American Auto Insurance Review (2024)

American Auto Insurance is an online company that serves people living in Chicago and Illinois. They offer SR-22 insurance in addition to traditional coverage.

UPDATED: Jan 30, 2024

Advertiser Disclosure

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.

UPDATED: Jan 30, 2024Fact Checked

Benjamin Carr

Former State Farm Insurance Agent

Benjamin Carr worked as a licensed insurance agent at State Farm and Tennant Special Risk. He sold various lines of coverage and informed his clients about their life, health, property/casualty insurance needs. Assessing risks and helping people find the best coverage to suit their needs is a passion of his. He appreciates that insurance was designed to protect people, particularly during times...

Former State Farm Insurance Agent

Jeff Root

Licensed Insurance Agent

Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...

Licensed Insurance Agent

UPDATED: Jan 30, 2024

Advertiser Disclosure

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: Jan 30, 2024

Advertiser Disclosure

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.

UPDATED: Jan 30, 2024

Advertiser Disclosure

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.

UPDATED: Jan 30, 2024Fact Checked
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American Insurance

Average monthly rate for good drivers:

N/A

A.M. Best rating:

A+

Complaint level:

Low

What You Should Know About American Insurance

Things to Remember...

  • The American Auto Insurance is an online company that serves people living in Chicago and Illinois
  • The number of accidents you’ve had negatively affect your insurance premiums
  • Driving internationally is not the same as driving in the USA

One of the better independent insurance agents serving people in the Chicago area and the State of Illinois is an online agent, American Auto Insurance. They have a website that can give you fast quotes and advice on auto insurance.

American Auto Insurance is efficient and professional with live staff to advise you upon questions that you might have about insurance policies. A glossary of insurance terms is included on their website to allow you to understand exactly the purchases you are making.

Online payment, claims, changes of automobiles, driver changes, and renewals are available.

Check out the FREE comparison tool above to find and compare auto insurance quotes. Simply enter your zip code above now!

Getting an Auto Insurance Quotation

When purchasing automobile insurance, you have many options both online and in person. Online price quotes are easier to obtain and allow you to make comparisons easily.

These quotations also allow you to compare insurance companies and coverage options and their standing within the same price ranges. Read: How do I compare auto insurance?

All you have to do is enter the information about you, the people who drive your cars, and the details of your automobiles or trucks, and you’ll have the basis for an online price comparison.

However, if you have circumstances that can affect the cost of your automobile insurance such as:

  • You’re new to purchasing automobile insurance in the U.S.
  • A recent immigrant to the United States
  • Have a number of tickets or accidents
  • Need an SR-22 insurance (financial responsibility) filing with the State
  • Have an International Driver’s license
  • High-Risk driver
  • Use your vehicle commercially

What is an independent agent?

Independent agents, in the United States, represent a number of insurance companies and can obtain price quotations from each of those companies to help you make an informed decision about your car insurance coverage options.

Typically, these agents will give you advice about the amounts and types of auto insurance required by law in your state and help you determine the adequacy of these limits and coverage for your life and circumstances.

An advantage of the independent agency system is that they are dedicated to your insurance needs and are flexible enough to allow changes that are in the customer’s best interest. Read: How can I find auto insurance agents in my area?

SR-22 (Financial Responsibility)

Sometimes, due to accidents or suspension of a license, the state will require an SR-22 or Financial Responsibility filing to be made by your auto insurance provider in order to renew or obtain your driving license.

This filing assures the state that you will have automobile liability insurance in force until a certain term expires.

Usually, this filing needs to be made immediately, and American Auto Insurance can arrange to have an SR-22 filing made within a day.

The insurance company will not notify the Department of Motor Vehicles if the insurance lapses or is not paid.

In that case, you will receive a notice indicating that your driving privileges have been revoked until you acquire automotive insurance again. Motor Vehicle Departments send notifications to your last address on your license, they don’t worry about it getting to you. Read SR-22 insurance to learn more.

International Drivers Licenses

Persons temporarily in the United States may use their International Drivers License validly, but insurance is still necessary.

Consult with American Auto Insurance for the details of this requirement and registration with the Department of Motor Vehicles.

The reason these departments are concerned about international drivers licenses results from the various laws about driving from the United States to other countries.

Laws vary depending on which country you are in, so take the time to educate yourself before getting behind the wheel.

The Fine Print

American Auto Insurance will explain the necessary aspects of automotive insurance in further detail, but here are some of the things you need to be aware of about car insurance.

  • Liability insurance – insurance for your property damage and bodily injury responsibilities in an accident — is required by all states
  • Physical damage insurance – insurance to cover your property — is optional but helpful if you have a limited income, necessary if you have a loan on the car. Physical damage coverage can provide coverage against theft, vandalism, weather damage, animal damage, as well as collision
  • Uninsured motorists insurance – protects you from paying for medical costs if you are injured by someone without insurance because not everyone is law-abiding

In order to get an insurance quote, have the following information in hand:

  • Full names of all drivers and their dates of birth
  • Drivers license numbers
  • Description – year, model, and make of cars to be insured and their VIN numbers
  • Driving records

Auto insurance consumers will be pleased with the ease of using the website for American Auto Insurance not only for quotes but also for comparison of insurance prices and services.

The agency is highly respected in Illinois and has locations throughout the Chicago area. They can provide insurance throughout Illinois. Go online to see for yourself and consult with one of their friendly customer services representatives.

If you’re ready to start comparing car insurance quotes, simply enter your zip code in the box below!

References:

  1. https://en.wikipedia.org/wiki/SR-22_(insurance)
  2. https://driversed.com/driving-information/the-driving-privilege/taking-financial-responsibility.aspx
  3. https://travel.state.gov/content/travel/en/international-travel/before-you-go/driving-and-road-safety.html
  4. https://midatlantic.aaa.com/MemberNonMemberLanding

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Frequently Asked Questions

What should I be aware of regarding car insurance?

It is important to understand the necessary aspects of car insurance. Liability insurance, which covers property damage and bodily injury responsibilities, is required by all states. Physical damage insurance, which covers your property, is optional but recommended. Uninsured motorist insurance protects you from paying for medical costs if you are injured by someone without insurance.

Can I use my International Driver’s License in the United States?

If you are temporarily in the United States, you may use your International Driver’s License. However, insurance is still necessary. It is important to consult with American Auto Insurance to understand the specific requirements and registration process with the Department of Motor Vehicles.

What is SR-22 (Financial Responsibility) insurance?

SR-22 insurance is a filing that your auto insurance provider makes with the state on your behalf. It is required in certain circumstances, such as after accidents or license suspensions. This filing ensures that you have liability insurance in force for a specific period of time.

Can I make payments for my insurance policy online?

Yes, American Auto Insurance provides online payment options for convenience. You can easily make payments through their website or mobile app.

Can I make changes to my policy online?

Yes, American Auto Insurance allows policyholders to make changes to their policies online. You can update information such as adding or removing drivers, changing vehicles, or adjusting coverage limits.

Does American Auto Insurance offer roadside assistance?

Yes, American Auto Insurance offers roadside assistance as an optional coverage. This service can provide help with services like towing, jump-starts, flat tire changes, and lockout assistance.

Benjamin Carr

Former State Farm Insurance Agent

Benjamin Carr worked as a licensed insurance agent at State Farm and Tennant Special Risk. He sold various lines of coverage and informed his clients about their life, health, property/casualty insurance needs. Assessing risks and helping people find the best coverage to suit their needs is a passion of his. He appreciates that insurance was designed to protect people, particularly during times...

Former State Farm Insurance Agent

Jeff Root

Licensed Insurance Agent

Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...

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.

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