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The Auto Club Group Auto Insurance Ratings
Ranked
No. 1 Overall
Other Companies to Consider:
Reasons for Buying from The Auto Club Group
Customers of The Auto Club Group originally decided to purchase from the company for these reasons:
| Offered best price | 24% |
| Saw online ad | 19% |
| Recommended by friend or family member | 16% |
| Reputation | 12% |
| Was the company my parents had | 9% |
| The company website and mobile apps are easy to use and helpful | 7% |
| Financial Strength rating | 6% |
| I had other insurance with this company | 4% |
| Saw TV commercial | 3% |
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About The Auto Club Group (ACG)
Types of Auto coverage (Offerings may vary by state)
- Personal Auto
- Motorcycle
- Off road vehicles
- Recreational vehicles (RV)
Other types of insurance and services(Offerings may vary by state)
- Boat
- Homeowners
- Condo
- Renters
- Personal umbrella
- Life
Best Auto Insurance Companies 2020: How The Auto Club Group Insurance Stacks Up
The Auto Club Group (ACG) took the checkered flag in the 2020 survey ranking No. 1 both overall and in all individual categories. It earned the top overall score of 91.72, outpacing the No. 2 ranked carrier by two points. Its highest score of 94.12 earned it the No.1 spot for claims handling. For customer service, ACG lead the pack with a score of 92.2. It’s score of 92.13 also earned ACG the top honor in the website and app usefulness category. On value for price, it placed first with a score of 89.4. Ninety-four percent of surveyed policyholders said they would recommend ACG, and 96% said they would renew their coverage with the company
Gauging an insurance company
Before buying with a company it is wise to check on a company's financial strength and complaint record. The A.M. Best rating listed above gives you an idea of The Auto Club Group's financial strength to pay claims. A complaint ratio can be found on the National Association of Insurance Commissioners (NAIC) site. The median complaint ratio from the NAIC is always 1.00. This means half of the insurers have a complaint ratio of under 1.00 and half have a ratio above. Basically, numbers lower than 1.00 are better with fewer complaints than the median and a number higher than 1.00 has more complaints than the median. For auto insurance, The Auto Club Group (NAIC# 21202) had a complaint ratio of 0.53 for 2018. 2019 complaint numbers will be available in 2020.
Company Background
Second largest AAA Club
The Auto Group (ACG) is part of the countrywide AAA-affiliated insurance companies. ACG is the second largest AAA club in North America, servicing over nine millions members. ACG started in Dearborn, Michigan in 1916 but now has a long reach nationwide as it offers services in 11 states as well as two U.S. territories (U.S. Virgin Islands and Puerto Rico). Look for its car insurance policies in the following states:
- Florida
- Georgia
- Illinois
- Indiana
- Iowa
- Michigan
- Minnesota
- Nebraska
- North Dakota
- Tennessee
- Wisconsin
Consider ACG for perks and discounts that come with your AAA membership.
AAA has over 56 million members in the U.S. and Canada to which the AAA organization offers considerable offerings of discounts, programs and services. Offerings not only include insurance and road side assistance but also travel agencies, financial services and car buying services. Discounts with numerous partners is an added bonus. Another benefit is AAA Accident Assist, which is a part of your auto policy. When you initiate an accident claim, roadside assistance is dispatched if your vehicle needs towed. AAA then guarantees repairs for the life of the vehicle if you use an AAA Direct repair shop.
Contact information
Corporate Headquarters
1 Auto Club Drive
Dearborn, MI 48126
Customer Service and claims phone numbers vary depending on what state you are a member in.
Coverage Options
Pet injury coverage. Pays vet bills for dogs or cats injured in a crash (up to specificed limits).
Usage-based/Telematics. Rates can be based on your mileage and how you drive.
Mobile app. The insurer offers an app for smartphones.
Accident forgiveness. Your rates won't increase after your first accident.Discounts
Multi-vehicle. Discount for two or more vehicles on the same car insurance policy.
Driver training/Defensive driving. Discount for an approved defensive driving or driver improvement class.
Passive -restraint (air bag). Discount for factory-installed safety devices such as an air bag.
Safe driver/clean driving record/good driver. Discount for no accidents or traffic violations, usually for three or five years.
Multi-policy. Discount for more than one type of policy with the same insurance provider.
Academic achievement. Discount for full-time students who meet certain academic criteria.Feedback of Surveyed Policyholders
Our survey asked policyholders to share experiences or give feedback that they would
like to share with others looking to potentially buy from their current insurance company. Here's what they had to say:
Positive Feedback
Neutral/Negative Feedback
"They have good coverage. But they drop your coverage instantly if anything is wrong even if it is not your fault. I accidentally missed a payment and instead of contacting us the insurance company just dropped four coverage and never even notified us afterwards. So we unknowingly had no insurance."
"Very decent in approach"
"Bad because they not fulfills needs of customers."
"I am happy with the rates and ease of reading statements. I did not think their customer service was very prompt or responsive in handling a claim - I don't think I should be the one who has to follow up over and over."
"Efficient and decent service"
"Convenient is the correct word for them"
"I really have no claims experience at all and since there is no one agent assigned to me. I have no person that I can say is great or not. it is adequate but not my preferred. Has good prices on bundles, but overall, a big comany that does not give you personalized service. if that doesn't bother you, I would say you would like them, but if you want personalized care, this is not the one for you."
"Take care of your needs, but be sure to not go overboard. Be practical with what you buy, because the insurance company will refuse to reimburse you for frivolous things"
"Insurance policies require policyholders to file their fire insurance claims as soon as possible"
"The insurance company will require you to submit a proof of loss claim"
"A necessary evil"
"Dealing with the insurance company is a very convoluted process involving countless calls, emails, letters, and documents."
"If your insurance company wants proof of a document, make them a copy but keep the original. and follow the all instructions"
"Neither good or bad, just became a customer"
"Sometimes slow response, else is ok"
"Consider hiring a public adjuster because claims process is so hard"
"Most states give insurance companies specific timelines for claims, not sure they follow it"
"The insurance company will require you to take reasonable care of your property"
"It's okay"
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"Always helpful, price are good too"
-Age 18-36, Illinois"I would want them to see that they work fast and give you attention."
-Age 18-36, Illinois"Very fair about our policy and customer services"
-Age 18-36, Illinois"They've always gone above and beyond to provide great customer service."
-Age 18-36, Indiana"Caring and provide best help to you"
-Age 18-36, Michigan"Costs are extremely honest to the protection you are getting"
-Age 18-36, Michigan"I am delighted that I am with them"
-Age 18-36, Michigan"My agent actually knows me"
-Age 18-36, Michigan"Offers promotion scheme for all people"
-Age 18-36, Michigan"Really good plans for us"
-Age 18-36, Michigan"Staff are exceptionally useful and quick"
-Age 18-36, Michigan"They are gaining customers day by day due to their amazing service"
-Age 18-36, Michigan"They do a fine job, I am going to shop around for a better rate now that we have moved into a new house"
-Age 18-36, Michigan"They work restlessly until they provide a solution for your issue"
-Age 18-36, Michigan"Free towing once a year has been a HUGE help along with roadside assistance"
-Age 18-36, Wisconsin"Honestly, not getting any thing negative"
-Age 18-36, Florida"I always trust on this company"
-Age 18-36, Florida"Thanks to this company for providing me unbiased guidance with no extra charge"
-Age 18-36, Florida"The truth is that the company always attends to my needs, requirements, etc. This is why I stay with this company."
-Age 18-36, Florida"They are at par with their professionalism and at times acted better than insurance companies"
-Age 18-36, Florida"They give needful services"
-Age 18-36, Florida"They usually provide good customer service and give me quick responses when I contact them."
-Age 18-36, Florida"This company has lots of good products"
-Age 18-36, Florida"I like their professional attitude"
-Age 37-52, Florida"Pretty good experience with this company"
-Age 37-52, Florida"They have great prices and good customer service"
-Age 37-52, Florida"You get timely response"
-Age 37-52, Florida"Discounts and great services"
-Age 37-52, Illinois"Customer service is very humble and fast"
-Age 37-52, Michigan"I am relieved, that I bought a policy from them"
-Age 37-52, Michigan"In general, great experiences so far"
-Age 37-52, Michigan"Its a fruitful and healthy customer-company relationship"
-Age 37-52, Michigan"My insurer is better than most"
-Age 37-52, Michigan"Probably the best company"
-Age 37-52, Michigan"Safe for me, I have complete coverage"
-Age 37-52, Michigan"They are better than my previous insurer"
-Age 37-52, Michigan"They are considerate, efficient and have benefits most other companies don't have such as roadside assistance that includeds towing someones vehicle other than you're own."
-Age 37-52, Michigan"They helped me to understand the policy well before purchasing instead of just a brief description"
-Age 37-52, Michigan"Well trained and educated staff"
-Age 37-52, Michigan"Wide network of service providers"
-Age 37-52, Michigan"If you have good credit, they have the best prices."
-Age 37-52, Minnesota"According my experience, the insurance company provides prtection so I have a secure future."
-Age 53+, Florida"Bundle discounts offers for us"
-Age 53+, Florida"Good customer care service, reliability, value packages and reasonable price."
-Age 53+, Florida"I am extremely happy and its secures my future"
-Age 53+, Florida"Please consider this company as your insurer"
-Age 53+, Florida"Really customer service is awesome"
-Age 53+, Florida"This company is providing a user friendly app which make the process easy"
-Age 53+, Florida"Yes that a biggest future plan and more attractive scheme for any buddy provide the life insurance plan"
-Age 53+, Florida"Nice experience, as their policy satisfes my needs and also company staff is giving needed information about policy"
-Age 53+, Georgia"Good to work with, rep helps with discounts"
-Age 53+, Illinois"Provides good service when needed and easy to reach"
-Age 53+, Illinois"We are fully secure because we insurance company is great"
-Age 53+, Indiana"I have been with this company for the last 10 years runnin. I feel totally secure. "
-Age 53+, Indiana"Policies of this company is quite impressive and giving me some extra benefits at a reasonable price , so I can say I have a good experience"
-Age 53+, Iowa"Services is quite satisfactory and nice"
-Age 53+, Iowa"Agents are very positive people"
-Age 53+, Michigan"Cheapest service provider in the area"
-Age 53+, Michigan"Essential points are covered in the plans"
-Age 53+, Michigan"Experience is good with my insurer"
-Age 53+, Michigan"Such good staff"
-Age 53+, Michigan"Great people work here. Always willing to take the time to explain their products and answer any and all questions you might have."
-Age 53+, Michigan"I haven't had much experience, no claims in recent memory and only had for auto this year, just switched"
-Age 53+, Michigan"I had the best enjoy of professional service after a long time"
-Age 53+, Michigan"It is the value I wanted for my money"
-Age 53+, Michigan"Its a reliable company"
-Age 53+, Michigan"My agent is nice and decent"
-Age 53+, Michigan"Reliable and trustworthy"
-Age 53+, Michigan"Settlement of claim quickly, amicably and good customer services."
-Age 53+, Michigan"Showed signs of improvement than normal support"
-Age 53+, Michigan"The response from insurance team is fantastic"
-Age 53+, Michigan"They give us the best recommendation"
-Age 53+, Michigan"You will get new and better options"
-Age 53+, Michigan"From my past experience all advance features offered by the insurance company are good"
-Age 53+, Nebraska" Insurance companies will send out their own adjusters but doesn't mean that they are"
-Age 53+, Nebraska"Your premium will not increase and you will not lose your coverage."
-Age 53+, Nebraska"I got a good reference and more attractive plan as well with this company."
-Age 53+, Tennessee" I am happy with the service and price"
-Age 53+, Tennessee"Honestly the insurance company much better way for secure future."
-Age 53+, Tennessee"Insurance company provide the interactive website for online Application"
-Age 53+, Tennessee"Good service"
-Age 53+, Tennessee