API Insurance Review & Ratings (2023)
This API Insurance Review will cover API Insurance ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. The API Insurance A.M. Best rating is A+, and the API Insurance S&P Rating is BBB+. To compare insurance rates from the best companies in your area, enter your ZIP code below.
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Written by
Chris Tepedino |
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Reviewed by
Laura Walker
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UPDATED: Feb 1, 2023
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API Insurance offers a range of affordable car insurance options to meet the needs of drivers in select states. From a history dating back to the 1920s, the company’s mission is to provide quality coverage at a fair price.
With discounts available for good drivers, multiple policyholders, and more, read on to learn more about API Insurance and what sets it apart from the competition.
API Insurance: An Affordable Car Insurance Solution
- Established in the 1920s with a mission to provide quality coverage at a fair price
- Offers a range of car insurance options to drivers in select states
- Discounts available for good drivers, multiple policyholders, and more
API Insurance has been serving drivers for over 90 years with a mission to provide quality coverage at a fair price. The company offers a range of car insurance options to meet the needs of drivers in select states.
Whether you’re looking for basic liability coverage or more comprehensive coverage options, API Insurance has a policy that’s right for you.
History and Mission of API Insurance
The history of API Insurance dates back to the 1920s when it was established with a mission to provide quality coverage at a fair price. Over the years, the company has maintained its commitment to this mission, offering a range of car insurance options to meet the needs of drivers in select states.
If you’re looking for basic liability coverage or more comprehensive options, API Insurance has a policy that’s right for you.
API Insurance has a long history of serving drivers and helping them protect their vehicles. The company’s mission has always been to provide quality coverage at a fair price, and this has been evident in the policies and services it offers.
With a range of coverage options and discounts available, API Insurance makes it easy for drivers to find the coverage they need at a price they can afford. Whether you’re a new driver or an experienced one, API Insurance has the coverage you need to protect yourself and your vehicle on the road.
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Coverage Options Available at API Insurance
API Insurance offers a range of car insurance options to meet the needs of drivers in select states. Some of the main products and services offered by the company include:
- Liability coverage: This type of coverage provides financial protection in the event you’re found to be at fault in an accident. Liability coverage typically includes coverage for property damage and bodily injury.
- Collision coverage: This type of coverage provides financial protection in the event you’re involved in a collision with another vehicle or object. Collision coverage can help pay for repairs to your vehicle or the replacement of your vehicle if it’s deemed a total loss.
- Comprehensive coverage: This type of coverage provides financial protection for damage to your vehicle that is not the result of a collision. This can include damage from theft, fire, natural disasters, and more.
- Uninsured/underinsured motorist coverage: This type of coverage provides financial protection in the event you’re involved in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover the damages.
- Personal injury protection: This type of coverage provides financial protection for medical expenses and lost wages if you’re injured in an accident.
The cost of API Insurance’s services will vary based on a number of factors, including your driving history, the type of coverage you choose, and where you live. To get an accurate quote, be sure to speak with an API Insurance agent.
API Insurance currently offers its car insurance products and services in select states. The exact states where API Insurance operates may vary, so it’s best to check with the company directly to see if it offers coverage in your area.
To find out if API Insurance is available in your state, you can visit the company’s website or contact one of its agents directly. They will be able to provide you with more information on the coverage options available to you, as well as help you find the policy that’s right for your needs and budget.
Cost of Insurance at API
The cost of insurance from API Insurance will vary based on a number of factors, including the type of coverage you choose, your driving history, and where you live. Some of the factors that can impact the cost of your insurance premium include:
- Driving record: If you have a history of accidents or traffic violations, your insurance premium may be higher.
- Type of vehicle: The make, model, and age of your vehicle can impact your insurance premium. Generally, newer and more expensive vehicles will have higher insurance premiums.
- Coverage level: The amount of coverage you choose will also impact the cost of your insurance premium. The more coverage you choose, the higher your premium will be.
- Location: Your zip code can also impact the cost of your insurance premium. For example, drivers in densely populated areas may pay higher premiums because there’s a higher risk of accidents.
It’s important to remember that these are just some of the factors that can impact the cost of your insurance premium. To get an accurate quote, it’s best to speak with an API Insurance agent. They will be able to review your specific circumstances and help you find the coverage that’s right for your needs and budget.
Available Discounts at API Insurance
API Insurance offers a range of discounts to help drivers save on their car insurance premiums. Some of the discounts that may be available to you include:
- Multi-policy discount: If you have multiple insurance policies with API Insurance, such as home and car insurance, you may be eligible for a discount on your premium.
- Safe driver discount: If you have a clean driving record and a history of safe driving, you may be eligible for a discount on your premium.
- Good student discount: If you’re a full-time student with good grades, you may be eligible for a discount on your premium.
- Defensive driving discount: If you complete a defensive driving course, you may be eligible for a discount on your premium.
- Loyalty discount: If you’ve been a customer of API Insurance for a certain period of time, you may be eligible for a discount on your premium.
These are just some of the discounts that may be available to you. To find out if you’re eligible for any of these discounts, or to see if there are any other discounts available to you, it’s best to speak with an API Insurance agent.
To qualify for these discounts, you’ll need to meet certain criteria, such as maintaining a clean driving record or owning a home. To learn more about the discounts available to you, be sure to speak with an API Insurance agent.
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Customer Reviews of API Insurance
API Insurance has received a mix of reviews from its customers. Some customers praise the company for its competitive pricing and responsive customer service, while others have criticized the company for its claims process and limited coverage options.
Strengths reported by customers include:
- Affordable rates: Many customers report that API Insurance offers competitive rates compared to other insurance companies.
- Convenient customer service: Some customers praise the company for its easy-to-use website and helpful customer service team.
Weaknesses reported by customers include:
- Limited coverage options: Some customers report that API Insurance’s coverage options are limited compared to other insurance companies.
- Complicated claims process: Some customers have criticized the company for its slow and complicated claims process, which they say can be difficult to navigate.
It’s important to keep in mind that these reviews represent the experiences of only a few customers and may not be representative of the experience of all customers. To get a better understanding of what it’s like to work with API Insurance, it’s best to speak with a company representative or compare quotes from multiple insurance companies.
Roundup: API Insurance
Overall, API Insurance is a solid choice for drivers looking for affordable car insurance options. With a history dating back to the 1920s, the company offers a range of coverage options to meet the needs of drivers in select states. To learn more about API Insurance and to compare quotes, be sure to get in touch with a local agent today.