Car insurance has always been a tricky deal for policyholders but Young America Insurance can explain it easily. As a general rule of thumb in business of all sorts, policyholders (which in this instance are the customers), seem to always be in a less-than-ideal position in the deal. Insurers have the right to increase premiums for both minor and major violations of traffic laws. It is easy to understand a surcharge after months of premium lapses or serious accidents that cause severe injuries, but the problem is that the company can also cancel the policy if needs to be. The main reason is that the company feels it is too risky to insure a driver with bad driving records. Insurance companies make assumptions that someone with a history of accidents or traffic violations has the tendency to repeat the same mistakes again in the future, and this will put the insurer to financial burdens due to the obligatory payout. In most cases, however, a driver or even anybody has no intention to get involved in an accident at all.
Getting cheap car insurance has never been so easy with the free Young America Car Insurance online quoting service. Thanks to the new Young America Insurance Company website, you can get quoted in less than 5 minutes. You will be provided with up to ten free quotes. You can compare local and national carriers' best rates and buy a policy online if you choose to do so. The choice is yours and there is never any obligation when you apply for an auto insurance quote. You can use almost any device connected to the internet to get a Young America Insurance quote. This includes a laptop, tablet, and smartphones. If you prefer to get a quote over the phone, you can call toll-free and talk to a licensed agent. You can always search online for “Young America Insurance near me” to visit our closest location. The choice is always yours!
An insurance company has all the right to increase the premium, cancel a policy, and deny applicants for many reasons. A great number of people have been rejected due to their previous driving records, poor credit score, history of violations, and age. In 1952, a Dallas businessman named Rodney D. Young realized that such treatment was a bit unfair. It seems mingy that a company rejects applicants just because they have minor bumps, cases of fender/bender, or poor credit. This idea was the birth of Young America Insurance Company. As it turned out, the idea became a fruitful venture because the state of Texas passed a law dictating the mandatory auto insurance coverage every driver in the state should purchase. For a lot of drivers in Texas, Young America Insurance is an affordable alternative to other established insurers, and without restrictive application requirements. The company offers a low premium rate and several payment methods as well. Operating initially in Texas, it expanded to neighboring regions including Arizona, Colorado, Nevada, New Mexico, Missouri, and North Carolina. In 2012, another insurance company from Texas called Fred Loya Insurance announced that it purchased Young America Insurance along with some affiliates.
The people that Rodney D. Young had in mind when the man founded Young America Insurance were high-risk drivers; it is a term used in the auto insurance industry to define people with bad driving records, history of insurance lapses, and convictions of DUI. Most insurers see high-risk drivers as an undesirable category of customers based on the assumptions that they will more likely file more claims in the future. Just like any assumption, there is no way to prove it wrong or right. Insurers like GoodToGoInsurance use statistics and formula of their own to make the prediction. While there is no universal definition as to what high-risk driver actually is, at least insurance companies provide information about the many factors that may improve your chances of becoming a high-risk driver for examples DUI, illegal street racing, excessive speeding, reckless driving, and traffic violation or at-fault accident which causes a fatality. More detailed information is as follows:
It's a good thing that you can ask for a quote from Young America Insurance online and see an estimation of the premium rate. Provide accurate data of the car and personal information to get a more precise calculation. It takes only a few minutes to get a printable format of the quote for future references. In case there are difficulties, customer service is always available to answer all inquiries. Young America Insurance is glad to provide insurance regardless of driving record and credit ratings.
Young America Insurance, as part of Fred Loya, has more than 500 agencies all across Texas, California, New Mexico, Colorado Georgia, Nevada, Indiana, Alabama, and Arizona. In Alabama, offices like Young America Insurance Montgomery AL and Birmingham AL are very popular. Another good thing is that Young America car insurance agencies can be found in public places such as street corners, office buildings, supermarkets, grocery stores, and places where people generally visit on a regular basis. Every insurance agent is glad to offer assistance concerning every inquiry related to car insurance including coverage, rates, quotes, discounts, and payment methods. Lots of great Young America Insurance reviews show that our business is also trusted thanks to the work of our friendly and helpful agents. An online portal for the same purpose is also available.
We are committed to helping our valued customers find the best insurance coverage at the lowest rates anywhere. Our customers choose Young America for the cheapest home and auto insurance online. With just a few clicks, you can save hundreds of dollars. Start your free online quote now.
Hear What Our Customers Have to Say!
”I saved $540 on my car insurance policy and the low monthly payments make it so easy. Thanks Young America Insurance.” , Terry from Dallas, TX
“I love the no money down payment option and the friendly phone reps.” Sandra from Tampa, FL
Young America is truly dedicated to offering the cheapest auto insurance rates. We have the auto policy you need to save money while keeping your family safe on the road. Our policies range from full coverage auto to general liability auto insurance,
At Young America, our mission is to save our customers the most money on their auto and home insurance, it's just that simple. We have many discounts that can save you hundreds more. Start your free quote now.