As a business owner, you’ll likely stumble across an AmGuard Auto Insurance review at some point since they are quite a popular provider.
Although they do not offer personal auto insurance, their packages may be preferable for small to medium-sized businesses.
They also provide an ample amount of other products, including private homeowners insurance, umbrella insurance, professional liability, and more.
About AmGuard Auto Insurance
In 1982, Judd and Susan Shoval determined that small to medium-sized businesses were the most underserved clients in the industry, causing them to design their own insurance company to focus on this demographic.
By offering affordable and comprehensive types of coverage to businesses, they quickly became one of the most mainstream sources for commercial insurance.
Today, the Berkshire Hathaway GUARD Insurance Companies has four subsidiaries known as AmGuard, EastGuard, WestGuard, and NorGuard.
As earlier mentioned, there are an ample amount of commercial insurance products to consider if you currently own a business.
Whether you require general liability insurance or a more special package, such as commercial auto insurance, you can guarantee they can meet your needs easily.
At this time, they do not offer personal auto insurance, so if you’re looking to be insured as an individual, opting for an alternative provider is a better solution.
AmGuard Auto Insurance Quote Online
You’ll be glad to know there is an incredibly simple online form that you can fill out to obtain a quote, instead of having to call an independent agent.
Once you have submitted the form, an agent will follow up with you based on the information you have provided.
The fields are pretty basic, such as your full name, business name, business address, and the type of insurance you are interested in.
When you receive a call from one of their agents, you can then discuss your insurance needs more in-depth to see if you qualify for any discounts.
You’ll also appreciate being able to work with a representative to build a more comprehensive policy that can cover you in any situation you might encounter.
The Pros
You’re bound to appreciate the insurance products from AmGuard mostly because they are affordable for small to medium business owners.
Since there are already plenty of expenses you’re responsible for, you won’t want to have to pay an arm and a leg for commercial auto insurance.
You may also be able to qualify for additional discounts to help you save more on your premiums.
What makes a policy with this insurance provider unique is that they use Individual Risk Premium Modifications to assist with designing a plan that matches your specific driving style.
Instead of putting you in an essential category with their other drivers, they will base your premiums on the way that you drive and no one else.
Getting a quote is also relatively fast since the application process is simple to complete and submit.
What Customers Think of AmGuard Auto Insurance
Customers love that they can customize their insurance policies to meet their needs, especially if they own a relatively mobile business.
There are liability, statutory, and physical damage coverages that you can use to make a type of coverage that no one else has.
Also, you may be eligible for special endorsements and an ample amount of add-ons for affordable prices.
Drivers also appreciate how their insurance policies contain the same products that you would expect from any other provider.
These types of coverage include liability, personal injury protection, collision, comprehensive, medical payments, emergency road service, travel expenses, car rentals, uninsured and underinsured motorist, loss of earnings, and more.
You can guarantee that you will have coverage in any situation with your insurance policy.
You’ll find there are plenty of dissatisfied customers as well, who expected better customer service from AmGuard and their representatives after an accident.
There are instances where claims haven’t been paid and that communication is poor with an agent in their team.
You could be in a position where you are placing several calls to a claims adjustor to hear anything back.
Who Will Benefit the Most from AmGuard
The only group of people that will be able to benefit from AmGuard Auto Insurance are small to medium-size business owners.
Since there are criteria that both you and your vehicle need to meet to get insured, you can guarantee their coverage isn’t designed for every driver on the road.
Unfortunately, if you need personal auto insurance, you’ll have to opt for another provider in your area.
Things to Think About
The most significant disadvantage to AmGuard’s auto insurance is that it is only available in three states, Pennsylvania, South Carolina, and New Jersey, as they are only licensed to sell commercial auto insurance in these areas.
You’ll also find that they focus primarily on the least expensive local vehicles that small business owners are bound to drive.
If you have a fleet of high-end cars, you would be better off opting for another insurance provider in your area.
There are actual criteria that your vehicle will need to meet to qualify for commercial auto insurance with AmGuard.
The company vehicle needs to have a value of less than $75,000, and it cannot be able to carry weights above 45,000 pounds.
Also, as the driver, you are only allowed to travel within a radius of up to 200 miles.
Many other insurance companies don’t have a cap on the total travel distance you’re allowed to make, which is why AmGuard might not be the right choice for your business.
It’s also important to note that on their Better Business Bureau page, although they have a rating of A+, they also have 26 customer reviews with an average rating of one star.
Many policyholders have claimed that their vehicles have been in the body shop for longer than expected.
They also have said that communicating with the company has been more of a hassle than they had hoped.
Some have found the company pays very little or nothing at all in the event of an accident.
How to Contact AmGuard Auto Insurance
Using their online tools could be one of the best ways to get in touch with AmGuard Auto Insurance, as they have an online form or an email address (csr@guard.com) that you can use to talk to their customer service team.
There doesn’t appear to be a general customer service phone number, so until you connect with an insurance agent via email, you’ll have to reach out to them online.
AmGuard Auto Insurance Review: Final Thoughts
One thing this AmGuard Auto Insurance review found is that customer’s opinions of this company are mixed, as some appreciate their low premiums while others find their claims processing is lackluster.
Overall, they could offer competitive policies to small to medium business owners though without the quality of service you would expect from an insurance provider.
