Auto Insurance Near Me
If you do not live in the Lone Star State then you might already know about A-Max Auto Insurance . A-Max auto insurance only services the state of Texas.
A-Max Insurance started in 2002 and has been serving the community for many years. Currently they have 170 locations in 170 cities across the state of Texas.
A-Max offers online quotes, local agents and a skew of different coverages and add-ons to meet your needs.
A-Max is a billungel (Spanish/English) insurance agency for those needing service is Spanish. They even offer Mexico insurance products along with their Auto, Home, Renter, Motorcycle and commercial insurance.
A-Max Auto Insurance itself is not an insurance company but rather is an agency representing local insurance companies to help you find the best car insurance rates.
A-Max Auto Insurance Pros
- Local agents
- Good insurance rates for the coverage
- You can get an online quote and online payments
- Great BBB rating
A-Max Auto Insurance Cons
- Service fees
- Customer service can vary in quality based on location
- They do not have a mobile app
What Coverage Do A-Max Auto Insurance Offer?
A-Max Auto Insurance offers the following type of insurance coverage:
Liability insurance covers the cost of damages caused to property or causing injury caused from an at-fault accident. The legal required coverage is the state minimum, which in Texas is 30/60/25. $30,000 for bodily injury per person, $60,000 for bodily injury per accident, $25,000 for property damage liability per accident.
Each state minimums requirements are different and only New Hampshire does not have a state minimum. However in New Hampshire you are required to show proof of financial responsibility.
Unlike liability, collision coverage will cover damage to your car from an accident. These can include accidents with another vehicle or if you hit a tree.
Did you know if you are leasing or financing a car your lender will most likely require you have collision coverage. If you are leasing or financing your car we recommend taking a look at GAP insurance coverage.
If your car is paid off then collision coverage is optional and not required by any state law. You should consider the value and state of your car before adding any extra coverage which can increase your car insurance rates.
So what covers damages caused by a non-collision? Comprehensive.
Comprehensive coverage also protects you against car theft, vandalism, fire, natural disasters.
If you are driving on the road and you hit an animal and do not have comprehensive insurance then you would be on the hook for the cost of repairs.
Like collision coverage, if you are leasing or financing your car, then this coverage might be required by your lender.
If you are not then this coverage is optional and you should see your Kelly Blue Book value. Your car value should be higher than 10x the annual cost of comprehensive plus collision coverage to get this coverage.
Uninsured or Underinsured Driver Coverage
Based on where your address, you could be legally required to carry this coverage on your car insurance policy. The key to this coverage is covering costs due to other drivers not having or not having enough insurance. This is a situation you do not want to find yourself in, as it means you will have to cover all costs out of pocket.
Underinsured motorist coverage operates in the same manner and your insurance will cover cost in the event the other driver’s liability coverage is not sufficient.
In some states, you could need to have personal injury protection instead of, or in conjunction to, uninsured and underinsured motorist coverage.
Personal injury protection (PIP)
Personal injury protection, also known as PIP coverage or no-fault insurance, pays for medical expenses regardless who is deemed at fault.
Some personal injury protection plans will also cover lost wages due to injuries. Based on your state PIP could be an optional available coverage or it might be required.
Another advantage of PIP coverage is protection against injuries not caused when driving. Let’s say you are going for a walk with your dog or on a bike ride and you get injured by a car. Based on where you live, you might be covered up to the limit you selected.
To check if PIP coverage is required in your state, check the Insurance Information Institute (III).
A-Max Insurance Locations
A-Max started in Dallas over 10 years ago but it has expanded their service area. Currently they are located in over 170 cities in Texas.
You can find a few of their locations listed below:
- Corpus Christi
- El Paso
- Fort Worth
- Rio Grande Valley
- Round Rock
- San Antonio
How Do I Get A Quote From A-Max Insurance Claims?
There are multiple ways you can get a quote from A-Max. You can visit it on their physical location. Agents can help you with your coverage needs and give you a quote.
You can also call them directly at 800-921-AMAX to get a quote on the phone.
The most convenient way might be to get a quote using their online tool.
How Much Will I Pay For Car Insurance?
A-Max has a great quick quote tool online and below are some example quotes.
A Single female driver who is 25 years or older, with a car worth over 15k and owns a house can pay as little as $46 for state minimum coverage
A Single male driver who is 25 years or older, with a car worth over 15k and owns a house can pay as little as $45 for state minimum coverage
What Do They Need To Give Me An Online Quote?
The A-Max online tool will use the information provided to get you the best quote and the different coverages. Rates will vary based on the information provided.
Be prepared to provide the following information:
- Phone Number
- Driving History
- Vehicle Information (Year, Make, Model)
- Insurance History
How Do I Submit An A-Max Insurance Claims?
Since A-Max is not an insurance company, you cannot submit your claim directly with them.
According to their website you need to submit any claims directly with your insurance company. You can visit their site for a complete list of their insurance partners. You can also give them a call if you need help.
Each insurance company handles their claims process a little different but we recommend having the following handy:
- Date and location of accident
- Name and contact information of all parties involved in the accident
- Do not forget to get name and contact information if they are any eyewitness
- Pictures of the accident and any damages( if available)
- Police report (if applicable)
- Insurance policy number of all parties involved in the accident
- VIN and license plate number of cars involved
How Do I Pay My A-Max Insurance?
A-Max offers three ways to pay for your policy:
- Pay Online
If you pay online you will be asked to provide more information. You will need to provide address, VIN and license number
You can visit on of your local independent agent offices
- By Phone
You can call in to speak to a representative to get help on payment
Their website also has an interactive chat tool. Unlike many sites you can chat with a real person and not an automated chatbot.
Does A-Max Auto Insurance Have Good Customer Service?
According to our research the company has a very good BBB rating. We did not find many complaints. The ones we did find were resolved helping the company maintain an A+ BBB rating.
They also allow users to leave reviews and feedback. The majority of the comments and reviews are positive.
The common complaint we found is customer service can vary from one location to another. Each location is independently owned leading to different customer service experience.
What Do We think of A-Max Auto Insurance?
If you like dealing with a company that is local and having an agent that understands your neighborhood A-Max is for you.
Though they are not an insurance company, they represent and work with many insurance companies. This allows them to try and get you the best rates and coverages.
Just please remember this service is not free and they do have a small agency fee over your insurance premiums.
They also have some cool perks such as offering Mexico Insurance. This coverage will protect you if you are driving in Mexico and get into an accident.
The Mexico Tourist Insurance will cover medical payment, civil liability, legal assistance and bond. Please remember your US insurance does not cover you in Mexico.
Overall Verdict: We recommend A-Max Auto Insurance.
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