Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Oct 6, 2020

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Key takeaways...

  • American Contractors Insurance Group (ACIG) is a private car insurance company located in Dallas, TX
  • A.M. Best rated ACIG with an ‘A’, which is excellent, for their financial stability and steady history of paying out claims
  • ACIG offers a wide range of coverage, including basic liability, new car insurance and a roadside assistance add-on
  • The best part about purchasing insurance through ACIG is that they are in the construction industry as well, which means you will receive an educated analysis in the event of an incident

American Contractors Insurance Group (ACIG) is a private car insurance company located in Dallas, TX. In addition to auto insurance, they also provide coverage for boats, airplanes and motorcycles.

The company was established in 1981 and is unique in that it specifically caters to contractors. They are licensed to underwrite insurance policies in 49 states.

However, it is important to note that they do not extend service to New Hampshire.

It’s super easy to find out what the other leading online car insurance providers will charge you. Enter your ZIP code now to immediately start comparing FREE car insurance quotes today!

Table of Contents

High Ratings

A.M. Best rated ACIG with an ‘A’, which is excellent, for their financial stability and steady history of paying out claims. A.M. Best has been rating the performance of insurance companies since 1899.

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A Low Price

ACIG is a small company, which means that their overhead and advertising expenses are relatively low. Therefore, they are able to offer a lower price than many of their competitors.

Customers can rest assured that their premium dollars are being spent and invested wisely by ACIG.

Discounts for Bundling Up

In addition to car insurance, ACIG also provides coverage for boats, airplanes and motorcycles. They also offer worker’s compensation and liability insurance.

Not only can customers receive protection for lost time at work and all of their automotive devices in one convenient process, they can also receive discounts by purchasing their coverage in a bundle.

Accident Forgiveness

Automobile accidents can take a physical and emotional toll on the people involved, so it is nice to know that the claims process can be trouble free even when the policyholder is at fault.

If ACIG’s policyholders have only been involved in one accident in a three-year period, their rates will not increase. Also, there is no rate increase for one minor traffic violation in a period of three years.

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Prompt Response to Emergencies

It can be both dangerous and disheartening to be stranded on a busy street or freeway due to an accident or a stalled vehicle.

Customer service agents are available 24 hours a day, 7 days a week to help their policyholders with getting them to a safe place and having their automobiles towed to designated repair facilities.

When a customer feels safe and secure, the claims process is much easier to navigate.

Versatile Coverage Packages

ACIG offers a wide range of coverage, including basic liability, new car insurance and a roadside assistance add-on. They offer coverage options for:

  • Older cars that do not require much coverage but need enough to stay compliant with state laws
  • New cars that require full coverage
  • Drivers who desire roadside assistance for unexpected flat tires, vehicle stalls and those moments when they lock their keys in the car
  • Rental cars for policyholders who need a vehicle for a limited time while theirs are being repaired

More About ACIG

ACIG has a very clean company website that is easy to navigate. Unfortunately, there is no way to report a claim through their site. The company is categorized as a risk retention group insurance company.

As a contractor, you can expect to receive a quality selection of services that not only pertain to auto insurance, but to your construction business as a whole.

The American Contractors Insurance Group can underwrite claims for general liability, auto liability, default liability, and worker’s compensation.

The best part about purchasing insurance through ACIG is that they are in the construction industry as well, which means you will receive an educated analysis in the event of an incident.

When it comes to buying car insurance it’s really easy to get overwhelmed before you even get started. Know what the other guy is charging for his policies before you make a commitment.

Enter your ZIP code now to receive FREE car insurance quotes today!