American Family Car Insurance Review

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When you’re trying to select a company to insure your car, it’s important to compare car insurance quotes from different companies, but smart consumers also research company customer satisfaction ratings, available discounts and policy offerings.

Before you enter your zip code to get car insurance quotes from American Family Insurance and other companies, review this article to find out if American Family Insurance will be a good fit for your car insurance needs.

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About American Family Insurance

American Family Insurance (AmFam) is a Fortune 500 company based in Madison, Wisconsin. It was founded in 1927 as Farmers Mutual, and auto insurance was the company’s only product.

Since then, American Family Insurance has expanded into other areas like homeowners and life insurance but consumer auto insurance still remains its primary focus.

American Family Car Insurance Discounts

Most consumers expect to get one or more discounts from their auto insurance company but the discounts available can vary from state to state, so check with your insurer for full details.

American Family Insurance offers car insurance discounts for:

  • Students with excellent grades
  • Individuals or families who have life, property or other insurance policies through American Family Insurance
  • Drivers of vehicles with factory-installed air bags
  • Individuals or families who insure multiple vehicles with American Family Insurance
  • Insured individuals with excellent driving records (few accidents, moving violations, etc.)
  • Drivers within a specific age range who have completed defensive driving courses
  • Drivers who have been with American Family Insurance for a minimum of three consecutive years, and who have been accident free during that time

American Family Auto Insurance Policy Offerings

In terms of customer satisfaction with its policy offerings, American Family Insurance received a rating of “About Average” from J.D. Power and Associates’ consumer survey. The company offers standard choices like collision-only policies which cover collisions with other cars and objects, as well as hit-and-run collisions.

For collision-only policies, American Family Insurance waives the first $100 of your deductible if your accident involves another driver insured by American Family.

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Comprehensive policies from American Family Insurance cover hazards like fire, flood, theft, hail and windstorm damage, to name a few.

Drivers insured by comprehensive policies are entitled to free repair of windshield damage smaller than a one dollar bill and will waive your deductible if your vehicle is stolen and you have equipped it with a LoJack tracking device or etched the VIN number into the windshield glass.

Additional coverage options offered by American Family Insurance include the following:

  • Emergency Roadside Assistance
  • Rental Car Reimbursement
  • Accidental Death and Dismemberment
  • GAP Insurance
  • and more

American Family Insurance Consumer Review

According to J.D. Power and Associates’ 2010 U.S. National Auto Insurance Study, American Family Insurance ranks in the top one-third of car insurance companies in terms of overall customer satisfaction.

It received an overall score of 784 out of a possible 1,000 total points, beating out heavyweights like Progressive, Allstate and MetLife.

State Farm and Geico are two of the insurance companies that earned higher ratings than American Family. State Farm beat out American Family in the “Ease of Contact” and “Billing and Payment” categories, while Geico bested American Family in terms of efficiency of billing and payment, pricing and diversity of policy offerings.

American Family Insurance received “About Average” rankings in all categories, while these two competitors scored “Better than Most” in several categories.

Conclusion: Should You Go With AmFam?

While American Family Insurance is not winning any awards for its customer service, it delivers solid customer satisfaction overall. It should definitely be among your top picks, since it offers a broad array of coverage options and policy discounts.

However, the final decision for most consumers hinges on price. The best way to compare American Family car insurance rates to those of other companies is to enter your zip code in the box.

Use our FREE quote tool compare auto insurance rates today!

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  1. Esurance Car Insurance Review

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