Amco Car Insurance Review 2024

What is Amco Auto Insurance? It is an insurance company loosely affiliated with the Allied subdivision of the Nationwide Mutual Insurance conglomerate that offers many types of insurance policies, much like other car insurance companies. This Amco car insurance review will answer all your questions about the company. You can use this information to decide if Amco is the right fit for you.

Whether you’re looking for something specific, like the Amco Insurance claims phone number, or just want general information on the company, we can help. We’ve put together this review so you can be more prepared while shopping around and comparing prices for your car insurance policy.

Before starting this Amco car insurance review, start comparing auto insurance quotes for free right now; just enter your ZIP code above to get started finding affordable car insurance near you.

Amco Insurance Average Monthly Rates vs U.S. Average

Factors Influencing Amco Car Insurance Costs

When it comes to choosing the right car insurance policy, understanding the costs involved is crucial. Amco Car Insurance offers a range of coverage options, and the cost of your policy can vary depending on several factors. These may include:

• Coverage Type: The type of coverage you choose, whether it’s basic liability or comprehensive coverage, will significantly impact your premium.
• Location: Your location plays a role in determining your insurance costs. Factors such as the rate of accidents and theft in your area can affect your premiums.
• Driving History: Your driving record, including accidents, violations, and claims, will influence your insurance rates. Safe drivers typically pay less.
• Vehicle Type: The make and model of your car, its age, and safety features can affect your insurance costs.
• Personal Information: Factors like your age, gender, and marital status can be used by insurers to calculate your premium.
• Discounts: Amco Car Insurance may offer various discounts, such as multi-policy or safe driver discounts, which can help reduce your costs.

Amco Car Insurance offers a variety of coverage options, and the cost of your policy is determined by multiple factors, including coverage type, location, driving history, and more. To get an accurate quote and find the most affordable car insurance policy for you, it’s advisable to contact an Amco insurance agent who can provide personalized information based on your specific circumstances.

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What Amco Auto Insurance coverages are offered?

One of the first items on the agenda when purchasing your car insurance policy is to decide how much coverage you need. A car insurance policy is a contract between a driver and his or her insurance company.

Typically, it states that in exchange for a monthly premium paid by the driver, the insurance company will pay for losses, as defined by the insurance policy, in the event of an accident or some other form of property damage to the driver’s automobile. If you have liability insurance only, it will cover the other party’s damages up to the stated limits in the policy. If you choose more comprehensive coverage, your policy would cover your injuries or auto damage, again up to the policy limits.

Car insurance is mandatory in almost all 50 states and the District of Columbia.

Every state has its car insurance requirements and regulations, and its own penalties for failing to comply with the state’s insurance requirements.

According to NOLO, the minimum state requirements for the state of Texas are as follows:

• $30,000 for bodily injury liability per person injured in an accident you cause
• $60,000 for total bodily injury liability when two or more people are injured in an accident you cause, and
• $25,000 for property damage per accident you cause.

If you’re financing your vehicle, your loan company may require you to carry full coverage insurance. Otherwise, you’ll need at least the minimum amount of liability auto insurance required by the car insurance laws in your state of residence.

If you choose to purchase more than your state’s required minimum liability insurance, you’ll need to choose your coverage and deductible levels based on the amount of protection you want and what you can afford.

Amco Car Insurance provides a full range of personal automobile coverages including non-owners insurance SR-22 policies and high-risk driver policies. You can view them in the table below.

Car Insurance Coverage Offered by Amco

Most states require drivers to carry some combination of these coverages, but not all six. What is comprehensive car insurance? It’s insurance that covers the car should damage occur from natural forces. Keep scrolling to learn more about the auto insurance coverage options available to you.

Read more: Does car insurance cover an ambulance?

What are the Discounts Offered by Amco Car Insurance?

Generally, your car insurance discount options depend on what each provider has to offer, but many discounts are standard throughout the industry.

The table below shows some of the most common car insurance discounts available, an estimate of how much money each can save you, and the major car insurance companies that offer the discount. Be sure to check for these discounts when seeking out affordable Amco auto insurance.

Standard Auto Insurance Discounts Offered by Major Companies

As you can see, it’s always a good idea to check with your insurance provider to see what types of discounts you may qualify for, as they can save you a lot of money on your car insurance.

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How to Make an Amco Car Insurance Claim

Unfortunately, at this time there is no way for an Amco policyholder to file a car insurance claim online. In the event that you need to file a claim, you must contact the company directly by one of the following methods:

• Amco Car Insurance claims phone number: 1-713-771-2626
• Amco Car Insurance fax number: 1-713-490-3214
• Amco Car Insurance claims email: [email protected]
• Utilizing the contact form on the Amco Car Insurance Website

Watch the video below to get an idea of what you can expect during the claims process.

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Features of Amco Car Insurance’s Digital and Technology

Mobile App Features and Functionality

Amco Car Insurance offers a user-friendly mobile app that allows policyholders to manage their insurance accounts on the go. The app provides features such as policy information access, bill payments, claims tracking, and even roadside assistance requests for added convenience.

Online Account Management Capabilities

With Amco’s online account management capabilities, policyholders can easily access and manage their insurance accounts from their computer or mobile device. This includes tasks like updating personal information, reviewing policy documents, and making payments online, making it a hassle-free experience.

Digital Tools and Resources

Amco provides policyholders with a range of digital tools and resources to enhance their insurance experience. These include educational resources on insurance topics, premium calculators, and tools to help customers make informed decisions about their coverage options. Amco is committed to leveraging technology to empower their customers in managing their insurance needs effectively.

Customer Feedback from Amco Car Insurance Policyholders

Policyholder feedback is a valuable resource for assessing the overall performance and customer satisfaction with Amco Car Insurance. Here are some general sentiments shared by policyholders:

• Many policyholders appreciate Amco’s competitive rates, which have allowed them to secure affordable coverage.
• The convenience of managing policies through Amco’s online account management system has received positive mentions.
• Some policyholders have had positive experiences with Amco’s customer support team, citing their responsiveness and helpfulness in addressing queries and concerns.
• Bundling options for combining auto and home insurance have been a significant factor in cost savings for several policyholders.

Feedback from Amco Car Insurance policyholders highlights a mix of positive and, in some cases, minor areas for improvement. It’s essential to consider this feedback along with your specific needs and circumstances when evaluating Amco as a potential car insurance provider.

History and Mission of Amco Car Insurance

Understanding the history and mission of Amco Car Insurance provides valuable insights into the company’s background and its core principles. This section explores Amco’s journey and the mission that guides its operations.

Amco Car Insurance was founded in Houston, Texas, in 1987. Over the years, the company has become a prominent player in the insurance industry, offering a range of insurance products to meet the needs of policyholders. It’s worth noting that Amco was recognized as the third fastest-growing company in the Houston metro area at one point in its history, indicating its commitment to growth and expansion.

Amco Car Insurance’s mission centers on providing reliable and affordable insurance coverage to its customers. While specific mission statements may not be publicly available, the company’s actions and practices align with a commitment to delivering quality service and value. Amco aims to cater to the diverse insurance needs of its policyholders, offering solutions that are accessible, competitive, and responsive.

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How can you get Amco Auto Insurance rates?

Are you asking yourself, “what are the best auto insurance companies?” Wondering what insurance company has the best auto rates? You’re not alone.

While cheap car insurance isn’t always the deciding factor when it comes to choosing an auto insurance policy, it’s usually one of the most important. You can look at the table below to get an idea of what you might pay for car insurance depending on how much coverage you decide to buy. The table shows the national average annual rates based on coverage levels. Be sure to compare these national average car insurance rates with Amco auto insurance quotes.

Average Annual Car Insurance Rates by Coverage Type

These are just guidelines. Actual rates for car insurance will depend on a variety of factors such as age, gender, driving history, and vehicle theft rates in your area, provided by the FBI.

If you’re looking for the lowest rate and want a quote from Amco, the best approach is to contact an insurance agent. They can advise you on different options and run quotes for you. If you don’t live in the state of Texas, agents can help you get quotes from other Allied or Nationwide insurance companies affiliates.

What is Amco’s availability by State?

At this time, it appears that Amco Auto Insurance is only available to residents of the state of Texas. It’s affiliated with Allied, which offers a broader range of insurance products in different states. The company’s only office location is in Houston at the following address:

• Amco – Galleria
  888 W. Sam Houston Parkway S. Suite 188
  Houston, TX 77042
  (713) 771-2626

Most previous Amco Car Insurance Company locations have closed down, including Amco Car Insurance, Corpus Christi’s office, and the Amco Insurance location on Telephone Rd.

So if you’ve come to this article with the question, “Where is there an Amco auto insurance near me?” your only option is the Houston agency (or contacting the company online).

Amco provides insurance coverage in the Houston area as well as the entire state of Texas.

What are Amco’s bundling options?

Many car insurance providers offer different bundling options. Bundling your insurance refers to purchasing multiple policies from the same company. For example, you can purchase your car insurance policy as well as your life insurance from the same company if you choose. Most insurance companies offer a discount of anywhere from 5 to 25 percent if you choose to bundle.

Check out the video below to learn about the pros and cons of bundling your insurance policies.

Many companies offer multi-car discounts, also. You can think of this as a way of bundling as well, but in this case, you’re buying car insurance for multiple vehicles. Car insurance companies offer up to a 25 percent multi-car discount on combined policies.

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What programs are Available From Amco Car Insurance?

The company’s chief insurance product is car insurance, but that’s not all they offer. Amco provides commercial car insurance, motorcycle insurance, homeowners insurance, renters insurance, and business and commercial insurance.

Amco services its customers in a variety of ways. Customers have the option of visiting the physical location of the insurance agency, and customers can also request insurance quotes and policy service online on Amco’s website.

Amco was founded in Houston, Texas in 1987. At one time, Amco was the third fastest-growing company in the Houston metro area. It still employs over 800 people and has received an award for job creation in the region.

How to Cancel Your Amco Auto Insurance Policy

What should you do if you need to cancel your policy? You can watch the video below to get an idea of what to expect should you need to cancel your car insurance policy.

Keep reading to learn more.

Is there a refund?

Whether you can get a refund on your policy depends on the type of policy and when you choose to cancel. If you choose to cancel a refundable policy in the middle of the policy cycle, you’ll receive roughly half of what you paid, assuming that you only paid for that cycle.

Since refund amounts may vary and depend on a variety of factors, you should always check with your insurance agent to see what factors apply to you.

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How do you cancel?

You can cancel your policy at any time simply by contacting your insurance agent and letting them know that you’d like to cancel your policy. Your agent will let you know when the changes will take effect and whether you’re entitled to a refund of any policy premiums you’ve paid in.

When can I cancel?

You can cancel your policy at any time simply by contacting your insurance agent and letting them know that you’d like to cancel your policy. Once you’ve canceled your policy, any excess premiums will be refunded to you promptly.

What are Amco Car Insurance ratings?

While Amco is not accredited by the Better Business Bureau (BBB), it does not have reviews or complaints on the BBB website, either. The company is also not listed with A.M. Best’s Rating System, but you can find some Amco Insurance reviews and testimonials on the Amco website.

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What’s the bottom line?

Amco insures motorists for either a six-month or a one-year term. The company will notify its policyholders when it’s time to make a payment or when a policy is about to expire. If you already have Amco car insurance rate quotes, make sure to compare rates from other companies to see what they offer before buying an Amco car insurance policy.

You know everything you need to know about Amco car insurance, and we hope that you’ll feel more confident in purchasing your policy. Which part of this guide was the most helpful for you?

Now that you’ve finished this Amco car insurance review, enter your ZIP code below and start comparing FREE car insurance quotes now.

Frequently Asked Questions: Amco Car Insurance

In this section, we answer some of the most commonly asked questions about Amco car insurance. Some of the answers may have been covered in part or in full in the guide above.

#1 – Does Amco Insurance offer SR-22 insurance?

If you’ve had more than your fair share of traffic citations, automobile accidents, and/or car insurance claims, you may be considered a high-risk driver.

Normally, high-risk drivers are required to purchase SR-22 insurance, which isn’t available through all companies, so it may take some looking around to find coverage.

Amco Insurance does provide SR-22 insurance, but it can be expensive. The filing fee to get SR-22 insurance is only $15-$35, but the increase in rates for SR-22 insurance when compared to rates for drivers without any driving violations on their records is steep.

Rate increases for driving violations that result in a driver being forced to carry SR-22 insurance can be as much as $541 a month.

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#2 – What kinds of questions should I be prepared for when purchasing my car insurance policy?

When you apply for a car insurance policy, you’ll be asked a series of demographic questions such as your name, age, and sex. You’ll also be asked a variety of other questions aimed at assessing your risk as a driver.

Some of the things the insurance company will want to know about are your driving record, the type of vehicle you’re insuring, and whether you’ve had any tickets or accidents in the past.

Once this information is collected, the auto insurance company uses this data to assess your risk as a driver and determine your policy rates.

This is known as the underwriting process. By using this method of risk evaluation, car insurance companies can reduce their chances of losing money on issued policies. They’ll examine your risk factors and decide if they want to insure you, and if so, at what rate.

#3 – Are there benefits to using an agent to purchase car insurance?

While it’s possible to buy your car insurance policy directly instead of through an agent, there are some possible downsides to doing so.

First of all, if you choose to go with a local agent, you’ll get the advantage of more personalized service. This experience is just not possible when you purchase directly from a large company. With a local agent, you may speak to the same person about your policy every time.

Many people believe that buying directly from the company can save them money by cutting out the figurative “middleman,” but this theory fails to take into account the large budget that these companies use for direct marketing.

This can even out the playing field when it comes to price, meaning that a local agent can often offer you the same prices you’d see when buying directly from a large insurance company.

#4 – How does adding drivers to my car insurance policy affect my rates?

Adding another driver to your car insurance policy means that your car will be spending more time on the road since a second person will be driving it. That alone is enough to raise your rates, but adding someone else to your car insurance policy also means that your rates will be affected by that driver’s perceived risk as well.

For example, adding a teenager to your policy can raise your car insurance rates drastically since teenage drivers are inexperienced, and car insurance companies see them as high-risk.

There are restrictions as to who you can add to your car insurance policy. Most companies will only allow you to add people in the same household.

Always check with your car insurance provider to see who you can add to make sure that whoever is driving your vehicle is covered on the policy.

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#5 – Why would my provider cancel my car insurance policy?

Your car insurance provider may cancel your policy if you do any of the following:

• Get your driver’s license suspended or revoked
• Lie during the application process
• Fail to pay your car insurance premium

Your car insurance company may also choose not to renew your policy if they determine you to be a high-risk driver.

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