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ACCC Insurance Company Overview
ACCC Insurance Company is a privately held carrier focused on personal car insurance coverage at affordable rates. The provider primarily sells its coverage through a network of over 3,000 licensed insurance agents. In addition, ACCC sells competitively priced non-standard coverage to higher-risk drivers. ACCC is based in Houston, Texas and first began operations in 1997.
ACCC Insurance Availability
The company is a licensed insurer in nine states, and it mainly focused on serving the southern regions of the United States. ACCC Insurance has a strong presence in the Texas market and Alabama, Georgia, Mississippi, New Mexico, and South Carolina. Policies are sold through ACCC agents.
In recent years, the company improved its online web properties and might provide both quotes and policies online soon. To compare prices on non-standard coverage, enter your zip code and fill out an instant quote application.
ACCC Insurance Website
The main website for ACCC Insurance is Drivewiththeeagle.com. The company uses a logo of an eagle on its website; hence the name “drive with the eagle.” In the past couple of years, the provider has developed a new website ACCCInsurance.com, where the company plans to move most of its online focus to.
At Drivewiththeeagle.com, you can’t get an auto insurance quote or buy a policy, but for active policyholders, there are a few options. This includes:
- Pay Your Bill
- File a Claim and track an existing claim
- View Your Policy
- Print-out Identification Cards
- Download the new ACCC Insurance App
One key feature of the ACCC website is it’s in both English and Spanish. Many customers, especially those in the south, only speak Spanish. Having the site in Spanish is a key competitive advantage that helps serve the growing Latino population.
You can also find out contact information on the site and how to get ahold of an agent or company representative. It’s important to note that normal business hours are 9 to 6 PM central time. The new insurance app is available for iOS and Android users. Once downloaded, customers can use the app to make payments, set up future or recurring payments, check their policy, and print out an identification card.
Available Payment Methods
- Credit Card or Debit Card Payments are Accepted
- Electronic Check and Wire Transfers
- Checks by Mail Payment
Fast Facts about ACCC Insurance Company
ACCC is a specialty insurance company that sells non-standard auto insurance policies. The carrier provides needed coverage for drivers who have had past DUI infractions and reckless driving charges, among other violations. Many motorists who could not find any coverage due to their high-risk profile find a solution with ACCC car insurance coverage.
You should be aware that ACCC Insurance Company has a bad rating by the BBB or Better Business Bureau. In addition, the insurer is non-accredited by the BBB. This is a bad signal that demonstrates customers are not happy with ACCC.
One advantage that ACCC has over the competition is they offer one-month or 30-day policies. This is convenient for customers that need coverage right away but don’t want to be burdened with a long 12-month policy.
ACCC Insurance Coverage
The main focus of ACCC is selling non-standard auto insurance. ACCC has a reputation for insuring almost any driver, regardless of their past driving history.
ACCC Non-standard Vehicle Coverage includes:
- Bodily Injury Policies
- Property Damage
- Roadside Assistance and Towing
- Uninsured Motorist Coverage
ACCC policies can be purchased for just 30 days and up to twelve months. They are one of the few insurers in the U.S. that offer one-month car insurance policies. In the non-standard market, many customers just want to get covered for a short period. Over half of the insurer’s policies are just 30 days. While many people end up renewing their policy, many do so with another 30 day period, while others try and get better rates and coverage through a more traditional provider.
ACCC Insurance Costs
Drivers under 25 pay the highest rates for coverage with ACCC. Young motorists with a non-standard policy often have rates over $250 a month. This is one reason why so many customers opt to get a 30-day ACCC Auto Insurance policy.
For drivers over 25 that do not have a DUI conviction, rates can often be under $200 per month, which is still expensive. ACCC Insurance determines rates by the risk profile of each driver. This includes:
- Drivers Age
- Driving Record
- Vehicle Driven
- Zip Code where the vehicle is parked
- Homeowner or Renter
- Marital Status and Gender
Because ACCC sells non-standard policies, rates are much more expensive than standard insurance. Again, because of the high cost of non-standard policies, many people choose 30-day coverage.
ACCC Insurance Discounts
ACCC Insurance offers several discounts that drivers can take advantage of. While the insurer does not have as many discounts as most standard companies, they do offer discounts.
- Military Discount
- Accident-Free Discount
- Low Mileage Driver Discount
- Senior Citizen Discount
Get a Free ACCC Insurance Quote
You can get a free ACCC Car Insurance quote by calling a licensed agent toll-free between the hours of 9 AM and 6 PM central time. At this time, you cannot get a quote online at ACCCInsurance.com or the branded website Drivewiththeeagle.com. To compare the best rates on non-standard coverage, get a free online quote with this free comparison tool. To start, enter your zip code. The quote application only takes about five minutes to fill out, and most drivers can save up to $600 by buying direct.
ACCC Insurance Reviews
ACCC, in recent years, has had an overall bad reputation. One of the main complaints is claim payments being late or non-payment of claims. In addition, many people feel like customer service is lacking, especially when a claim has been filed and customers need immediate answers.
As stated earlier, ACCC has an F rating with the BBB. Complaints include:
“I filed my claim over 2 months ago and have not received a penny from ACCC. Their customer service reps always promise me the claim payout is ready, but I have not received anything and cannot make repairs to my vehicle. I don’t know what to do now.” Kyle Rawlings, Tyler, Texas.
ACCC insurance was placed into receivership on October 21st, 2020, by a Texas judge. The company is essentially insolvent going forward and cannot meet its financial obligations.
At this time, ACCC is no longer writing new policies and is looking for a partner with a strong financial position to take over its operations.
Our Take On ACCC
ACCC insurance should be avoided as the company has severe financial problems and is in receivership. In addition, existing policyholders are in a dubious position and might not get any claim payouts in the event they get into an accident and file a claim.
There are other alternatives in the non-standard insurance market far better than ACCC Insurance. These include stronger companies like TheGeneral.com and Good to Go Insurance Company.
To Compare the cheapest non-standard car insurance rates, get a fast quote online. You can compare side-by-side rates from leading insurers in less than five minutes. So get the coverage you need today and save hundreds more by buying direct.