Alfa Car Insurance Company Review
The Alfa Mutual Insurance Company and its affiliated agents provide insurance and financial services to more than one million clients in a network of 11 U.S. states. Founded in Alabama in 1946 as an extension of the Alabama Farmers Association, ALFA’s goal was to furnish local farmers with high quality fire insurance at reasonable rates.
Today, Alfa Insurance is a multiple lines carrier that offers not only fire insurance but also competitive automobile, property and life insurance programs. Alfa Insurance is committed to excellence, serving their customers’ needs with integrity while providing the highest level of customer service.
Alfa Insurance affiliate companies include Alfa Farmers Federation, which represents 400 thousand farm and non-farm members and Alfa Vision Insurance Corporation. Alfa Realty provides realty services in central Alabama. In association with Alfa since 2001, the Alfa Alliance Insurance Corporation is a regional leader in property and casualty insurance.
In all, there are 400 Alfa Insurance service centers containing more than 2500 dedicated professional staff, ready, willing, and able to serve all of their clients’ insurance needs. As a financially stable company, A. M. Best affirmed this with a superior A+ rating in 2011.
Alfa Car Insurance Policy Options
Alfa Insurance offers its customer a variety of policy options, so each customer receives the maximum coverage benefits at the best possible price. In addition, Alfa Insurance offers many policy discount opportunities for its customers.
Coverage options include liability, for bodily injury and property damage resulting from at-fault accidents. This coverage also provides funds for legal defense in case of a lawsuit, and even covers lost wages up to $50 per day, for work time a policyholder may miss having to attend a hearing or trial.
Those drivers, who are involved in an accident, which is not their fault, are protected by Alfa uninsured or underinsured motorists’ coverage. These provisions even cover policyholders that are involved in accidents as pedestrians.
Collision coverage provides monies for needed repairs due to accidents where a car is struck by another object, such as a tree limb or a rock. There is usually a deductible amount associated with Alfa’s collision coverage, ranging from $200 to $1000. Alfa’s collision rider also provides for up to $200, covering the loss of luggage or clothing.
Reasonable medical payments resulting from an accident are also covered. In the case of a fatality, funeral expenses up to $2,500 are provided. Medical coverage includes the overnight hospital stay of a family member who is looking after an injured party.
Comprehensive coverage pays for damage due to vandalism, theft, fire, and collisions with animals. There is limited coverage for non-owned and rental cars. Comprehensive also includes $200 coverage for lost clothing or luggage when a car is stolen.
Optional Alfa Car Insurance Coverage
For nominal additional premium charges, Alfa Insurance offers several optional packages. Their most popular option is Alfa’s emergency road service program, which reimburses policyholders for towing charges and provides up to an hour of mechanical help. This includes changing a tire, battery loans, or delivery of gasoline.
An Alfa loss of income rider pays up to $750 per month (85% of your monthly income) for as long as a year following a car accident, if you are unable to work due to an accident related injury. This benefit extends to a spouse or other family member or any other occupant of the insured vehicle.
Travel expense and loss of use coverage pays out amounts of up to $100 per day, for securing a rental car while yours is being repaired under a collision or comprehensive loss claim.
Other Alfa Insurance Company Offerings
In addition to auto, life, and homeowner’s insurance, Alfa insures farms and other small businesses. Health insurance and dental coverage policies are several more of the quality insurance products currently available through Alfa Insurance.
Specialty lines include insurance coverage for churches, flood insurance, insurance for boats and other watercraft and umbrella insurance coverage. Through Alfa Financial Corporation, customers can apply for an assortment of personal loans.
Alfa Financial loans are available for cars, motorcycles, boats, and trailers. The company also makes loans on manufactured homes and provides consumers other secured personal loans with competitive rates and fees.
Alfa Farmers Federation Membership Benefits
Alfa Farmers members enjoy a wide variety of benefits. Members are entitled to a $500 rebate if they purchase a Ford automobile. Members also receive discounts for cellular telephone service through the T-Mobile network.
Federation members receive Sam’s Club gift cards with a new membership or when they renew their Sam’s Club membership. Federation members are also eligible for discounts with the health watch company, LifeStation and Trade “N” Post online-classified advertising.
Perhaps the most important set of discount offers for Federation members is with the Alfa group of insurance companies. Federation members qualify for group rates on health and dental insurance and can save on auto, home, business and life insurances.