American Alternative Car Insurance Review [2020]

American Alternative car insurance operates in all 50 states, specializing in commercial and business insurance policies. American Alternative has an A+ financial rating from AM Best.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Oct 13, 2021

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Company Details
Address: 251 Little Falls Drive
City: Wilmington
State: DE
ZIP Code: 19808
Phone Number: 609-243-4200
Year Founded: 1995
AM Best Rating: A+ (Superior)
Company Rating 1 (1 review)

Here's what you need to know...

  • American Alternative offers insurance plans to businesses both large and small
  • If you want to purchase a personal insurance plan, you will have to do so via telephone, as they do not offer quotes online
  • Before you decide if American Alternative is right for you, be sure to compare quotes from several different companies

Drivers in need of personal or commercial car insurance may have an interest in the following American Alternative review. When it comes to the insurance industry, having reviews and feedback from customers can always be a huge help when it comes to taking action to find a coverage provider. Being in any sort of incident which causes damage to your property is stressful enough; tack on the fact that your provider doesn’t have your back financially could be the final straw.

Spending time looking into a company can also come in handy, since you may be looking to insure your personal property with a reputable source. This means you’re going to pay close attention to their financial strength, whether or not they are legal professionals, and if they offer fair market prices.

Be sure to read through the article and then enter your zip code above for free car insurance quotes from multiple providers!

Established in the early 1990s, American Alternative Insurance Corporation is a subsidiary of Munich RE, a company that has been offering options for auto, property, and health insurance for 130 years around the world.

American Alternative Insurance Corporation is based in New Jersey and, in addition to personal insurance plans, offers commercial insurance to businesses in all 50 states.

They offer auto insurance options for businesses of any size, whether there is just one car or thousands of different types of vehicles.

To purchase auto insurance from American Alternative, you are going to have to contact them via telephone, as the company does offer quotes online. However, speaking directly to an insurance agent doesn’t necessarily have to be a bad thing. A customer service agent is sure to answer your questions, and let you know what sort of optional coverages are available.

The types of insurance American Alternative offers include:

  • Commercial management liability
  • Professional liability
  • Package
  • Property
  • Crime
  • Inland marine
  • Umbrella and excess casualty
  • General liability
  • Commercial auto
  • Workers’ compensation
  • Accident and health
  • Aviation
  • Crop-hail
  • Multiple peril crop

They received a financial rating of A+ from A.M. Best, which is considered superior.

While most agencies have made the switch and offer a vast majority of their services online, American Alternative puts you in touch with live agents who can talk about their policies with customers instead. American Alternative is an impressive company with a good reputation, but, if you prefer to get quotes online before you make your phone call, you can use a free quote tool. Not many people have a lot of spare time, so shopping around online can be quite useful, especially if you want a seamless transition from one insurance provider to another.

It is easy to use and you can get the quotes you need for your auto insurance from additional companies. Then you can read reviews for other insurers before making a decision.

Just enter your zip code to start comparing free rates from multiple companies today!

One Response

  1. tes March 12, 2015

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