American Casualty Auto Insurance Review (2024)

Toledo-based American Casualty auto insurance is a full-service insurance agency, which means that they sell auto, home, business, health, flood, and life insurance products.

UPDATED: Dec 19, 2023Fact Checked

Zach Fagiano

Licensed Insurance Broker

Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...

Licensed Insurance Broker

Travis Thompson

Licensed Insurance Agent

Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...

Licensed Insurance Agent

UPDATED: Dec 19, 2023

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: Dec 19, 2023

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: Dec 19, 2023Fact Checked

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American Casualty

Average monthly rate for good drivers:

$83

A.M. Best rating:

A

Complaint level:

Low

Pros

  • American Casualty was founded in 1981
  • American Casualty is a full-service insurance agency, which means that they sell auto insurance, homeowner insurance, business insurance, health, flood, and life insurance products

Cons

  • Instead of using an online quote tool, you are required to call them and speak with an agent to get your quotes

Final Verdict: Review of American Casualty

There are several American Casualty auto insurance companies to look at. Each of these companies are independent insurance agencies. This means that instead of selling insurance for a single company, they sell insurance products for multiple companies.

This American Casualty auto insurance review will focus on American Casualty Insurance Agency, Inc. American Causality is a Toledo, OH, based insurance company that was founded in 1981.

Enter your ZIP code above and begin the process of getting your free auto insurance quotes!

[su_box title="Things to remember..." style="default"]
  • American Casualty was founded in 1981
  • American Casualty is a full-service insurance agency, which means that they sell auto insurance, homeowner insurance, business insurance, health, flood and life insurance products
  • American Casualty is headquartered in Toledo, Ohio
[/su_box] There are several American Casualty auto insurance companies to look at. Each of these companies are independent insurance agencies. This means that instead of selling insurance for a single company, they sell insurance products for multiple companies. This American Casualty auto insurance review will focus on American Casualty Insurance Agency, Inc. American Causality is a Toledo, OH, based insurance company that was founded in 1981. Enter your ZIP code above and begin the process of getting your free auto insurance quotes!

What You Should Know About American Casualty Company (Pa)

American Casualty is a full-service insurance agency, which means that they sell auto insurance, homeowner insurance, business insurance, health, flood and life insurance products.

They are located at:

5951 Renaissance Place, Suite A
Toledo, OH 43623

You can call them directly at: 419-885-3571.

As an independent agency, American Casualty doesn’t answer to any insurance company. This has both its pros and its cons.

The reason that this is a positive thing is that the company shouldn’t try to shove one particular insurance provider down your throat. They should offer you the best product that meets your needs exactly.

The downside to this is that they don’t specialize for any particular company. In other words, they aren’t an expert in Progressive or Unitrin products. If they don’t know the answer to something, they contact someone from the insurance company your products are coming from to get the answers.

American Casualty is contracted and licensed to sell products from nine companies. These companies are:

  • Auto Owners Insurance Company
  • Grange Insurance
  • State Auto Insurance Company
  • Progressive
  • Safeco Insurance
  • Foremost Insurance Group
  • Ohio Fair Plan Underwriting Associates*
  • Hanover Insurance Group
  • Unitrin Specialty Insurance

American Casualty Careers

Because this is an independent agency, you won’t work directly for an insurance company if you work for American Casualty. In fact, because they don’t offer a career page on their website, it isn’t clear whether or not you would be working for American Casualty either.

Many independent insurance agencies are using independent contractors as agents for their business. This allows them to avoid paying payroll costs and unemployment insurance costs.

Once a plan is sold, the person who sold it receives a commission from the insurance company every month, as long as you make your payments. It is in the best interest of the agent to ensure that you get exactly what you want and need so that they keep getting paid!

The downside for the agent is that there is no job stability in this kind of position. They depend on the agency to bring in customers and if they don’t, then the agents can’t make money.

As mentioned above, American Casualty doesn’t discuss their agents at all, which means they could be employed by the company, or they could be independent contractors. Read how do I become an auto insurance agent for more information.

American Casualty Locations

American Casualty only has one office, which is in Toledo, OH. It is a locally owned and operated business with an unknown amount of agents working for the company.

While American Casualty is able to write policies for people all over the country because they sell products through companies such as Progressive, having only one office can be limiting.

If you live in Florida, for example, you aren’t going to travel to Ohio for a face to face with your independent agent; you are going to want to find someone who is local to you.

How do I get a quote from American Casualty?

American Casualty has a major failing on their website when you go looking for a quote. Instead of using a quote tool, you are required to call them and speak with an agent to get your quotes.

When you call, you will need to provide your:

  • Birth date
  • Driver’s license number
  • Address
  • Lending company
  • Current insurance information
  • VIN for your car
  • Year car was made
  • Make of car
  • Model of car

This information isn’t too intrusive and will get you a good quote. However, the downside is your only insurance company options are the nine companies listed above, several of which only sell insurance in one state. This means if you don’t live in one of those states, then your automatic option will be Progressive. See our Progressive auto insurance review to learn more.

Find out how to get multiple auto insurance quotes.

When you use our free quote tool, you will be provided with numerous quotes from top companies, as well as smaller more local companies. You choose the one that offers you the cheapest auto insurance rates or most ideal policy and then go from there.

You can compare FREE auto insurance quotes right now by entering your ZIP code below!

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Frequently Asked Questions

What is American Casualty Auto Insurance?

American Casualty Auto Insurance is an insurance company that provides auto insurance coverage for vehicles. They offer various policies to protect drivers and their vehicles against potential risks.

What types of auto insurance coverage does American Casualty Auto Insurance offer?

American Casualty Auto Insurance offers a range of coverage options, including liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, personal injury protection (PIP), and more. The specific coverage options may vary based on the policy and state regulations.

How can I contact American Casualty Auto Insurance?

To contact American Casualty Auto Insurance, you can reach out to their customer service department through phone or email. Their contact information is typically provided on their official website or policy documents.

How can I file a claim with American Casualty Auto Insurance?

To file a claim with American Casualty Auto Insurance, you can contact their claims department directly. They will guide you through the claims process, provide the necessary forms, and assist you in gathering any required information. It is important to report accidents or incidents promptly to initiate the claims process.

Does American Casualty Auto Insurance offer roadside assistance?

American Casualty Auto Insurance may offer optional roadside assistance coverage as an add-on to their policies. Roadside assistance can provide services like towing, jump-starts, fuel delivery, lockout assistance, and more in case of emergencies or breakdowns while on the road. The availability of this coverage may vary based on the policy and state regulations.

Can I manage my American Casualty Auto Insurance policy online?

Yes, American Casualty Auto Insurance typically provides an online portal or mobile app that allows policyholders to manage their policies. This may include tasks such as making payments, viewing policy documents, updating personal information, and accessing digital ID cards.

How are American Casualty Auto Insurance premiums determined?

American Casualty Auto Insurance calculates premiums based on several factors, including the driver’s age, driving history, location, type of vehicle, coverage options selected, and other relevant factors. Premiums can vary from person to person based on these factors.

Does American Casualty Auto Insurance offer discounts?

American Casualty Auto Insurance may offer discounts to eligible policyholders. These discounts can vary but commonly include safe driver discounts, multi-policy discounts, good student discounts, and discounts for certain safety features installed in the vehicle. The availability and specifics of discounts may vary based on the policy and state regulations.

Can I cancel my American Casualty Auto Insurance policy?

Yes, policyholders generally have the option to cancel their American Casualty Auto Insurance policy. However, the specific terms and conditions related to cancellations may vary. It’s advisable to review the policy documents or contact the company directly to understand the cancellation process and any applicable fees or penalties.

How can I get a quote for American Casualty Auto Insurance?

To get a quote for American Casualty Auto Insurance, you can visit their official website or contact their customer service department. They will ask for relevant information about your vehicle and personal details to provide an accurate quote based on your specific needs and circumstances.

Zach Fagiano

Licensed Insurance Broker

Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...

Licensed Insurance Broker

Travis Thompson

Licensed Insurance Agent

Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...

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.

Compare Quotes from Top Companies and Save

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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