What You Should Know
- Young America specializes in providing insurance to high-risk drivers
- You must reach out directly to a Young America Insurance representative to get a quote
- Most modern conveniences for consumers are lacking with this insurance company
High-risk drivers who are facing an uphill battle when it comes to finding insurance coverage may want to consider purchasing a policy with Young America. This company was designed to help such drivers; however, if you are a consumer who likes businesses to be transparent, this may not be the best fit for you.
Keep reading to learn about the coverages Young America offers and how to get cheap car insurance with this company.
While you read about Young America Insurance, you can enter your ZIP code to receive free car insurance quotes from companies near your city.
What is Young America Insurance?
Young America was founded in 1952 with the specific goal of providing high-risk drivers with insurance coverage and was later bought by the Fred Loya Insurance Group. These days, you can purchase a policy with Young America as long as you live in these states:
- New Mexico
- North Carolina
Now, you must take note that Young America is actually an insurance administrator, which means that if you were to purchase a policy, it would be underwritten by another insurance company.
The Young America insurance company address for its headquarters may be Irondale, AL, but information on Young America is difficult to find at best, and the parent company website offers little to no information on Young America — which can be frustrating to consumers who like to be well-informed about who they do business with.
If you would like to get more detailed information about this company, Young America Insurance locations can be found with a quick internet search so you can speak to a representative in person.
What coverage options does Young America Insurance offer drivers?
Buying a policy from Young America will grant you access to the standard coverages that you need to protect yourself and your vehicle while you’re driving and not much else.
While you can purchase rental reimbursement, there is no sign that Young America will be able to provide you with any other additional coverages that most cheap insurance companies like GEICO or Progressive have available.
##What are the rates and reviews for Young America Insurance? Young America Insurance is not a Better Business Bureau (BBB) accredited business, but it does have an A+ rating from the BBB. Now, it must be noted that Young America’s parent company, Fred Loya Insurance Group has a C rating on BBB.
While Young America Insurance reviews state that the company offers cheap rates, sample rates are not available from Young America at present; however, if you’re curious as to how much you may pay for car insurance, the average monthly rate for liability insurance in the states where Young America provides coverage is $46.
How do you buy a policy from Young America Insurance?
While the company may be called Young America, its insurance selling tools don’t match young America. Unlike other major insurance companies, you can’t get a free quote directly from the Young America website. You’ll need to call the company’s main number for a quote or reach out to a local Young America representative for hard numbers.
Does Young America Insurance offer car insurance discounts?
While the Young America website doesn’t list which discounts are available with its policies, you can use this list of car insurance discounts that some of the best car insurance companies offer to verify if you are getting the cheapest possible deal:
- Defensive driver
- Safe drive
- Automatic withdrawal
- Military and veteran
- Good student
- Senior driver
- Anti-theft device
- Low mileage
If you’re trying to keep your insurance rates low, discounts aren’t the only tool you can use in order to do so. Following safe driving practices and working to maintain a good credit score are great ways to continually be offered lower rates by insurance companies.
Don’t forget that if you aren’t satisfied with your current rates, you can always shop online to find a better policy that suits your coverage and financial needs.
How can you file a claim with Young America Insurance?
Unlike most other insurance companies, if you’re in an accident, you won’t be able to call an all-hours customer service line or even send in an email to get your claim process started as soon as possible. You will have to wait for normal business hours to resume before you can call the Young America Insurance claims phone number to get help.
What You Need to Know About Young America Insurance
Young America seems to match the young Americans it was designed for in the 1950s. It doesn’t offer much in the way of accessibility, and while you can’t file a claim online, it may be a good fit for drivers who have a spotty driving record.
Of course, if you’re struggling to find insurance, shopping online is an efficient way to find companies that can provide your coverage. Don’t forget to take your time as you shop so you can make sure that you aren’t missing out on any discounts.
Now that you’ve read this detailed review of Young America Insurance, you should feel confident to start shopping for a car insurance policy. You can enter your ZIP code to start comparing free insurance quotes today.
Young America Insurance FAQs
Does Young America Insurance sell homeowners insurance policies?
Young America only sells car insurance, so if you would like to bundle policies and get a discount, you may want to investigate other insurance companies like State Farm, Nationwide, or Hippo.
Does Young America Insurance sell life insurance?
Providing a financial cushion for your loved ones after you’ve passed is a very noble gesture, but Young America will not be able to help you do that. If you would like to buy life insurance, you can shop online to find the best policy for your needs.
Does Young America Insurance sell commercial insurance?
While Young America doesn’t sell commercial insurance policies, there are many other auto insurance companies that do. You don't have to wait to protect your business. You can shop online to find the best insurance for you.