American Modern Insurance Ratings, Discounts & Coverages

What discounts does American Modern Insurance offer?

American Modern Insurance strives to offer the best insurance coverage at the lowest possible costs. They offer a variety of discounts for snowmobile, collector car, boat, personal watercraft, motorcycle, ATV and golf cart insurance.

American Modern snowmobile insurance discounts

• Safety Course: Completion of a snowmobile safety course could save American Modern Insurance customers up to 10 percent
• Renewal: Renewing an American Modern Insurance policy for subsequent years could save policyholders 10 percent each year
• Association Membership: American Modern Insurance customers could save 5 percent for belonging to an approved snowmobile association
• Insuring Multiple Units: Insuring two or more snowmobiles with American Modern could save customers up to 15 percent

American Modern collector car insurance discounts

• Car Club Membership: A 10 percent discount can be applied to American Modern Insurance customers who are members of an approved club
• Anti-Theft Device: Vehicles insured American Modern and equipped with alarms, active disabling device, VIN etching and electronic vehicle ID systems could save customers up to 44 percent
• Accident Prevention Course: Policyholders who complete an approved accident prevention course are able to receive a discount of up to 10 percent in certain states

American Modern boat and personal watercraft insurance discounts

• Prior Insurance: American Modern Insurance offers a 15 percent discount to new customers without a lapse in coverage and a 10 percent discount if the lapse is less than 30 days (boat insurance discount only)
• Loss Free renewal: Customers save up to 5 percent on their first renewal and 10 percent on subsequent renewals
• Experience: Rates will be adjusted to reflect boating experience (boat insurance discount only)
• Diesel Fuel Engine: Boats equipped with a diesel fuel engine are eligible for a 5 percent discount with American Modern Insurance
• Insuring Multiple Units: Insuring more than one personal watercraft with American Modern could save customers up to 10 percent on their policy (personal watercraft discount only)

American Modern motorcycle insurance discounts

• Homeownership: American Modern customers can receive a 20 percent motorcycle discount for owning a home
• Claim-free renewal: American Modern policyholders can save 3 percent on their first renewal and five percent each subsequent years renewal
• Transferring Your Policy to Us: Save up to 10 percent with by joining American Modern with no lapse in coverage and a 1 percent discount if the lapse is less than 30 days
• Insuring Multiple Units: Policyholders could receive a discount of up to 10 percent for insuring two motorcycles or a 15 percent discount for insuring three or more

• American Modern ATV and golf cart insurance discounts

• Home Ownership: American Modern customers could receive a 20 percent discount if they've been homeowners for three or more years
• Claim-Free Renewal: Customers can save up to 3 percent on their first renewal and 5 percent on each subsequent renewal
• Transferring Your Policy to Us: Save up to 10 percent with no lapse in coverage and lapse in coverage and a one percent discount if the lapse is less than 30-days
• Insuring Multiple Units: Save 10 percent when you insure two ATVs with American Modern or 15 percent when you insure three

More about American Modern Insurance

The newest offering from American Modern Insurance Group is coverage for your pet. Their pet health insurance provides several options for cats and dogs. It includes general office visits, vaccinations, spay/neuter/ micro chipping, and teeth cleaning.

American Modern Insurance offers EZPay where customers can opt to have automatic withdrawals made from a bank or charged on a credit card every month.

Claims can be filed by phone through a 24/7 toll-free line: 1-800-375-2075, by mail, fax, or even online.

To learn about insurance options, make a payment, file a claim, manage your account, visit the American Modern Insurance website.