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Intro
American Family Insurance has been providing auto insurance and other types of insurance to families around the United States for more than 90 years. It is still going strong today, with agents and representatives around the country. It offers a full suite of car insurance products, from liability, collision, and comprehensive through to special programs designed to reward good driving behaviour.
Pros and Cons
American Family offers a full suite of car insurance policies, meaning you can start off with the types of coverage that are compulsory in your state and add other types of insurance later on. It serves the entire U.S., with agents and representatives in all 50 states and DC to help advise you on the most suitable policies for your needs. And its commitment to its customers remains just as strong today as it was when it was founded, with great online tools and resources and even a useful mobile app.
This service is good for people who are comfortable applying for things online but perhaps less suited to people looking to compare quotes in a hurry. You can get a quote on the American Family website or by speaking to one of its agents, but it will require 3-5 minutes of your time and you’ll need to provide a few personal details – including phone number and email address.
Types of Auto Insurance
American Family offers the following car insurance policies:
Collision coverage. Covers expenses for vehicle damage or destruction, no matter who was at fault.
Comprehensive coverage. Covers expenses for damages caused by accidents not related to other vehicles, such as theft, vandalism, fire, flooding, hail, and collisions with animals.
Property damage liability. Covers expenses for damaging someone else’s property – such as their vehicle or their lawn.
Bodily injury liability. Covers expenses for injuring someone else in an accident and protects you if you’re sued for damages.
Medical expense. Covers medical care for you and your passengers if you’re involved in a car accident, regardless of who was at fault.
Personal injury protection. Covers expenses related to injuries you or your passengers suffer as a result of an accident, such as medical costs, loss of income, or childcare.
Gap coverage. Covers the difference between the money you owe on your car and what the car is worth after an accident, which can be great help if you have a total loss.
Uninsured & underinsured motorist coverage. Covers your expenses if the other driver isn’t insured or causes more damage than their own insurance covers.
Rental reimbursement coverage.Pays for a rental vehicle while your car is being repaired.
Emergency roadside service. Gets you back on the road if you’re stuck with a flat tire or dead battery.
Accidental death and dismemberment. Covers expenses related to death or serious injuries caused when a vehicle is involved in an accident, regardless of who was at fault.
In addition, it offers the following specialty policies and add-ons:
Teen Safe Driver Program. A free add-on that equips teenagers with TrueMotion-powered app that reduces distractions and other risky behaviours prevalent among young drivers. The app scores each ride, gives tips on where the teen driver can improve, and lets them complete fun challenges to achieve higher scores. Parents get a 10% discount on their car insurance when their teen completes 3,000 miles or one year in the Teen Safe Driver program.
KnowYourDrive. Optional add-on whereby the policyholder installs a device in their car that tracks their driving habits. In return, American Family rewards the policyholder with an introductory 5% discount on their car insurance and discounts of up to 40% for continued usage.
MyAmFam mobile app. Has numerous features including the ability to call for immediate roadside assistance, see real-time payment status, and download contracts and documents.
How to Apply
There are two ways to get a quote and begin your application for car insurance: you can speak to an American Family agent in your area or request a quote online. To get an online quote, start off by filling in your zip code and the type of insurance you wish to purchase (e.g. car insurance). Next, fill in a few personal details such as name, date of birth, and home address. Then give details about your vehicle, including year, series, model, make, and the approximate number of miles you drive each year. Finally, give details about your current insurance provider if you have one. Once you’ve done that, you’ll be shown “basic”, “enhanced”, and “premium” quotes. Choose one to purchase car insurance. If at any stage you need assistance, you can call customer service using the “auto quote number” shown at the top-right of your screen.
Filing a Claim
It’s never fun to file a claim, but the possibility of getting in an accident is good enough reason for purchasing auto insurance. American Family offers several convenient ways to file a claim:
  • Call toll-free number 1-800-MY AMFAM (1-800-692-6326).
  • Contact your American Family agent.
  • Report your claim through your American Family online account.
Contact American Family
American Family has agents and representatives in all 50 states and the District of Columbia who can help you purchase coverage. To contact company headquarters or ask to speak to an agent or a member of staff, it offers the following channels:
  • Phone: 1-800-692-6326 (24/7 toll-free number)
  • Mail: 6000 American Parkway, Madison, WI 53783
  • Live Chat: Available 8 a.m. to 8 p.m. Central time (or 9-9 Eastern Time / 6-6 Pacific Time).
  • Website: Call the car insurance department or find an agent in your part of the U.S. through the American Family website.
Summary
American Family provides a full suite of car insurance policies from one of America’s largest and most trusted insurance companies. It has been serving American families for almost a century but has embraced modernity, allowing customers to purchase insurance and file claims quickly and easily through its online platform. American Family is a good choice for customers who value reputation above all other things.