Auto Insurance America Company Review (2024)

Finding the right auto insurance can be challenging, especially if you’re new to the process. What’s more, is that there are thousands of reputable car insurance companies to choose from. The caveat is that not all auto insurance companies are created equally.

One of the most well-known local auto insurance companies in Nevada and New Mexico is Auto Insurance America (AIA). AIA has provided a diverse portfolio of insurance products for over 40 years in cities such as Las Vegas and Albuquerque.

Is AIA the perfect auto insurance company, or should you move on to other options? We’ll break down every aspect of AIA’s insurance business to help you make an informed decision.

What You Should Know About Auto Insurance America

Auto Insurance America is an insurance provider serving customers in the U.S. Southwestern region. For more than 40 years, the company has claimed to offer “common sense and economical” insurance solutions.

In doing so, AIA has grown into one of the largest independent insurance companies in the country, helping tens of thousands of customers receive affordable insurance in their time of need.

AIA is tailored toward customers who need basic and cheap auto insurance immediately. In fact, the company offers a 5% discount for the lifetime of your policy if you receive a quote online.

New customers can even pay to try AIA for three weeks to see how they like it. All they have to do is ask their AIA representative to move forward and make payment arrangements when short on cash.

Auto Insurance America Insurance Coverage Options

Overall, AIA offers complete insurance solutions for:

• Auto. You can receive cheap auto insurance from $31 per month.
• Motorcycle. Customers can customize their motorcycle insurance to fit their specific needs.
• Home/Condo. AIA offers protection for valuable real estate, owned or rented.
• Watercraft. If you own a water vehicle, AIA can provide you with cheap watercraft insurance to give you peace of mind.
• RV. AIA provides all kinds of RV insurance to protect your belongings while you’re on the road.
• Landlord.

AIA isn’t a perfect insurance provider by any means. It’s also not for everyone. Below, we’ll discuss how each of their insurance products stacks up against the nation’s average.

AIA Auto Insurance Review

AIA claims to be an insurance company that works with all kinds of drivers, whether they’re new to the car insurance process or simply want to lower their rate from another provider. There is some truth to this statement.

AIA offers flexible car insurance programs to help drivers select a rate they’re comfortable paying. On top of that, drivers can pay auto premiums starting at $31 a month. When you become a customer, you can pay any way you want, whether by phone or cash.

This begs the question – is cheap insurance from AIA really worth it? The answer depends on your motive for buying car insurance. If you own a used car and want to save money on your premium, cheap car insurance is the way to go. On the other hand, if you’re leasing a valuable car and want more security, you may want to consider a more comprehensive insurance provider.

AIA Motorcycle Insurance Review

AIA has offered motorcycle insurance products for several decades. Whether you need a claim or a quote, AIA provides sufficient coverage to help you maintain your required financial responsibility on the road.

In addition, AIA provides customers with the opportunity to combine their motorcycles and cars under one policy, enabling them to make a single monthly payment while enjoying the advantages of multi-vehicle discounts, including significant motorcycle insurance discounts.

AIA even allows customers to customize their policies according to their needs. When you sign up, you can include motorcycle insurance items, such as:

• Accessory Coverage. This form of insurance covers damage to your motorcycle’s critical and optional accessories.
• Comprehensive and Collision Coverage. This all-in-one insurance policy covers all kinds of damage, from natural disasters to vehicular accidents.
• Loss Settlement Options. This coverage provides an alternative for a new vehicle if your existing motorcycle is totaled.
• Bodily Injury Coverage. This form of coverage protects you from liability if your motorcycle causes bodily harm to someone else.
• Property Damage Liability. This coverage absolves you from any culpability if your vehicle caused property damage.
• Medical Payments. This coverage extends to you or a passenger’s medical expenses, even if you’re at fault for the car accident.

While AIA may be a cheap insurance option for most drivers, it offers enough perks to be worth your while.

AIA Home/Condo Insurance Review

AIA provides some of the lowest homeowner insurance rates in the industry for owners of:

• Condos
• Townhomes
• Mobile homes
• Single-family homes

Customers can purchase affordable insurance to help protect their greatest investments. Previous customers can lower their already cheap home insurance rates by bundling their auto insurance.

This benefit can help you receive home insurance at a lower price than any other provider.

AIA also offers an eclectic mix of rental insurance products into one policy, such as:

• Burglary Insurance. This form of coverage protects your home and belongings in the aftermath of a home invasion.
• Theft Insurance. This type of insurance protects your belongings from criminal theft.
• Temporary Living Expense Insurance. If your property is uninhabitable, AIA will provide the funds necessary for you to lodge somewhere else, usually at a hotel.
• Personal Liability Insurance. This form of coverage protects you from liability if someone gets injured while on the premises.

Acquiring rental insurance can be a hassle for most people, seeing as it adds an extra cost on top of rent. Since renters don’t own the property, they may see AIA as a great solution to cut costs.

However, if you just bought a home, you may want to consider other options to protect your investment, especially if your purchase was massive.

AIA Watercraft Insurance Review

Depending on where you live, obtaining watercraft insurance can be problematic. Unlike auto and home insurance, watercraft insurance isn’t a saturated market. This means there are a few options to choose from.

With that said, AIA is one of the most affordable watercraft insurance providers in the Southwest region. This product is modeled closely after AIA’s auto insurance offering, meaning you can receive cheap premiums that’ll fit your custom needs.

Before choosing AIA, you should assess the pros and cons of purchasing cheap watercraft insurance. If you’re a great driver and want to save money, AIA is an ideal choice.

On the contrary, if you fear paying a high deductible in the event of a water accident and need more protection for your vehicle, you’re better off choosing another option. AIA doesn’t provide a specific cost for their watercraft insurance product. You’ll need to contact an AIA representative to get a specific quote and customize it according to your needs.

AIA RV Insurance Review

Before choosing RV insurance, it’s important first to understand what kind of coverage you’ll want in the event of a catastrophe. Every RV insurance policy has two forms of insurance: actual cash value (ACV) and total loss replacement.

The major difference is that ACV insurance will provide you with funds that are commensurate with your vehicle’s worth at the time of the accident. On the other hand, total loss replacement insurance is more comprehensive.

AIA offers a full spectrum of RV insurance products to give you complete security of your investment. These products include:

• Vacation Liability. This form of coverage extends to damage sustained over the course of travel.
• Full-Time RV Insurance. This is comprehensive RV insurance for all kinds of damage and natural disasters.
• Emergency Expenses. This insurance covers every item that falls under an “emergency” on the road.

Total loss replacement insurance will provide you with a new or similar vehicle after an accident. Making the distinction between both forms of coverage can help you receive a higher payout amount after filing a claim.

Auto Insurance America Insurance Rates Breakdown

All insurance companies claim to offer the most affordable insurance, the best auto insurance discounts, and superior customer service. What is the best way to distinguish between a pretender and the real deal?

Besides determining the cost of an auto insurance policy, you should read customer reviews to assess the following:

• How quickly the insurance company pays claims
• How courteous and patient they are with customers
• How reasonably do they provide the exact services listed in the policy
• Their fiscal health to pay out benefits to policyholders

Customer reviews should provide all the information you need to answer these questions. You can also check the credit rating of an insurance agency to find out if they have the funds to pay your claim on time.

Remember That Flexibility Is Important

Every person has different financial limits. A flexible insurance policy is ideal when you’re short on cash or need to maneuver your money in a long-term window.

For example, AIA offers all kinds of insurance products and allows customers to choose their own due dates. AIA makes it simple for policyholders to make non-fixed payments to suit all kinds of personal budgets.

Remember That You Must Make Your Own Decision

If you decide to purchase car insurance with AIA or any other provider, it’s important to point out that you must choose your own policy limits. Both insurance agents nor brokers won’t be able to coach you on selecting the right policy.

Instead, they’ll provide you with as much knowledge and resources as possible to make your own decision. Agents and brokers cannot even help you determine whether you need a higher policy limit. If you provide your agent or broker with all the information about your vehicle and home, they won’t help you choose. It’s up to you to do your own research and select a suitable policy.

Auto Insurance America Discounts Available

One of the best ways to save on auto insurance is to bundle your policies, compare different quotes, and complete a safe driving course. With AIA, you can receive a discount under the “Drive Less Pay Less” feature once you pass a safe driving course.

If you’re going to save money on auto insurance, it’s best to compare different discounts against your current provider. Doing so will paint a full picture of each of your options so you can make the best buying decisions for auto insurance.

The AIA Mobile App Review

Every insurance company needs a mobile app to help customers view their policy information on the go.

The good news is that the AIA mobile app is a solid platform that gives customers the ability to:

• Make payments
• File an insurance claim
• Provide Proof of Insurance
• Obtain Policy Details
• Contact AIA

Customers can download the AIA on both Android and Apple Store. This kind of digital convenience makes it easy to provide proof of insurance after a car accident, make quick payments at any time, and contact an AIA representative about any insurance policy questions.

Important Tips on Choosing the Right Coverage

Choosing the right coverage means something different to every individual. Some people are only concerned about saving money. Others need substantial liability protection because they own a great number of assets.

The best way for anyone to choose the right coverage is to:

• Buy more coverage if you have more assets to protect.
• Buy liability coverage according to present asset values, including stocks, bonds, and vehicle values.
• Choose the coverage that meets your needs, whether you want to protect your asset or pay your medical bills in case of an accident.

Make sure to follow these tips when shopping for car insurance.