AssuranceAmerica an insurance company offering non-standard auto insurance coverage. This non-standard coverage is sold to drivers who may have a hard time finding insurance due to a less than perfect driving record.
ASSURANCE AMERICA company is headquartered in Atlanta, Georgia and operates through the subsidiaries AssuranceAmerica Insurance Company and AssuranceAmerica Managing General Agency.
Founded in 1998, AssuranceAmerica provides property and casualty insurance to the non-standard private automobile segment.
AssuranceAmerica, headquartered in Atlanta, Georgia, is comprised of AssuranceAmerica Insurance Company and AssuranceAmerica Managing General Agency. AssuranceAmerica Companies provide insurance management services and insurance wholesale services through over 2,600 highly professional independent agents.
At AssuranceAmerica, we are more than a unique blend of insurance assets. We believe in creating a culture where every associate has the opportunity to learn and grow. We strive to create a work environment to meet employee needs and we are determined to achieve excellence in everything we do
The annual cost of your auto insurance policy is influenced by many factors. A policy with a very low premium may not carry all the coverage you need. A policy with a very high premium may be stuffed with extras you don’t need. Understanding a few basic auto insurance terms may help you decided which types of auto insurance are best for your particular needs.
The way you use your car may have a great impact on the premium you pay. Some companies offer significant discounts to car owners who don’t commute on a daily basis. Be sure to let your insurer know if you take mass transit to work or carpool. If you drive a considerable number of miles for work or pleasure your premium may be higher.
The principal driver is the person who has control of the car the majority of the time. Certain age groups have fewer accidents. Having a child or other driver who is under 25 as the principal driver on a car will generally greatly increase the premiums on that car. Drivers over 75 may also have higher premiums. If the principal driver has multiple violations or accidents the premium will reflect those occurrences. Try to list a person from the most accident free age group and with the best driving record as the principal driver.
The deductible is the amount which you will pay toward the expenses of an accident. Deductibles are per accident. If you have a $1,000 deductible and have two accidents in a year you will pay a $1,000 deductible for each accident. If your vehicle is totaled the payment you receive will be less your deductible.
Collision coverage is the insurance for a car when it hits or is hit by another car. This is considered minimum coverage and is required by most states.
Liability insurance is another part of minimum insurance coverage which is required by most states. Liability insurance refers to coverage for damages which you caused and for which you may be legally liable.
Uninsured driver coverage
Please get as many insurance quotes as possible to compare services and pricing. By doing so you will learn more about the insurance process and industry.
Some policies cover damage to the insured person’s auto if the other driver doesn’t have insurance or if the other driver is unidentified due to a hit and run accident. Coverage of this sort may carry many restrictions, read through it carefully.