Founded in 1952, Young America Insurance has been providing affordable auto insurance options to drivers in Alabama for over 60 years. With numerous locations in Montgomery, Young America aims to serve the community with low-cost car insurance tailored to each driver’s needs.
This article will provide an overview of Young America Insurance and their services in Montgomery, including:
- Background on Young America Insurance
- Overview of auto insurance in Montgomery
- Young America’s affordable coverage options
- Discounts available to save money
- Claims process and customer service
- How to get a free quote from Young America
A Long History of Service in Alabama
Young America Insurance was founded by Rodney D. Young in Dallas, Texas in 1952. The company’s mission was to provide affordable auto insurance options to drivers who were considered “high risk” and unable to get coverage from standard insurers.
In the early 1980s after Alabama enacted mandatory minimum auto insurance laws, Young America entered the state’s market focusing on lower-income drivers. The company grew rapidly as an alternative for Alabama drivers with past violations or limited finances.
Today, Young America Insurance continues serving communities across Alabama from over a dozen local offices. The Montgomery locations uphold the company’s tradition of personalized service and budget-friendly insurance options.
Auto Insurance Requirements in Montgomery
To legally drive in Montgomery and throughout Alabama, drivers must carry the state minimum liability insurance:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability
However, experts recommend carrying more than the minimums for better protection. Many drivers opt for 100/300/100 limits or higher.
Uninsured and underinsured motorist coverage is also required in Alabama at the same $25,000/$50,000 minimum limits. This protects you if an at-fault driver has no insurance or insufficient coverage.
Collision and comprehensive coverage are also highly recommended to cover damage to your own vehicle from an accident or other hazards like theft, vandalism, weather events, fire and animal collisions.
Young America Insurance Offerings
Young America Insurance provides a variety of coverage options beyond just the Alabama minimum requirements:
- Liability – Bodily injury and property damage liability
- Collision – Repair or replace your vehicle after an at-fault accident
- Comprehensive – Covered for damage from theft, vandalism, weather, etc.
- Uninsured Motorist – Protects you if hit by an uninsured or underinsured driver
- Medical Payments – Covers medical treatment costs for you and passengers
- Rental Reimbursement – Provides a rental car during covered repairs
- Roadside Assistance – Towing, lockout service, fuel delivery, etc.
Policy limits can be customized to your specific protection needs and budget. Young America agents in Montgomery will explain your options.
Bundling auto with homeowners or renters insurance provides additional discounts up to 15% or more.
Discounts Can Lower Your Premium
Young America offers a number of discounts to help Alabama drivers save on their car insurance premiums:
- Multi-car – Insure two or more vehicles
- Multi-policy – Bundle auto with home/renters
- Good driver – Three years with no accidents or violations
- Student – High GPA for full-time students
- Defensive driving – Discount for approved safety course
- Anti-theft – Vehicle has anti-theft device
- Auto-pay – Monthly payments automatically deducted
Ask Young America agents what discounts you may be eligible for to reduce your rate. Every bit of savings counts when it comes to insurance costs.
Claims and Customer Service
If you need to file a claim, Young America Insurance provides several easy options:
- Call 1-800-935-5974 to speak with a claims specialist
- File a claim 24/7 on their website youngamerica.com
- Use the Young America mobile app for claims
The company stresses speedy resolution of claims to get customers back on the road. The friendly Montgomery staff will walk you through the claims process and assist however needed.
Young America Insurance maintains high customer satisfaction ratings thanks to experienced agents and personal attention to each driver’s needs. Contact them with any questions about your policy or coverage options.
Get a Free Quote from Young America
Drivers in the Montgomery area can get a fast, free auto insurance quote from Young America Insurance in just minutes:
- Call 205-949-6797 to speak with a local agent directly
- Visit youngamerica.com and click “Get a Quote”
- Download the Young America Insurance mobile app
Provide details like your age, vehicle, driving history, and desired coverage. Young America will provide a detailed premium quote for your review.
There is no obligation to purchase a policy. Comparing quotes from multiple insurers ensures you find the best rate on quality coverage.
Trusted Local Service Since 1952
With a long track record of affordable insurance tailored to each driver’s situation, Young America Insurance is a trusted choice in Montgomery and throughout Alabama.
Their full-service local offices and friendly staff make getting the right coverage at the right price simple and stress-free. Drivers who have been unable to find budget-friendly insurance options can rely on Young America Insurance’s experience and commitment to the community.
Contact a Montgomery Young America agent today to discuss your needs and get a customized auto insurance quote.