AIC Car Insurance Review & Ratings (2024)
Discover comprehensive AIC car insurance review and ratings to make informed decisions about your coverage. Gain valuable insights from our professional resource, offering unbiased information, expert analysis, and customer experiences. Evaluate AIC's offerings thoroughly and find the best car insurance coverage tailored to your specific needs.
Angie Watts
Licensed Real Estate Agent
Angie Watts is a licensed real estate agent with Florida Executive Realty. Specializing in residential properties since 2015, Angie is a real estate writer who published a book educating homeowners on how to make the most money when they sell their homes. Her goal is to educate and empower both home buyers and sellers so they can have a stress-free shopping and/or selling process. She has studi...
Licensed Real Estate Agent
UPDATED: Feb 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above 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 insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Feb 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
The Agency Insurance Company
Average monthly rate for good drivers:
N/AA.M. Best rating:
A (Excellent)Complaint level:
MedPros
- Competitive rates compared to certain top insurance providers in Maryland.
- Wide variety of coverage options available for both personal and commercial policies.
Cons
- Medium complaint level indicated by the number of complaints received by the Better Business Bureau and the National Association of Insurance Commissioners.
Final Verdict: Review of The Agency Insurance Company
The Agency Insurance Company provides personal and commercial car insurance to Maryland, Pennsylvania, and Virginia drivers. The company has competitive rates and offers a wide variety of coverages. Additionally, the company has been rated an A by A.M. Best.
Learning more about the Agency Insurance Company will help you decide if the company is a good option for your needs. Now that you know about the Agency Insurance Company, enter your ZIP code to get free car insurance quotes in your area.
What You Should Know About Agency Insurance Company
Welcome to our comprehensive AIC Car Insurance Review. In this article, we provide an in-depth analysis of AIC Car Insurance, covering essential topics such as coverage options, customer satisfaction, claims process, and affordability. Our aim is to equip you with valuable insights to make informed decisions when it comes to your car insurance needs. To ensure you get the best rates and coverage, we encourage you to enter your zip code below.
- The Agency Insurance Company provides all of the standard auto coverages
- The Agency Insurance Company provides coverage in Maryland, Pennsylvania, and Virginia
- The Agency Insurance Company has been rated an A by A.M. Best
By doing so, you can compare rates from top insurance providers in your area and find the perfect car insurance plan that meets your requirements. Don’t miss out on this opportunity to secure the ideal coverage and drive with peace of mind.
The Agency Insurance Company provides car insurance to Maryland, Pennsylvania, and Virginia drivers. Customers can find affordable rates for the standard coverages, and the company has been rated an A by A.M. Best. Knowing more about the Agency Insurance Company will help you determine if the company is a good fit.
Before starting this Agency Insurance Company review, enter your ZIP code to find free car insurance rates in your area.
Agency Insurance Company Insurance Coverage Options
Rather than offering combined plans, auto insurance companies sell coverages individually. This process allows drivers to customize their policies to meet their needs. For this reason, knowing the available insurance options from each company is essential.
The Agency Insurance Company provides the standard auto coverages for personal and commercial vehicles. The following table shows the plans available from the Agency Insurance Company.
Agency Insurance Company Auto Insurance CoveragesAuto Insurance Types | Purpose of Coverage |
---|---|
Bodily injury liability | Pays for medical bills if someone else suffers an injury in an accident caused by you. |
Collision | Covers damage to your car after an accident. |
Comprehensive | Covers damage to your car when you’re not driving. |
Medical payments | Covers medical costs caused by an accident regardless of who is at fault. |
Personal injury protection | Covers medical expenses for you and your passengers after an accident. |
Property damage liability | Liability coverage that covers the cost of any property damage you’ve caused in an accident. |
Uninsured/underinsured motorist | Covers the costs if you’re in an accident caused by a driver with little or no car insurance. |
In addition to the standard coverages, the company also provides towing and labor coverage for personal and commercial policies. Commonly called roadside assistance, towing and labor provides drivers that break down with support like:
- Battery service
- Flat tire repair
- Gas delivery
- Towing
The company also provides rental reimbursement. This type of coverage pays for a rental car when the covered vehicle is unavailable. While towing and rental reimbursement are available for all policies, the company offers others only for commercial vehicles. Some of the commercial-specific add-ons include:
- Garage keepers: Available to drivers who keep a commercial vehicle in a garage when not in use.
- Motor truck cargo: For commercial vehicles that haul freight.
Adding these additional options to policies increases Agency Insurance Company car insurance quotes.
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Agency Insurance Company Insurance Rates Breakdown
Credit rating agencies review and rate insurance companies on their financial strength. Companies with higher ratings are more likely to provide payouts when customers file claims.
The Agency Insurance Company has been rated an A by A.M. Best, the most trusted rating agency. This rating is excellent and indicates that the company will provide a payout under any circumstance when a customer files a claim.
The Better Business Bureau (BBB) also rates companies based on their business practices. For example, the BBB has rated the Agency Insurance Company a B+, indicating the company is usually trustworthy and transparent when dealing with customers.
How can you buy Agency Insurance Company car insurance?
Customers can only purchase auto coverage from the Agency Insurance Company through independent agents. There are currently over 1,500 agents available in Maryland, Pennsylvania, and Virginia, the three states where the company operates.
How can you make Agency Insurance Company payments?
Agency Insurance Company customers can make payments online or by phone. The easiest way to pay is through the online portal on the company website. Customers can use their Agency Insurance Company login to enter the customer portal to schedule payments.
In addition to paying on the company website, customers can also make payments through the mobile app. The app allows customers to complete the same tasks as the website, including:
- Making policy changes
- Scheduling payments
- Viewing ID cards
Customers who prefer to make payments over the phone can reach the Agency Insurance Company phone number at 800-492-5629.
Agency Insurance Company Discounts Available
The best way to save on car insurance is to compare quotes from various companies and combine multiple discounts. Insurance companies provide various discounts that drivers can use to lower insurance costs. Knowing the discounts provided by companies allow you to determine how much you can save. The following table shows the saving opportunities offered by the Agency Insurance Company.
Agency Insurance Company Auto DiscountsAuto Discount | Purpose of Discount |
---|---|
Accident forgiveness | Rates don’t increase after the first at-fault accident. |
Advance quote | Receive a quote before buying a policy. |
Commercial driver’s license | Obtain a commercial driver’s license (CDL). |
Driver improvement program | Complete a driver improvement program. |
Homeowner | Insured owns a single-family home. |
Multi-car | Insure multiple cars with Agency Insurance Company. |
Paid in full | Pay for your entire policy in one payment. |
Three-year claim and violation-free | Remain claim and violation-free for three years. |
While the company displays these discounts on its website, other savings opportunities might be available. When buying coverage, ask a representative about all possible deals to help you save.
AIC Car Insurance Claims Process Excellence
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
Filing a claim with AIC Car Insurance is designed to be a hassle-free experience, offering multiple convenient options for policyholders. Whether you prefer the ease of online submissions, the personalized touch of over-the-phone assistance, or the convenience of mobile apps, AIC has you covered.
Their online platform allows you to submit claims with just a few clicks, while a dedicated claims phone line (1-800-841-5241) is available during business hours for those who prefer speaking with a representative. Additionally, AIC offers local fax (410-684-3271) and email ([email protected]) options for submission. This flexibility ensures that filing a claim aligns with your preferences and schedule.
Average Claim Processing Time
AIC Car Insurance is committed to quick and efficient claim processing. While specific processing times may vary depending on the complexity of the claim, AIC strives to handle claims promptly, providing policyholders with timely resolutions. For more accurate information on claim processing times, it’s recommended to contact AIC directly or refer to their website for the most up-to-date details.
Customer Feedback on Claim Resolutions and Payouts
Customer satisfaction with claim resolutions and payouts is a crucial aspect of any insurance provider. While AIC Car Insurance has earned a solid reputation for competitive rates and coverage options, customer feedback on their claim resolution process varies. Some policyholders have reported positive experiences, citing the company’s commitment to resolving claims fairly and efficiently.
However, it’s essential to keep in mind that individual experiences may differ. To gain a better understanding of AIC’s claim resolution performance, consider researching customer reviews and consulting with current policyholders.
Elevating Insurance Services: AIC Car Insurance Digital Features
Mobile App Features and Functionality
AIC Car Insurance recognizes the importance of technology in enhancing the insurance experience for policyholders. Their mobile app is designed to provide convenient access to policy information, claims filing, and account management. The app offers features such as the ability to view policy details, track claims in real-time, request roadside assistance, and make payments securely.
With a user-friendly interface and a range of functionalities, AIC’s mobile app aims to simplify insurance management and keep policyholders connected on the go.
Online Account Management Capabilities
AIC Car Insurance’s online account management capabilities empower policyholders to take control of their insurance needs. Through their online portal, policyholders can access and update their policy information, view billing statements, and make payments conveniently.
This platform also offers a comprehensive view of claims status and allows policyholders to communicate with AIC’s customer service team digitally. Online account management ensures that policyholders have easy access to essential information and can make changes to their policies as needed.
Digital Tools and Resources
In addition to their mobile app and online account management, AIC Car Insurance provides policyholders with various digital tools and resources. These include educational materials, FAQs, and informative articles to help customers better understand their coverage and navigate the insurance landscape.
AIC’s commitment to leveraging technology ensures that policyholders have access to the resources and information necessary to make informed decisions about their car insurance coverage.
How Agency Insurance Company Ranks Among Providers
This review of the Agency Insurance Company provides a thorough breakdown of its offerings, rates, coverages, claims process, and customer feedback. It’s a comprehensive guide for individuals seeking insights into this particular insurance provider. You’ve highlighted key areas such as:
- Competitive Rates: Comparing rates with other top insurance companies in Maryland.
- Offered Coverages: Detailing the various standard and optional coverages available, both for personal and commercial policies.
- Discounts: Outlining the discounts provided by the Agency Insurance Company, which can help customers save on their premiums.
- Claims Process: Describing the ease of filing a claim, average processing times, and customer feedback on claim resolutions.
- Digital Features: Detailing the mobile app functionalities, online account management, and digital tools available for policyholders.
- Ratings: Highlighting the A.M. Best rating and the Better Business Bureau’s rating for the Agency Insurance Company.
- Complaints: Addressing the number of complaints received by the BBB and the NAIC and guiding readers on how to explore these complaints in detail.
- Purchasing & Payments: Explaining how customers can buy insurance and make payments to the Agency Insurance Company.
- Company Background: Providing a brief history and overview of the Agency Insurance Company.
This review equips potential customers with essential information to make informed decisions about choosing this insurance provider. The incorporation of references ensures credibility and allows readers to delve deeper into specific aspects if they desire more information.
Does the Agency Insurance Company have any complaints?
The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) review complaints made about insurance companies. These reviews allow drivers to determine the quality of service they’ll receive.
At the time of this review, the BBB has received 19 complaints about the Agency Insurance Company during the last three years. Most of these complaints are about the company’s products and billing services.
The NAIC has received 17 complaints about the Agency Insurance Company. The NAIC lists the company’s complaint index ratio as 4.55, indicating that it has far more complaints than a company of a similar size.
While the Agency Insurance Company has more complaints than similarly-sized competitors, reading through individual complaints will help you determine if the number should be a concern.
Frequently Asked Questions
What is AIC Car Insurance?
AIC Car Insurance is a type of car insurance policy provided by the American Insurance Company (AIC), which is a subsidiary of Kemper Corporation. The policy provides coverage for damage to your car, liability for any injuries or damages you may cause to others, and other optional coverage options.
How is AIC Car Insurance rated?
AIC Car Insurance does not have a rating from AM Best, which is a credit rating agency that specializes in the insurance industry. However, the Kemper Corporation, which owns AIC, has an A- (Excellent) rating from AM Best, which is a positive indicator of the company’s financial stability.
What types of coverage does AIC Car Insurance offer?
AIC Car Insurance offers a range of coverage options, including liability coverage, collision coverage, comprehensive coverage, personal injury protection (PIP) coverage, uninsured/underinsured motorist coverage, and optional coverage such as roadside assistance and rental car reimbursement.
How can I get a quote for AIC Car Insurance?
You can get a quote for AIC Car Insurance by visiting the company’s website or by contacting a licensed insurance agent who represents AIC. To get an accurate quote, you’ll need to provide information about your driving record, the type of car you drive, and other relevant details.
Is AIC Car Insurance a good company?
AIC Car Insurance is a subsidiary of Kemper Corporation, which has an A- (Excellent) rating from AM Best. This indicates that the company has a strong financial position and is likely to meet its obligations to policyholders. However, like all insurance companies, the quality of customer service and claims handling can vary depending on individual experiences. It’s a good idea to read reviews and get recommendations from friends and family before choosing a car insurance company.
How can I file a claim with AIC Car Insurance?
You can file a claim with AIC Car Insurance by contacting the company’s customer service department or by using the online claims system. The claims process typically involves providing information about the accident, such as the location and time of the accident, and any relevant details about the damage to your car or injuries sustained.
Does AIC Car Insurance offer discounts?
Yes, AIC Car Insurance offers a range of discounts for policyholders, such as safe driver discounts, good student discounts, and discounts for bundling policies. Contact a licensed insurance agent who represents AIC to learn more about the available discounts and how you can qualify.
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Angie Watts
Licensed Real Estate Agent
Angie Watts is a licensed real estate agent with Florida Executive Realty. Specializing in residential properties since 2015, Angie is a real estate writer who published a book educating homeowners on how to make the most money when they sell their homes. Her goal is to educate and empower both home buyers and sellers so they can have a stress-free shopping and/or selling process. She has studi...
Licensed Real Estate Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
Christopher C.
Agency Insurance Company review
Scamed
Defrauded
user19248
Quality Agency, well educated and helpful
myrubylee
the CLAIMS department is what matters most
Yipihsj
Great company
BrendanTheBoss2424
Good insurance - bad cost
laurennna
GOOD JOB
Alexandra15
Saving money
Faiyaz
My review
Alex567865
Love it