A-max Auto Insurance Pros and Cons
The Bottom Line
With competitive rates and impressive customer satisfaction, A-max Auto Insurance is a strong choice for Texans who want cheap car insurance. However, the company has a few downsides that could give drivers pause if they’re considering getting policies.
After reviewing the country’s best car insurance companies, we found that A-max Auto Insurance doesn’t provide much information about the insurers it works with online. To get details on the insurance companies and coverage available through A-max, drivers must reach out for free quotes.
About A-max Auto Insurance
States available: Texas
AM Best financial strength rating: N/A
Insurance types: Auto, motorcycle, boats, RVs, home, renters, commercial
A-max Auto Insurance has been connecting Texans with insurance carriers for almost two decades. The Dallas-based insurance agency enjoys a reputation for quality service and below-average premiums, but it’s challenged by limited financial resources and few coverage choices.
A-max Auto Insurance doesn’t have a financial strength rating from AM Best. This is likely due to the company’s small size and the fact that it isn’t a direct provider.
A-max Auto Insurance Cost And Discounts
A-max Auto Insurance works as a middleman of sorts, getting quotes from more than 20 providers to help drivers find the lowest possible premiums. Because of this, you can expect to find affordable rates through A-max.
If you work with A-Max, your actual provider will be a different car insurance company. If that’s fine with you, you may be able to get lower rates through A-max.
No matter what provider you choose, certain factors will impact how much car insurance is going to cost you. Some of the most significant ones are below:
- Location: Those living in major cities like Houston, Dallas-Fort Worth, and San Antonio will likely pay more than residents of rural areas.
- Age and gender: Young men face expensive car insurance rates, though prices start to decrease when drivers hit age 25.
- Marital status: Singles get into more car accidents than married motorists, so they’re charged higher premiums.
- Credit score: The lower your credit score, the higher your car insurance premium.
- Driving history: Drivers with car accidents and DUIs on their records receive far higher auto insurance premiums than most others.
- Vehicle type: New cars, models popular with car thieves, and unsafe vehicles cost more to insure.
Because A-max Auto Insurance acts as a broker, its website doesn’t mention specific discounts available from the insurers it works with. Some of the most common across the industry include savings for good drivers, for cars with safety features, and for bundling policies such as auto with homeowners insurance or renters insurance. However, there’s no guarantee A-max Auto Insurance offers these.
A-max Auto Insurance Coverage
A-max Auto Insurance doesn’t offer many coverage options. If you’re hoping for insurance types beyond the basics, the company likely won’t fit your needs. A-max meets Texas minimum insurance standards but doesn’t go far beyond that. Look elsewhere if you’d like an insurance policy that includes guaranteed asset protection (also called gap insurance) or other additional policy types.
|Type of Car Insurance||Description|
|Liability||Bodily injury (BI) liability insurance covers the medical expenses for other drivers and their passengers after an accident where you’re at fault. Property damage (PD) liability insurance pays for damages to other drivers’ vehicles after an accident where you’re at fault.|
|Collision||Collision insurance pays for damages that occur while your car is moving, either with another vehicle or a road hazard, or if you flip your vehicle.|
|Comprehensive||Comprehensive car insurance pays for damages to your vehicle that are caused by animals or natural disasters. It also pays to repair or replace your vehicle if it’s stolen or vandalized.|
|Uninsured/Underinsured Motorist||Uninsured/underinsured motorist coverage pays for damages to your vehicle if you’re hit by another driver who doesn’t have insurance or doesn’t have enough insurance to fully pay for the cost of damages.|
|Personal Injury Protection||Personal injury protection (PIP) pays medical bills for you and your passengers after an accident. PIP may also pay for expenses such as lost wages.|
|Medical Payments||Medical payments (MedPay) covers medical bills for you and your passengers after an accident.|
|Roadside Assistance||Roadside assistance ensures you’ll get help if your car breaks down.|
|Towing Coverage||Towing coverage takes care of the costs of having your car towed after a breakdown.|
|Rental Car Reimbursement||Rental car reimbursement pays for your transportation needs while your car is in the shop for repairs.|
A-max Auto Insurance Mobile App
There’s no mobile app for A-max Auto Insurance, which isn’t surprising considering the company’s small scale. To get free car insurance quotes, potential customers must call an agent or use the agency’s mobile-friendly website, amaxinsurance.com.
A-max Auto Insurance Reviews
Better Business Bureau (BBB) Rating: B-
BBB complaints in last three years: 16
J.D. Power customer satisfaction index: N/A
Trustpilot rating: N/A
A-max Auto Insurance receives overwhelmingly positive reviews. However, average customer ratings for the company’s branches range from 3.3 to 4.9 out of 5.0 stars on Google, so your experience could depend on your location. The company holds a B- rating from the BBB.
Positive A-max Auto Insurance Reviews
Satisfied customers praise A-max Auto Insurance for its professional representatives and for offering some of the cheapest car insurance in Texas.
“A-max people are very helpful and kind. Helped me save money and are very understanding.”
– Gene F. via Google
“People are friendly and try to get you the best rates possible. I highly recommend them if you are on a budget and need good insurance.”
– Mohammed K. via Google
Negative A-max Auto Insurance Reviews
Relatively few customers speak negatively about A-max Auto Insurance, but those who do usually mention long waits when calling the company’s phone number and inadequate pricing.
“You are better off getting insurance elsewhere if you can. It’s also best to go in person or you’ll be put on hold for a long time. I never felt like I was getting a good deal.”
– Ysenia S. via Google
“Finance company could not get anyone [from A-max] to call back [to validate my car insurance], needless to say they sent my contract back to the dealership, and had to return the car.”
– Jerry H. via Google
Bottom Line On A-max: 4.0 Stars
We give A-max Auto Insurance 4.0 stars out of 5.0 overall. The company’s low premiums and caring insurance agents make it a solid choice for finding car insurance in Texas.
Other Recommendations For Car Insurance
Before choosing A-max Auto Insurance or another provider, compare car insurance options to make sure you’re getting the best rates and coverage. Below, we’ll look at two companies that offer strong reputations and stable financial records.
Geico: Best For Discounts
Geico backs up its wide-ranging insurance policies with exceptional financial services, so customers can rely on the provider to cover claims. Geico insurance reviews–including its A+ rating from the BBB–show that the auto insurance company also gives customers top-notch treatment.
Just because Geico is a financial heavyweight doesn’t mean it typically charges customers too much. In fact, the company’s average full-coverage rates for Texas drivers are about 5 percent below the national average.
USAA: Best For Military Members
San Antonio–based USAA earned the top score in Texas in the J.D. Power 2022 U.S. Auto Insurance StudySM. This likely comes as no surprise to its customers, as USAA insurance reviews often praise the company’s low rates and high service standards.
However, only military members, veterans, and their families can get insurance services from the provider. Still, USAA is hard to beat for those who qualify for its coverage.
A-max Auto Insurance: FAQ
How We Rate Insurers
Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:
- Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
- Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
- Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
- Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.
*Data accurate at time of publication.