AIC Car Insurance Review & Ratings (2023)
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.
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Laura Walker
Former Licensed Agent
Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...
Former Licensed Agent
UPDATED: May 24, 2023
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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.
Does the Agency Insurance Company have competitive rates?
For many drivers, the cost of auto insurance is the primary factor when choosing an insurance provider. Companies use various factors when determining rates for drivers, including:
- Age
- Gender
- Location
- Driving record
The best way to determine if a company is affordable is to compare it with the best insurance companies. The following chart shows the average annual Agency Insurance Company car insurance rates for a full coverage policy with other companies in Maryland.
Agency Insurance Company Average Annual Full Coverage Rates vs. Other Companies in Maryland
| Company | Average Annual Full Coverage Rates |
|---|---|
| Agency Insurance Company | $1,772 |
| Allstate | $1,778 |
| Erie | $1,881 |
| Geico | $1,627 |
| MetLife | $2,432 |
| Nationwide | $1,232 |
| Progressive | $1,696 |
| State Farm | $2,007 |
| USAA | $1,574 |
As you can see, you can find affordable Agency Insurance Company car insurance compared with the top companies in Maryland. While the company is more expensive than Geico, Nationwide, Progressive, and USAA, it’s cheaper than Allstate, Erie, MetLife, and State Farm.
While the average rates will help you decide whether a company is competitive, prices differ from driver to driver. Therefore, you’ll have to get a quote from various companies to determine the cheapest one for your specific circumstances.
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What coverages are offered by the Agency Insurance Company?
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 Coverages
| Auto 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.
What discounts are available from the Agency Insurance Company?
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 Discounts
| Auto 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.
How is the Agency Insurance Company rated?
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.
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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.
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 file Agency Insurance Company claims?
The Agency Insurance Company allows customers to file claims by phone, fax, or email. To file a claim by phone, customers can call the Agency Insurance Company claims phone number at 1-800-841-5241.
When filing a claim over the phone, you can reach an AIC customer service representative during business hours. The representative will guide you to ensure that the company has all the necessary information. The company’s business hours are:
- Monday to Friday between 8:30 a.m. and 6:00 p.m.
While filing by phone is usually the quickest and most convenient option, customers can also file by fax and email. The company’s fax number is 410-684-3271, and faxes are only available for local claims. The company’s claims email address is [email protected]
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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.
Who is the Agency Insurance Company?
The Agency Insurance Company began in 1989 to provide affordable car insurance for Maryland’s local drivers and business owners. Headquartered in Hanover, MD, the company has since moved into Pennsylvania and Virginia.
Agency Insurance Company: The Bottom Line
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.
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.
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