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Auto Insurance America Review

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Compare quotes from the top auto insurance companies and save!

Things to Remember...

  • Using online auto insurance comparison is a great to save money
  • Cost aside, there are many factors to consider when choosing the right insurance coverage for you and your family.
  • Your credit score and timely payment history impact your insurance rates

Getting free insurance quotes is a wonderous thing. With so many opportunities to save, how do you choose? All those car insurance companies start calling and emailing just as soon as you hit “Enter.”

One company you may have seen come across your screen is Auto Insurance America.

Auto Insurance America has a 40-plus-year history serving drivers in the Southwest in Arizona, New Mexico, and Nevada. The carrier’s many bricks and mortars locations aim to provide more personalized service and convenience.

For all of your auto insurance needs, use our FREE search tool above! Enter your zip code above and start comparing quotes now!

Background on Insurance Buying Decisions

All insurance companies claim to offer the best discounts, the greatest coverage and most responsive claims and customer service agents. So, how do you decide among all the great choices?

When you are comparing insurance companies, reading reviews about the different carriers is helpful.

Cost aside, there are many factors to consider when choosing the right insurance coverage for you and your family. At the least, insurance companies need to have the money to pay claims.

Read consumer reviews to learn more about carriers that:

  • Pay out benefits on time
  • Are courteous and patient with customers who make claims
  • Provide the services as agreed to in the policy
  • Have the fiscal health to pay out benefits to policyholders

Likewise, the carrier must have a sense of responsibility to pay out policyholder benefits timely and at a satisfactory financial rate.

Following a fender bender, many carriers push their customers to use particular body shops. Consumers often feel stilted by cut-rate repairs that sacrifice the quality and visual appeal of their cars.

You are probably aware that your credit score and timely payment history impact your insurance rates. Though, did you know that you can look at the credit rating of the different insurance companies to find out if they have the money to pay out on your claims?

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

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Flexibility is Key

With AIA, you have a variety of payment options to include paying online, by mail, or in person. You can use cash, check, PayPal or a major credit card.

AIA provides another layer of flexibility to its plans. Customers are given a chance to choose their own due dates.

An example of AIA’s commitment to working with its customers is non-fixed payments. Enjoy flexible payment plans when cash is short.

Auto Insurance America agents work with customers to adjust monthly payments to suit personal budgets pay more next month when the money is available.

Saving Opportunities with AIA

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Graduates of Safe Driving Courses receive discounts through AIA’s “Drive Less Pay Less” feature.

Compare these offerings with the services your present carrier provides. Also, check the whole lot of quotes for comparable deals and plans. Comparing the full menu of services provides the best composite picture of every carrier and its quotes.

AIA Mobile Apps for Drivers with Android or iPhone

Users can easily stay plugged in to the AIA mobile apps to:

  • Make Payments
  • Report Claims
  • Provide Proof of Insurance
  • Obtain Policy Details
  • Contact AIA

Insurance Offerings

The below options are all offered by AIA:

  • Car
  • Truck
  • Motorcycle
  • Homeowners

Drawing the Line on Agent Information

Insurance agents and brokers are licensed to sell coverage in the state you live and drive. They are a fountain of knowledge about all things auto insurance related. Though, it is with limits, because they cannot tell you what to buy. Often, they make it a point not to tell you what to buy.

It seems frustrating at the time. You may even notice that if you ask what for suggestions they generally for their own liability reasons may take on a solely educational stance.

What this means is if you ask whether you need higher coverage limits, they might just explain what a payout of benefits means at that coverage level.

Even if you provide a description of all your assets and their value, the agent is unable to choose your policy limits for you.

Tips on Choosing the Right Coverage for You

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Evaluate net values annually. This is the difference between the value of all assets minus all debts. Sure, a lot of people have negative net worth, especially now.

What would make this situation worse is being forced to cash out insurance policies that are meant to protect your family, not pay someone else’s medical bills.

It would add more debt to the equation with the terrible possibility of filing bankruptcy as the worst case scenario.

Bankruptcy in itself is not necessarily bad because it clears out financial responsibility, although it is like financially tying your arms behind your back and trying to survive.

Instead, buy liability coverage according to present asset values, including stocks, bonds, savings, housing values and even vehicle values. The good news for so many who experienced home ownership in underwater markets? The value of the house made auto insurance customers lower their liability limits accordingly.

If you have more assets to protect, buy more coverage. If you were wondering, insurance coverage for the wealthy and famous includes a ton of liability coverage for obvious reasons. Make sure you are covered.

Making a Decision

In conclusion, buying coverage is not as quick and simple as getting a free quote. Car insurance companies all want you as their next customer.

Compare all the factors, not just the policy premium quoted. Make sure the carrier’s way of doing business works with you and for you, like with Auto Insurance America does for its customers.

Evaluate the costs, flexibility, customer service, and benefits payout record. Seek out reviews on the different carriers offering you coverage. Look at the credit rating of the different insurance companies.

Check out Auto Insurance America to find out if it is the carrier for you if you live in New Mexico, Arizona or Nevada.

If you live elsewhere, enter your zip code below to use our FREE search tool above for your auto insurance needs!

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

 Secured with SHA-256 Encryption

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