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You may have trouble finding the best insurance companies if you’re looking at a smaller one with little information on its website. We’re ready to assist you if you need it. We’ve done the legwork and compiled it all in one place for you in this Agency Insurance Company review: what policies are offered by Agency Insurance Company, who sells these policies, the financial information and consumer ratings of the company, and any customer complaints against them. Learn more about AIC car insurance quotes and other topics by continuing to read this article.
Agency Insurance Company of Maryland (AIC) is a regional car insurance company that’s relatively new to the scene. AIC offers a comprehensive selection of coverage options and promises competitive rates for everything from personal vehicles to commercial and speciality vehicles.
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How Expensive Is AIC Insurance?
There is no online quoting at AIC, but you can speak with an agent to get one. We can’t provide a rate comparison because the company doesn’t provide quotes online and also doesn’t write policies in our rate test states.
They promise low rates, but they only write insurance through agents, which means premiums will be higher than with companies that sell directly to consumers. The premiums charged by small regional insurance companies are rarely as high as those charged by large national insurers.
Mandatory reporting data from insurance companies selling policies in Maryland can give us an idea of AIC’s rates. Maryland’s Insurance Administration publishes Insurance rates for specific scenarios using this data, giving consumers an apples-to-apples comparison.
Because car insurance rates take a variety of factors into account, each situation is unique.
What Kinds of Insurance Does AIC Provide?
Auto Insurance Company of America (AIC) offers coverage for a wide range of vehicles, including personal cars, trucks, and SUVs. Motorcycles and off-road vehicles are included in the scope of the law.
Is Car Insurance Available Through AIC?
When it comes to standard auto insurance, AIC covers everything from liability to comprehensive and collision coverage to roadside assistance and rental reimbursement. Many discounts are also available, such as those for bundling policies, for homeowners (not for auto-home owners), and paid-in-full policyholders.
Accident forgiveness is a popular add-on that isn’t always offered by smaller insurers, and AIC provides it. If you’re at fault in an accident and purchase accident forgiveness as part of your car insurance, your premiums will not increase. This is an attractive option. If you’re not sure about anything, always read the fine print to be safe.
Is AIC Applicable to Other Types of Vehicles?
With coverage and availability varying by state, AIC also offers coverage for a wide range of other types of automobiles, such as:
AIC Insures the Following Models of Private Cars:
Vehicles with a High Level of Privacy Covered
- Motorcycles
- Mopeds
- Snowmobiles
- Scooters
- Segways
- Carts for golf
AIC also offers personal coverage, which may include the following options:
AIC offers personal insurance policies for individuals. Personal Liability Insurance
- Injury to Persons / Damage to Property
- Expenses associated with treatment
- Uninsured and underinsured motorists with PIP
- Towing and Labor Rental Reimbursement for Comprehensive/Collision
- Added Tools and Resources
What Is the Procedure for Handling AIC Insurance Claims?
It is possible to submit a claim to AIC by phone, fax, or email. To contact the AIC’s 24-hour toll-free claims line, call 1-800-841-5241. There is only one local fax number: 410-684-3271.
[email protected] is the email address for AIC. There is no other way for customers to submit a claim online, and there is no AIC login because there is no online claims form for direct submission to the company.
Despite the similarity in their names, AIC Insurance Schools and AIC are separate companies.
AIC’s mobile app, which you can find by searching for “Agency Insurance Company” or “AIC Mobile” in the App Store or Google Play, also allows you to access personal auto policy information. The app will ask for your email address, policy number, and ZIP code once you’ve downloaded it. When you do this, policyholders will be able to view and pay for claims and receive assistance in the event of an accident or claim.
There is no additional information is available on the company website about the claims process, but this is likely to be a standard procedure, with claims being assigned to an adjuster who conducts an investigation and determines whether or not there are any available benefits.
It’s also unclear from the website if AIC maintains a preferred vendor network for ensuring quality repair work. A multi-state regional insurer like AIC does not always provide this service, but it is not unheard of.
A claims information page on the website would be a welcome addition, as it would give customers a better understanding of the claims process.
What are AIC Insurance Pros and Cons?
Pros
The Better Business Bureau has given AIC (as Agency Services, Inc.) a B+ rating right now (BBB). In the last few years, the company has received 20 complaints, in which they resolved nine in the last year. Based on the BBB’s evaluation of how quickly and relevantly AIC responded to these complaints, this B+ rating represents how AIC interacts with its customers.
The company’s ratings on Google splits evenly between positive and negative, with an average rating of somewhere in the middle. Considering that insurance agents and customers both post comments, it’s possible that relying on the overall rating number is a mistake.
Cons
Poor customer service and poor claims handling are the two most common complaints from customers and those involved in accidents involving an AIC client. Dissatisfaction with the results of claims investigations and AIC’s billing processes were common complaints.
Maryland Agency Insurance Company is a company that provides insurance to individuals and businesses in Maryland.
As a low-cost auto insurance provider for Marylanders, Agency Insurance Company (AIC) was established in 1990. Since then, it has added two more states to its coverage, providing insurance in both Pennsylvania and Virginia. Hanover, Maryland, is home to the company’s headquarters.
With AIC, you won’t have to choose between car insurance and motorcycle insurance anymore. The company’s goal is to offer comprehensive insurance coverage at a reasonable price with a flexible programme that includes a wide range of options and benefits.
Another benefit promised by AIC is low down payments and flexible payment options; these are typically offered by alternative insurance companies (such as AIC). AIC, on the other hand, makes no attempt to position itself as a speciality insurer.
They do not provide online quoting or direct sales for AIC policies, which are sold by independent agents in the states they serve. In Maryland, Pennsylvania, and Virginia, there are over 1,500 AIC agents, so you won’t have to travel far if you need an AIC agency.
Insuring With AIC: What’s in It for Me?
Although AIC is new to the insurance market, it promises low rates, which we can’t verify because of the absence of online quoting. Even though they aren’t classified as an outlier, they give the impression of serving a lower-end clientele and may be more appealing to those who haven’t had good experiences working with larger corporations in the past.
There are a few issues with AIC, but nothing major. Additionally, the company’s website is devoid of useful information, making it difficult to give the company a high recommendation. Even if you’re already getting multiple quotes from agents offering AIC’s products, you might want to look into it for the sake of price comparison, but you should shop around and see what other companies are charging before you sign on the dotted line. There are pretty good loans options available online which might attract you.
FAQs
In what way can you reach the AIC insurance company?
It is possible to submit a claim to AIC by phone, fax, or email. To contact the AIC’s 24-hour toll-free claims line, call 1-800-841-5241. There is only one local fax number: 410-684-3271.
Is AIC insurance rated in any way?
The AIC Insurance Complaints and Reviews are exactly what they sound like. The Better Business Bureau has given AIC (as Agency Services, Inc.) a B+ rating right now (BBB). In the last three years, the company has received 20 complaints, nine of which were resolved in the last year.
Do the residents of Maryland have access to AIC insurance?
AIC appears to file a large number of subrogation cases in Maryland for a small insurance company. Searching for cases involving Agency Insurance Company on Maryland Judiciary Case Search yields a surprising number of results. This seems to be almost exclusively AIC subrogation claims.
Is it possible to use your AIC auto insurance while on the go?
BE SMART. AIC is pleased to announce the availability of a new personal automobile application. You can now use AIC’s mobile app to make payments and get payment reminders! Anytime, anyplace, you can manage your personal auto insurance policy with AIC’s mobile app.