Young America Insurance is a low-cost provider, that allows budget-minded customers to buy auto insurance online and through local agencies. The company currently has a strong presence in the Midwest and plans to expand nationally in the next several years. 

Young America Insurance Coverage

Over the past decade, Young America Auto Insurance has been one of the fastest-growing insurers. The company specializes in cheap liability insurance but also has affordable collision and comprehensive insurance. One of the most popular plans is state minimum liability auto insurance with only $20 down. 

Young America also offers low-cost gap insurance, roadside assistance coverage starting at $10 a month, and SR-22 insurance. For budget-minded drivers, liability coverage starts at just $49 a month.         

Young America Offers Liability Auto Insurance From $49 a Month

One of the most popular coverage plans Young America offers is cheap state-minimum liability-only plans. Qualified drivers can get covered for as little as $49 a month, with low deposits from just $20 down. 

 For safe motorists who drive less than 800 miles each month, Young America has comprehensive insurance plans that start around $100 a month. The company strives to provide the best service possible to each customer. Young America car insurance works with each customer to help them get the best coverage possible at the lowest rates.

Bodily Injury Liability Protection

Young America car insurance plans help drivers stay protected from financial harm if they cause an accident. The insurer’s bodily injury liability plans have several limit tiers. This coverage keeps drivers protected, in the event they cause an accident with injuries to the other party. 

Property Damage Liability Protection

Young America auto insurance also provides property liability coverage to protect the other driver’s vehicle if it is damaged in an accident. This liability coverage also has different limit tiers and comes bundled together with bodily injury protection.   

Young America Provides Low-Cost Uninsured Motorist Coverage

Young America’s uninsured coverage only costs about $15 a month, which can be added to the policy. These rates are very competitive compared to other national insurers. Many drivers add uninsured motorist protection onto their policy so they can have peace of mind behind the wheel, knowing they are covered in the event they get hit by another driver who is illegally driving uninsured.   

Personal Injury Coverage

Young America also offers personal injury coverage. Agents stress adding this coverage to their policy because it helps drivers fill in the gap in the case of death, injury, loss of services, or loss of income that has affected you, your covered family members, or covered passengers (even though this does not apply to all states).

Medical Fees are Included

Many Young America policies offer enhanced medical fee coverage. The payment for medical treatments includes the bills for you and the passengers involved in the accident. This also includes losses if someone is involved in a covered accident while on foot. 

Young America Has Solid Collision Protection

Young America car insurance plans also extend to collision and comprehensive protection. The company provides a wide range of protection and collision coverage to help you when you need to pay for the damages to your car. Collision coverage will help pay to repair or even replace your vehicle if it becomes damaged in an accident. Usually, this insurance plan will protect you if you are an accident victim and not at fault. 

Basic loss of use (often referred to as Rental Reimbursement) covers a rented vehicle or other means of transportation, such as a subway or bus, when your car cannot be driven after the accident. Young America offers Rental Days Plus, a big improvement to the basic loss-of-use protection. This enhanced coverage has unlimited rental car days, which is a big plus over many competitors that only allow rental car protection for two weeks.  

Enhanced Coverage That Will Keep You Protected 

Young America auto insurance has plans that protect drivers from unexpected events. The company offers competitive comprehensive coverage that protects drivers from just about any incident that does not involve another vehicle. This includes things like a tree falling on your car, a flood, or an animal that causes damage. Young America has low-cost comprehensive auto insurance from $110 a month. 

Young America Car Insurance Has a Competitive Advantage Over Many Competitors 

There are numerous benefits to having a car insurance policy with Young America Insurance Company. Young America Insurance puts the client’s needs first. That means dedicated customer service and delivering some of the lowest auto insurance rates nationwide. 

Besides the low rates and dedicated customer service, Young America offers incentives to current customers. Drivers who refer friends and family can qualify for a $100 rebate. All of the insurance policies sold are explained in depth. Insurance product coverages, discounts, terms and conditions, and other definitions are only meant to provide information to clients. Young America does not alter, change, or modify the data contained in the insurance contract and policy.  

The Pros And Cons Of Young America Insurance Company

Pros	Cons
Cheap Rates:  Young America Insurance is known for low-cost auto insurance. The insurer is known for its affordable liability-only policy that helps many drivers get legally covered.	Higher Rates for Risky Drivers: Young America Insurance often has higher rates than its competitors for high-risk drivers and some customers with multiple DUIs on their driving record might get denied coverage.
Lots Of Discounts: Almost every driver will qualify for one or more Young America Insurance discounts. The company has more than 20 discounts that can save drivers some serious money.	Slow claim processing: Customers have complained in the past that their claim checks should have been processed faster. Young America Insurance has made strides in expediting the entire claim process in recent years.

 

Drivers can get a free quote online at the company’s easy-to-use website, over the phone with a licensed agent, or in person at a local agency office.

For drivers seeking solid coverage at affordable rates, getting a Young America Insurance quote should be at the top of your list.

Young America Has Helpful Licensed Agents

Many customers prefer a face-to-face consultation with an agent. This is why the company continues to open new agency stores, often in markets with a high Latino population. Young America has licensed agents in each agency that are eager to help customers find the right policy for their budget. Another advantage the insurer has is almost every agent speaks both English and Spanish.

This is a big competitive edge and probably a big reason why customers keep renewing their policy year after year. You can call Young America toll-free and get any of your questions answered by a helpful agent in either Spanish or English. You can also get a free quote over the phone if you want to and there’s never any obligation to buy a policy.

Young America Auto Insurance Online Quotes

Getting an auto insurance quote with Young America Insurance is simple and only takes about five minutes. The company’s new and improved website makes getting auto insurance quotes a fast and simple process. Then you’re instantly matched with the best rate for the coverage you need.

One of the advantages of Young America over the competition is that auto insurance quotes are always free, and you can even review rates from other competitors side-by-side.

To get an online quote, all you need to do is just enter your zip code and fill out an application.