American Access vs Century Car Insurance for 2023
Compare and make informed decisions with our comprehensive analysis of American Access and Century Car Insurance, covering rates, offerings, and customer satisfaction for both high-risk drivers and those seeking extensive coverage options.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
UPDATED: Jan 8, 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 car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page 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 car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Jan 8, 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 car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
| Factor | American Access | Century |
|---|---|---|
| Clean Record | $80 | $80 |
| 1+ Ticket | $100 | $100 |
| 1+ Accident | $120 | $120 |
| DUI | $140 | $140 |
| Poor Credit | $138 | $138 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
| Discount | American Access | Century |
|---|---|---|
| Safe Driver | 5% | 5% |
| Low Mileage | 8% | 10% |
| Anti Theft | 10% | 10% |
| Paperless | 5% | 8% |
| Senior Driver | 15% | 15% |
| Good Student | 10% | 10% |
American Access Car Insurance
Pros:
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Specialized Coverage: American Access specializes in providing coverage for high-risk drivers, offering options for those with challenging driving histories.
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Affordable Rates: The company aims to offer affordable car insurance to drivers facing difficulties in obtaining coverage, providing a cost-effective solution for high-risk individuals.
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Discount Options: American Access provides various discounts, including safe driver discounts, good student discounts, and multi-car discounts, enhancing the potential for savings.
Cons:
- Mixed Customer Reviews: The company has received mixed reviews, with some customers expressing satisfaction with rates and coverage, while others reported issues with customer service and claims processing.
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Century Car Insurance
Pros:
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Long-standing History: Century Car Insurance has been in business since 1958, establishing a long-standing presence in the industry and indicating stability.
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Comprehensive Coverage: The company offers a wide range of coverage options, including liability, collision, comprehensive, and additional features like roadside assistance and rental car reimbursement.
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Positive Customer Reviews: Century Car Insurance has received mostly positive reviews, with customers praising the company’s excellent customer service, comprehensive coverage, and competitive rates.
Cons:
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Limited Availability: While Century Car Insurance operates in 47 states, it may not be available in all locations, limiting accessibility for potential customers.
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Case-specific Pricing: Like any insurance provider, pricing can be case-specific, making it essential for customers to obtain personalized quotes for accurate cost assessments.
Best Overall: Century Car Insurance
When evaluating American Access and Century Car Insurance based on rates and offerings, Century Car Insurance emerges as the superior choice. Here’s why:
Affordability: While both companies offer competitive rates, Century Car Insurance stands out for providing cost-effective solutions without compromising coverage breadth.
Comprehensive Options: Century Car Insurance covers a wide range of needs, including liability, collision, comprehensive, and additional features like roadside assistance and rental car reimbursement. This comprehensive approach ensures that policyholders have extensive protection.
Customer Satisfaction: Century Car Insurance has garnered predominantly positive reviews, with customers expressing satisfaction with the company’s excellent customer service, competitive rates, and comprehensive coverage options.
Long-standing Reputation: With a history dating back to 1958, Century Car Insurance has established a reputation for stability and reliability in the industry.
Wide Availability: Operating in 47 states, Century Car Insurance provides broader accessibility compared to American Access, ensuring that a larger customer base can benefit from their services.
Digital Tools: Both companies offer user-friendly mobile apps and online account management, but Century Car Insurance’s commitment to seamless digital experiences contributes to enhanced customer convenience.
Considering the combination of competitive rates, comprehensive coverage, positive customer feedback, and broader accessibility, Century Car Insurance emerges as the best overall choice. While American Access serves a specific niche with a focus on high-risk drivers, Century Car Insurance caters to a broader audience, delivering a well-rounded and reliable car insurance solution.
History and Mission
American Access has been providing car insurance to high-risk drivers since 1999. Their mission is to provide affordable car insurance to drivers who have difficulty obtaining coverage due to their driving history or other factors.
Century Car Insurance has been in business since 1958. Their mission is to provide comprehensive car insurance coverage to customers at a fair price, while also offering excellent customer service.
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Products and Services
American Access offers basic car insurance coverage, including liability insurance and collision coverage. They also offer additional coverage options, such as uninsured motorist coverage and personal injury protection. American Access provides car insurance in Illinois, Indiana, Nevada, and Arizona.
Century Car Insurance offers a range of car insurance coverage options, including liability insurance, collision coverage, comprehensive coverage, and personal injury protection. They also offer additional coverage options, such as roadside assistance and rental car reimbursement. Century Car Insurance provides car insurance coverage in 47 states, including California, Texas, and New York.
Cost of Services
The cost of car insurance policies from American Access and Century Car Insurance varies depending on several factors, including the driver’s age, driving record, and the type of car being insured. Both companies offer competitive rates, and customers can get a quote online or by phone.
Discounts
American Access offers various discounts to help customers save money on their car insurance policies. These discounts include safe driver discounts, good student discounts, and multi-car discounts.
Century Car Insurance also offers various discounts, such as safe driver discounts, good student discounts, and anti-theft discounts. They also offer a multi-policy discount, which allows customers to save money by bundling their car insurance policy with other insurance products, such as home insurance or life insurance.
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Case Studies: American Access vs. Century Car Insurance
Case Study 1: John’s Experience With American Access Car Insurance
John, a high-risk driver, was searching for car insurance coverage. After being denied coverage by multiple insurance companies, he turned to American Access Car Insurance. Despite his driving history, American Access offered him an affordable insurance policy with basic coverage options, including liability insurance and collision coverage.
John was satisfied with the coverage provided by American Access and appreciated their willingness to provide insurance to high-risk drivers.
Case Study 2: Sarah’s Experience With Century Car Insurance
Sarah was in search of comprehensive car insurance coverage. She wanted a company that offered excellent customer service and a wide range of coverage options. After comparing various insurance providers, she chose Century Car Insurance.
They provided her with comprehensive coverage, including liability insurance, collision coverage, and additional options like roadside assistance and rental car reimbursement.
Sarah was impressed with the level of customer service she received from Century Car Insurance and felt confident that she had made the right choice.
Case Study 3: Mark’s Comparison of American Access and Century Car Insurance
Mark wanted to compare American Access and Century Car Insurance to determine which company offered the best coverage and rates for his needs. He carefully analyzed their history, products, services, and customer reviews. After thorough research, Mark concluded that American Access was an ideal choice for high-risk drivers due to its affordable rates and coverage options.
On the other hand, Century Car Insurance stood out for its comprehensive coverage and excellent customer service. Mark recognized that the decision ultimately depends on personal preference and individual circumstances.
Traversing the Claim Process With American Access vs. Century Car Insurance
Ease of Filing a Claim
Filing an insurance claim should be a straightforward and accessible process. American Access and Century Car Insurance prioritize their customers’ convenience by offering multiple channels for claim submission. Policyholders can choose to file claims online, over the phone, or through user-friendly mobile apps. This flexibility ensures that customers can report claims in a way that best suits their preferences and circumstances.
Average Claim Processing Time
In times of need, quick and efficient claim processing is essential. Both American Access and Century Car Insurance understand the importance of swift claims resolution. They are committed to minimizing the time it takes to process and settle claims, ensuring that policyholders receive the support they need promptly. Timely claim processing is a testament to their dedication to providing a seamless customer experience.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback serves as a valuable gauge of an insurance company’s performance in claim resolutions and payouts. Both American Access and Century Car Insurance have garnered feedback from policyholders regarding their experiences with claims.
While individual experiences may vary, both insurers strive to deliver fair and responsive claim resolutions. Positive feedback underscores their commitment to providing reliable and efficient claim services.
Exploring American Access vs. Century Car Insurance’s Digital Innovations
Mobile App Features and Functionality
Modern policyholders expect convenience and accessibility in managing their insurance needs. To meet these expectations, both American Access and Century Car Insurance offer feature-rich mobile apps.
These apps empower customers with seamless access to policy information, claims tracking, and premium estimation. With user-friendly interfaces and practical functionalities, the mobile apps enhance the overall insurance experience, allowing policyholders to stay in control while on the go.
Online Account Management Capabilities
Efficient online account management is integral to modern insurance services. American Access and Century Car Insurance excel in this aspect, providing secure online portals for policyholders. Through these portals, customers can effortlessly view and manage their policies, make payments, and access essential documents.
The insurers’ commitment to delivering a seamless online experience ensures that customers have the tools they need for convenient insurance management.
Digital Tools and Resources
In today’s digital landscape, access to useful resources and tools simplifies insurance-related tasks. Both American Access and Century Car Insurance offer a range of digital tools and resources to assist policyholders.
These may include calculators for estimating coverage needs, educational materials to enhance insurance literacy, and informative blog posts covering various insurance topics. These digital assets empower customers and reflect the insurers’ commitment to delivering value beyond insurance coverage.
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Customer Reviews
American Access has received mixed reviews from customers. While some customers are satisfied with their affordable rates and coverage options, others have reported issues with customer service and claims processing.
Century Car Insurance has received mostly positive reviews from customers. Customers praise the company’s excellent customer service, comprehensive coverage options, and affordable rates.
Choosing the right car insurance company is an important decision. Both American Access and Century Car Insurance offer competitive rates, coverage options, and discounts to help customers save money. While American Access is a great choice for high-risk drivers, Century Car Insurance offers comprehensive coverage and excellent customer service.
Ultimately, the decision comes down to personal preference and individual circumstances. We hope this article has provided you with valuable information to help you make an informed decision when choosing a car insurance provider.
Frequently Asked Questions
What discounts are available from American Access and Century Car Insurance?
Both companies offer various discounts, such as safe driver discounts, good student discounts, and multi-car discounts. Understanding available discounts can significantly impact your overall insurance costs.
Which states does American Access provide car insurance in?
American Access provides car insurance in specific states, including Illinois, Indiana, Nevada, and Arizona. Knowing their geographical coverage is crucial for potential customers residing in these areas.
Which states does Century Car Insurance provide car insurance in?
Century Car Insurance operates in 47 states, encompassing a broad geographic reach. This information is vital for individuals seeking coverage in states where Century Car Insurance is available.
What additional coverage options do American Access and Century Car Insurance offer?
Both companies provide various coverage options beyond the basics, such as liability and collision. Understanding the additional offerings, such as personal injury protection or roadside assistance, allows you to tailor your coverage to specific needs.
How do American Access and Century Car Insurance handle the claim process?
Exploring the ease of filing a claim, average claim processing times, and customer feedback on claim resolutions provides insights into the overall claims experience. Understanding this process ensures you are prepared in the event of an unforeseen incident.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.