ACCC Insurance Company – 2023 Review

ACCC Insurance Overview

ACCC Auto Insurance is a privately owned insurance company that focuses on offering affordable prices on personal car insurance coverage. The company began operations in 1997 from its headquarters in Houston, Texas. 

ACCC Insurance Company has an extensive group of more than 3,000 authorized insurance agents, which are the primary sales outlet for its insurance products. Additionally, ACCC specializes in non-standard insurance coverage for higher-risk drivers by providing competitive monthly rates for this critical driving group. It’s one of the few providers that offer one-month coverage. 

ACCC Insurance Availability

ACCC Insurance primarily focuses on serving nine states in the southern area of the United States. The company is a licensed insurance provider, and its network of agents sells policies primarily in the states of:

• Texas
• Alabama
• Arizona
• Georgia
• Louisiana
• Mississippi
• New Mexico
• South Carolina
• Utah

Enter your zip code and complete an instant auto insurance quote request. Compare prices for ACCC non-standard coverage and save hundreds with direct rates.  

ACCC Insurance Website

An eagle logo represents ACCC Insurance’s main website, which is Drivewiththeeagle.com. Consequently, the company motto is “drive with the eagle.”

Recently, this insurance carrier has tried to move its online focus to a different website that reflects its core brand.

With this objective in mind, the company has developed ACCCInsurance.com, where the insurer could provide online quotes and sell direct policies at some point. In the meantime, you won’t be able to get a car insurance quote or purchase a policy through Drivewiththeeagle.com or ACCCInsurance.com. Fortunately, however, some options are available online for current policyholders, including:

• Online payment of your bill
• Submit and follow up on a claim
• Check your insurance policy
• ID Cards Printing
• Downloading the mobile ACCC auto insurance app

Once the new ACCC app is downloaded, which is available for iOS and Android users, policyholders will be able to make payments through it. Additionally, customers could verify their current policy, set up recurring payments, and print an ID card. There is also contact information on the website. During regular business hours, that is, 9 am to 6 pm central time, you will be able to contact an insurance agent or company representative.

An advantage for Spanish-speaking consumers is that the ACCC website has both English and Spanish versions. Having a site with a Spanish version is really a competitive benefit when this company’s target market is the southern states of the country. Many clients only speak Spanish in these states, and the company directs its marketing efforts to the growing Latino population. You can also get a free ACCC car insurance quote by calling toll-free and talking to a licensed agent.  

Available payment methods

• Debit or credit card payments
• Wire transfers 
• Electronic checks 
• Payment by mailed checks

Quick Facts About ACCC Insurance Company

1. ACCC is defined as selling non-standard car insurance policies, which is why it is considered a specialty insurance carrier. 
2. The company mainly provides non-standard coverage for drivers who find it difficult to get insured due to their high-risk profile. Many motorists with DUI violations on their driving record and reckless driving charges find their way with ACCC auto insurance coverage.
3. A bad sign about ACCC Insurance Company is its low rating by the Better Business Bureau. Furthermore, the company is not accredited by the BBB. Overall, ACCC has terrible reviews, mainly based on delays in claim payouts.  
4. The company offers one-month or 30-day policies. This is an advantage over the competition, as they attract customers who need coverage immediately but do not want to get a long-term policy for 12 months.

ACCC Insurance Coverage

ACCC primarily focuses on insuring drivers regardless of their driving history. Though as part of its reputation, the company sells non-standard auto insurance, which includes:

• Bodily Injury Coverage
• Roadside assistance coverage
• Property Damage Insurance
• Uninsured motorist coverage

This company is part of the narrow group that offers policies for only 30 days. As part of the non-standard auto insurance market, some clients only need immediate coverage for specific reasons. Buying a policy for 12 months is meaningless in these cases. Thus, more than 50 percent of ACCC’s sales are one-month auto insurance policies. After this period, some customers will try to get better coverage and rates, but others will renew the policy for another 30 days.

Insurance Coverage Costs

Among the factors that ACCC insurance includes to determine the rates according to the risk profile of each driver are:

• Driver’s age
• Driving history
• Type of vehicle
• ZIP code
• Homeowner/renter status
• Gender
• Marital status

As is common in the auto insurance market, drivers under 25 years old pay the most expensive rates for coverage. So is the case with ACCC, where a non-standard young driver policy could cost $250 a month.

Costly rates are another reason why many young drivers are inclined to get a 1-month ACCC car insurance policy.

Now, if a driver over the age of 25 does not have DUI convictions on their driving record, the fees can easily be less than $200 per month. However, although ACCC rates are cheaper for this age range, they are still expensive than other insurers.

Additionally, ACCC Insurance’s non-standard policies are more costly than standard coverage. This causes many people to buy only a 30-day policy due to the high price of the non-standard policies they need.

ACCC Auto Insurance Discounts

ACCC doesn’t provide as many discounts as other top carriers might offer for their standard coverage. Even so, the insurer provides specific discounts that drivers can take advantage of. Among them are:

• Good Driver discount
• Low Mileage Discount
• Military Discount
• Auto insurance discount for Seniors

Free Auto Insurance Quotes

So far, you won’t be able to get a quote online at the branded website Drivewiththeeagle.com or ACCCInsurance.com. Still, to get a free ACCC auto insurance quote, you can call an insurance agent toll-free. The company’s customer service hours are between 9:00 am and 6:00 pm Central Time.

Most drivers can save up to $600 by buying direct auto insurance. So, you can get a free online quote by using our free comparison tool. Just enter your ZIP code to compare the best premiums on non-standard insurance. Because it is fast and easy, in just five minutes, you can complete your quote application.

ACCC Insurance Reviews

In recent years, and in general, the company has had a bad reputation regarding the auto insurance claim process. The most notable complaints are based on the delay in claim payments or, even worse, the non-payment of claims.

On the other hand, many clients claim that the company has poor customer service. This lacking most negatively affects when customers need prompt responses the most, that is when a claim has been made.

Just to give an example of complaints about ACCC Auto Insurance:

“This company is a pure SCAM Alert! They never want to pay out claims, and when and if they do, it will be a whole 3 months later. You would have forgotten the fact that you had a wreck.” By Katrina Lee

Legal issues

On October 21, 2020, a judge in Texas placed the company into receivership. As a result, ACCC is no longer selling new insurance policies as the company is essentially insolvent at this time. If the company cannot find a partner with a solid financial situation to take over its insurance operations, it will not meet its financial obligations going forward.

Our Take on ACCC Insurance Company

At this time, ACCC insurance is not advised because the company has serious financial problems. Additionally, because the company is in receivership, the position of current ACCC policyholders is uncertain. Most likely, in the event of a car wreck and after filing a claim, they will not receive any claim payouts.

Fortunately, other alternatives may be more advantageous than ACCC for clients in need of non-standard insurance. The list includes solid carriers like TheGeneral.com and Good to Go Insurance Company.

In less than five minutes, you will be able to compare affordable non-standard auto insurance premiums. Get a quick quote online, and you can check out the best rates of the leading insurers in the U.S. Compare direct quotes and start saving hundreds on the coverage that best meets your insurance needs. Start your free, no-obligation online quote right away.