Great American Car Insurance Review

The Great American Insurance Group that is the topic of this car insurance review began in 1872 with the start of the Great American Insurance Company. The Great American Insurance Company was based out of New York City.

After surviving the Great Depression and other American trials like natural disasters and war the Great American Insurance Company became a subsidiary of the National General Corporation.

After almost a century of being based out of New York City, the Great American Insurance Company moved across the country to Los Angeles.

Start your search for the best car insurance rates in your area by entering your zip code in the box above!

Great American Average Monthly Rates vs U.S. Average

Uncovering the Financial Aspects of Great American Car Insurance

When considering an insurance provider, understanding the cost of car insurance is pivotal. The price of car insurance can vary widely depending on several key factors. Let’s delve into the variables that influence the cost of Great American Car Insurance.

• Type of coverage: The specific type of coverage you choose greatly impacts the cost. Whether it’s commercial auto insurance or other specialized coverage, the choice you make will dictate the price.
• Coverage limits: The limits you set for your coverage, such as liability limits and deductible amounts, play a significant role in determining the cost of your car insurance.
• Driving history: Your personal or business driving history, including any prior accidents or violations, can affect the cost. A clean driving record often leads to lower premiums.
• Location: The area where your vehicle is primarily located can influence your insurance rates. Urban areas may have higher rates due to increased traffic and potential risks.
• Vehicle type: The make and model of your vehicle, along with its age and safety features, are vital considerations for insurance pricing.
• Usage: Whether your vehicle is for personal or commercial use, the frequency of use, and the purpose of the vehicle will be taken into account.
• Business size: For commercial auto insurance, the size and nature of your business can affect pricing. Larger fleets may have different rates than smaller businesses.
• Discounts: Great American Car Insurance may offer various discounts, such as multi-policy, safety, or loyalty discounts, which can reduce the overall cost.

The cost of Great American Car Insurance is influenced by a range of factors, including the type of coverage, coverage limits, driving history, location, vehicle type, usage, business size, and available discounts. Understanding how these factors affect your specific situation can help you make informed decisions about your car insurance costs.

Exploring the Array of Coverage Choices Provided by Great American Car Insurance

Great American Car Insurance offers a variety of coverage options tailored to meet the needs of businesses. While they primarily focus on commercial auto insurance, they provide comprehensive solutions to safeguard your vehicles and operations. Here are coverage options available from Great American Car Insurance, helping you understand the protection they offer:

• Commercial auto insurance: This insurance includes liability coverage to protect against financial losses in accidents where your business is at fault, collision coverage for vehicle damage in collisions, comprehensive coverage for non-collision damages like theft or vandalism, and medical payments coverage for injury-related medical expenses.
• General liability insurance: General liability insurance from Great American safeguards your business from claims of bodily injury and property damage. It covers legal defense costs and settlements, providing protection against unforeseen accidents or incidents that could result in a lawsuit.
• Umbrella insurance: Great American offers umbrella insurance, which provides an additional layer of protection beyond your primary liability policies. This coverage can be essential for businesses with higher liability risks, as it can help protect your assets and operations in the face of large liability claims.
• Excess umbrella insurance: Excess umbrella insurance from Great American further extends the liability coverage above and beyond your primary policies. This additional coverage is particularly useful for businesses that need extra protection in case of catastrophic liability claims.
• Inland marine insurance: Inland marine insurance is designed to cover property and equipment that is transported over land. Great American’s inland marine coverage can protect your valuable assets while in transit, ensuring your business is safeguarded in the event of theft, damage, or loss during transportation.
• Supplemental insurance: Great American offers supplemental insurance products that can be tailored to suit your specific business needs. These may include coverage for gaps in your existing policies or additional protection that aligns with your operations.

In conclusion, Great American Car Insurance offers a comprehensive range of coverage options, primarily focused on protecting businesses. From commercial auto insurance to general liability, umbrella, and supplemental insurance, they aim to provide the necessary protection for your business operations, vehicles, and assets.

When considering your coverage needs, Great American Car Insurance can be a valuable partner in safeguarding your business.

Maximizing Your Savings and Discounts With Great American Car Insurance

One of the significant advantages of choosing an insurance provider is the potential for discounts that can help reduce your insurance costs. Great American Car Insurance offers various discounts to policyholders, allowing them to save money while still obtaining quality coverage.

Here are the discounts available from Great American Car Insurance, helping you understand how you can benefit from these cost-saving opportunities:

• Safe driver discount: Great American Car Insurance rewards safe driving habits. If you have a history of being a responsible and safe driver without recent accidents or traffic violations, you may qualify for a safe driver discount.
• Multi-policy discount: By bundling multiple insurance policies with Great American, such as commercial auto insurance and general liability insurance, you can often secure a multi-policy discount. This can lead to significant savings on your overall insurance costs.
• Claims-free discount: If you have a claims-free history with Great American Car Insurance, you may be eligible for a claims-free discount. This discount is typically offered to policyholders who have not filed any claims during a specified period.
• Safety features discount: Vehicles equipped with safety features, such as anti-lock brakes, airbags, and anti-theft systems, may qualify for a safety features discount. Great American values safety and provides discounts to policyholders who take proactive measures to enhance their vehicles’ safety.
• Good student discount: For business owners with employees who are also students, Great American Car Insurance offers a good student discount. This discount can help reduce insurance costs for student employees who maintain good grades.
• Paid-in-full discount: Policyholders who choose to pay their premiums in full for the entire policy term may be eligible for a paid-in-full discount. This discount rewards upfront payments and can lead to cost savings.

In conclusion, Great American Car Insurance offers a range of discounts designed to make insurance more affordable for businesses.

Whether you’re a safe driver, bundle multiple policies, maintain a claims-free record, invest in vehicle safety features, have good student employees, or opt for a paid-in-full premium, there are opportunities to reduce your insurance costs. These discounts can help you obtain the protection you need while keeping your budget in check.

Great American Car Insurance Claims Process: Simple and Hassle-Free

Ease of Filing a Claim

Great American Insurance Company offers a range of insurance products, including commercial auto insurance, but it does not provide personal car insurance. Therefore, if you have a commercial auto policy with them and need to file a claim, the process typically involves contacting a Great American insurance agent directly.

Unfortunately, Great American does not offer online quoting or claims filing options on their website. This means that to initiate a claim, you will need to speak with a Great American insurance agent, either over the phone or in person, to guide you through the claims process.

Average Claim Processing Time

The average claim processing time with Great American Insurance Company can vary depending on the nature and complexity of the claim. Since Great American primarily deals with commercial insurance products, the processing time may be influenced by the specific circumstances of your claim.

It’s essential to discuss the expected processing time with your Great American insurance agent when you initiate your claim. They can provide you with more precise information based on your unique situation.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback on claim resolutions and payouts is a crucial aspect of evaluating any insurance company’s performance. However, specific customer reviews and ratings for Great American Insurance Company’s claim resolutions and payouts may vary widely, as the company primarily focuses on commercial insurance.

To gauge the satisfaction of policyholders, it’s advisable to research and read customer reviews or seek feedback from businesses that have used Great American’s services for commercial auto insurance claims. This will provide valuable insights into the company’s claim resolution practices.

Great American Car Insurance: Leading the Way With Digital Innovation

Mobile App Features and Functionality

Great American Insurance Company does not offer personal car insurance or a dedicated mobile app for policyholders. Since their primary focus is on commercial insurance products, they may not provide the mobile app features and functionality commonly associated with personal auto insurance providers.

If you are looking for digital tools and resources for managing your commercial auto insurance policy, it’s best to discuss your specific needs and options with a Great American insurance agent.

Online Account Management Capabilities

Great American’s online account management capabilities may be limited, especially for commercial auto insurance policyholders. As mentioned earlier, the company’s primary approach is to work directly with insurance agents for policy inquiries and claims.

Therefore, if you require online account management features, such as policy changes or billing management, it’s advisable to consult with a Great American insurance agent to explore available options.

Digital Tools and Resources

While Great American Insurance Company may not offer extensive digital tools and resources on their website, they can provide tailored solutions and resources for businesses seeking commercial auto insurance coverage.

These may include customized insurance packages, risk management advice, and claims handling guidance. To access these digital tools and resources, it’s essential to establish a direct line of communication with a Great American insurance agent who can provide the necessary support and information.

Customer Reviews for Great American Car Insurance:

Customers express satisfaction with Great American Car Insurance, citing competitive rates and extensive coverage options. The efficient claims process and the helpfulness of insurance agents are notable strengths, providing a sense of security and ease of handling unexpected situations.

Some customers appreciate the personalized approach to tailoring insurance solutions to their specific needs. Overall, Great American Car Insurance receives positive feedback for its reliability and customer-oriented service.

History and Mission of Great American Car Insurance

Established in 1872, Great American Car Insurance has evolved from its beginnings in New York City to a nationwide presence, weathering economic challenges and geographical relocations. Acquired by the National General Corporation, the company found its current home in Los Angeles.

Committed to providing comprehensive insurance solutions, Great American focuses on delivering tailored coverage options, ensuring the safety and financial protection of individuals and businesses alike. Their dedication centers on securing a trustworthy future for policyholders through a wide array of insurance products and services.

Read More:

• Great American Underwriters Insurance Company Car Insurance Review
• Great American Protection Insurance Company Car Insurance Review
• Great American Security Insurance Company Car Insurance Review
• Great American Casualty Insurance Company Car Insurance Review

What else do you need to know about Great American?

Today, the Great American Insurance Group is fully owned by the American Financial Group, Inc., a company with affiliates that offer a wide variety of insurance products and financial services.

Some of the Great American Insurance Group’s affiliates are:

• GAFRI
• Mid-Continent
• National Interstate
• Republic Indemnity.

The American Empire Group includes companies that offer casualty and property insurance, excess and surplus insurance coverage, and general liability, umbrella, and excess umbrella insurance.

GAFRI, or Great American Financial Resources, Inc., provides retirement services, annuities, long-term car insurance, life insurance, and supplemental insurance.

Great American Life Insurance Company offers a variety of life insurance and retirement products, including fixed-indexed annuities and variable annuities. Some of these products come with penalty-free withdrawals.

Great American Life has strong ratings from Moody’s and Standard & Poor’s.

Mid-Continent offers inland marine, general liability, umbrella, and commercial auto insurance.

National Interstate provides specialty insurance for school buses, recreational vehicles, limousines, public transit systems, and trucking companies.

Republic Indemnity is a workers compensation insurance provider. (For more information, read our “Workers Compensation Exchange Car Insurance Review“).

Unfortunately, Great American does not allow you to get an online quote, so you will need to speak to a Great American insurance agent to learn more about the coverage available and how to get the policies you need.

Read more:

• American Empire Insurance Company Car Insurance Review
• Mid-Continent Casualty Company Car Insurance Review

Find the best car insurance rates today. Enter your zip code below to get started for FREE!