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  American Family Auto Insurance

American Family Auto Insurance

in Auto Insurance from American Family

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American Family Auto Insurance

Unaffiliated

in Auto Insurance from American Family

SuperMoney Net Recommendation Score -57

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -57, equating to 1.9 on a 5 point rating scale.

-57

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly not recommended

2 users recommend
2 users are unsure
10 users don't recommend
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Highlights
Community Rating Strongly not recommended
Financial Strength Rating A
Number of Reviews 14

American Family Auto Insurance Review

American Family is a car insurance carrier based in Madison, WI. The insurance company was founded in 1927 and offers car insurance in 19 states in the USA.

If you're considering whether American Family Auto Insurance is a good option for you, read on.

American Family Auto Insurance Pros & Cons
Pros Cons
  • 24/7 Phone availability
  • Free policy cancellation
  • Locally available agents
  • Digital claims reporting
  • Free Policy Cancellation
  • Accident forgiveness
  • Emergency roadside assistance
  • Rental car coverage
  • Ridesharing coverage
  • Generous with policy discounts
  • No transport trailer coverage
American Family Auto Insurance FAQ

What types of car insurance coverage options does American Family Auto Insurance offer?

Although we often talk about car insurance in the singular, it really includes several types of coverage options. American Family Auto Insurance offers the following types of car insurance coverage options:

  • Bodily Injury Coverage: This insurance pays for your legal defense and for the costs associated with injuries to other people involved in an accident. 
  • Property Damage Coverage: Usually, this insurance will look after the property damage you cause to another vehicle or property when at fault in an accident.
  • Uninsured Motorist Coverage: The uninsured motorist rider covers the damages caused by a negligent driver who doesn't have an insurance policy.
  • Underinsured Motorist Coverage: This covers the damages caused by a driver who is at-fault but whose liability limits don't cover all the property damages and medical expenses of the accident.
  • Collision Coverage: Collision coverage is an optional policy that pays for the cost of repairing or replacing your vehicle after an accident. If you have an auto lease, the lender may require you buy collision insurance.
  •  Comprehensive Coverage:If your vehicle is damaged in an event other than a collision, comprehensive coverage will pay for the cost of the repair. Covered events include storms, floods, fire, vandalism, and theft.
  • Medical Payments Coverage: Medical payments insurance covers for the medical costs caused by an accident regardless of who is at fault. Most insurance policies will also cover funeral expenses.
  • Personal Injury Protection: Personal injury protection, also known as PIP, typically covers medical expenses, loss of essential services, funeral services, and loss of income. It is similar to medical payments coverage, or MedPay for short. The difference is that MedPay will only cover for reasonable medical expenses.

American Family Auto Insurance customers can also add the following riders or endorsements to their insurance policies:

  • Accident Forgiveness: American Family offers accident forgiveness, which excuses your first accident. This means no insurance rate increase, even if it's your fault.
  • Transportation Network Company or ride-sharing coverage: Standard car insurance policies don't provide coverage the moment you log into a TNC or a ridesharing app like Uber or Lyft. This endorsement covers this gap.
  • Modified Vehicle Insurance: This coverage, also known as customized parts and equipment coverage, can help repair or replace alterations and upgrades you make to your vehicle. Notice that most car insurance policies will only cover original equipment so you may want to consider this policy if you've invested a lot of money on aftermarket parts and upgrades.
  • Travel Expenses / Trip Interruption Coverage: This coverage helps pay for non-refundable expenses if your trip is delayed or canceled due to an accident, mechanical breakdown, theft, injury, unexpected illness, or some other covered event.
  • Rental Car Coverage: Rental car coverage, also known as rental car reimbursement, pays for the cost of a car rental if you can't drive your vehicle because of a covered loss, such as a car accident, theft, or vandalism.
  • Non-Owner Liability Coverage: This policy is designed for people who drive a vehicle they don't own. It is also used by businesses who want to provide coverage for their employees when they use their personal vehicles for work. In some cases this endorsement will also cover rental vehicles.
  • Loan / Lease / GAP Coverage: GAP coverage covers the difference between what you owe on your vehicle and its current cash value in the event of a total loss.
  • Emergency Roadside Service: Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.

Does American Family Auto Insurance have roadside assistance?

Emergency Roadside Service available. Yes, American Family offers roadside assistance to policyholders. Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.

Does American Family Auto Insurance offer ridesharing insurance?

Ridesharing coverage available. : Yes, American Family Auto Insurance offers ridesharing insurance to policyholders as a rider or endorsement. Standard car insurance policies don't provide coverage the moment you log into a TNC or a ridesharing app like Uber or Lyft.

What benefits does American Family Auto Insurance offer?

American Family Auto Insurance offers the following benefits to its customers:

  • 24/7 Phone Availability: Customer service is staffed around the clock.
  • Local Agents: Perfect for people who prefer the personal touch of a local insurance agent.
  • Free Policy Cancellation: No cancellation fees for ending your policy early.
  • Digital Claims Reporting: Never fax or mail a document again.
  • Mechanical / Auto Body Repair Network: Enjoy the competitive prices and peace of mind of having access to a network of service and repair shops.

What insurance discounts does American Family Auto Insurance offer?

When you ask for an insurance quote with American Family Auto Insurance, make sure you ask for all the insurance discounts you qualify for. These are the insurance discounts currently available that are specific to car insurance.
  • Internal Safety Features: American Family Auto Insurance offers additional savings if you have seatbelts, airbags, and similar safety features. Ask what other safety features on your car will trigger an inurance discount.
  • Low Annual Mileage: If you don't put many miles on your car (typically under 15,000 miles a year) you may qualify for an insurance discount.
  • Telematics Device (Usage-Based Insurance): You can qualify for an insurance discount if you agree to install a sensor that records your driving habits.

Want more insurance discounts? Check the insurance discounts tab for a full list of general policy insurance discounts you can qualify for with American Family Auto Insurance.

How does American Family calculate insurance rates?

Car insurance companies guard their risk-assessment algorithms as a trade secret, and American Family is no exception. However, you can be confident that American Family Auto Insurance will take into consideration your driving record, age, gender, marital status, and address.

Other factors it will take into consideration are your vehicle (make and model), insurance history, and how you use your car.

Does American Family Auto Insurance use your credit score?

It is safe to assume that, when legal, a car insurance company will use your credit score as a rating factor. There are two exceptions.

  1. If you live in California, Hawaii, or Massachusetts, a car insurance company is not allowed to use your credit report as a rating factor.
  2. There are also a handful of car insurance companies that base their insurance rates exclusively on telematic data. These companies collect information on your driving behavior and use it to determine the risk you pose as a driver.

How can I get a American Family Auto Insurance insurance quote

  • Visit the American Family website.
  • Fill out the insurance online quote application form. You will typically need to provide personal information, such as your name, vehicle, driver's license, and address.
  • Check the information is accurate and submit your application.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From American Family Auto Insurance

With American Family, you’re in the driver’s seat. Pick your perfect coverages, pile on the discounts, get rewarded for your safe driving habits and so much more! See how we help you take control of what you pay at every step of the way. With customizable coverage options, we'll help you find a policy that protects what matters most to you. Here are just a few types of car insurance we offer. By adding this inexpensive coverage to your auto policy, a single call is all it takes to get you back on the road and back to pursuing your dreams. You can't live without your car. When the unexpected happens, know that you can get a rental car and continue to get around. Having accident forgiveness insurance coverage gives you peace of mind that, if you’re in an accident and file a claim, you won’t be penalized for one mistake.

Availability

  Available in 19 states
  • Arizona
  • Colorado
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Minnesota
  • Missouri
  • Nebraska
  • Nevada
  • North Dakota
  • Ohio
  • Oregon
  • South Dakota
  • Utah
  • Washington
  • Wisconsin

Feature Breakdown

Policy Discounts
  • Advance Purchase / Early Shopper
  • Affinity Relationship
  • Automatic Payment
  • Claims Free
  • Defensive Driver / Safety Course
  • Family Plans
  • Full Payment
  • Good Student
  • Loyalty / Long-Term Customer
  • Multiple Policy
  • Multiple Vehicles
  • New Customer / Competitor Transfer
  • Paperless Billing / e-billing
  • Student Away at School
Vehicle and Equipment Discounts
  • Internal Safety Features (Air Bags / Seat Belts)
  • Low Annual Mileage
  • Telematics Device (UBI)
Liability Vehicle Insurance
  • Bodily Injury Coverage
  • Property Damage Coverage
  • Uninsured Motorist
  • Underinsured Motorist
Medical Vehicle Insurance
  • Medical Payments Coverage
  • Personal Injury Protection
Vehicle Coverages
  • Comprehensive
  • Collision
Financial Strength Rating A
Carrier Features
  • 24/7 Phone Availability
  • Locally Available Agents
  • Free Policy Cancellation
  • Digital Claims Reporting
  • Mechanical / Auto Body Repair Network

American Family Auto Insurance Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -57, equating to 1.9 on a 5 point rating scale.

-57

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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