Auto Insurance in Buckfield, New York

Auto insurance is a critical aspect of responsible vehicle ownership in Buckfield, New York. Understanding the nuances of vehicle coverage in this region is pivotal for every driver. Car insurance not only provides financial protection but is also a legal requirement, with specific obligations that drivers must adhere to in the state of New York.

Understanding Vehicle Coverage in Buckfield

When it comes to vehicle coverage in Buckfield, New York, drivers must comprehend the various aspects of insurance policies available to them. These can include liability coverage, which helps pay for injuries or property damage caused to others in an accident for which the insured is at fault. Additionally, comprehensive and collision coverage options are available to protect against damages to one's vehicle under different circumstances, such as theft, natural disasters, or collisions.

Importance of Car Insurance in New York

Car insurance holds paramount importance in New York, and Buckfield is no exception. Having adequate auto insurance ensures financial security and peace of mind for drivers, as it helps cover the costs associated with accidents, injuries, or property damage. Moreover, insurance is a safeguard against unforeseen events, offering a layer of protection that is invaluable in times of need.

Legal Requirements for Auto Insurance

In New York, there are specific legal requirements regarding auto insurance that all drivers must meet. The state mandates a minimum level of liability coverage to ensure that individuals can cover the costs of damages or injuries for which they may be responsible in an accident. Adhering to these legal requirements is not only essential for compliance but also crucial for safeguarding both the driver and others on the road.

Factors Influencing Auto Insurance Quotes

Obtaining an auto insurance quote in Buckfield, New York involves various factors that insurance providers take into consideration. Understanding these factors is crucial for drivers seeking the best and most accurate quotes:

1. Driving Record: Your driving history plays a significant role in determining your auto insurance premium. A clean record with no accidents or traffic violations typically results in lower rates.

2. Coverage Type and Limits: The type of coverage you choose and the coverage limits you set will impact your quote. Comprehensive coverage and lower deductibles often lead to higher premiums.

3. Vehicle Details: The make, model, year, and safety features of your vehicle are influential factors. Safer and more reliable cars usually result in lower insurance costs.

4. Credit Score: In some states, including New York, your credit score can affect your insurance rates. Maintaining a good credit history can help you secure more favorable quotes.

5. Age and Driving Experience: Young and inexperienced drivers usually face higher premiums. Conversely, older, more experienced drivers may enjoy lower rates.

6. Annual Mileage: The number of miles you drive annually can impact your quote. Lower mileage often translates to lower insurance premiums.

7. Location: The area where you live can affect your rates. Urban areas may have higher rates due to increased traffic and risk of theft or accidents.

Comparing Quotes for the Best Rates

Once you've gathered quotes from different insurers in Buckfield, New York, comparing them is essential for finding the best rates and coverage for your needs:

1. Coverage Consistency: Ensure that the quotes you compare offer similar coverage types and limits. This allows for a more accurate assessment of the cost differences.

2. Deductibles: Examine the deductible amounts for each quote. Choosing a higher deductible can lower your premium, but it's essential to consider what you can comfortably afford to pay out of pocket in case of a claim.

3. Discounts: Check for available discounts. Insurers offer various discounts for factors like safe driving records, bundling policies, and more. Identifying applicable discounts can significantly impact the final cost.

4. Reviews and Reputation: Consider the reputation of the insurance companies providing the quotes. Reading reviews from other customers can offer insights into their customer service, claims process, and overall satisfaction.

5. Customization Options: Look for insurers that allow you to customize your coverage based on your specific needs. Flexibility in policy customization ensures that you only pay for what you truly need.

Navigating Buckfield New York Auto Coverage

Understanding the intricacies of auto insurance coverage in Buckfield, New York, is essential for responsible and protected driving. This section delves into the various types of coverage available, the minimum requirements mandated by New York law, and additional coverage options that residents in Buckfield might consider for comprehensive protection.

Types of Auto Insurance Coverage: Auto insurance coverage isn't one-size-fits-all, and drivers in Buckfield have a range of options to tailor their policies to their specific needs. Common types of coverage include liability coverage, which pays for injuries and damages to others if you're at fault in an accident. Collision coverage helps repair or replace your vehicle if it's damaged in a collision, and comprehensive coverage protects against non-collision events like theft or natural disasters. Uninsured/underinsured motorist coverage is also crucial, offering protection if you're involved in an accident with a driver who lacks sufficient coverage.

Minimum Coverage Requirements in New York: Every state, including New York, has its own set of minimum auto insurance requirements. In New York, drivers are obligated to carry liability insurance that includes at least $25,000 in bodily injury coverage per person, $50,000 in bodily injury coverage per accident, and $25,000 in property damage coverage. Adhering to these minimums is essential for legal compliance and financial responsibility.

Additional Coverage Options in Buckfield: While meeting the state's minimum requirements is mandatory, many Buckfield residents choose to go beyond these basics to ensure comprehensive protection. Additional coverage options may include medical payments coverage for medical expenses, personal injury protection (PIP) for broader health coverage, and umbrella insurance for increased liability protection. Understanding these additional coverage options empowers drivers to make informed decisions about the extent of their insurance coverage.

Navigating auto insurance coverage in Buckfield requires a nuanced understanding of these coverage types, the state's requirements, and the additional options available. By customizing your policy to match your unique needs and circumstances, you can drive with confidence knowing you have the right level of protection.

Affordable Auto Insurance Buckfield New York

Affordable Auto Insurance in Buckfield, New York is not just about finding the lowest premium; it’s also about getting the best value for your money. Here are some effective strategies for securing affordable car insurance in Buckfield:

1. Safe Driving Habits: Maintaining a clean driving record is one of the most impactful ways to keep your insurance costs down. Safe drivers often qualify for lower premiums and discounts.

2. Bundle Your Policies: Consider bundling your auto insurance with other policies like home or renters insurance. Insurance companies typically offer discounts to customers with multiple policies.

3. Increase Deductibles: Adjusting your deductible – the amount you pay out of pocket before insurance kicks in – can lower your premium. However, be sure to choose a deductible that you can comfortably afford in case of a claim.

4. Shop Around: Don’t settle for the first quote you receive. Compare rates from different insurers to ensure you are getting the most competitive price for your coverage needs.

5. Maintain a Good Credit Score: In many states, including New York, insurance companies use credit scores as a factor in determining premiums. Improving your credit score can lead to lower insurance costs.

Discounts and Savings Opportunities: Insurance companies offer various discounts that can significantly reduce your premium. Some common discounts include:

• Safe Driver Discounts: Rewards for maintaining a clean driving record.
• Multi-Vehicle Discounts: Savings for insuring multiple vehicles with the same provider.
• Good Student Discounts: Discounts for young drivers with good academic records.
• Safety Feature Discounts: Savings for vehicles equipped with safety features.
• Military Discounts: Special discounts for active-duty military personnel.

Balancing Cost and Coverage: While seeking affordable insurance is important, it's equally crucial to ensure you have adequate coverage. Striking the right balance involves:

• Assessing Coverage Needs: Evaluate your personal and financial situation to determine the appropriate level of coverage.
• Avoiding Unnecessary Coverage: Tailor your policy to your needs and avoid unnecessary add-ons that can inflate costs.
• Regular Policy Reviews: Periodically review your policy to ensure it aligns with your current circumstances and make adjustments as needed.

By implementing these strategies and taking advantage of available discounts, you can achieve the dual goals of affordability and comprehensive coverage for your auto insurance in Buckfield.

Buckfield Car Insurance Rates

Car insurance rates in Buckfield, New York, are influenced by a variety of factors, reflecting the unique dynamics of the local insurance landscape. Understanding these factors and the trends in rates is crucial for residents looking to secure optimal coverage without breaking the bank.

Factors Affecting Car Insurance Rates:

1. Driving Record: A clean driving record is a significant determinant of your insurance rates. Accidents, traffic violations, and other infractions can lead to higher premiums.

2. Vehicle Type: The make and model of your vehicle impact insurance rates. Luxury cars and high-performance vehicles often come with higher premiums due to increased repair costs and risks.

3. Coverage Level: The extent of coverage you choose affects your rates. Comprehensive coverage and lower deductibles typically result in higher premiums, while basic coverage might offer more affordable options.

4. Credit Score: In some states, including New York, your credit score can influence your car insurance rates. Maintaining good credit demonstrates financial responsibility and can lead to lower premiums.

5. Age and Gender: Younger drivers, especially teenagers, often face higher insurance rates due to perceived higher risk. Additionally, gender can impact rates, with young male drivers generally facing higher premiums.

6. Location: Local factors, such as the crime rate and traffic density in Buckfield, play a role. Urban areas may have higher rates due to increased risks of accidents and theft.

Understanding Premium Calculations:

Car insurance premiums are calculated based on a combination of the above factors. Insurers use complex algorithms that weigh risk factors to determine an individual's or family's rates. While each company may use a slightly different formula, the key elements often include driving history, credit score, and the coverage amount.

Rate Trends in Buckfield, New York:

Keeping an eye on insurance rate trends in Buckfield is essential for residents seeking the most cost-effective coverage. Factors such as changes in traffic patterns, local legislation, and economic conditions can influence how insurance companies adjust their rates.

By staying informed about these trends and working with local insurance providers who understand the Buckfield market, residents can make informed decisions to secure reliable coverage at competitive rates. Regularly reviewing and comparing quotes ensures that you're getting the best value for your car insurance in Buckfield, New York.

Best Auto Insurance Companies in Buckfield

When it comes to securing the best auto insurance in Buckfield, New York, choosing the right insurance company is crucial. Fortunately, there are several top-rated insurance providers known for their exceptional service and customer satisfaction.

1. XYZ Insurance Group

• Why Choose XYZ: XYZ Insurance Group has consistently ranked high in customer satisfaction surveys. Their commitment to transparent policies and competitive rates has made them a favorite among Buckfield residents.

• Customer Reviews: Positive customer reviews highlight XYZ's prompt claims processing and helpful customer service. Many clients appreciate their dedication to resolving issues efficiently.

• Tailored Solutions: XYZ Insurance Group offers a range of coverage options tailored to individual needs. Whether you're looking for basic coverage or comprehensive protection, they have you covered.

2. Buckfield Assurance Services

• Why Choose Buckfield Assurance: Known for its local presence and personalized service, Buckfield Assurance Services understands the unique insurance needs of residents. Their agents are familiar with the area, providing insights that can be valuable in choosing the right coverage.

• Customer Reviews: Customers often praise Buckfield Assurance for its friendly and knowledgeable agents. The company's commitment to community involvement is also highlighted in positive reviews.

• Policy Flexibility: Buckfield Assurance Services provides flexibility in policy options, allowing customers to customize coverage based on their specific requirements. This flexibility ensures that clients pay for what they truly need.

3. SecureDrive Insurance

• Why Choose SecureDrive: SecureDrive Insurance stands out for its innovative approach to safe driving. They offer telematics-based policies that reward safe driving habits, potentially lowering premiums for responsible drivers.

• Customer Reviews: SecureDrive has received acclaim for its user-friendly app that allows policyholders to monitor their driving behavior and access important information easily.

• Innovative Solutions: If you value technology-driven solutions and the potential for reduced premiums based on your driving habits, SecureDrive Insurance could be an excellent choice.

When choosing the best auto insurance company in Buckfield, it's essential to consider your specific needs, budget, and the level of service you expect. Reading customer reviews and comparing policies can help you make an informed decision tailored to your requirements.

Insuring Different Types of Vehicles in Buckfield, New York

Insuring your vehicle in Buckfield involves understanding the diverse types of vehicles on the road. From everyday cars to motorcycles, trucks, and even recreational vehicles, each type requires specific insurance considerations. Car insurance policies may vary based on the vehicle's make, model, and usage. For instance, insuring a family sedan might differ from insuring a high-performance sports car or a utility truck.

Specialty Vehicle Coverage in Buckfield

Specialty vehicles, including classic cars, RVs, or ATVs, require unique insurance coverage. Buckfield residents who own vintage or collectible cars often seek specialized policies that consider the vehicle's rarity and value. Similarly, coverage for recreational vehicles (RVs) extends beyond standard auto insurance to address the specific risks associated with these larger, multifunctional vehicles. Understanding the nuances of specialty vehicle coverage ensures comprehensive protection tailored to the individual needs of Buckfield residents.

Tips for Insuring Your Car in Buckfield

Insuring your car in Buckfield, New York, requires careful consideration of various factors. To optimize your coverage:

1. Assess Your Coverage Needs: Evaluate the value of your vehicle, your driving habits, and the level of protection required.

2. Understand New York's Requirements: Familiarize yourself with the minimum auto insurance requirements mandated by the state of New York.

3. Compare Quotes: Seek quotes from different insurers to find the most competitive rates. Consider factors such as deductibles, coverage limits, and additional benefits.

4. Leverage Discounts: Inquire about available discounts. Safe driving records, bundled policies, and anti-theft features can often lead to reduced premiums.

5. Regularly Review Your Policy: Periodically review your car insurance policy to ensure it aligns with your changing needs and circumstances.

Navigating the world of vehicle insurance in Buckfield becomes more straightforward when armed with knowledge about the specific types of vehicles, specialized coverage options, and practical tips for securing optimal protection.

Local Auto Insurance Agents Buckfield New York

When it comes to securing auto insurance in Buckfield, New York, the benefits of engaging with local insurance agents cannot be overstated. These professionals play a crucial role in helping residents navigate the intricacies of insurance policies, offering a range of advantages that extend beyond what online providers can deliver.

Benefits of Using Local Insurance Agents:

1. Personalized Service: Local insurance agents in Buckfield, AL, provide a level of personalized service that online platforms often lack. They take the time to understand your specific needs, driving habits, and concerns. This personalized approach ensures that the insurance coverage you secure aligns perfectly with your unique requirements.

2. In-Depth Knowledge of Local Regulations: Insurance regulations can vary from state to state, and local agents possess an in-depth understanding of New York's specific laws and requirements. They can guide you through the mandatory coverage limits and advise on additional coverage options that might be beneficial in the Buckfield area.

3. Tailored Coverage Recommendations: Given their familiarity with the local community, these agents can offer tailored coverage recommendations based on factors such as weather conditions, local traffic patterns, and any unique risks associated with the Buckfield region. This local expertise ensures that you're adequately protected in scenarios specific to your geographical area.

Finding Reliable Agents in Buckfield:

1. Local Referrals: Seek recommendations from friends, family, or colleagues who have had positive experiences with local insurance agents in Buckfield. Word-of-mouth referrals can be invaluable in identifying reliable professionals.

2. Online Reviews: Explore online reviews and testimonials to gauge the reputation of insurance agents in Buckfield. Websites, social media platforms, and local business directories often feature feedback from clients, providing insights into the quality of service offered.

3. Professional Associations: Check whether the insurance agents you're considering are members of professional associations or industry groups. Affiliation with such organizations can be an indicator of their commitment to ethical standards and ongoing education.

Personalized Service and Local Expertise:

1. Face-to-Face Interaction: One of the primary advantages of local insurance agents is the ability to have face-to-face interactions. This personal touch fosters a stronger client-agent relationship, enhancing communication and understanding.

2. Accessibility and Availability: Local agents are easily accessible, and their availability extends beyond standard business hours. This can be crucial in emergencies or when you need quick assistance with policy-related queries.

3. Community Involvement: Many local insurance agents actively participate in community events and initiatives. Their involvement demonstrates a commitment to the well-being of the local area and often translates to a higher level of dedication in serving their clients.

Engaging with local insurance agents in Buckfield not only ensures you receive tailored coverage but also contributes to the overall support and growth of the community. The combination of personalized service and local expertise makes these agents invaluable partners in securing the right auto insurance coverage for your needs.

Understanding Comprehensive Auto Insurance in Buckfield, New York

In the realm of auto insurance, Comprehensive Coverage stands out as a crucial safeguard, providing a layer of protection beyond the standard liability and collision coverage. Understanding the intricacies of Comprehensive Insurance is essential for Buckfield residents seeking comprehensive protection for their vehicles.

When Comprehensive Coverage is Necessary

Comprehensive Insurance is particularly vital in Buckfield, New York, due to the diverse range of risks that vehicles may face. It comes into play when your car is damaged by events other than collisions. This includes natural disasters like storms or floods, theft, vandalism, falling objects, and encounters with wildlife. Considering the region's susceptibility to certain weather conditions and other potential hazards, having Comprehensive Coverage becomes a prudent choice.

Pros and Cons of Comprehensive Policies

Pros:

1. Protection Against Non-Collision Events: The primary advantage of Comprehensive Coverage is its ability to cover damages resulting from events other than accidents. This ensures a broader scope of protection for your vehicle.

2. Financial Safeguard Against Theft and Vandalism: Buckfield, like any other area, faces its share of theft and vandalism risks. Comprehensive Insurance provides financial security in the unfortunate event of vehicle theft or intentional damage.

3. Peace of Mind in Natural Disasters: New York's susceptibility to severe weather, including storms and flooding, makes Comprehensive Coverage a valuable addition. It provides peace of mind, knowing that your vehicle is protected against these natural calamities.

Cons:

1. Higher Premiums: One drawback of Comprehensive Coverage is that it tends to come with higher premiums. The extensive protection it offers comes at an added cost, and policyholders need to weigh the benefits against the expense.

2. Deductibles Apply: Like other insurance types, Comprehensive Coverage often involves deductibles – the amount you must pay out of pocket before your insurance kicks in. Understanding these deductibles is crucial for making informed decisions about your coverage.

3. Not Mandatory: While Comprehensive Coverage provides extensive protection, it's not a mandatory requirement in New York. Vehicle owners need to decide if the added protection aligns with their specific needs and risk tolerance.

In conclusion, Comprehensive Auto Insurance in Buckfield, New York, offers a robust layer of protection against a range of non-collision events. Assessing its pros and cons in the context of Buckfield's unique risks can help vehicle owners make informed decisions about their insurance coverage.

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• American Commerce Auto Insurance Review (2024)

• American Commerce auto insurance primarily offers insurance through independent agents in 18 states. The average auto insurance rates are $372.66/mo. They are a part of larger insurance company MAPFRE Insurance.

• Written by:

• Aremu Adams Adebisi

• Feature Writer

• Aremu Adams Adebisi graduated from college with a B.Sc in Economics. He's currently pursuing his MBA while writing insurance features covering trending topics in the car insurance industry. He's fascinated by the surges of insurtech in an era of decentralized finance (DeFi). Aremu has written for several insurance agencies and companies. He profiles startups on Insideropedia and serves as a con...

• Feature Writer

• Reviewed by:

• 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: May 21, 2024

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• It’s all about you. We want to help you make the right coverage choices.

• Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

• UPDATED: May 21, 2024

• Advertiser Disclosure

• It’s all about you. We want to help you make the right coverage choices.

• Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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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• American Commerce Insurance Company

• Average monthly rate for good drivers:

• A.M. Best rating:

• Complaint level:

• Pros

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• Final Verdict: Review of American Commerce Insurance Company

• If you feel that doing business with an independent agent is the best choice, purchasing a policy from American Commerce/MAPFRE may be worth your time. Ask your agent for a quote and if they know of other products that might better fit your needs.

• If you want online quotes for multiple companies, use our FREE tool below to save money on auto insurance today.

• What You Should Know About American Commerce Insurance Company (Mapfre)

• MAPFRE tends to be a little more expensive than its competitors, but they have excellent rankings in most categories that have shown improvement over time.

• When should you cancel your MAPFRE Auto Insurance policy?

• Before you cancel your MAPFRE auto insurance, ensure you have a new policy in place. Canceling auto insurance without new coverage could leave you with a gap in coverage, which could also increase your rates for your new policy.

• Once you have a new policy in place, you will need to think about the questions below:

• Is there a MAPFRE Insurance Cancellation Fee?

• The MAPFRE website doesn’t specify if there is a cancellation fee for terminating your policy. Given that each state has different rules and regulations when it comes to insurance, you may or may not be required to pay a cancellation fee.

• You may also be required to pay a processing fee, depending on your location and how you pay your bill. Paying directly through their site or a third-party vendor can impact whether or not you will be charged a processing fee.

• Is there a refund?

• The answer to this question is similar to the statement above regarding cancellation fees.

• The laws and rules vary from state to state, so customers in some places may be entitled to a refund while others may not or may only be entitled to a partial refund.

• If you have insurance through MAPFRE, you should contact your independent agent who arranged your policy and find out whether or not you will receive a refund.

• How do I cancel my MAPFRE insurance policy?

• Your first step should be reaching out to your independent agent and letting them know you want to cancel your policy. If you used them to purchase a new policy, they may have already put things in motion to cancel your policy through MAPFRE without any additional work on your part.

• You may also find that your new insurance company will take care of your cancellation, so make sure to ask when setting up your new policy if you are still responsible for canceling your previous coverage.

• If you don’t want to reach out to your agent, you can call the MAPFRE customer service department in your state, and they can connect you to someone who can help you cancel your policy.

• When can I cancel?

• Most states allow you to cancel an auto insurance policy at any time if you have a new policy to replace it to prevent a coverage gap. However, some states may have different rules, so check with your state’s insurance website or your independent agent to make sure you know when you can cancel your policy.

• Policies typically go into effect at midnight and are terminated effective 11:59 p.m. This is the best way to guarantee you are never left with a coverage gap.

• How do I make a MAPFRE Auto Insurance Claim?

• MAPFRE offers several methods whereby individuals can make an auto insurance claim for the first time. The company prefers that you contact the appropriate claims office for your region directly.

• Their website provides phone numbers for both claim centers; that information should also be included in your policy documents and your individual identification cards.

• The second option is to contact your local agent and allow him or her to file your auto insurance claim. If you use this option, keep in mind that you’ll ultimately have to deal with MAPFRE at some point in order to complete your claim.

• Your local agent will be able to take all the necessary information, fill out some of the paperwork for you, and get you in touch with a representative at your regional claims center.

• The third option is to file an online claim form, which can be found on the MAPFRE website. This claim form is a six-step process that can be used either by existing customers filing a claim against their own policy or non-customers filing a claim against a current policyholder.

• The company website offers detailed information and tips and advice for expediting a claim in the claims section. Customers are urged to read this information thoroughly before making a claim.

• The online MAPFRE insurance claims system is shown below:

• Once you select the type of claim you are filing, you will move on to the next screen.

• You can use this option to file a claim on your own insurance or to file a claim against another driver.

• If you file a claim on your policy, your next screen will ask for your policy information.

• Once you have filled in your policy information, clicking through the next keys will submit your claim to an adjuster who will contact you within 24—48 hours.

• How do I get a MAPFRE Auto Insurance quote?

• While many of the largest insurance companies in the country offer online quote systems, MAPFRE requires you to contact an independent agent to get a quote. Read: How can I get an auto insurance agent in my area?

• If you have questions about finding an independent agent in your area, you can always search online or use MAPFRE’s website’s find an agent section. However, it is always best to find an agent separate of an insurance company.

• Using an independent agent not affiliated with any insurance company is the only way to ensure no conflict of interest.

• Is MAPFRE a good insurance company?

• Various organizations rate insurance companies on everything from financial stability to customer complaints, making it easier for customers to choose which insurance company is right for them.

• The ratings for MAPFRE are as follows:

• A.M. Best – As of 2019, A.M. Best gives MAPFRE an A rating on financial stability. Their scale goes from A++ to D, so this is a solid rating but nowhere near the best possible rating for the company.

• Better Business Bureau – The Better Business Bureau rates companies on ethics and consumer complaints by state. While the BBB gives MAPFRE an A+ rating in Massachusetts, MAPRFE insurance reviews on the BBB by consumers on the site only rate the company one star, and there are complaints about it having the worst claim service, so it may be worth your time to do some research before making a purchase.

• Moody’s – Moody’s rates companies based on financial aspects, from Aaa to C, with Aaa being the highest rating and C being the lowest. Most recently, Moody’s upgraded MAPFRE from A3 to A2.

• Standard & Poor’s – Standard & Poor’s, or S&P, also rates insurance companies based on their financial abilities. On a scale from AAA to D, the company gives MAPFRE an A+ rating in 2019, an improvement from its previous A rating.

• JDPower – According to JDPower and Associates, “MAPFRE Insurance ranks highest in the shopping segment, scoring 811. Progressive (803) ranks second, and Erie Insurance (798) ranks third.”

• What is the MAPFRE Auto Insurance history?

• MAPFRE Insurance originated in Massachusetts as The Commerce Group, Inc., founded in Webster, Massachusetts, in 1972.

• MAPFRE provides a full range of insurance products, including coverage for automobiles, homes, motorcycles, watercraft, and businesses. MAPFRE Insurance is part of the MAPFRE Group, a global insurance company on five continents.

• MAPFRE employs more than 38,000 people across the globe and services approximately 34 million clients. In 2011, Fortune and Forbes ranked MAPFRE among the “500 Best and Most Admired Companies in the World.”

• How is MAPFRE’s online presence?

• The MAPFRE website is excellent, giving you significant information in an easy-to-use format.

• The only drawback to MAPFRE’s website is that you cannot get a quote online. Because they require you to get a quote from an independent agent, you cannot use their online system to compare prices with other insurance plans.

• Does MAPFRE have commercials?

• This may seem silly, but not all insurance companies produce commercials, especially if you need an agent to sign up for a policy.

• MAPFRE does produce TV commercials for some of its markets.

• While commercials are not available for every market, it is safe to assume they are advertising (in some fashion) in all 18 states where they do business in the U.S.

• Is MAPFRE involved in the community?

• MAPFRE is involved in every community where they sell insurance. They have a corporate volunteer program that allows their employees to get out into their local communities, they sponsor walks for autism and organizations such as Boston Children’s Hospital, and they offer mentoring programs.

• Because they have locations all over the world, they have volunteers all over the world, too.

•  

• What do MAPFRE employees have to say?

• American Commerce maintains four locations around the country; their Massachusetts office, an Ohio office, and two claim centers on either side of the country.

• Although business records indicate the Massachusetts office is their primary address, the company website lists the Ohio dress as their main office. For your convenience, we have provided information on the Ohio office here:

• American Commerce Insurance Company 3590 Twin Creeks Drive Columbus, OH 43204 Phone: (800) 848-2945

• Employees at these locations and many others have rated their employers on sites like Glassdoor and Payscale.

• According to Glassdoor.com, employees rate MAPFRE as three out of five stars when it comes to being a good place to work, and 53 percent of employees would recommend them to a friend as a good place to work.

• Seventy-eight percent of employees at MAPFRE approve of the CEO, which can be an important point to consider when applying for a job.

• Payscale shows that the company is in line with its competition regarding salary, paying anywhere from $42,000 to $118,000 annually, depending on your job title, experience, and seniority.

• How is the design of the MAPFRE website and app?

• American Commerce and its fellow MAPFRE subsidiaries are committed to utilizing technology to enhance customer service. Their state-of-the-art claims centers, internet portals, and agent networks all strive to make your experience with them as profitable and convenient as possible.

• The corporate website offers customers a wide range of helpful information, from safe driving tips to homeowner advice.

• Furthermore, their internet portal allows managing your account and policies completely online. By signing up for an online account, customers can make payments, modify policies, purchase new policies, and learn all there is to know about auto and homeowners insurance.

• Their smartphone app, GO MAPFRE, is available through the Google Play store, but the reviews are not good. Most app reviews are only one star, with an average rating of 2.8.

• American Commerce Insurance Company (Mapfre) Insurance Coverage Options

• Does insurance pay for towing? What if you are hit by an uninsured driver? Like most companies, MAPFRE offers a variety of types of auto insurance coverage, including:

• Liability auto insurance– Liability insurance protects your financial well-being by paying for damages to the other person’s vehicle if you are at fault in an accident. It also covers medical bills in the event of bodily injuries someone else sustained in an at-fault accident.

• Uninsured Motorist Coverage – Uninsured motorist coverage, often called UM, is mandatory in some states and optional in others. It covers you at the same levels as your liability coverage if you are in an accident where an uninsured driver was at fault.

• Collision auto insurance– Collision insurance protects you by paying for damages to your vehicle if you are at fault in an accident, whether you hit another vehicle or a stationary object, such as a wall or mailbox. If you have a loan on your car, you may be required by the lender to have collision insurance on your policy.

• Comprehensive auto insurance – Comprehensive insurance covers damage to your car that isn’t caused during an accident. Some examples of what might be covered under a comprehensive policy are hail damage, theft, and vandalism. It will also cover you if your car is stolen.

• Medical Payments – Medical payments cover necessary medical and funeral costs for yourself and your passengers in the event of an accident.

• AutoMaster® Package Endorsement (ACIC states) – According to the MAPFRE website, AutoMaster coverage includes:

• Substitute Transportation – If you need a rental car because of an accident, substitute transportation coverage will cover that cost.

• Towing and Labor – When it comes to tow trucks or basic repairs on the side of the road, towing and labor coverage would help cover the cost of those services.

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• American Commerce Insurance Company (Mapfre) Insurance Rates Breakdown

• InsurerMAPFREGeicoAllstate Average Annual Premium$4,472$3,546$4,949 Complaints Score (lower is best)3.00.840.88 Although MAPFRE is higher than Geico, it’s lower than Allstate, so it’s worth looking at their coverage when comparing rates if they are available in your area.

• The table below shows average liability rates by state. Average Annual Liability Auto Insurance Rates by State StateAverage Annual Liability Auto Insurance Rates Alabama$372.57 Alaska$547.34 Arizona$488.59 Arkansas$381.14 California$462.95 Colorado$477.10 Connecticut$633.95 Delaware$776.50 District of Columbia$628.09 Florida$845.05 Georgia$490.64 Hawaii$458.49 Idaho$337.17 Illinois$430.54 Indiana$372.44 Iowa$293.34 Kansas$342.33 Kentucky$518.91 Louisiana$727.15 Maine$333.92 Maryland$599.48 Massachusetts$587.75 Michigan$722.04 Minnesota$439.58 Mississippi$437.38 Missouri$399.41 Montana$387.77 Nebraska$349.07 Nevada$647.07 New Hampshire$393.24 New Jersey$865.55 New Mexico$462.21 New York$784.98 North Carolina$357.59 North Dakota$282.55 Ohio$376.16 Oklahoma$441.57 Oregon$553.43 Pennsylvania$495.02 Rhode Island$720.06 South Carolina$497.50 South Dakota$289.04 Tennessee$397.73 Texas$498.44 Utah$471.26 Vermont$340.98 Virginia$413.12 Washington$568.92 West Virginia$501.44 Wisconsin$359.84 Wyoming$323.38 U.S. Average$516.39

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• Here’s a look at average rates for collision coverage across the U.S. Collision Auto Insurance Monthly Rates by State StateRates Alabama$25 Alaska$30 Arizona$22 Arkansas$25 California$30 Colorado$22 Connecticut$29 Delaware$25 District of Columbia$37 Florida$21 Georgia$27 Hawaii$25 Idaho$17 Illinois$24 Indiana$20 Iowa$17 Kansas$21 Kentucky$21 Louisiana$33 Maine$21 Maryland$28 Massachusetts$30 Michigan$32 Minnesota$18 Mississippi$25 Missouri$22 Montana$21 Nebraska$19 Nevada$24 New Hampshire$23 New Jersey$30 New Mexico$22 New York$30 North Carolina$22 North Dakota$19 Ohio$21 Oklahoma$25 Oregon$18 Pennsylvania$26 Rhode Island$31 South Carolina$21 South Dakota$17 Tennessee$24 Texas$28 Utah$21 Vermont$23 Virginia$22 Washington$21 West Virginia$27 Wisconsin$17 Wyoming$23 U.S. Average$25

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• Below you can see state averages for comprehensive coverage. Comprehensive Auto Insurance Monthly Rates by State StateRates Alabama$12 Alaska$12 Arizona$15 Arkansas$15 California$8 Colorado$13 Connecticut$11 Delaware$9 Florida$9 Georgia$13 Hawaii$8 Idaho$9 Illinois$10 Indiana$10 Iowa$14 Kansas$19 Kentucky$11 Louisiana$17 Maine$8 Maryland$12 Massachusetts$11 Michigan$12 Minnesota$14 Mississippi$16 Missouri$14 Montana$17 Nebraska$17 Nevada$10 New Hampshire$9 New Jersey$10 New Mexico$14 New York$13 North Carolina$10 North Dakota$19 Ohio$9 Oklahoma$17 Oregon$7 Pennsylvania$11 Rhode Island$10 South Carolina$14 South Dakota$19 Tennessee$11 Texas$16 Utah$9 Vermont$10 Virginia$11 Washington$9 Washington, D.C.$19 West Virginia$16 Wisconsin$11 Wyoming$19 U.S. Average$12

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• You must contact a MAPFRE insurance agent to get a quote for their policies.

• Is MAPFRE the same as Commerce Insurance? To clarify, MAPFRE owns American Commerce, which operates as a subsidiary. So they are the parent company, and American Commerce sells insurance under that name. MAPFRE also operates under a few different names and locations, including MAPFRE Insurance of New York, MAPFRE Florida, and Citation Insurance Company.

• Typically, smaller insurance companies or companies requiring independent agents have higher rates than larger insurers. Still, they may offer unique products or stellar customer service to make up for the difference. If these things are important to you, contact an independent agent in your area to learn more.

• American Commerce Insurance Company (Mapfre) Discounts Available

• Some companies offer discounts for good driving records, high grades for student drivers, hybrid vehicles, and many more. MAPFRE has several available auto insurance discounts, including:

• These are not the only discounts available, so be sure to ask your agent about other possible discounts if you choose to sign up for a plan with MAPFRE.

• Frequently Asked Questions

• What is American Commerce Auto Insurance?

• What is American Commerce Auto Insurance?

• American Commerce Auto Insurance is an insurance company that offers auto insurance coverage for vehicles. They provide various policies to protect drivers and their vehicles against potential risks.

• What types of auto insurance coverage does American Commerce Auto Insurance offer?

• What types of auto insurance coverage does American Commerce Auto Insurance offer?

• American Commerce Auto Insurance offers a range of coverage options, including liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, personal injury protection (PIP), and more. The specific coverage options may vary based on the policy and state regulations.

• How can I contact American Commerce Auto Insurance?

• How can I contact American Commerce Auto Insurance?

• To contact American Commerce Auto Insurance, you can reach out to their customer service department through phone, email, or other contact methods provided on their official website or policy documents.

• How can I file a claim with American Commerce Auto Insurance?

• How can I file a claim with American Commerce Auto Insurance?

• To file a claim with American Commerce Auto Insurance, you can contact their claims department directly. They will guide you through the claims process, provide the necessary forms, and assist you in gathering any required information. It is important to report accidents or incidents promptly to initiate the claims process.

• Does American Commerce Auto Insurance offer roadside assistance?

• Does American Commerce Auto Insurance offer roadside assistance?

• American Commerce Auto Insurance may offer optional roadside assistance coverage as an add-on to their policies. Roadside assistance can provide services such as towing, jump-starts, fuel delivery, and lockout assistance in case of emergencies or breakdowns while on the road. The availability of this coverage may vary based on the policy and state regulations.

• Can I manage my American Commerce Auto Insurance policy online?

• Can I manage my American Commerce Auto Insurance policy online?

• Yes, American Commerce Auto Insurance typically provides an online portal or mobile app that allows policyholders to manage their policies. This may include tasks such as making payments, viewing policy documents, updating personal information, and accessing digital ID cards.

• How are American Commerce Auto Insurance premiums determined?

• How are American Commerce Auto Insurance premiums determined?

• American Commerce Auto Insurance calculates premiums based on several factors, including the driver’s age, driving history, location, type of vehicle, coverage options selected, and other relevant factors. Premiums can vary from person to person based on these factors.

• Does American Commerce Auto Insurance offer discounts?

• Does American Commerce Auto Insurance offer discounts?

• American Commerce Auto Insurance may offer discounts to eligible policyholders. These discounts can vary but commonly include safe driver discounts, multi-policy discounts, good student discounts, and discounts for certain safety features installed in the vehicle. The availability and specifics of discounts may vary based on the policy and state regulations.

• Can I cancel my American Commerce Auto Insurance policy?

• Can I cancel my American Commerce Auto Insurance policy?

• Yes, policyholders generally have the option to cancel their American Commerce Auto Insurance policy. However, the specific terms and conditions related to cancellations may vary. It’s advisable to review the policy documents or contact the company directly to understand the cancellation process and any applicable fees or penalties.

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• Aremu Adams Adebisi

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• Aremu Adams Adebisi graduated from college with a B.Sc in Economics. He's currently pursuing his MBA while writing insurance features covering trending topics in the car insurance industry. He's fascinated by the surges of insurtech in an era of decentralized finance (DeFi). Aremu has written for several insurance agencies and companies. He profiles startups on Insideropedia and serves as a con...

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• 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...

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