American Family Auto Insurance: Coverage & Discounts
Madison, Wisconsin-based American Family Insurance Mutual Holding Company is the country’s 13th largest property and casualty insurance group with $11.5 billion in direct written premium at the end of 2019. Auto and home insurance make up most of its sales followed by commercial insurance with a strong focus on protection for small- and mid-sized businesses and rental property owners. American Family Insurance has been serving customers since 1927. American Family Insurance ranks number 254 on the Fortune 500 list and sells insurance primarily through exclusive agency owners in 19 states.
Let’s take a closer look at the auto insurance coverage available from American Family Insurance Auto.
Auto Insurance Coverage from American Family Insurance Auto
Here are the different types of auto insurance coverages available from American Family Insurance Auto.
Collision. This insurance protects you against collisions with another vehicle, collisions with an object or rollover damages, no matter who caused the accident.
Comprehensive. This type of insurance covers you for damage caused by accidents that don’t involve colliding with another vehicle or object. Hail damage, fire, flooding, theft and vandalism are all covered by comprehensive insurance.
Property Damage Liability Coverage. If your car damages someone else’s property such as their car or mailbox, this insurance will help pay for the damages.
Bodily Injury Liability Coverage. If you are the cause of a car accident that hurts someone, this insurance assists in paying for their injuries. Bodily injury liability coverage also helps protect you if you are sued.
Medical Expense Coverage. If you were injured in a car accident, this insurance helps pay for medical care for you and your passengers, regardless of who is at fault in the accident.
Personal Injury Protection (PIP). This type of insurance assists in reimbursing you and your passengers for lost income and medical or child car costs no matter who is at fault in the accident.
Gap Coverage. Depreciation can create a gap between what your car is worth and what you owe. This add-on coverage helps pay the difference if you have a total loss.
Rental Car Reimbursement. This coverage assists in paying for a rental vehicle while your car is in the repair shop.
Underinsured Motorist Protection Coverage. This type of coverage will offer payment assistance when another driver causes more damage than his or her insurance covers.
Uninsured Motorist Protection Coverage. This type of insurance protects you if you’re injured in an accident and the other driver is uninsured. This coverage also protects you if you’re the victim of a hit-and-run or hit as a pedestrian.
Emergency Road Service. This coverage provides 24-hour-seven-days-a-week roadside assistance. Drivers can reach out for help with the American Family Insurance app or by calling an 800 number or online with an American Family Insurance account.
Accidental Death and Dismemberment Coverage. This type of coverage pays in the event of death or certain injuries caused when a vehicle has been struck, regardless of who is at fault in the accident.
Discounts on American Family Insurance Auto Policies
Here are discounts available from American Family Insurance Auto. Scoop up as many as you can to save money on your insurance premium.
Save by Bundling Auto and Home Policies. Bundle your home and auto policies and save up to 29 percent on your auto insurance coverage and up to 20 percent on your homeowners insurance coverage. Add life insurance to the mix and you’ll save even more.
10 Percent Auto Premium Relief. Start a new personal auto insurance policy with American Family Insurance Auto and you may qualify for a new Auto Premium Relief Credit. Eligible customers receive a 10 percent credit on personal auto insurance policies.
Auto and Renters Insurance Bundles. If you are renting an apartment, condo or home, you can save up to 29 percent on your auto insurance and up to 15 percent on your renters insurance by combining policies.
Auto and Life Insurance Bundles. Bundle your life insurance policy with your auto insurance policy and save money on your premiums.
Multi-Car Insurance Discount. If you insure more than one vehicle with American Family Insurance Auto, you may qualify for reduced auto insurance premiums on your cars, trucks and SUVs.
KnowYourDrive. Enroll in this usage-based insurance program and you automatically get a 10 percent discount and you can save up to 20 percent with your safe driving habits.
Low Mileage. Low-mileage drivers get rewarded. American Family Insurance Auto customers who drive less than 7,500 miles per year can qualify for additional savings on their car insurance premiums.
Loyalty. If you’ve been an American Family Insurance Auto customer for a while, you may be eligible for a loyalty discount. The amount you save depends on how long you’ve been an American Family Insurance Auto customer.
Auto Safety Equipment. If your car is equipped with factory-installed air bags, you can save money on your car insurance.
AutoPay. Enroll in automatic funds transfer or electronic recurring payments and you will qualify for a discount on your car insurance.
Full Pay. Pay your policy in full at the time of purchase and you’ll earn a Full Pay discount with American Family Insurance Auto.
Go Paperless. Sign up for online billing and e-delivery of policy documents and you’ll be eligible for a discount on your car insurance.
Good Student. Student drivers with good grades save money on their car insurance. To qualify, a student must be enrolled full-time in high school, a two- or four-year college or university, an online school program or vocational technical school. The student must be between the age of 16 to 25 and maintain a “B” average or rank among the upper 20 percent of his or her class. A report card or transcript may be used to verify the student’s grades. If a student is homeschooled, he or she still can qualify for the Good Student Discount. Here’s how to qualify. Within the past 12 months, if a student scored in the upper 20 percent in the SAT or ACT tests, the student can qualify for a Good Student Discount from American Family Insurance Auto.
Teen Safe Driver. American Family Insurance Auto’s Teen Safe Driver program is free to policyholders with a teenage driver. You may qualify for a 10 percent discount when your teen drives 3,000 miles or uses the app for a year. Away At School. If your child is a student who is under the age of 25 and living more than 100 miles away at college and he or she hasn't taken a car to school, you may save money on your car insurance premium. And if you are the student over 100 miles away from your parked car back home, you may save on your car insurance as well.
Young Volunteer. If you are under the age of 25 and complete 40 hours of volunteer work per year for a non-profit, you could save money on your car insurance policy.
Generational. Are your parents American Family Insurance Auto customers? If so, you could earn a discount on your auto insurance premium.
Good Driving Discount. If you’ve had no accidents, no violations and no claims within the past five years, you may qualify for a Good Driving Discount on your auto insurance premium. Both new and current policyholders are eligible for a Good Driving Discount.
Defensive Driver Discount. A Defensive Driver Discount is a state-mandated discount applied when you complete a defensive driving course. But you’ll need to be over the age of 55 and a resident of a qualifying state to be eligible. These states include Colorado, Georgia, Idaho, Illinois, Kansas, Minnesota, Nevada, North Dakota, Ohio, Oregon, Utah and Washington.
Is American Family Insurance Auto Right for You?
Let SmartFinancial compare rates to see who will offer you the best value in your area. It takes a couple of minutes to answer all the questions, beginning by typing in your zip code below.
Get a Free Auto Insurance Quote Online Now.
Looking for Auto Insurance?
Compare rates from dozens of companies in less than 3 minutes.