American Alternative Insurance Corporation Car Insurance Review [2024]

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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Laura Kuhl

Insurance Content Team Lead

Laura Kuhl holds a Master’s Degree in Professional Writing from the University of North Carolina at Wilmington. Her career began in healthcare and wellness, creating lifestyle content for doctors, dentists, and other healthcare and holistic professionals. In 2018, she started writing for the cannabis industry. She curated news articles and insider interviews with investors and small business own...

Insurance Content Team Lead

Scott W. Johnson

Licensed Insurance Agent

Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...

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UPDATED: Nov 8, 2023

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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)

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!

Frequently Asked Questions

Does American Alternative Insurance Corporation have a good reputation in the insurance industry?

Yes, American Alternative Insurance Corporation has a good reputation in the insurance industry and is known for its reliable coverage and financial strength.

Can I purchase American Alternative Insurance Corporation’s personal insurance plans online?

No, American Alternative Insurance Corporation’s personal insurance plans cannot be purchased online. You will need to contact them via telephone to discuss and purchase personal insurance coverage.

How long has American Alternative Insurance Corporation been in business?

American Alternative Insurance Corporation was founded in 1995 and has been serving customers for over 25 years.

Is American Alternative Insurance Corporation licensed to provide insurance in all 50 states?

Yes, American Alternative Insurance Corporation is licensed to provide insurance coverage in all 50 states.

Are American Alternative Insurance Corporation’s commercial insurance plans suitable for businesses of all sizes?

Yes, American Alternative Insurance Corporation offers commercial insurance plans for businesses of any size, whether you have one vehicle or a large fleet of different types of vehicles.

What is the financial rating of American Alternative Insurance Corporation?

American Alternative Insurance Corporation has received an A+ (Superior) financial rating from A.M. Best, indicating a strong financial standing.

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