American Modern Auto Insurance Review (2024)

American Modern auto insurance offers specialty car coverage for classic, collector, and muscle cars. Enter your ZIP to compare auto insurance quotes now.

UPDATED: Aug 18, 2024Fact Checked

Rachel Bodine

Feature Writer

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...

Feature Writer

Eric Stauffer

Licensed Insurance Agent

Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...

Licensed Insurance Agent

UPDATED: Aug 18, 2024

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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: Aug 18, 2024Fact Checked
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American Modern Insurance

Average Monthly Rate For Good Drivers

$120

A.M. Best Rating:

A+

Complaint Level:

Low
[su_box title="Things to remember..." style="default"]
  • American Modern Insurance Group has been around since 1965 and sells casualty and property insurance policies
  • One of the specialty insurance American Modern sells is for collector cars
  • American Modern offers optional coverage such as national roadside assistance, foreign coverage, and full safety glass.
[/su_box] American Modern Insurance Group has been around since 1965 and sells casualty and property insurance policies. As far as auto insurance goes, it appears they only offer specialty car coverage such as for classic cars and muscle cars. The company is made up of six insurance companies and has insurance products for personal watercraft, boats, ATVs, motorcycles, collector vehicles, and recreational vehicles. In addition, they also have coverage available for vacation homes, homes that are vacant, rental properties that don't need homeowners coverage. If you are looking for individual auto insurance, you can enter your ZIP code below and you will be able to compare auto insurance quotes for a variety of companies in your area!

American Modern Insurance Group has been around since 1965 and sells casualty and property insurance policies. As far as auto insurance goes, it appears they only offer specialty car coverage such as for classic cars and muscle cars.

The company is made up of six insurance companies and has insurance products for personal watercraft, boats, ATVs, motorcycles, collector vehicles, and recreational vehicles.

In addition, they also have coverage available for vacation homes, homes that are vacant, rental properties that don’t need homeowners coverage.

If you are looking for individual auto insurance, you can enter your ZIP code below and you will be able to compare auto insurance quotes for a variety of companies in your area!

What You Should Know About American Modern Insurance Group

American Modern Insurance Group is extremely financial stable. Since 1998, it has been named one of Ward’s Top 50 Performer and in 2010 SNL named it a Top 10 property and casualty insurer. A.M. Best Company gave American Modern an A+ rating, which is superior.

American Modern has 1.6 million policyholders and is licensed in all 50 states. It is also a part of Munich Re, which is a large insurance organization. It is ranked 73 on the Global 500 list of Fortune Magazine.

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American Modern Auto Insurance Contact Information

American Modern Insurance Group is located at 7000 Midland Blvd, Amelia, OH, 45102-2607. Their mailing address is PO Box 5323, Cincinnati, OH, 45201-5323.

There are a couple contact numbers for American Modern Insurance Group:

Get a Quote: 1-866-884-6167
Customer Service: 1-800-543-2644
Report a Claim: 1-800-375-2075

American Modern Auto Insurance Claims

American Modern Insurance Group says that they are able to process auto insurance claims fairly and quickly. One reason for this is that the adjusters for American Modern all take a special training program that is hands-on.

Training includes taking apart and putting together a motorcycle, perform flooring and drywall repair, fixing things such as a hole in a boat, and much more. This training helps the adjusters understand exactly what repairs are needed and how long they will take.

The adjusters also get continuing education and training through phone calls, webinars, and more hands-on classes.

American Modern claims that:

  • 80 percent of property claims are settled within a month
  • Almost 70 percent of their customers get a call from their adjuster the very same day that they report a loss
  • 84 percent will get a call by the next day

To file a claim, there are a couple of ways to go about it. You can call their toll-free number for claims, which is 1-800-375-2075.

You can also call your insurance representative directly or send an email. There is someone available to speak with 7 days a week, 24 hours a day.

American Modern Insurance Group Insurance Coverage Options

One of the specialty insurance American Modern sells is for collector cars. This includes coverage for collector trucks, restorations in progress, autos that are difficult to place like Cobras, trailers, custom and classic motorcycles, military vehicles, fire engines, tractors, and race cars.

Included coverage includes one liability charge, unlimited miles, spare parts, towing, pet coverage, and trip interruption coverage.

American Modern offers optional coverage such as national roadside assistance, foreign coverage, and full safety glass. There are also multiple deductible options that range from $0 to $10,000.

On their website, American Modern gives ideas on how you can save money on your auto insurance policy. Some of the ways include discounts and credits for anti-theft devices, higher-value vehicles and large collections, taking a course on accident prevention, and memberships with a car club or association.

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American Modern Auto Insurance and Commercial Insurance

American Modern Auto Insurance Group offers insurance products for businesses. The specialty products are made to match up with the requirements of businesses who want coverage for physical damage of recreational retail inventory, manufactured housing, and rental businesses for watercraft.

The coverage is flexible to work with the size of your business and as it grows. There are extras included that other insurance companies charge for, and the policies help make the administration of reporting requirements easier.

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Frequently Asked Questions

What is American Modern Auto Insurance?

American Modern Auto Insurance is an insurance company that specializes in providing auto insurance coverage for vehicles. They offer a variety of policies tailored to meet the unique needs of their policyholders.

What types of auto insurance coverage does American Modern Auto Insurance offer?

American Modern Auto Insurance offers a range of coverage options, including liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, personal injury protection (PIP), and more. The specific coverage options may vary based on the policy and state regulations.

How can I contact American Modern Auto Insurance?

To contact American Modern Auto Insurance, you can reach out to their customer service department through phone, email, or other contact methods provided on their official website or policy documents.

How can I file a claim with American Modern Auto Insurance?

To file a claim with American Modern Auto Insurance, you can contact their claims department directly. They will guide you through the claims process, provide the necessary forms, and assist you in gathering any required information. It is important to report accidents or incidents promptly to initiate the claims process.

Does American Modern Auto Insurance offer roadside assistance?

American Modern Auto Insurance may offer optional roadside assistance coverage as an add-on to their policies. Roadside assistance can provide services such as towing, jump-starts, fuel delivery, and lockout assistance in case of emergencies or breakdowns while on the road. The availability of this coverage may vary based on the policy and state regulations.

Can I manage my American Modern Auto Insurance policy online?

Yes, American Modern Auto Insurance typically provides an online portal or mobile app that allows policyholders to manage their policies. This may include tasks such as making payments, viewing policy documents, updating personal information, and accessing digital ID cards.

How are American Modern Auto Insurance premiums determined?

American Modern Auto Insurance calculates premiums based on several factors, including the driver’s age, driving history, location, type of vehicle, coverage options selected, and other relevant factors. Premiums can vary from person to person based on these factors.

Does American Modern Auto Insurance offer discounts?

American Modern Auto Insurance may offer discounts to eligible policyholders. These discounts can vary but commonly include safe driver discounts, multi-policy discounts, good student discounts, and discounts for certain safety features installed in the vehicle. The availability and specifics of discounts may vary based on the policy and state regulations.

Can I cancel my American Modern Auto Insurance policy?

Yes, policyholders generally have the option to cancel their American Modern Auto Insurance policy. However, the specific terms and conditions related to cancellations may vary. It’s advisable to review the policy documents or contact the company directly to understand the cancellation process and any applicable fees or penalties.

How can I get a quote for American Modern Auto Insurance?

To get a quote for American Modern Auto Insurance, you can visit their official website or contact their customer service department. They will ask for relevant information about your vehicle and personal details to provide an accurate quote based on your specific needs and circumstances.

Rachel Bodine

Feature Writer

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...

Feature Writer

Eric Stauffer

Licensed Insurance Agent

Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...

Licensed Insurance Agent

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.

Reviews
for American Modern Insurance Group

2.30 (105 reviews)
1
July 25, 2023

Stickdog

NO RESPECT FOR THEIR CUSTOMERS! NONE!

I currently have a classic car collection insured with this company and plan to cancel the policies the instant I secure other coverage. Hopefully tomorrow. Underwriting goes out of their way to consistently and constantly insult me and imply I'm some kind of craigslist scammer. Wanting pictures of virtually anything and everything their little suspicious minds can conjure up every time I try to add a car. I cannot tell you the photoshoots ...
I currently have a classic car collection insured with this company and plan to cancel the policies the instant I secure other coverage. Hopefully tomorrow. Underwriting goes out of their way to consistently and constantly insult me and imply I'm some kind of craigslist scammer. Wanting pictures of virtually anything and everything their little suspicious minds can conjure up every time I try to add a car. I cannot tell you the photoshoots I've had to do for these nitwits. I have 50-years of claim-free insurance history...with the same companies for decades...800 credit score...business owner and never so much as received a parking ticket. I'm DONE! I'm not going to be constantly insulted in the worst kinds of ways all for the 'privilege' of giving these jerks thousands of dollars a year. Wouldn't do business with them again if you held a gun to my head!
1
February 17, 2022

David_contreras

9 months of looking at my classic car wrecked.

I'm so frustrated with this company. I don't know what else to do.DO NOT Purchase ANY KIND OF Insurance From THESE PEOPLE.I had an accident 9 people 9 months ago.. Apparently they sent me a check that someone else received and that's it They tell me the Bank is reviewing the claim and have no answers for me.I cant contact the bank because Im a third party and cant give me answers.So Im [REDACTED WORD] out of luck with everybody. Meanwhile my clas...
I'm so frustrated with this company. I don't know what else to do.DO NOT Purchase ANY KIND OF Insurance From THESE PEOPLE.I had an accident 9 people 9 months ago.. Apparently they sent me a check that someone else received and that's it They tell me the Bank is reviewing the claim and have no answers for me.I cant contact the bank because Im a third party and cant give me answers.So Im [REDACTED WORD] out of luck with everybody. Meanwhile my classic car is in my garage wrecked with no hope in sight. Its ridiculous.Ive contacted everybody for months with no answers.Im going to have to contact a lawyer before my policy expires.
1
June 15, 2020

dissatisfiedcustomer

What is wrong with you guys?

I have insurance for classic cars (antiques) . Changing vehicles is an absolute nose bleed. Run around. Hours on the phone. No-one is in charge. no-one can do it. This should not be so hard. Not sure if it is Ameriprise (the agent) or American Modern, the insurance (?) Get bounced from one to the other... "thank you for your continued patience"... In queues, on hold... "The next associate will help you" ... or not (?) What a disorganized sys...
I have insurance for classic cars (antiques) . Changing vehicles is an absolute nose bleed. Run around. Hours on the phone. No-one is in charge. no-one can do it. This should not be so hard. Not sure if it is Ameriprise (the agent) or American Modern, the insurance (?) Get bounced from one to the other... "thank you for your continued patience"... In queues, on hold... "The next associate will help you" ... or not (?) What a disorganized system or company ...
1
April 13, 2020

smpottinger

I do not recommend this company! VERY SHADY

Be VERY careful of this company! Originally they provided be with a competitive rate. I paid a year in advance. After one year with zero claims, they doubled my rate with zero exlination. When I contacted them to ask why, they simply said "no reason - that's the new rate". I can not in good conscience recommend this company for this unethical tactic. It should have been a clue to me when they needed the entire policy paid in full before they woul...
Be VERY careful of this company! Originally they provided be with a competitive rate. I paid a year in advance. After one year with zero claims, they doubled my rate with zero exlination. When I contacted them to ask why, they simply said "no reason - that's the new rate". I can not in good conscience recommend this company for this unethical tactic. It should have been a clue to me when they needed the entire policy paid in full before they would offer any coverage.
5
August 10, 2018

Zapz

Interesting monthly rates. Good service. Friendly agents.

American Modern Insurance is easy and fast. They always answer phone calls and the agents are quite friendly. They offered me great rates for the first year. One time I was broken down on the road and they send help right away.
1
July 25, 2018

james dahl

American Modern review

30 minute wait time on phone if thay answer.can't cancel policynever again will i do business with this company. thay waisted my time
5
May 6, 2018

jennygirl44

Yesyes

This is a wonderful company to have insurance with. I like all the help that they give. All my questions were answered.
5
September 29, 2017

MikeM

Hassle Free and Fast Settlement

I recently had to file a claim for damage to my collector Corvette. I was on a road trip and had too close an encounter on the Blue Water Bridge with a SUV. The other vehicle was not damaged and no one was hurt but my Corvette had a "skinned nose". I filed the claim online. The next day, I was called and spoke to the adjuster. He asked me some questions and for some documentation. I answered all his questions and satisfied the documentation...
I recently had to file a claim for damage to my collector Corvette. I was on a road trip and had too close an encounter on the Blue Water Bridge with a SUV. The other vehicle was not damaged and no one was hurt but my Corvette had a "skinned nose". I filed the claim online. The next day, I was called and spoke to the adjuster. He asked me some questions and for some documentation. I answered all his questions and satisfied the documentation requirements. In less than a week, I had my check!
3.5
August 14, 2017

Danixturtles

An average company

My car is well insured but sometimes you have to hassle for what you want. They sometimes have excuses as to why they can't accept something or late payments but other than that it's a good company.
3
July 9, 2017

xxluvforeverxx

An Ight Company

Was not great, but ight. Customer Service is average. Nothing special. Would not recommend this to others
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