Young America Car Insurance Review & Ratings (2024)

The comprehensive exploration delves into Young America Car Insurance, a leading provider offering an array of insurance solutions. Detailing the company’s diverse offerings, the article navigates through its various insurance types—Auto, Home, Renters, and Motorcycle—providing in-depth insights into each policy’s coverage options and benefits.

With an emphasis on tailored policies and competitive rates, Young America’s commitment to customer satisfaction shines through. The piece concludes by highlighting the company’s strengths and wraps up with informative FAQs, guiding potential customers toward a well-informed decision-making process.

What You Should Know About Young America Insurance Company

The Young America Insurance Company was founded in 1952 by Rodney D. Young in Birmingham, Alabama, to provide affordable coverage for high-risk drivers. The Loya Insurance Group, in El Paso, Texas, bought the company in 2012.

The Young America Insurance Trussville, Alabama office was the first physical space, but the company has spread throughout the state. Today, the company serves Loya Insurance Group customers throughout Alabama.

Are you a high-risk driver in search of affordable car insurance? Look no further than Young America Car Insurance. In this comprehensive review, we’ll delve into key topics such as coverage options, discounts, customer reviews, claims process, and more. Our goal is to help you make an informed decision about whether Young America Car Insurance is the right choice for you. But why stop there?

Empower yourself by taking control of your insurance choices. Unlock the potential for substantial savings by comparing rates from top providers in your area. Simply enter your zip code and gain access to a wide range of options. Don’t miss out on the opportunity to make informed decisions and save money. Act now and secure the best insurance coverage at the most competitive rates available.

Young America Insurance Company Insurance Coverage Options

One of the reasons Young America coverage is so affordable is the lack of insurance options. The Young America car insurance company only offers the basic standard types of auto insurance plus rental reimbursement.

Due to the lack of options, the company isn’t the right fit for drivers looking for extensive coverage. However, it’s a good choice for those looking for basic coverage, such as your state’s minimum requirement.

According to the Insurance Information Institute, most states require that drivers carry specific coverages. This requirement is usually liability insurance. If a driver has their license revoked, they’ll need to obtain the necessary coverage to reinstate driving privileges.

Before inquiring about Young America car insurance quotes, it’s good to know which coverages are available and how they protect you. The following table shows the basic coverages offered by Young America and what they cover.

Young America Insurance Auto Coverages

In addition to these coverages, Young America also provides rental insurance. This type of policy provides coverage up to a certain amount for the cost of a rental car when you can’t use your vehicle.

Young America Insurance Company Insurance Rates Breakdown

Young America has limited options for coverage but makes up for it with affordable rates. Rather than providing a wide range of services, the company focuses on providing coverage to drivers that find it difficult to obtain car insurance from other companies.

Some drivers can find affordable Young America car insurance as low as $20 per month. However, the company uses several factors to determine car insurance rates. Some of the factors that Young America uses to determine monthly rates include:

• Driving record
• Age
• Vehicle
• Coverage
• Location
• Credit score
• Marital status and gender
• Mileage
• Occupation

The best way to get the cheapest Young America car insurance rates is to keep a clean driving record, a high credit score, and limit your mileage.

Young America Insurance Company Discounts Available

The best way to find cheap insurance is to compare quotes from various companies and take advantage of saving opportunities. Most insurance companies offer multiple discounts for customers to lower their rates.

Young America doesn’t have discount options on its website but offers similar saving opportunities to other companies owned by its parent company, the Loya Insurance Group. The following chart shows some of the discounts you might find from Young America Insurance.

Young America Insurance Auto Discounts

In addition to these savings, Young America offers discounts for specific demographics. Some of the people that can save even more with Young America include:

• Military and veterans
• Seniors
• Teachers

Young America also offers a small discount for garaging your vehicle. Keeping your car in a locked garage makes drivers cheaper to insure because it’s less likely that the car will be damaged or stolen during the night.

Navigating Young America Car Insurance Claims Process

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

Young America Car Insurance aims to provide a seamless claims filing process for its customers. To initiate a claim, policyholders have the option of contacting the company’s claims department by phone at 1-800-880-0472.

The process involves providing essential information to a representative, after which a liability claims adjuster will take over and contact the policyholder within 24 hours of reporting the claim. It’s important to note that claim filing can only be done during the company’s office hours.

Average Claim Processing Time

While specific information about Young America Car Insurance’s average claim processing time is not provided in the review, the company’s goal is to handle claims efficiently. After reporting a claim and providing the necessary details, an adjuster will conduct a thorough review.

This process typically includes assessing the damages, gathering information, and making a determination regarding the claim’s validity. Once all necessary steps are completed, the company will inform the policyholder of the claim’s acceptance or denial.

Customer Feedback on Claim Resolutions and Payouts

The review does not provide detailed customer feedback on Young America Car Insurance’s claim resolutions and payouts. However, it’s mentioned that Young America is a small company, and therefore, there may be limited information available regarding customer experiences and satisfaction with the claims process.

It’s advisable for potential customers to research further or reach out to current policyholders for insights into their claim resolution experiences with the company.

Unveiling Young America Car Insurance Digital and Technological Advancements

Mobile App Features and Functionality

Young America Car Insurance does not have its independent website or mobile app. Instead, customers can access the website of its parent company, the Loya Insurance Group.

While the review does not provide specific details about the features and functionality of a dedicated mobile app, it’s mentioned that customers can create a Young America Insurance login to access the website. The website allows customers to make online payments, and it also provides information about local branches for those who prefer in-person interactions.

Online Account Management Capabilities

Young America Insurance offers online account management capabilities through its parent company’s website, the Loya Insurance Group. Policyholders can use their Young America Insurance login to access their accounts and manage their policies online.

While the review does not delve into specific features, online account management typically includes functions such as reviewing policy details, making payments, updating personal information, and accessing policy documents.

Digital Tools and Resources

The review does not provide detailed information about specific digital tools and resources offered by Young America Car Insurance. However, customers can expect to find standard online resources and tools commonly offered by insurance companies.

These may include policy documents, FAQs, contact information, and the ability to request quotes or file claims online. Customers can explore the website to access these digital resources and tools to enhance their insurance experience with Young America Car Insurance.

How Young America Insurance Company Ranks Among Providers

In the realm of insurance providers similar to Young America Car Insurance, several notable competitors vie for market share. Each competitor brings its own unique offerings and strengths to the table, providing customers with a range of options to consider.

Understanding the landscape of these competitors can assist potential customers in making informed decisions regarding their insurance needs.

• State Farm Insurance
• Geico
• Progressive Insurance
• Allstate Insurance
• Liberty Mutual

Competing within a dynamic industry, these companies, like Young America Car Insurance, aim to cater to diverse customer needs. Prospective clients can benefit from assessing the specific features and policies offered by these competitors to find an insurance provider that best aligns with their requirements and preferences.

How are the Young America Insurance reviews?

Young America is a small company, so many organizations haven’t reviewed or rated it. This fact can make it difficult to determine the quality and financial stability of the company. Additionally, the Loya Insurance Group also lacks financial reviews.

Credit rating agencies, like A.M. Best, regularly determine the financial strength of insurance companies, indicating the likelihood that customers will receive a payout when filing a claim. However, none of these agencies have reviewed Young America Insurance or the Loya Insurance Group.

Similarly, the Better Business Bureau (BBB) hasn’t reviewed Young America Insurance. However, the Loya Insurance Group has been rated a C by the BBB. There are currently 43 customer reviews on the BBB website about the Loya Insurance Group, with an average rating of one out of five stars.

At the time of this review, the BBB has received 108 complaints about the Loya Insurance Group over the past three years. The most common complaints made about the organization are:

• Unsatisfactory settlements and offers
• Delays in handling claims
• Denial of claims

Examining the individual complaints made about the company and its parent company will help you decide if they should be a concern.

Does Young America Insurance have a website?

Young America Insurance doesn’t have an independent website, but customers can visit the website of its parent company, the Loya Insurance Group. When customers buy Young America car insurance, they’ll create a Young America Insurance login that allows access to the site.

While customers can’t file claims online, the Young America Insurance Pay Online link allows customers to make payments electronically through the website. Additionally, the website provides local branches for customers that prefer face-to-face interaction.

Young America provides basic car insurance policies for customers throughout Alabama. The company offers competitive rates and affordable coverage for high-risk drivers. Learning more about Young America Insurance will help you decide if it’s the right choice.

Now that you know about Young America Insurance, enter your ZIP code to get free auto insurance quotes in your area.