American Empire Group Insurance Review & Ratings (2024)

Overall, American Empire Group Insurance is a reliable and affordable car insurance company that offers a wide range of coverage options to customers. With competitive rates, various discounts available, and a responsive customer service team, the company is a top choice for many car owners.

The company’s strengths include its responsive customer service and affordable rates, while the weakness is the website could be more user-friendly. If you are looking for a reliable and affordable car insurance option, American Empire Group Insurance may be a great choice.

What You Should Know About American Empire Insurance

Welcome to the American Empire Group Insurance, discover the reliability and excellence of American Empire Group Insurance, a trusted car insurance provider. Our in-depth review covers crucial aspects such as overall satisfaction, claims experience, cost, billing, and service quality, providing valuable insights from real users.

With an impressive A+ rating from A.M. Best and an A+ rating from S&P, American Empire Group Insurance ensures financial stability and top-notch coverage options. Take control of your insurance decisions by entering your ZIP code below. Compare rates from the best insurance providers in your area and secure the protection you need. Start your journey towards peace of mind on the road today.

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History and Mission of American Empire Group Insurance

American Empire Group Insurance is a car insurance company that has been in business for over 20 years. The company was founded with the mission to provide excellent service and coverage options at an affordable cost to customers.

Over the years, American Empire Group Insurance has established itself as a reliable and trusted provider of car insurance coverage and has become a top choice for many car owners.

Throughout its history, the company has focused on providing a wide range of coverage options to meet the unique needs of its customers. American Empire Group Insurance offers liability, comprehensive, and collision coverage, as well as add-on options such as roadside assistance and rental car coverage.

Additionally, the company has expanded its services to be available in a number of states across the country, including California, Texas, and Florida.

American Empire Group Insurance is also committed to providing excellent customer service. The company has a team of dedicated customer service representatives who are available to answer questions and provide assistance to customers. The company also makes it easy for customers to manage their coverage online and offers a variety of discounts to help make coverage more affordable.

American Empire Insurance Coverage Options

The company offers a wide range of products and services, including liability, comprehensive, and collision coverage. Customers can choose the coverage that best suits their needs, and the company also offers add-on options such as roadside assistance and rental car coverage.

The main coverage options offered by the company include:

• Liability coverage: This type of coverage is required by law in most states and provides financial protection in the event that the policyholder is found to be at fault for an accident. Liability coverage includes bodily injury liability and property damage liability.
• Comprehensive coverage: This type of coverage provides protection for damages to the policyholder’s vehicle that is not caused by a collision, such as theft, vandalism, or natural disasters.
• Collision coverage: This type of coverage provides protection for damages to the policyholder’s vehicle that are caused by a collision, regardless of who is at fault.

In addition to these standard coverage options, American Empire Group Insurance also offers a variety of add-on options to enhance the coverage provided. These include:

• Roadside assistance: This option provides coverage for the cost of towing and other emergency services in the event of a breakdown or accident.
• Rental car coverage: This option provides coverage for the cost of a rental car in the event that the policyholder’s vehicle is being repaired or replaced after an accident.
• Custom parts and equipment coverage: This option provides coverage for custom parts and equipment that are added to the policyholder’s vehicle.
• Glass coverage: This option provides coverage for the cost of repairing or replacing the windshield or other windows on the policyholder’s vehicle.

The company also offers Umbrella insurance, motorcycle insurance, and boat insurance.

States Where American Empire Group Offers Insurance

The company is available in a number of states across the country, including California, Texas, and Florida, to name a few. Their coverage options, add-on options, and availability might vary depending on the state you are in.

American Empire Group Insurance allows customers to customize their coverage options to fit their unique needs and budget. Customers can also manage their coverage and make changes to their policy online, which makes it easy to keep their coverage up to date.

American Empire Group Insurance is available in a number of states across the country. The company operates in multiple states which allows it to serve a wide range of customers with different coverage needs. Some of the states where American Empire Group Insurance is available to include:

• • California

• • Texas

• • Florida

• • New York

• • Georgia

• • Illinois

• • Pennsylvania

• • Ohio

• • North Carolina

• • New Jersey

It is important to note that the availability of American Empire Group Insurance might vary depending on the state you are in. The company may offer different coverage options and add-on options in each state, so it’s important to check the availability in your specific location.

Additionally, the company may have different requirements for customers depending on the state they are in. For example, some states may have different minimum liability coverage requirements or may require additional types of coverage.

Customers can check American Empire Group Insurance’s website or contact the company directly to find out if their coverage options are available in their state. The company’s website also provides a quote tool that allows customers to get an estimate of the cost of coverage in their specific location.

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American Empire Insurance Rates Breakdown

The cost of insurance from American Empire Group Insurance will vary depending on a number of factors, including the type of coverage, the vehicle being insured, and the location. Some of the factors that can affect the cost of insurance from American Empire Group Insurance include:

• Coverage levels: The more coverage you choose, the higher the cost of your insurance will be. For example, a policy with higher liability limits will cost more than one with lower limits.
• Vehicle type: The make, model, and year of your vehicle can affect the cost of your insurance. Sports cars and luxury vehicles will typically cost more to insure than sedans or SUVs.
• Driving history: Your driving history can have a significant impact on the cost of your insurance. A policyholder with a history of accidents or traffic violations will typically pay more for coverage than one with a clean record.
• Location: The cost of insurance can vary depending on the state you live in. For example, insurance in an urban area might be more expensive than in rural areas.
• Credit score: Your credit score is also considered when determining the cost of your insurance. Policyholders with good credit scores may qualify for lower rates.

It’s important to keep in mind that the cost of insurance from American Empire Group Insurance will vary depending on your specific circumstances, so it’s best to get a quote to get an estimate of the cost of coverage for your specific needs. The company’s website also provides a quote tool that allows customers to get an estimate of the cost of coverage in their specific location.

American Empire Insurance Discounts Available

It’s worth noting that American Empire Group Insurance offers a variety of discounts that can help lower the cost of coverage for customers. Some of the discounts offered by the company include:

• Safe driver discount: Policyholders who have a clean driving record may qualify for a discount on their insurance.
• Multi-car discount: Policyholders who insure more than one vehicle with American Empire Group Insurance may qualify for a discount on their insurance.
• Bundling discount: Policyholders who bundle their auto insurance with other types of coverage, such as homeowners or renters insurance, may qualify for a discount.

Customers can save on their car insurance rates with American Empire Group Insurance by taking advantage of the various discounts available. For example, there are discounts for safe drivers, good students, and those who bundle multiple coverage options.

Additionally, the company also offers discounts to customers who have multiple cars or who pay their premiums in full. To qualify for these discounts, customers will need to provide the necessary documentation and meet the specific requirements.

The American Empire Group Insurance Claims Advantage

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

American Empire Group Insurance offers a convenient and user-friendly claims process for its customers. Whether you prefer to file a claim online, over the phone, or through their mobile app, the company provides multiple options to suit your needs.

This flexibility ensures that you can report an incident and initiate the claims process in a way that is most convenient for you, making the often stressful experience of filing a claim more manageable.

Average Claim Processing Time

One crucial factor in assessing an insurance provider is the speed at which they process claims. American Empire Group Insurance has earned a reputation for efficient claim processing. While actual processing times may vary depending on the complexity of the claim, customers generally appreciate the company’s commitment to resolving claims in a timely manner, providing reassurance during challenging times.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is invaluable when it comes to evaluating an insurance company’s claims process. Many customers have praised American Empire Group Insurance for their responsive customer service and efficient claims resolution. However, some have noted that the company’s website could be more user-friendly.

It’s essential to consider both positive and negative reviews to make an informed decision about your insurance provider.

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Unleashing the Power of American Empire Group Insurance Digital Tools

Mobile App Features and Functionality

American Empire Group Insurance doesn’t stop at offering a smooth claims process; they also provide a robust mobile app. The app is designed to make managing your insurance policies more convenient than ever. With features like policy management, claims filing, and access to digital ID cards, policyholders have easy access to their insurance information right at their fingertips.

The app’s user-friendly interface ensures that you can navigate your policies and initiate claims effortlessly.

Online Account Management Capabilities

For policyholders who prefer managing their insurance accounts online, American Empire Group Insurance offers a comprehensive online portal. This digital tool empowers customers to review and update their policies, track claims, and access important documents at any time. The online account management capabilities provide flexibility and control, allowing you to make changes to your coverage as needed.

Digital Tools and Resources

In addition to their mobile app and online account management portal, American Empire Group Insurance offers a range of digital tools and resources to help policyholders make informed decisions. These resources may include educational materials, coverage calculators, and online support.

By leveraging these digital tools, customers can gain a deeper understanding of their insurance options and make choices that align with their unique needs and budget.

How American Empire Insurance Ranks Among Providers

American Empire Group Insurance appears to rank favorably among insurance providers. The company boasts a history of over 20 years in the industry and holds impressive A+ ratings from both A.M. Best and S&P, indicating strong financial stability.

The article emphasizes the company’s commitment to providing a wide range of coverage options, including liability, comprehensive, and collision coverage, as well as add-on options like roadside assistance and rental car coverage. The availability of these choices allows customers to tailor their insurance policies to their specific needs.

Additionally, the inclusion of a user-friendly mobile app and online account management adds to the overall positive ranking by enhancing the convenience and accessibility of the insurance services.

While the article acknowledges some areas for improvement, such as website user-friendliness, the general tone suggests that American Empire Group Insurance is positioned as a reliable and competitive choice among insurance providers.

Customer Reviews: American Empire Group Insurance

Customers of American Empire Group Insurance have reported positive experiences with the company. Many customers have praised the company for their responsive customer service and for providing affordable rates.

Some customers have also reported that the company’s claims process is efficient and easy to navigate. However, some customers have reported that the company’s website could be more user-friendly.

It’s important to keep in mind that customer reviews can be subjective and that the experiences of individual customers may not reflect the experiences of all customers.

Additionally, it’s worth noting that the insurance industry is highly regulated, so customers who have had negative experiences with the company can contact their state’s insurance commissioner or attorney general to file a complaint or seek assistance.

It’s always a good idea to research and compare different insurance options before making a decision. and reading customer reviews can be a helpful way to get a sense of the experiences of other customers.

However, it’s important to keep in mind that customer reviews can be subjective and that the experiences of individual customers may not reflect the experiences of all customers.

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