Introduction
American Modern Auto Insurance, a subsidiary of the American Modern Insurance Group, specializes in providing a range of insurance products tailored to meet diverse customer needs. Known for its flexible coverage options and commitment to customer service, American Modern Auto Insurance offers unique policies that cater to both standard and specialty vehicles. This comprehensive overview will explore the company’s offerings, key features, benefits, and tips for choosing the right policy.
Company Background
American Modern Insurance Group, established in 1965, has built a reputation for providing niche insurance products, including coverage for manufactured homes, motorcycles, watercraft, and collector vehicles. Their auto insurance division extends this expertise to the auto insurance market, offering customizable policies designed to address specific customer needs.
Key Features of American Modern Auto Insurance
Flexible Coverage Options
American Modern Auto Insurance provides a variety of coverage options to suit different types of vehicles and customer preferences. These include:
- Liability Coverage: Protects against bodily injury and property damage that you may cause to others in an accident.
- Collision Coverage: Pays for damage to your vehicle resulting from a collision with another vehicle or object.
- Comprehensive Coverage: Covers non-collision-related incidents such as theft, vandalism, natural disasters, and animal collisions.
- Uninsured/Underinsured Motorist Coverage: Protects you if you’re involved in an accident with a driver who lacks sufficient insurance.
- Medical Payments Coverage: Helps cover medical expenses for you and your passengers, regardless of who is at fault.
Specialty Vehicle Insurance
One of the standout features of American Modern Auto Insurance is its focus on specialty vehicles. They offer coverage for:
- Classic and Collector Cars: Policies designed specifically for vintage and collectible vehicles, often including agreed value coverage, which ensures that the policyholder receives the agreed-upon value of the vehicle in the event of a total loss.
- Recreational Vehicles (RVs): Comprehensive coverage options for RV owners, including protection for personal belongings and specialized equipment.
- Motorcycles and ATVs: Tailored policies for motorcycles, scooters, and all-terrain vehicles, including coverage for custom parts and accessories.
Customizable Policies
American Modern Auto Insurance allows customers to customize their policies to fit their unique needs. This flexibility includes choosing coverage limits, deductibles, and additional coverage options such as roadside assistance, rental reimbursement, and gap insurance.
Customer Service and Claims Handling
The company prides itself on its customer service and efficient claims handling process. Policyholders can file claims online or over the phone, and the company offers a network of preferred repair shops to streamline the repair process. Their commitment to customer satisfaction is evident in their personalized service and support throughout the claims process.
Discounts and Savings Opportunities
American Modern Auto Insurance provides various discounts to help policyholders save on premiums. These may include:
- Multi-Policy Discount: For customers who bundle auto insurance with other policies such as home or motorcycle insurance.
- Safe Driver Discount: For drivers with a clean driving record.
- Multi-Vehicle Discount: For insuring multiple vehicles on the same policy.
- Anti-Theft Device Discount: For vehicles equipped with anti-theft devices.
Benefits of Choosing American Modern Auto Insurance
Comprehensive Coverage for Specialty Vehicles
American Modern Auto Insurance stands out for its comprehensive coverage options for specialty vehicles. Whether you own a classic car, RV, or motorcycle, you can find a policy tailored to your needs, ensuring that your valuable assets are adequately protected.
Customizable Policies
The ability to customize policies allows customers to build coverage that fits their specific needs and budget. This flexibility ensures that you only pay for the coverage you need without sacrificing essential protections.
Strong Customer Service
American Modern Auto Insurance’s commitment to customer service means that policyholders receive personalized support and guidance. The efficient claims handling process and network of preferred repair shops further enhance the customer experience.
Competitive Discounts
The availability of multiple discounts makes it easier for policyholders to save on premiums. By taking advantage of these discounts, customers can enjoy high-quality coverage at an affordable price.
How to Choose the Right Policy
Selecting the right auto insurance policy involves evaluating your needs and comparing options. Here are some tips to help you choose the best policy with American Modern Auto Insurance:
- Assess Your Coverage Needs: Consider the type of vehicle you own, how often you drive, and your financial situation. For specialty vehicles, ensure that the policy includes the specific coverage options required for adequate protection.
- Compare Coverage Options: Look at the different types of coverage offered and determine which ones are essential for your situation. For example, if you own a classic car, agreed value coverage might be important.
- Evaluate Discounts: Check the available discounts and see which ones you qualify for. Bundling policies, maintaining a clean driving record, and installing anti-theft devices are common ways to reduce premiums.
- Read Reviews and Ratings: Research customer reviews and ratings for American Modern Auto Insurance to understand their reputation for customer service and claims handling. This can provide valuable insight into what you can expect as a policyholder.
- Get Quotes: Obtain quotes from American Modern Auto Insurance and compare them with other insurers. Make sure to compare similar coverage levels and deductibles to get an accurate comparison.
Conclusion
American Modern Auto Insurance offers a range of flexible and customizable policies designed to meet the unique needs of its customers, particularly those with specialty vehicles. With its focus on comprehensive coverage, strong customer service, and competitive discounts, American Modern Auto Insurance is a solid choice for those looking to protect their vehicles. By understanding your coverage needs and taking advantage of the available options, you can navigate the roads with confidence, knowing you have the right protection in place.
Call to Action
If you’re considering a new auto insurance policy or looking to switch providers, explore what American Modern Auto Insurance has to offer. Visit their website to get a quote, learn more about their coverage options, and find out how they can help protect your vehicle and provide peace of mind on the road.