American Family vs Century Car Insurance for 2023
In this comprehensive comparison between American Family and Century Car Insurance, we dissect the offerings of these industry giants, providing you with the insights needed to make an informed choice for your car insurance needs.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
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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When it comes to finding the best car insurance rates, the battle between American Family and Century Car Insurance boils down to a few key factors: credit score, mileage, coverage level, and driving record. American Family stands out with its established history dating back to 1927, offering an extensive range of coverage options and an array of discounts like multi-policy and safe driver incentives. This company garners positive customer reviews and an A+ rating from the Better Business Bureau, signaling reliability and excellent service. On the other hand, Century Car Insurance boasts reasonable rates, especially for those seeking affordability with multi-car, multi-policy, and safe driver discounts. While it has garnered positive feedback for customer service and claim resolution, its shorter history might be a consideration for those valuing longer-established insurers.
| Factors | American Family | Century Car |
|---|---|---|
| Clean Record | $117 | $80 |
| 1+ Ticket | $136 | $100 |
| 1+ Accident | $176 | $120 |
| DUI | $194 | $140 |
| Poor Credit | $201 | $138 |
| Discounts | American Family | Century Car |
|---|---|---|
| Anti Theft | 15% | 5% |
| Good Student | 20% | 10% |
| Low Mileage | 10% | 10% |
| Paperless | 5% | 8% |
| Safe Driver | 45% | 15% |
| Senior Driver | 10% | 10% |
American Family Car Insurance
Pros:
- Established History: American Family has a long history dating back to 1927 and is one of the largest mutual property and casualty insurance companies in the United States.
- Comprehensive Coverage: American Family offers a wide range of coverage options, including liability, collision, comprehensive, personal injury protection, uninsured/underinsured motorist, and more.
- Add-On Options: The company provides additional coverage options such as rental reimbursement and emergency road service, allowing customers to customize their policies.
- Positive Customer Reviews: American Family has received high ratings for its customer service and claims handling, as evidenced by its A+ rating from the Better Business Bureau.
- Discounts: American Family offers various discounts, including multi-policy, safe driver, and good student discounts, helping customers save on their premiums.
Cons:
- Availability: American Family’s rates may vary by state, and coverage options can differ depending on the location, potentially limiting choices for some customers.
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Century Car Insurance
Pros:
- Reasonable Cost: Century Car Insurance offers competitive rates and various discounts, including multi-car, multi-policy, and safe driver discounts, making it an affordable choice for many.
- Additional Coverage Options: Century Car Insurance provides options like gap insurance and new car replacement coverage, which can be beneficial for customers seeking extra protection.
- Positive Customer Reviews: Century Car Insurance has received positive feedback for its customer service and claim resolution processes, indicating customer satisfaction.
- Digital Innovations: The company offers mobile apps, online account management capabilities, and digital tools to enhance the customer experience and convenience.
Cons:
- Less Established History: Century Car Insurance has a shorter history compared to American Family, which may be a consideration for those who prefer more established companies.
- Student Discount Rates: While Century Car Insurance offers a student discount, it may not be as competitive as some other providers, potentially affecting students seeking more affordable premiums.
- Limited Coverage Area: Although Century Car Insurance operates in all 50 states, its coverage options and rates may not be as extensive or competitive in some regions.
- Claim Processing Time: While both companies aim for efficient claim processing, the actual processing time may vary, which could be a concern for those needing quick claim resolutions.
Best Car Insurance Company: American Family
When it comes to choosing the best car insurance company between American Family and Century Car Insurance, one company stands out as the clear winner: American Family.
Rates and Affordability: American Family offers competitive rates with a variety of discounts, including multi-policy, safe driver, and good student discounts. While Century Car Insurance provides reasonable rates and discounts, American Family’s extensive range of discount options and flexibility make it the more affordable choice for most customers.
Coverage Options: American Family excels in offering a wide array of coverage options, including liability, collision, comprehensive, personal injury protection, uninsured/underinsured motorist, and additional add-ons like rental reimbursement and emergency road service. This extensive coverage selection ensures that customers can tailor their policies to suit their specific needs.
Customer Satisfaction: Both companies have received positive customer reviews for their customer service and claims handling. However, American Family’s A+ rating from the Better Business Bureau and its longer history in the insurance industry reflect a higher level of trust and reliability among customers.
Additional Advantages: American Family’s well-established history dating back to 1927 and its mission to “inspire, protect, and restore dreams” for customers show a commitment to customer satisfaction and protection. Moreover, its reputation and financial stability provide peace of mind for policyholders.
While Century Car Insurance has its merits, including reasonable rates and additional coverage options, it falls slightly short when compared to the comprehensive offerings, discounts, and established history of American Family.
In the battle of American Family vs. Century Car Insurance, American Family emerges as the best overall car insurance company, providing affordability, a wide range of coverage options, and a track record of satisfied customers.
Company History and Mission
American Family was founded in 1927 in Madison, Wisconsin, by Herman Wittwer, a struggling insurance salesman. The company has since grown into a Fortune 500 company and is now one of the largest mutual property and casualty insurance companies in the United States. American Family’s mission is to “inspire, protect and restore dreams” for their customers.
Century Car Insurance, on the other hand, was founded in 1949 in Traverse City, Michigan. The company has since expanded to offer insurance products in all 50 states. Century’s mission is to “provide quality protection, superior customer service, and the lowest rates possible.”
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Products and Services
Both American Family and Century Car Insurance offer a wide range of products and services to their customers. American Family offers liability, collision, comprehensive, personal injury protection, uninsured/underinsured motorist, and roadside assistance coverage. They also offer several add-ons, including rental reimbursement and emergency road service.
Century Car Insurance offers similar coverage options, including liability, collision, comprehensive, personal injury protection, and uninsured/underinsured motorist coverage. They also offer additional coverage options, such as gap insurance and new car replacement coverage.
Cost and Availability
The cost of car insurance can vary greatly depending on several factors, including your location, driving history, and the type of coverage you need. Both American Family and Century Car Insurance offer competitive rates and discounts to help customers save money.
American Family’s rates vary by state, but they offer several discounts, including multi-policy, safe driver, and good student discounts. Century Car Insurance also offers a variety of discounts, including multi-car, multi-policy, and safe driver discounts.
Case Studies: American Family vs Century Car Insurance
Case Study 1: John’s Comprehensive Coverage
John, recently purchased a new car and is looking for comprehensive coverage to protect his investment. He obtained quotes from both American Family and Century Car Insurance to compare their offerings. American Family offered him a comprehensive coverage plan with a competitive premium and additional add-ons such as rental reimbursement and emergency road service.
On the other hand, Century Car Insurance provided a similar comprehensive coverage plan but also included gap insurance and new car replacement coverage. After carefully considering the options, John decided to choose Century Car Insurance due to the additional coverage options that suited his needs.
Case Study 2: Sarah’s Student Discount
Sarah, was searching for car insurance that offered student discounts. She obtained quotes from both American Family and Century Car Insurance. American Family provided her with a student discount due to her good grades, which significantly reduced her premium.
Century Car Insurance also offered a student discount but at a slightly higher rate compared to American Family. After careful consideration, Sarah decided to go with American Family as the premium reduction offered by their student discount better aligned with her budget.
Case Study 3: Customer Service Experience – Mark’s Claim
Mark, a customer of both American Family and Century Car Insurance, unfortunately experienced an accident and needed to file a claim. Mark found that both companies provided satisfactory customer service during the claims process. American Family promptly assigned an adjuster who guided him through the entire process, ensuring a smooth and hassle-free experience.
Similarly, Century Car Insurance assigned a dedicated claims representative who provided clear instructions and updates throughout the process. Mark was pleased with the customer service provided by both companies, which made his difficult situation more manageable.
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Streamlining Experience With American Family vs. Century Claims Process
Ease of Filing a Claim
Filing a claim with American Family and Century Car Insurance can be done through multiple channels, including online, over the phone, and mobile apps. Customers have the convenience of choosing the method that suits them best, making it easy to report a claim in a way that fits their preferences.
Average Claim Processing Time
The average claim processing time is a crucial factor for policyholders. Both American Family and Century Car Insurance aim to provide efficient claim processing services. However, the actual processing time may vary based on the complexity of the claim and other factors. Policyholders can expect a reasonable turnaround time when filing a claim with either of these insurers.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback is a valuable source of information when assessing the quality of an insurance company’s claims process. American Family and Century Car Insurance have received positive feedback from customers regarding their claim resolutions and payouts. This suggests that policyholders have generally had satisfactory experiences when it comes to getting their claims settled.
Exploring Digital and Technological Innovations of American Family vs. Century
Mobile App Features and Functionality
Both American Family and Century Car Insurance offer mobile apps with various features and functionalities. These apps provide policyholders with the ability to manage their policies, file claims, make payments, and access important documents on the go. The apps are designed to be user-friendly, allowing customers to have convenient access to their insurance information from their smartphones.
Online Account Management Capabilities
Policyholders can take advantage of online account management capabilities offered by both American Family and Century Car Insurance. This includes the ability to view policy details, make changes to coverage, update personal information, and track claims progress through secure online portals. These online account management tools make it easier for customers to stay in control of their insurance policies.
Digital Tools and Resources
In addition to mobile apps and online account management, both American Family and Century Car Insurance provide digital tools and resources to assist customers in making informed decisions about their insurance. These resources may include educational content, calculators, and coverage comparison tools that help policyholders better understand their options and choose the right coverage for their needs.
Customer Reviews
When it comes to customer reviews, both American Family and Century Car Insurance have received positive feedback from customers. American Family has an A+ rating from the Better Business Bureau and has received high ratings for their customer service. Century Car Insurance has also received high ratings for their customer service and claims handling process.
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Frequently Asked Questions
How can I qualify for discounts with American Family and Century Car Insurance?
To qualify for discounts with American Family, you may be eligible for a multi-policy, safe driver, or good student discount. Century Car Insurance offers discounts for multi-car, multi-policy, and safe driving habits.
Can I manage my policy online with American Family and Century Car Insurance?
Yes, both companies offer online policy management and bill payment options.
What types of coverage options do American Family and Century Car Insurance offer?
Both companies offer liability, collision, comprehensive, personal injury protection, and uninsured/underinsured motorist coverage. They also offer additional coverage options, such as rental reimbursement and emergency road service.
How long does it typically take for claims to be processed with American Family and Century Car Insurance?
The average claim processing time can vary based on the complexity of the claim and other factors. While both companies aim for efficient processing, policyholders can expect a reasonable turnaround time when filing a claim.
Do American Family and Century Car Insurance offer digital tools and resources to assist customers?
Yes, both companies provide digital tools, including mobile apps, online account management, and resources such as educational content and coverage comparison tools to help customers make informed decisions about their insurance.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
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.