American States Auto Insurance Review

Deciding between auto insurance companies to provide your auto insurance is an extremely important decision. You can save thousands of dollars on insurance premiums if you choose to go with the minimum requirement to satisfy the auto insurance laws for your state. However, you may then not be fully covered in the event of an accident and damage to yourself, your property or others.

So how do you decide on the best auto insurance company for your needs? Well, by inserting your ZIP code into our free ZIP code search engine, you can compare different types of auto insurance policies from multiple insurance companies in your region, and find the company that offers the best value for your auto insurance needs. Try it now – it’s free, quick and easy!

American States Auto Insurance

Another great way to compare insurance companies is through auto insurance reviews. Finding out which policies are offered by different companies, what their regulations are, terms and conditions to insurance and types of cover offered, as well as how satisfied other customers are with their service, will allow you to make an informed decision on which insurance company to subscribe to.

This American States Auto Insurance review provides all the information you need on American States Insurance company to assist you with this crucial decision.

American States Automobile Insurance company is a underwriting company for Safeco Insurance. Safeco is itself a subsidiary of the umbrella company, Liberty Mutual Insurance.

Many Insurance companies work as subsidiaries of each other in this way – it allows for increased cash flow so companies can easily pay out large insurance claims to its clients and work together to provide great customer service.

How To Determine Your Auto Insurance Needs

American States automobile insurance includes a comprehensive assessment of your auto insurance needs.

Factors such as the make and model of your car, safety features that are incorporated into your car, your personal driving record and annual mileage all influence how much you will pay for insurance premiums.

So how does American States decide on your insurance premiums? Well, they take into account the following factors:

• Make and model of your car. The less valuable the resell value of your car, the less the insurance premium you will pay. In most cases, older cars therefore have more affordable insurance premiums.
• Mileage. Those who use their car regularly for long distance travel, such as business trips and commuting, pay higher premiums than those who only travel short distances.
• Age, gender, marital status. Interestingly, these factors have been shown to influence your chances of being in an accident. The fewer your risk factors, the less your premium will be. So if you are a married female over the age of 30, you will pay less than an unmarried male who is 18 years old.
• Personal driving record. If you have a history of accidents or of traffic violations such as speeding fines, you will have to pay higher premiums than drivers who have several accident free years.
• Credit History.

Types of Auto Insurance Cover at American States Insurance Company

Auto insurance policies at American States include a range of different types of cover. Mandatory insurance requirements vary from state to state, but a basic minimum auto insurance policy at American States Insurance will always include the following:

• Liability Cover. This covers damages caused to others if you cause an accident.
• Permissive User Cover. This covers an accident caused by another driver driving your car if you allow them to borrow your car.
• 24 Hour Claims Support. American States is dedicated to providing exceptional customer service, and therefore offer 24 hour claims support so you will never be left stranded.

If you are looking to add additional cover to the basic minimum, American States also offers these additional types of cover:

• Physical Damage Protection. This pays out for repairs to your car after an accident.
• Personal Injury Protection. This covers medical expenses incurred if you or your passengers are injured in an accident.
• Comprehensive Cover. This covers any damage incurred to your car as a result of events such as theft or vandalism.
• Uninsured Motorist Protection. This covers damages caused to yourself or your property by an uninsured driver.
• Underinsured Motorist Protection. This cover pays out for damages that exceed the limits of the driver’s insurance policy.

Finding the Best Insurance Company For You

As you can see, there are many factors involved in choosing an auto insurance company. Compare insurance quotes from multiple companies online today by using our FREE ZIP code search engine! Simply enter your ZIP code in the box below and start saving on your insurance premiums today!