service. Whether you are receiving a quote or filing a claim, American Auto Insurance customer service agents are helpful and well informed.

You can speak to someone directly or complete all your information and get questions answered online. Claim filing is available online 24 hours a day, 7 days a week. Customer service agents can also direct you to local agents who can address your concerns.

Customer service representatives can help you with all types of policies carried by American Auto Insurance. SR-22 drivers, those with tickets, drivers with accidents, drivers with suspended licenses, drivers with international licenses, and companies looking for commercial auto insurance.

However, policies are only given in the state of Illinois.

Customer service representatives can also direct you to an agent, give you tips on  auto insurance discounts, answer questions about payments or policy details, and make changes to your policy.

It is important to inform customer service if anything changes in your policy or to your circumstances, negative or positive, that could affect your insurance.

American Auto Insurance Coverage Options

An SR-22 is a proof of insurance certificate filed by the insurance company to the Secretary of State. In the case of American Auto Insurance, the certificate is filed with the Illinois Secretary of State.

SR-22 certificates can be issued in the form of an Operator’s Certificate, an Owner’s Certificate, or an Operators-Owners Certificate.

An Operator’s Certificate means that you do not own a vehicle but will be operating the vehicle. An Owner’s certificate means that you own the vehicle but will not be operating it. An Operators-Owners Certificate means you both own the vehicle and will operate the vehicle.

Not everyone who drives must have a SR-22 certificate. These certificates are only for those who have legally been required to do so due to a ticket received or a court ruling.

Reasons someone may be required to have an SR-22 filed include driving with an expired license plate, reckless driving, driving with a suspended or restricted license, DUIs, or three moving violations in a year. When you’re given a violation in one of these areas, it is reported to an insurance database. See DUI defined to learn more about DUIs.

American Auto Insurance specializes in providing insurance coverage for those who need an SR-22 form. Many auto insurance companies will deny coverage to these drivers or charge such high prices, the insurance is almost impossible to afford.

An SR-22 policy can be up to triple regular auto insurance rates. Though SR-22 driver policies do cost more, American Auto Insurance attempts to keep prices affordable. If a claim on an SR-22 policy has to be filed, the policyholder is in danger of being dropped from coverage because the risk becomes too high.

If a claim on an SR-22 policy has to be filed, the policyholder is in danger of being dropped from coverage because the risk becomes too high. Read more about SR-22 insurance.

American Auto Insurance Rates Breakdown

Getting a quote from American Auto Insurance can be done over the phone or online. Any driver in the state of Illinois can receive a quote. Though American Auto Insurance does specialize in high-risk drivers, they also ensure drivers with good, clean driving records.

Having a balance of low-risk drivers and high-risk drivers is the goal of most auto insurance companies including American Auto Insurance.

To get a quote with any insurance company you need to provide some basic information such as name, address, date of birth, and social security number. This allows the insurance company to come up with a profile that will determine your insurance rates.

Things such as age, experience, type of vehicle, location, and driving history all influence rates. Learn more about factors that affect auto insurance rate

When an insurance company receives your information, they pull up your driving history, current insurance company details, and any violations against you. Find out how auto insurance companies check driving records.