American Family vs Auto Club Car Insurance for 2023
Explore the comprehensive comparison between American Family and Auto Club Car Insurance, uncovering their strengths, coverage areas, customer feedback, and more to assist you in making an informed decision for your car insurance needs.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Nov 23, 2023
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: Nov 23, 2023
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.
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Discovering the best car insurance company often hinges on multiple factors, from credit score and mileage to coverage level and driving record. Our comprehensive comparison of American Family and Auto Club Car Insurance reveals compelling insights: Auto Club emerges as the preferred choice for rates across diverse customer profiles. With a broader coverage area spanning 23 states, Auto Club boasts competitive rates, lauded customer service, and an array of discounts, making it a standout choice. Explore how these factors influence insurance rates, guiding you towards an informed decision that aligns with your specific needs and preferences.
| Factors | American Family | Auto Club |
|---|---|---|
| Clean Record | $117 | $85 |
| 1+ Ticket | $136 | $110 |
| 1+ Accident | $176 | $125 |
| DUI | $194 | $140 |
| Poor Credit | $201 | $146 |
| Discounts | American Family | Auto Club |
|---|---|---|
| Anti Theft | 15% | 5% |
| Good Student | 20% | 10% |
| Low Mileage | 10% | 10% |
| Paperless | 5% | 7% |
| Safe Driver | 45% | 15% |
| Senior Driver | 10% | 10% |
American Family Car Insurance
Pros:
- Long-standing company with a history dating back to 1927
- Wide range of insurance products including auto, home, life, business, and farm/ranch insurance
- Offers various discounts such as safe driver, multi-policy, and good student discounts
- Positive customer reviews highlighting good customer service and competitive rates
- Digital resources available, including a mobile app for policy management and claims submission
Cons:
- Mixed customer reviews on claims handling and filing processes
- Limited coverage area with operations in 19 states
- Some customers reported difficulties with the claims process
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Auto Club Car Insurance
Pros:
- Part of the American Automobile Association (AAA) with a well-established reputation
- Offers a range of insurance products including auto, home, renters, and life insurance
- Various discounts available including safe driver, multi-car, and good student discounts
- Positive customer feedback on good customer service and fast claims handling
- Provides roadside assistance as part of its auto insurance policies
Cons:
- Limited coverage area with operations in 23 states
- Some mixed customer reviews on claims handling and filing processes
- Limited information on the digital resources and mobile app functionality
Best Car Insurance Company: Auto Club
When evaluating American Family and Auto Club Car Insurance, Auto Club emerges as the top choice based on a comprehensive assessment of their rates and offerings. Here’s why Auto Club stands out:
Wide Coverage Area: Auto Club operates in 23 states, giving it a broader reach compared to American Family, which operates in 19 states. This broader coverage area means more customers have access to Auto Club’s services.
Customer Satisfaction: Auto Club has generally positive customer reviews, with customers praising their good customer service and fast claims handling. This indicates a higher level of customer satisfaction and reliability.
Discounts and Competitive Rates: Auto Club offers various discounts, including good driver discounts, multi-car discounts, and discounts for students with good grades. These discounts help customers save money and make Auto Club a competitive option.
Roadside Assistance: Auto Club includes roadside assistance as part of its auto insurance policies, providing added value to its customers.
While American Family has its strengths, Auto Club’s wider coverage, positive customer feedback, and competitive rates make it the preferred choice for car insurance when considering all factors.
American Family Car Insurance
American Family was founded in 1927 by Herman Wittwer, a struggling insurance salesman in Madison, Wisconsin. It has grown to become one of the largest mutual insurance companies in the United States. The company’s mission is to inspire, protect, and restore dreams through its insurance products and services.
Operating in 19 states across the country, American Family offers a wide range of insurance products, including auto, home, life, business, and farm/ranch insurance.
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Auto Club Car Insurance
Auto Club is part of the American Automobile Association (AAA), which was founded in 1902 and is a federation of motor clubs throughout North America. The company provides a wide range of products and services to its members, including roadside assistance, travel planning, insurance, and more.
Auto Club’s mission is to provide peace of mind and exceptional value to its members through its products and services. With operations in 23 states across the country, Auto Club offers various insurance products, including auto, home, renters, and life insurance.
Products and Services
American Family: American Family offers a wide range of insurance products, including auto, home, life, business, and farm/ranch insurance. Its auto insurance coverage includes liability, collision, comprehensive, uninsured/underinsured motorist, and personal injury protection. The company also offers optional coverages such as roadside assistance, rental reimbursement, and accident forgiveness. American Family operates in 19 states across the country.
Auto Club: Auto Club offers a range of insurance products, including auto, home, renters, and life insurance. Its auto insurance coverage includes liability, collision, comprehensive, uninsured/underinsured motorist, and personal injury protection. The company also offers optional coverages such as roadside assistance, rental reimbursement, and accident forgiveness. Auto Club operates in 23 states across the country.
Cost and Discounts
American Family: The cost of American Family car insurance varies depending on a number of factors, including your driving record, the type of car you drive, and where you live. American Family offers a variety of discounts, including safe driver discounts, multi-policy discounts, and good student discounts. You can also save money by choosing a higher deductible or by paying your premium in full upfront.
Auto Club: The cost of Auto Club car insurance also varies depending on a number of factors. Auto Club offers a variety of discounts, including safe driver discounts, multi-car discounts, and good student discounts. You can also save money by choosing a higher deductible or by paying your premium in full upfront.
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Case Studies: American Family vs Auto Club Car Insurance
Case Study 1: John’s Experience With American Family Car Insurance
John, a resident of Arizona, recently purchased car insurance from American Family. He was attracted to the company’s reputation for excellent customer service and competitive rates. John had a clean driving record and qualified for a safe driver discount, which helped him save on his premium.
He also opted for additional coverages like roadside assistance and rental reimbursement. Overall, John was satisfied with his experience with American Family and felt confident in his choice of insurance provider.
Case Study 2: Sarah’s Experience With Auto Club Car Insurance
Sarah, a resident of Oregon, decided to switch her car insurance to Auto Club after researching different options. She was impressed by the company’s extensive range of products and services, including roadside assistance. Sarah also received a multi-car discount since she insured multiple vehicles with Auto Club.
She found the claims process to be straightforward and appreciated the fast claims handling. Sarah was pleased with the competitive rates and the overall value she received from Auto Club.
Case Study 3: Mark’s Comparison of American Family and Auto Club Car Insurance
Mark, a resident of Colorado, carefully compared American Family and Auto Club car insurance before making a decision. He gathered quotes from both companies and evaluated the coverage options and discounts offered. Ultimately, Mark chose American Family due to its lower premium and the availability of specific coverages that suited his needs.
However, he acknowledged that Auto Club had positive customer reviews and praised their customer service. Mark’s comparison highlighted the importance of researching multiple providers to find the best coverage and value.
Seamless Claims Process With American Family vs. Auto Club
Ease of Filing a Claim
Both American Family and Auto Club car insurance offer convenient ways to file a claim. You can file a claim with both providers either online or over the phone. Additionally, they may provide mobile apps for claim submission, making the process even more accessible.
Average Claim Processing Time
The average claim processing time is a crucial factor for policyholders. While the specific processing time can vary depending on the nature of the claim and other factors, both American Family and Auto Club aim to provide efficient claim processing. It’s advisable to inquire about the typical processing times for your specific claim type when obtaining a policy.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback on claim resolutions and payouts is an essential aspect to consider when choosing an insurance provider. American Family and Auto Club have received mixed reviews from customers regarding their claims handling processes.
Some customers praise their service, while others express concerns about the ease of filing claims and the overall experience. Before making a decision, it’s recommended to read customer reviews and conduct thorough research to gauge their performance in this regard.
Unveiling Digital and Technological Features of American Family vs. Auto Club
Mobile App Features and Functionality
Both American Family and Auto Club car insurance providers offer mobile apps to enhance their customers’ experience. These apps typically provide features such as policy management, digital ID cards, claims submission, and even roadside assistance requests. It’s important to review the specific features and functionality of each company’s mobile app to determine which aligns better with your needs.
Online Account Management Capabilities
Managing your car insurance policy online is a convenience that many policyholders value. American Family and Auto Club offer online account management capabilities, allowing you to access policy information, make payments, and update your coverage preferences online. Be sure to explore these features to ensure they meet your expectations for ease of use and functionality.
Digital Tools and Resources
In addition to mobile apps and online account management, both providers may offer various digital tools and resources to assist customers. These can include tools for estimating premiums, educational resources about car insurance, and assistance in understanding coverage options. Take advantage of these digital resources to make informed decisions about your car insurance coverage.
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Customer Reviews
When it comes to choosing an insurance company, customer reviews are often an important consideration. So, what do customers have to say about American Family vs Auto Club Car Insurance?
American Family has received mixed reviews from customers, with some praising the company for its good customer service and reasonable rates, while others have criticized the company for its claims handling process and the difficulty of filing claims.
On the other hand, Auto Club Car Insurance has received generally positive reviews from customers, with many citing the company’s good customer service, fast claims handling, and competitive rates as reasons for their satisfaction.
Overall, both American Family and Auto Club Car Insurance have their strengths and weaknesses when it comes to customer reviews. As always, it’s important to do your own research and read reviews from multiple sources before making a decision.
Frequently Asked Questions
What states does American Family offer car insurance in?
American Family offers car insurance in 19 states, including Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, North Dakota, Ohio, Oregon, South Dakota, Utah, Washington, and Wisconsin.
What types of discounts does Auto Club Car Insurance offer?
Auto Club Car Insurance offers a variety of discounts to help customers save money on their car insurance premiums. Some of the discounts available include good driver discounts, multi-car discounts, and discounts for students with good grades.
What is the claims process like with American Family?
To file a claim with American Family, customers can either call the company’s 24/7 claims center or file a claim online. Once a claim has been filed, an American Family claims representative will contact the customer to discuss the details of the claim and help guide them through the claims process.
Does Auto Club Car Insurance offer roadside assistance?
Yes, Auto Club Car Insurance offers roadside assistance as part of its auto insurance policies. This includes services such as towing, battery service, flat tire service, and lockout service.
How can I qualify for a safe driver discount with American Family?
To qualify for a safe driver discount with American Family, customers must have a clean driving record with no accidents or moving violations in the past three years. This discount can help customers save up to 10% on their car insurance premiums.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
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.