American Auto Insurance Company Review: Should you buy in 2023?

American Auto Insurance provides coverage for high-risk drivers in Illinois. While this company doesn't offer many discounts or extra coverage options, you could get insurance for just $14/month. American Auto Insurance makes auto insurance accessible to more drivers as it offers SR-22 Insurance, no credit scoring, and bilingual support.

UPDATED: Jun 18, 2023Fact Checked

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Written by:

Jeff Root

Licensed Insurance Agent

Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...

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Written by Jeff Root

Licensed Insurance Agent

Reviewed by:

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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Reviewed by Scott W. Johnson

Licensed Insurance Agent

UPDATED: Jun 18, 2023

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Jun 18, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

American Auto Insurance may be a great fit for high-risk drivers from the Prairie State. Not only does this insurance company offer traditional forms of auto insurance, but it also has SR-22 Insurance available. Keep reading to learn more about this company and how you can reduce your auto insurance rates.

As you read this American Auto Insurance review, you can shop for an auto insurance policy that meets your needs. Enter your ZIP code to start receiving free insurance quotes right away.

Table of Contents

Introduction to American Auto Insurance

American Auto Insurance has been helping Illinois drivers get the car insurance they need for over 60 years. It offers low car insurance rates and allows drivers to pay for their policies with a check, cash, or a credit or debit card. The head office for American Auto Insurance is located in Des Plaines, Ill. If you buy a policy through American Auto Insurance, you can make policy payments online and even renew your policy through the website.

If you’re looking for a company that can provide high-quality customer service, American Auto Insurance may be the right choice for you. It is a Better Business Bureau (BBB) accredited company and has an A+ rating. However, American Auto Insurance doesn’t have a rating from A.M. Best, so if you’re looking for a company proven to have a strong financial background, you may want to shop around online.

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Why You Should Consider American Auto Insurance for Your Vehicle

Drivers who have less-than-ideal credit scores may find that American Auto Insurance is a good fit for them. Unlike most on the market today, this insurance company doesn’t run a check on your credit score when you apply for car insurance quotes.

This is exciting news because your credit score can have a massive impact when you begin to compare rates between different companies. Just take a look at how drastically rates can change with a major insurance company if your credit score drops:

Average Annual Auto Insurance Rates by Credit Score for Major Insurers

Companies	Average Annual Rates with Good Credit	Average Annual Rates with Fair Credit	Average Annual Rates with Poor Credit
USAA	$1,821.20	$2,219.83	$3,690.73
State Farm	$2,174.26	$2,853.00	$4,951.20
Geico	$2,434.82	$2,986.79	$4,259.50
American Family	$2,691.74	$3,169.53	$4,467.98
Nationwide	$2,925.94	$3,254.83	$4,083.29
Progressive	$3,628.85	$3,956.31	$4,737.64
Farmers	$3,677.12	$3,899.41	$4,864.14
Allstate	$3,859.66	$4,581.16	$6,490.65
Travelers	$4,058.97	$4,344.10	$5,160.22
Liberty Mutual	$4,388.18	$5,604.24	$8,802.22

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In addition to making auto insurance more readily available to drivers with bad credit, American Auto Insurance also offers bilingual support. You can get the help you need with bilingual customer representatives, even if English isn’t your first language. Through these two features alone, American Auto Insurance makes good car insurance coverage more accessible to many more drivers.

What the Typical Fees & Coverage for an American Auto Insurance Policy Look Like

American Auto Insurance advertises that its car insurance quotes start as low as $14 per month, which means your potential annual policy premium would only be $168. Now, if you would like a policy summary to learn coverages you could get through American Auto Insurance, you can see them listed here:

Bodily Injury Liability
Property Damage Liability
Uninsured Motorists Coverage
Medical Payments
Comprehensive Coverage
Collision Coverage
Rental Reimbursement
SR-22 Insurance

When purchasing auto insurance, it’s in your best interest to acquire the coverage you need before adding anything extra to your policy to confirm that you can afford your essential coverage. So let’s take a closer look at these different coverage types so you can determine what you need to stay protected while driving.

Bodily Injury Liability

If you caused an accident and hurt another driver, your bodily injury liability insurance could help that individual pay for their medical expenses. Such coverage is critical because the other driver could sue you if you have no insurance or not enough bodily injury liability coverage.

Property Damage Liability

Let’s say that you rear-ended a car while driving, and you were at fault. Your property damage liability coverage would allow that other driver to access the funds they needed to get their car fixed. You can even use your property damage liability coverage to pay for any damages if you were to back into other property types like a fence.

Uninsured Motorists Coverage

If an uninsured driver struck you, your uninsured motorist coverage would allow you to get the funds you need to pay for any medical bills for injuries you sustained. In addition, this coverage would even help you receive compensation for lost wages if you were unable to work after the accident.

Medical Payments

You can use your medical payments coverage to pay for any medical bills you accrue after being in an accident. You can make use of this coverage whether or not you caused the accident.

Comprehensive Coverage

Another car isn’t the only thing that could damage your vehicle. If you’re caught in a hail storm while driving or if a tree branch were to fall on your car, you could file a comprehensive claim to get your car fixed. You will need to pay your deductible to access this coverage.

Collision Coverage

If your car collides with another vehicle or if you were to hit an object like a lane divider or a lamppost, your collision insurance coverage could help you restore your car to its former glory. You will need to pay a deductible to get your car fixed.

Rental Reimbursement

After experiencing an accident, you may be without a car for a few days. With rental reimbursement coverage, you can get a rental car that will take you where you need to go in the meantime.

SR-22 Insurance

SR-22 Insurance provides proof that you have the proper insurance coverage so you can get your license back after it’s been revoked or suspended for a time.

Trying to calculate the potential cost for all this coverage can be a bit confusing, but, thankfully, you won’t need an auto insurance cost calculator to determine which policy is right for you when you shop online for insurance. Instead, you’ll be able to compare quotes side by side to see which policy can get you the most coverage for the cheapest rate.

American Auto Insurance’s Claims Process and Claims Limits

Unfortunately, your options for filing a claim with American Auto Insurance are rather limited. If you need to file a claim, you can begin the process by calling the main American Auto Insurance phone number or reaching out to your local American Auto insurance representative. You can’t contact the American Auto Insurance Company claims department via the company website or through a mobile app.

If you do have to file a claim, you can usually utilize an insurance company’s discounts to keep your rates low. Unfortunately, it doesn’t appear that American Auto Insurance offers any discounts. This lack of discounts is a sharp contrast to most insurance companies which offer a plethora of money-saving opportunities to drivers:

Auto Insurance Discounts Available by Company

Discounts	21st Century	AAA	Allstate	American Family	Ameriprise	Amica	Country Financial	Esurance	Farmers	Geico	Liberty Mutual	MetLife	Nationwide	Progressive	Safe Auto	Safeco	State Farm	The General	The Hanover	The Hartford	Travelers	USAA
Adaptive Cruise Control	No	No	No	No	No	No	No	No	No	No	Yes	Yes	Yes	Yes	No	No	No	No	No		No	No
Adaptive Headlights	No	No	No	No	No	Yes	Yes	No	Yes	No	Yes	Yes	Yes	Yes	No	No	No	No	No	Yes	No	No
Anti-lock Brakes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Anti-Theft	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Daytime Running Lights	Yes	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No	No	No	Yes	Yes	Yes	Yes
Electronic Stability Control	No	No	Yes	Yes	No	Yes	Yes	No	Yes	No	Yes	Yes	Yes	Yes	No	No	No	No	No	No	No	No
Utility Vehicle	No	No	Yes	No	No	No	No	No	Yes	Yes	No	No	No	No	No	No	No	No	No	Yes	No	No
Vehicle Recovery	Yes	Yes	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
VIN Etching	No	No	No	No	No	No	No	Yes	Yes	No	Yes	Yes	Yes	Yes	Yes	Yes	No	No	No	No	Yes	Yes
Lane Departure Warning	No	No	No	No	No	No	No	No	No	No	Yes	Yes	Yes	Yes	No	No	No	No	No	No	No	No
Newer Vehicle	Yes	Yes	Yes	No	No	No	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes	Yes	Yes	Yes	No	No	Yes	Yes	Yes
Green Vehicle	Yes	No	Yes	No	No	No	No	Yes	Yes	No	Yes	No			No	No	No	No	No	Yes	Yes
Forward Collision Warning	No	No	No	No	No	Yes	Yes	No	No	No	Yes	Yes	Yes	Yes	No	No	No	No	No	Yes	No	No
Claim Free	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Continuous Coverage	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes	Yes	Yes	No	No	No	Yes	Yes	Yes	No	No	Yes	Yes	Yes	No
Defensive Driver	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Distant Student	No	Yes	Yes	Yes	Yes	Yes	No	No	Yes	Yes	No	No	Yes	Yes	No	Yes	Yes		Yes	Yes	Yes	Yes
Driver's Ed	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes		Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Driving Device/App	No	Yes	Yes	Yes	No	No	No	Yes		Yes	Yes	Yes	Yes	Yes	No	Yes	Yes	No	No	Yes	Yes	Yes
Early Signing	Yes	No	Yes	Yes	No	No	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes	No	Yes	No	No	No	Yes	Yes	Yes
Emergency Deployment	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No	No
Engaged Couple	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No
Family Legacy	No	No	No	Yes	No	Yes	No	No	No	Yes	No	Yes	No	Yes	No	No	No	No	No	No	No	Yes
Family Plan	No	No	No	Yes	No	No	Yes	No	Yes	No	No	No	Yes	No	No	No	No	No	No	Yes	No	No
Farm Vehicle	No	No	Yes	No	No	No	No	No	Yes	Yes	No	No	No	No	No	No	No	No	No	Yes	No	No
Fast 5	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No		No	No
Federal Employee	No	No	No	No	No	No	No	No	Yes	Yes	Yes	Yes	No	No	No	No	No	No	No	No	No	No
Full Payment	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No	No	Yes	Yes	Yes		Yes	Yes	Yes	Yes	No
Further Education	No	No	No	No	Yes	No	Yes	Yes	No	Yes	Yes	No	Yes	No	No	Yes	No	No	Yes	No	Yes	No
Garaging/Storing	No	No	No	No	Yes	Yes	No	No	Yes	No	No	No	No	No	No	No	No	No	No	Yes	Yes	Yes
Good Credit	No	No	No	No	No	No	No	No	No	No	No	No	Yes	Yes		Yes	Yes	No	No	No	No	No
Good Student	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Homeowner	Yes	Yes	No	No	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No
Life Insurance	No	No	Yes	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No
Low Mileage	No	Yes	Yes	Yes	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes		Yes	Yes	Yes	Yes	Yes	Yes	Yes
Loyalty	No	No	No	Yes	Yes	Yes	Yes	No	No	Yes	No	Yes	Yes	Yes	No	Yes	No	Yes	No	Yes	No	Yes
Married	No	Yes	No	No	No	Yes	Yes	Yes	No	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No	Yes	No	Yes
Membership/Group	No	Yes	No	No	Yes	No	No	Yes	No	Yes	Yes	Yes	Yes	No	No	Yes	No	No	Yes	Yes	Yes	No
Military	No	No	Yes	No	No	No	No	Yes	Yes	Yes	Yes	Yes	No	No	Yes	Yes	Yes	Yes	No	No	No	Yes
Military Garaging	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes
Multiple Drivers	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No	Yes	No	No
Multiple Policies	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Multiple Vehicles	Yes	Yes	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
New Address	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No
New Customer/New Plan		No	No	No	No	No	No	No	No	No	Yes	Yes	No	No	Yes	No	No	No	No	No	No	No
New Graduate	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No
Newly Licensed	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No
Newlyweds	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No
Non-Smoker/Non-Drinker	Yes	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No
Occasional Operator	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes
Occupation	No	No	Yes	No	No	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No	No	Yes	No	No	Yes	Yes	Yes	No
On Time Payments	No	No	Yes	No	No	No	No	No	No	No	No	No	No		Yes	No	No	No	No	Yes	Yes	No
Online Shopper	No	No	No	No	No	No	No	Yes	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No
Paperless Documents	No	No	Yes	Yes	No	Yes	No	No	Yes	No	No	Yes	Yes	Yes	No	No	No	No	No	Yes	No	No
Paperless/Auto Billing	No	No	Yes	Yes	No	Yes	No	Yes	Yes	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Passive Restraint	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Recent Retirees	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	Yes	No	No
Renter	No	No	No	No	No	Yes	No	Yes	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No
Roadside Assistance	No	No	No	No	Yes	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No	No	No	No
Safe Driver	Yes	Yes	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes
Seat Belt Use	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No	No
Senior Driver	Yes	No	Yes	No	No	No	No	Yes	Yes	No	No	Yes	No	No	No	No	No	Yes	Yes	Yes	No	Yes
Stable Residence	No	No	No	No	No	No	No	No	No	No	No	No	Yes	Yes		Yes	No	No	No	Yes	No	No
Students & Alumni	No	No	No	Yes	No	No	No	Yes	No	Yes	Yes	Yes	Yes	No	No	No	No	No	No	No	No	No
Switching Provider	Yes	No	No	Yes	No	Yes	No	Yes	Yes		Yes	Yes	No	Yes	Yes	No	No	Yes	Yes	No	No	No
Volunteer	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No
Young Driver	Yes	No	No	No	No	No	Yes	No	No	No	Yes	No	No	Yes	No	Yes	No	No	No	No	No	Yes

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Remember that while discounts are a great way to keep your rates low, following safe driving practices is one of the best ways to reduce your rates. Not only will driving more defensively keep you safe while out on the road, but you could also reduce the number of claims you file, which, in turn, can result in lower rates.

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What You Need to Know About American Auto Insurance

American Auto Insurance is designed to help high-risk Illinois drivers. If you are looking for essential auto insurance coverage that’s inexpensive, then American Auto Insurance may be the best choice for you. However, bear in mind that this company doesn’t offer any discounts or additional coverage options, so you won’t be able to customize your policy. The American Auto Insurance claims filing system is also a little outdated.

If you’re unsure if American Auto Insurance is the best company for you, you can shop online to compare insurance quotes and verify that you are getting the best rate possible.

Now that you’ve concluded this American Auto Insurance review, you can feel confident to start shopping for auto insurance. Enter your ZIP code to start comparing quotes from insurance companies near you today.

Frequently Asked Questions

What factors should I consider when deciding whether to purchase insurance from American Auto Insurance Company?

When deciding whether to purchase insurance from any company, including American Auto Insurance Company, it’s important to consider the following factors:

Financial stability: Look into the company’s financial strength ratings from reputable agencies to ensure they can fulfill their financial obligations.
Coverage options: Evaluate the range of coverage options available and if they meet your specific needs.
Customer service: Read reviews and gather feedback from existing or previous customers to assess the company’s customer service quality and responsiveness.
Premiums and discounts: Compare the cost of premiums and any available discounts to ensure they align with your budget and potential savings opportunities.
Claims handling: Research the company’s reputation for handling claims efficiently and fairly, as this can greatly impact your experience during the claims process.

Are there any specific advantages or disadvantages to buying auto insurance from American Auto Insurance Company?

The advantages or disadvantages of buying auto insurance from American Auto Insurance Company can vary depending on individual experiences and circumstances. It’s crucial to gather information specific to the company and compare it to your needs. Consider factors such as coverage options, premiums, customer service, and claims handling when evaluating the potential advantages or disadvantages of any insurance provider.

Where can I find more information about American Auto Insurance Company?

To find more information about American Auto Insurance Company, you can visit their official website, which typically provides details about their products, coverage options, contact information, and frequently asked questions. Additionally, you can search for online reviews and ratings from customers and consult with local insurance agents who may have insights or experience working with the company.

Should I buy auto insurance from American Auto Insurance Company?

The decision to purchase auto insurance from American Auto Insurance Company, or any other insurance provider, should be based on thorough research, comparison of options, and personal preferences. Consider factors such as the company’s reputation, financial stability, coverage options, customer service, and premiums. It can also be beneficial to obtain quotes from multiple insurance companies to compare prices and coverage before making a decision. Ultimately, the choice should be based on finding a reliable provider that meets your insurance needs and fits within your budget.

What types of auto insurance coverage does American Auto Insurance Company offer?

American Auto Insurance Company offers various auto insurance coverage options, including liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, personal injury protection (PIP), medical payments coverage, and rental reimbursement coverage.

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Written by:

Jeff Root

Licensed Insurance Agent

Full Bio →

Written by Jeff Root

Licensed Insurance Agent

Reviewed by:

Scott W. Johnson

Licensed Insurance Agent

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Reviewed by Scott W. Johnson

Licensed Insurance Agent

American Auto Insurance Company Review: Should you buy in 2023?

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It’s all about you. We want to help you make the right coverage choices.

It’s all about you. We want to help you make the right coverage choices.

On This Page

Introduction to American Auto Insurance

Why You Should Consider American Auto Insurance for Your Vehicle

What the Typical Fees & Coverage for an American Auto Insurance Policy Look Like

Bodily Injury Liability

Property Damage Liability

Uninsured Motorists Coverage

Medical Payments

Comprehensive Coverage

Collision Coverage

Rental Reimbursement

SR-22 Insurance

American Auto Insurance’s Claims Process and Claims Limits

What You Need to Know About American Auto Insurance

Frequently Asked Questions

What factors should I consider when deciding whether to purchase insurance from American Auto Insurance Company?

Are there any specific advantages or disadvantages to buying auto insurance from American Auto Insurance Company?

Where can I find more information about American Auto Insurance Company?

Should I buy auto insurance from American Auto Insurance Company?

What types of auto insurance coverage does American Auto Insurance Company offer?

Compare Quotes Now

American Auto Insurance Company Review: Should you buy in 2023?

Free Car Insurance Comparison

It’s all about you. We want to help you make the right coverage choices.

It’s all about you. We want to help you make the right coverage choices.

On This Page

Introduction to American Auto Insurance

Why You Should Consider American Auto Insurance for Your Vehicle

What the Typical Fees & Coverage for an American Auto Insurance Policy Look Like

Bodily Injury Liability

Property Damage Liability

Uninsured Motorists Coverage

Medical Payments

Comprehensive Coverage

Collision Coverage

Rental Reimbursement

SR-22 Insurance

American Auto Insurance’s Claims Process and Claims Limits

What You Need to Know About American Auto Insurance

Frequently Asked Questions

What factors should I consider when deciding whether to purchase insurance from American Auto Insurance Company?

Are there any specific advantages or disadvantages to buying auto insurance from American Auto Insurance Company?

Where can I find more information about American Auto Insurance Company?

Should I buy auto insurance from American Auto Insurance Company?

What types of auto insurance coverage does American Auto Insurance Company offer?

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