Auto Insurance Companies That Accept American Express

People pay for their bills in a number of ways. Whether a person is using a debit card or credit card can make a difference for some insurance companies. Several popular auto insurance companies accept the American Express credit card, including some listed on the AMEX website. American Express also offers rental car insurance to help protect your vehicle, if you’re looking for a little more incentive as well. 

If you’re looking for car insurance companies that accept American Express, enter your ZIP code into our free quote tool to see what you could pay today.

What car insurance companies accept American Express?

If you want to pay your car insurance bills with American Express, you’ll need to go to an insurer that accepts the card. American Express lists several insurance companies on its website that accept its card for payments.

Some of the top insurance companies that accept American Express, according to its website, include:

• 21st Century
• Allstate
• Geico
• Liberty Mutual

If you’re unsure whether your insurance company takes your credit card or not, you should contact them and ask. If you’re applying online for an auto insurance company, you can usually find the payment methods they accept listed on the website.

According to the same site, you can earn rewards such as cashback rewards and airline miles on each statement. You can also set up your payments to be charged automatically to your card every month so there’s no gap in your coverage. Some companies will even offer discounts if you set up auto pay, which can help save money on your annual or monthly bill. 

Does Geico take American Express? Yes, as listed on the AMEX website, Geico takes the credit card.

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Are there benefits to paying bills with American Express?

Among the benefits of paying your insurance premium with American Express is a certain security in scheduling your insurance bills on your credit card. You should make sure your budget is enough to pay at least your premium plus interest each month to keep from exceeding your maximum balance on the card.

American Express also offers cashback rewards, airline miles, or reward points each time you use the card. Rest assured that each transaction is handled securely so your credit card data is safe.

Are there any negatives to using American Express for auto insurance?

When you use a credit card to pay for your auto insurance, you should be aware of some realities.

Your insurance company will charge each month, and each bill will be subject to interest at the end of that pay period. If you cannot keep up with the combined cost, you will meet your credit limit on the card.

To avoid maxing out your card, you should:

• Be aware of your card’s interest amount
• Pay more than your insurance premium each month
• Not miss a credit card payment

If you’re not careful about paying your bills, you could quickly lose both your credit card and the insurance coverage when you’re unable to pay. Make sure you only get the coverage you can afford, plus the interest that your card will apply to your purchases.

How do I apply for AMEX auto insurance?

If you’re looking for auto insurance companies that take American Express, you can first check American Express’s website, where they have a list of recommended insurance providers. Then, when you apply to your auto insurance company, you can apply in the same ways as other auto insurers.

When you apply for your auto insurance company with AMEX, you should ensure you have all the required information. When you are ready, you’ll be able to apply and get insurance much faster.

Some basic information to have ready when you apply for your auto insurance company includes:

• Your car’s make and model
• Your home address
• Identification such as your driver’s license, SSN, or ITIN
• Where you park your vehicle

Once your insurance company has this information, it will give you rates and start your policy. If you’re in the process of purchasing a vehicle, some insurance companies will allow you to begin the application and finish it when you get the car.

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How do I file for a claim with American Express?

You won’t necessarily file a claim with American Express, but rather you will use the card to pay your deductibles when filing a claim. You would contact your insurance provider in order to begin the claim process.

When your vehicle is damaged, you’ll want to get help paying for the repairs. The first step is to file a claim and make your insurance company aware of the damage to your vehicle.

After you notice the damage to your vehicle, here is what you need to do:

• Document the damage to your car immediately via photo and video
• Contact your insurance company and send evidence
• Get the damages evaluated by a mechanic
• Pay your deductible and get your repairs covered

Once your insurance company is aware of the damages and how extensive they are, you’ll be responsible for paying up to your deductible. Once you pay your share of the costs, your insurance company will cover the rest.

What is American Express premium car rental protection?

If you pay for a rental car with an American Express card, you can benefit from the premium car rental program. This insurance program protects your rental car for up to 42 days once you pay a flat premium.

There are multiple coverage options at an affordable flat rate for customers, starting at $15 for up to 42 days of coverage. You may also need to put the total cost of the auto insurance on your credit card.

What is and isn’t covered under American Express premium car rental?

When you’re covered under the American Express car rental program, you should know your coverage options. Some of the benefits of the program include:

• Worldwide protection, excluding Australia, Ireland, Israel, Italy, Jamaica, and New Zealand
• Coverage is primary for damage and theft
• There is no deductible for you to pay
• You only have to pay for coverage when you rent a vehicle
• Coverage of up to $100,000 on theft and damage

This insurance program is great for vacationers who might also get other benefits from American Express.

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How can I get cheap AMEX car insurance?

Your auto insurance company will determine your rates outside your payment method. Rates are based on factors in your life that are examined during underwriting such as your age and driving record.

If you want to get cheaper rental auto insurance through AMEX, consider lowering your coverage amount or renting a less-valuable vehicle. If you decrease the rental cost, your insurance will cost less no matter where you get insurance.

Also, make sure you’re taking advantage of all of the discounts you are eligible for.

What determines the cost of auto insurance?

Auto insurance companies often determine your rates on various factors that determine your risk. For example, since an insurance company is a business, it will evaluate you based on the chance it will have to pay out a large sum of money in a claim.

Therefore, the more accidents and tickets you have, the more your insurance underwriter may be concerned about having to pay out for repairs.

Some of the areas that your insurer will examine during the underwriting include:

• Your car’s value
• Your driving history and any criminal history
• Your credit history
• Where your vehicle will predominantly be parked (garage or street)

It all comes down to the level of risk that you pose to your insurance company having to pay out on a claim.

Auto Insurance with American Express: The Bottom Line

If you’re looking for auto insurance companies that accept American Express, you’re in luck. The credit card company lists popular insurance companies that accept its payment method. American Express also offers its car rental insurance program worldwide.

Now that you know about auto insurance companies that accept American Express enter your ZIP code into our free quote tool to see what you could pay.

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