Finding car insurance that meets your needs while staying within your budget can be overwhelming. We’re here to help, providing you with the information and tools that make it easier for you to choose a policy that’s right for you. In this article, we give you an in-depth review of Infinity Insurance auto coverage to help you decide if this company offers the products and services you desire.

Infinity opened its doors in 2002, but Kemper Corporation bought out the company in 2018. Infinity is now a subsidiary of Kemper, except in California, where it still operates independently. Here’s everything you need to know about what types of coverage you can get, available discounts, and the process for filing a claim.

Infinity Insurance Car Insurance Coverage

This company offers insurance coverage at affordable rates to high-risk customers. It gives drivers the option to purchase a policy that meets the state’s minimum coverage requirements. They may also choose between three standard coverage options or create an individualized plan that meets their needs and budget. Infinity Insurance Company offers standard auto insurance coverage that includes:

• Liability protection: Pays for personal injury and property damage to others when you are at fault in an accident
• Collision: Pays for damages to your vehicle when you cause an accident or hit an object or animal
• Comprehensive: Pays for vehicle damage from theft, vandalism, wind, hail, and other non-accident causes
• Uninsured motorist: Pays for your medical expenses if an underinsured or uninsured driver is at fault in an accident

Infinity auto insurance works with drivers who need an SR-22. Companies provide an SR-22 form for customers who need it to prove they have coverage. Often, states require this form for those who have a reckless driver or DUI conviction, were convicted for not having insurance, or did not pay damages in an accident they caused.

The company also offers its customers free membership to its roadside assistance program. The DriverClub® provides roadside assistance 24/7. Joining the program doesn’t cost, but you pay for the assistance you need, as you need it. One unique aspect of this program is that anyone can join, even if they don’t have insurance through the company.

Discounts Available with Infinity Insurance

Car insurance can put a significant dent in your budget. At-risk drivers may find fewer options or higher rates for coverage. No matter your situation, shopping around can help you find the coverage you need at the best available rates. Fortunately, there are several ways you can reduce the cost of auto insurance.

One step every driver should take is to investigate available discounts from each company. Even if you don’t qualify for all discounts, you can save a significant amount of money on your insurance if you can take advantage of any of them. Infinity auto offers the following discounts for its customers:

• Vehicle safety. If your car has anti-theft devices, air bags, and anti-lock brakes, you can get a discount on your rates
• Safe driver. You get a reduced rate if you have had a clean driving record for at least 35 months
• Good student. Drivers who are full-time students and maintain a “B” average qualify for a discount
• Mature drivers course. Drivers who are over 55 and take a driver’s improvement course are eligible for a discount
• Multi-car. When you insure more than one car with Infinity insurance, you can get a break on your rates
• Bundled policies. When you get your auto and home insurance through Infinity, you get a discount on your rates
• Paid-in-full. If you can pay for the total amount of your insurance upfront, you pay less than when you make monthly payments
• Paperless. Take care of all your insurance needs online — including receiving your bills and filing a claim — and save money on your insurance
• Loyalty. Customers who renew their policies with Infinity auto insurance receive a discount

It’s important to note that not all states offer the same discounts. When you search for coverage in your state, you may not see every discount on this list.

What states does Infinity Insurance offer coverage in?

Infinity Insurance as an independent company is only offered in California, though its headquarters are in Birmingham, AL. As a subsidiary of Kemper Corporation, Infinity auto insurance is licensed to operate in the remaining 49 states and the District of Columbia. As a whole, the corporation services more than 6.6 million policies across the U.S.

Infinity isn’t a member of the Better Business Bureau. The BBB gives it a B rating, but customers on the site give it a 1.04/5 rating. Customers most often cite issues with customer service, which is an important consideration when looking for car insurance. Infinity Insurance is financially stable, as A.M. Best gives it an A for its credit rating.

How To File an Auto Claim with Infinity Insurance

If you need to file a claim with this company, you have multiple options, but they are all serviced through Kemper. You can contact the claims department by phone to file, or you can use their online claims portal. Kemper also has an app available for Google and Apple products, allowing you to submit your claim right from your device.

If you need to file, the company requires several pieces of information from you to complete the claims process. Before you begin, you will need:

• The name of the policyholder
• The policy number
• Information about the insured vehicle, including license plate and vehicle identification numbers
• Incident date and time
• Details about the incident, injuries, damages, and police report

Once you file, you can check on your claim using any of the three filing options. However, when using the app, it’s important to note that Apple and Google customers alike report having problems with the product.

Does Infinity Insurance offer any other types of insurance?

Infinity has a few additional products you can choose from if you need other types of insurance. In addition to personal auto insurance, the company offers the following insurance products:

• Motorcycle
• Homeowners
• Renters
• Commercial general liability
• Commercial auto
• Commercial property
• Business owner’s policy
• Professional liability
• Worker’s compensation
• Inland marine
• Key-person life
• Home-based business
• Business interruption

Customers who want to bundle their personal insurance policies to lower their rates can purchase their auto and home policies through Infinity. Infinity auto’s parent company, Kemper, offers a wide range of insurance products, including coverage for recreation vehicles, boats, personal valuables, personal umbrella, and health insurance.

Does Infinity Insurance offer the right coverage for you?

It can be hard to find car insurance that offers the coverage you need and fits within your budget, but comparing companies and taking advantage of car insurance discounts can significantly reduce your rates. Now that you know more about Infinity, you can see how this company compares to other insurance companies.

Car insurance is a necessary protection, but nobody really enjoys looking for a policy that fits their needs and budget. We get it, which is why we do everything we can to make finding the right insurance for you as easy as possible, giving you the information and tools you need to make informed decisions about your coverage. In this article, we look closely at SafeAuto Insurance Group to provide insight into its policies, discounts, and claims process.

SafeAuto has been providing insurance from its Columbus, OH, headquarters since 1993. It offers policies to drivers in 20 states, providing a range of products that include standard and optional coverages. Read on to determine if this company offers the products and services you need.

SafeAuto Car Insurance Coverage

SafeAuto insurance maintains a trimmed-down menu of possible plans. The company specializes in providing options for high-risk drivers. Therefore, it keeps its policies tailored to drivers who may find it challenging to get coverage. The company offers:

• Bodily injury liability. Covers medical expenses for others when you are the at-fault driver in a car accident
• Property damage liability. Covers damages to others’ property when you are at fault in a collision
• Collision. Optional coverage to repair your car when you have a rollover accident, hit an object, or hit another vehicle
• Comprehensive. Optional coverage repair your vehicle when it sustains damage from fire, hitting an animal, vandalism, or natural disasters
• Underinsured and uninsured motorist. Optional coverage for property damage and medical expenses for you and your passengers when the at-fault driver does not have sufficient insurance
• Medical expense. Optional coverage that pays for your and your passengers’ medical expenses after a car accident
• Personal injury protection. Required coverage in states that have no-fault car insurance laws to cover medical expenses after an accident, regardless of who is at fault
• Roadside assistance. Optional add-on that pays for emergency roadside assistance for specific events, including flat tires, dead batteries, and lockouts
• Rental reimbursement. Optional add-on that reimburses car rental costs after qualifying accidents while your car is in the shop

Though SafeAuto offers the above products, they may not be available in every state. PIP coverage, for instance, is only offered in states that implement no-fault auto insurance rules. In addition, there are limitations, conditions, and exclusions for each coverage type that establish parameters for when you can use the product and how much protection you have.

High-Risk Insurance With SafeAuto Insurance Company

All policies are not created equal, and many high-risk drivers find it challenging to find adequate car insurance at a reasonable price. SafeAuto extends coverage to drivers who are considered high-risk. Several factors can make you a higher risk for insurance companies. Your age, years of driving experience, driving record, credit history, location, and the type of car you drive are all considerations when companies evaluate risk.

This company helps high-risk drivers by offering policies that meet the state minimum without additional protections. Drivers who need SR-22 insurance can also get it from SafeAuto. SR-22 provides documentation that you have insurance that meets minimum state requirements. Courts and government agencies require some drivers to file this form. You likely don’t need one if you haven’t been instructed to submit an SR-22.

What auto insurance discounts are available from SafeAuto insurance?

Car insurance is a significant expense for many drivers, particularly those at higher risk. Fortunately, most insurance companies offer discounts that lower the cost of insurance. You may receive a discount from SafeAuto just by switching your insurance to this company. It also provides several other options for reducing your rates, including:

• Multi-car
• Multi-policy
• Homeowner
• Paid-in-full
• Proof of continuous coverage
• Defensive driver course
• Good student
• Over 55

Not all discounts are available in every state. SafeAuto aims to offer customers solid insurance at affordable rates, and discounts help the company achieve lower rates for many drivers. However, it’s a good idea to shop around to see how this company compares to others. When you use our free car insurance comparison tool and take advantage of any discounts you qualify for, you may be able to lower your rates significantly.

What states does SafeAuto offer coverage in?

Since 1993, SafeAuto has provided state minimum coverage to drivers in Ohio and beyond. It’s licensed to provide car insurance to drivers in the following 20 states:

• Alabama
• Arizona
• California
• Colorado
• Georgia
• Illinois
• Indiana
• Kansas
• Kentucky
• Louisiana
• Maryland
• Mississippi
• Missouri
• Ohio
• Oklahoma
• Pennsylvania
• South Carolina
• Tennessee
• Texas
• Virginia

If you live in one of these states, SafeAuto provides state minimum insurance as well as collision, comprehensive, and full coverage.

Like many companies that offer insurance to high-risk drivers, SafeAuto has a higher-than-average percentage of negative customer reviews. The National Association of Insurance Commissioners gives the company a 5.61 ranking on its company complaint index for auto insurance. The number the NAIC assigns means that the number of complaints about this company is 5.61 times as high as expected for a car insurance company.

How To File a Car Insurance Claim with SafeAuto

The company’s website is set up to make it easy to file from a device, allowing you to make a call or begin the online claims process with the click of a button. If you file online, you can do so at any time. However, if you choose to file by phone, you need to contact the claims department between 8:00 a.m. and 8:00 p.m. (Eastern Standard Time), Monday through Friday, or between 8:00 a.m. and 5:00 p.m. (EST) on Saturday.

When filing, you can save time by ensuring you have the information SafeAuto needs to process your claim. The company requires the following information:

• Your policy number
• The name, contact information, and addresses of all individuals involved in the accident
• Insurance information for other drivers
• The names of anyone who may have been injured
• Vehicle year, make, and model for all cars involved in the accident
• The accident date, time, and location
• A summary of what happened

The company recommends filing a police report, but it does not require you to submit one with your claim. SafeAuto has an app, but it does not provide an option for filing your claim. However, you can access claim information after you file.

Does SafeAuto offer any other types of insurance?

It’s often easier to manage your insurance when one company services them all. Having multiple policies with one company can also lower your rates. SafeAuto insurance products include:

• Motorcycle
• Boat
• Recreational Vehicle
• Renters
• Homeowners
• Business property

The company partners with Augeo Benefits to offer health, supplemental, dental, accident, and life insurance. Some of Augeo Benefits products are not available in every state.

Final Thoughts on SafeAuto Insurance

SafeAuto specializes in offering affordable insurance products for high-risk drivers, providing SR-22 and state minimum insurance along with full coverage options. It offers simple claim-filing options, but have received a higher-than-average percentage of customer reviews. Are you ready to see how StateAuto compares to other insurance companies in your area?

Locating affordable insurance, reviewing quotes, and qualifying for a policy is confusing. Luckily, we simplify the insurance process by providing multiple quotes in one place.

Founded in 1925, Country Financial provides insurance services in 19 states, including Arizona, Georgia, and Illinois. Country sells insurance through independent agents, or you can purchase a policy by contacting the company directly. The company is headquartered in Bloomington, Illinois.

This review provides information on Country Financial’s basic auto insurance and its supplemental coverage options. Also covered are insurance discounts, customer service ratings, and how to submit a claim.

Country Financial Auto Insurance

Country Financial is a collection of individual companies that provide financial services and insurance products. Country is made up of Country Trust Bank, Country Life Insurance Company, Country Mutual Insurance Company, and Country Capital Management. Until the early 2000s, the company went by Country Companies, and it is often still referred to by that name.

Country provides car insurance to drivers in 19 states. The coverage it offers meets the basic requirements set by all these states. Country Financials’ standard auto policy comes with the following protection:

• Bodily injury liability: Covers the medical bills of the other parties involved in the crash
• Property damage liability: Pays for the damage you cause to the person’s vehicle
• Uninsured/underinsured motorist coverage: Covers the medical bills for you and your passengers. Underinsured coverage helps fill in the gaps if the other party carries insufficient insurance.
• Medical payments/personal injury protection: Pays your medical bills for injuries you sustain in a covered crash
• Comprehensive: Covers non-crash incidents such as vandalism, theft, or weather damage
• Collision: Pays to repair your car if you are in an accident

Depending on your policy limits and state, your deductible may range from $0 to $5,000. The deductible is the amount you pay out-of-pocket before your insurance benefits cover any expenses.

Supplemental Coverage Options

Country allows drivers to customize their policies if they want extra protection. Depending on your state, the following add-on options may be available:

• Keeper protection: This feature provides coverage if you total your new car soon after purchase. While you will need to pay a deductible, Country will pay to replace your vehicle if it is less than four model years old.
• Roadside assistance: This feature allows you to call for help 24 hours a day, seven days a week. Country provides up to $100 of towing, fuel, or repair services.
• Rental vehicle coverage: Country will pay for a rental car if you cannot drive your vehicle because of a covered event. The limit for this feature is $800 in most locations.
• Personal effects coverage: This feature provides coverage if valuable items are stolen from your vehicle. The limit for reimbursement is $800 in most states. 
• GAP insurance: GAP insurance helps pay off your car loan if your vehicle is totaled and you still owe a significant amount.

Additionally, policyholders can add safety glass coverage to any policy. You don’t have to pay your comprehensive deductible to replace your windshield if you have this feature.

What car insurance discounts are available with Country Financial?

Car insurance discounts can help you reduce the cost of car insurance by hundreds of dollars in rewarding you for good driving and bundling multiple policies. Many people rely on these discounts to keep monthly payments reasonable. Country offers the following discounts:

• Multi-vehicle discount: Save on your rates by adding two or more vehicles to the same policy.
• Anti-theft device discount: Cars equipped with safety features like an alarm system save on comprehensive coverage.
• Good driver discount: Student drivers who maintain at least a 3.0 grade point average are eligible to receive 25% off their rates. Compared to other insurance companies, this is a significant discount.
• Engaged couple discount: You may be eligible for a discount If you are over 21 and plan to marry within 12 months.
• Driving course discount: Drivers who complete a state-approved defensive driver course can get a 5% discount on their rates.
• Occupation discount: Drivers employed by certain companies can save on their monthly rates. Teachers can save up to 10%, and emergency first responders save up to 5%.
• New car discount:  Policyholders who purchase a car that is less than a year old can save up to 10% on their monthly rates.

Country Financial also offers a Simply Drive safety course for teen drivers. Teens who complete this course are eligible for a 10% discount. Additional discounts are available to drivers over the age of 55.

What states does Country Financial offer coverage in?

Country currently provides auto coverage to drivers in 19 states, including:

• Alabama
• Alaska 
• Arizona
• Colorado 
• Georgia
• Idaho 
• Illinois
• Indiana
• Iowa
• Kansas
• Minnesota
• Missouri
• Nevada
• North Dakota
• Oklahoma
• Oregon
• Tennessee
• Washington
• Wisconsin

Country offers renters insurance in 18 states and life insurance in all 50 states and the District of Columbia. Make sure you check your state’s eligibility before purchasing a policy.

Each state sets its own minimum insurance requirements for drivers. Some states require only basic coverage, while others require more protection. It is not the responsibility of your insurance company to research these regulations. Make sure your policy is compliant with your state’s laws.

How To File a Country Financial Insurance Claim

Customer service is an essential factor during the car insurance claims process. Country ranks higher than many insurance companies when it comes to customer service. It was rated highly by J.D. Power in the 2020 customer satisfaction survey. Country Financial ranked better than average in numerous categories, including product offerings and the speed of the claims process.

Country’s claims process is relatively simple compared to large national insurance companies. Country policyholders can file a claim via the following channels:

• Via an online account
• On the mobile application
• Over the phone

A claims representative will contact you after you submit your claim. Your rep will walk you through the claim process and will decide how much money you receive. Provide your representative with the following details to help support your claim:

• Contact information for other parties involved in the accident
• Details of the crash including time of day, damage, and weather conditions
• Pictures of your car’s damage and the accident scene
• Contact information for law enforcement

Some people who have sustained severe injuries after an auto accident choose to have an attorney file a claim on their behalf. While this step may seem unnecessary for minor fender benders, it is a good idea if you are seeking a lot of compensation.

Does Country Financial offer other types of insurance?

Country Financial offers a range of other insurance products and financial services, including investments, annuities, and financial guidance. Depending on your location, the following insurance products may be available:

• Recreational vehicle insurance
• Property insurance
• Home insurance
• Health insurance
• Farm and ranch insurance
• Crop insurance policies
• Business insurance

Customers who bundle their car insurance policies with another policy may receive a discount of up to 25%. Keep in mind that offerings vary greatly depending on the state in which you reside.

Country Financial: The Wrap-Up

Finding the right car insurance can be tricky when you’re not sure where to look. Country Financial offers a solid option, granting both basic and supplemental coverage to motorists in 19 states. Rated highly by J.D. Power and Associates, it provides its customers with multiple discounts and a straightforward claims process.

It can be a challenge to find the right insurance for your individual situation. When you’re in the market for auto insurance, read reviews to find the best insurance company for your budget and coverage needs. This Kemper car insurance review provides crucial information to help you select the best company for your family or business.

This review covers several topics, including insurance coverage options, available discounts, policy availability, and the process to submit a claim. We also provide information on Kemper’s customer service ratings so you have everything you need to know about choosing the insurance company that fits your needs.

Kemper Car Insurance Coverage

Kemper is one of the leading insurance companies in the U.S. Founded in 1990, the company structure is made up of 6,000 in-house sales agents and 20,000 independent contractors. It provides various types of insurance to businesses, families, and individuals. Headquartered in Chicago, Kemper Corporation is made up of subsidiaries, including Kemper Property and Kemper Life, that offer different types of insurance. It is possible to create a personalized insurance policy comprised of several different types of insurance.

Kemper auto insurance coverage provides financial assistance for medical payments or property damage if you are involved in an auto collision. The company delivers an array of coverage options, including bodily injury liability, property damage liability, comprehensive coverage, and medical payments. Kemper specialty options include personal injury protection, accident forgiveness, trip interruption protection, and GAP insurance.

The company also specializes in SR-22 insurance to help high-risk drivers get back on the road following a series of car accidents. SR-22 coverage serves as proof that your auto policy meets specific coverage regulations if required by a state court order.

However, it consistently ranks below other auto insurance companies regarding customer satisfaction. According to the National Association of Insurance Commissioners, Kemper’s customer complaints doubled from 2019 to 2020. Further, the privacy of customer information has recently come into question. The company has suffered several high-profile attacks that may have compromised the security of policyholder information.

What car insurance discounts are available?

Kemper insurance offers a number of discounts and financial incentives for its customers. It provides accident forgiveness for your first collision, so your rates do not increase. It also offers a diminishing deductible option which decreases your deductible requirements if you go a certain amount of time without a collision.

Kemper car insurance provides discounts to keep your monthly rates affordable. If your vehicle is equipped with air bags, anti-theft devices, or anti-lock devices, you may qualify for a concession on your rates. Additional discounts include:

• Good grades discount
• Student driver
• Completion of a defensive driving course
• Multi-car policyholder
• Military discount

Kemper insurance payments can be paid online or on the company’s mobile application. The company offers several discounts when paying your monthly insurance bill:

• Advance quote purchase discount. Discounts are offered to members who buy a quote before its effective date.
• Payment in full discount. Kemper insurance offers discounts to customers who pay off their monthly rates at the beginning of the policy instead of paying monthly installments.
• Homeowner discount. You can save on your rates if you bundle your auto insurance with your home policy. 

There are also several discounts if you want to upgrade your car insurance coverage. In the Kemper Prime Auto Enhanced program, your first accident or minor traffic violation is waived with a diminished deductible if you drive safely in the future. The company also provides discounts if you have your payments automatically withdrawn from your bank account or if you bundle your home or health insurance with your auto policy.

What states does Kemper Insurance offer coverage in? 

Kemper agents sell auto insurance in all 50 states and the District of Columbia. However, keep in mind that certain states are considered preferred areas. Customers can purchase insurance directly from Kemper in these states, while insurance may be offered through a partner company in a non-preferred state. You can check the rates in your area by contacting one of the agents in Kemper’s extensive agent network.

How To File a Kemper Car Insurance Claim

Virtually every person in the U.S. knows someone who has been in a car crash. While buying a dependable vehicle and driving safely can decrease your risk of being in a car crash, you need to know how to file a claim if you are involved in a collision. Kemper insurance offers a streamlined claims process. Policyholders can file a claim in the following ways:

• Over the phone
• Via Kemper’s website
• On the company’s mobile phone application

You are connected with a Kemper insurance adjuster once you initiate the claims process. You need to compile several pieces of information before you contact the company to report the accident. Have the following handy when talking to your adjuster:

• Contact and vehicle information for all parties involved in the crash
• Crash details, including location, weather conditions, and time of day
• Pictures of property damage caused by the crash
• Names and contact information of responding police officers
• A copy of the official accident report 

Policyholders should also be prepared to provide a statement of events to the insurance adjuster. Keep in mind a Kemper insurance payment claim does not need to be filed by the policyholder. Agents, legal representatives, and other injured parties can also file claims.

Customer service is vital during the claims process. To best determine Kemper’s average customer satisfaction rating, we referred to scores from J.D. Power for more information. Its U.S. Auto Insurance Study rates U.S. car insurance companies. While the study only surveyed California-based customers, Kemper is the lowest-rated company. It was related below average for agent knowledge, helpfulness, and friendliness.

Does Kemper offer other types of insurance?

You can customize your auto insurance with other types of coverage to meet your needs. While you should confirm current coverage options with your agent, Kemper offers these types of insurance:

• Boat insurance
• Collectibles insurance
• Commercial car insurance
• Condo insurance
• Homeowners insurance 
• Identity theft insurance 
• Renters insurance 
• Life insurance

Remember that coverage options may vary depending on whether you live in a preferred or non-preferred area.

Kemper Car Insurance: The Bottom Line

Kemper auto insurance offers coverage in 50 U.S. states and the District of Columbia. When you purchase a policy from Kemper, your options include basic coverage plus supplemental insurance, including GAP insurance and trip interruption coverage.

Kemper offers several discounts for policyholders to keep rates low. These discounts are offered to clients who maintain good grades or pay their policies in full. While Kemper offers affordable insurance, it rates below average for customer satisfaction. J.D. Power and NAIC rate the company poorly in many customer service categories. You should carefully consider the importance of customer service to you before choosing Kemper auto insurance.

Shopping around for auto insurance is often a frustrating experience. It can be difficult to distinguish one company from the next, and it’s often just as hard to tell one policy from another. Our goal is to help you sort through the mire to find coverage that is right for you. Is State Auto insurance on your shopping list? We’ll provide the tools and knowledge you need to make informed choices, from our in-depth safety information to our thorough review of this company.

In our review of State Auto, we cover the important aspects you need to know about this auto insurance company. We give you details about their coverage and discount options, as well as what you can expect if you must file a claim.

State Auto Insurance Coverage

State Auto has been around since 1921, when it opened its doors as State Automobile Mutual Insurance Company in Columbus, OH. The company’s founder had a goal to make auto insurance more affordable, with a faster claims process. More than 100 years later, the company has expanded to 28 states, utilizing private agents to put together insurance products for their customers.

No matter what type of auto insurance policy you need, you will likely find it on offer at State Auto. The company has the following standard coverages:

• Liability. Most states legally require residents to carry liability coverage, which pays for other people’s property damages and injuries when you are at fault in an accident.
• Collision. Liability won’t pay for damages to your vehicle if you cause an accident, but collision coverage will. It also pays for repairs if you hit an object or animal.
• Comprehensive. This coverage pays for damages to your vehicle from hail, wind, vandalism, and other non-accident causes.
• Uninsured/underinsured driver. With this coverage, you’re protected if the at-fault driver in an accident has insufficient insurance coverage to pay your medical expenses. It also covers you in a hit-and-run accident.
• Personal injury protection and medical expenses. These plans pay for your medical expenses when you have a car accident, regardless of who is at fault. In many states, the coverage is optional, but in no-fault states, residents need this coverage.

State Auto also offers optional coverages, including roadside assistance, accident forgiveness, full glass coverage, and total loss coverage. The company provides customers with three policy levels: Standard, Protection Plus, and AutoXtended® Premier, each with standard coverages and optional add-ons.

What auto insurance discounts are available from State Auto?

Auto insurance rates are a significant factor for most people when searching for coverage. There can be a surprising difference between companies in the rates they charge. Comparing rates between State Auto and other companies in your area helps you select a policy that works for you.

While the type of insurance you choose impacts your rates, there are several other factors that affect the price of car insurance. Your geographic location makes a difference, as cost varies between and within states. You may even notice that your rates change when you move from one neighborhood to another within the same town. Age, marital status, and credit rating also play a role.

Insurance companies do usually offer discounts, and State Auto is no exception. This company provides numerous discounts that customers can take advantage of to lower their rates. Even if you only qualify for a couple of them, they can reduce your rates and sometimes significantly. State Auto’s discounts include:

• Good student
• Driver training
• Accident prevention course
• Anti-theft device
• Pain-in-full
• Multi-policy

The company also has a program called State Auto Safety 360®, a discount program that utilizes a device attached to your windshield to track your driving habits. If you enroll in the program, you receive an immediate 10% participation discount, and you have the potential to get up to 50% off when your policy renews, based on your driving score.

What states does the State Auto insurance company offer coverage in?

Every state except Virginia requires its residents to demonstrate financial responsibility to pay for accidents that they cause. Most people achieve this by purchasing auto insurance. However, not all companies offer insurance in every state. State Auto is available to residents in the following 28 states:

• Alabama
• Arizona
• Arkansas
• Colorado
• Connecticut
• Georgia
• Illinois
• Indiana
• Iowa
• Kansas
• Kentucky
• Maryland
• Michigan
• Minnesota
• Mississippi
• Missouri
• North Carolina
• North Dakota
• Ohio
• Pennsylvania
• Rhode Island
• South Carolina
• Tennessee
• Texas
• Utah
• Virginia
• West Virginia
• Wisconsin

The company’s products are offered through private agents within each state.

State Auto is not Better Business Bureau accredited; however, the BBB gives the company an A+ rating. While consumer ratings do not figure into the company’s rating, it’s worth noting that State Auto insurance reviews averaged 1.06/5 with the BBB. Furthermore, the National Association of Insurance Companies gives the company a Company Complaint Index Score of 1.84, putting State Auto well above the average number of complaints received for similar companies.

How To File a Car Insurance Claim With State Auto

If you have a car accident, you are usually required to contact your insurance company if it’s over a specific amount, which varies by state. Before filing, it helps to know what to expect from the claims process. State Auto claims are handled online. The company has an app available through Google and Apple, but it is only for its State Auto Safety 360® customers.

When you submit a claim, the company should ask for:

• Your policy number
• Accident or loss date
• Your vehicle identification number
• The mileage for your car
• Information about the other parties involved, including contact, driver’s license, insurance, and vehicle information
• Your preference for where you want to have your car repaired

You may also need to provide photos of the damage, so it’s a good idea to take these before starting the process. Alternatively, State Auto may send someone out to look at your vehicle.

After you submit your claim, you can check on the status using the company’s online portal. Once the company reviews the information and your policy and examines the damage, they send you an estimate for repairs followed by payment. The company deposits payments right into your bank account.

Does State Auto offer any other types of insurance?

State Auto offers discounts for those who purchase multiple products through them. Buying multiple policies under one company may make it easier for you to manage your insurance payments and plans. State Auto offers the following additional personal insurance products:

• Homeowners
• Renters
• Dwelling fire
• Umbrella

You may still want to compare rates and policies for these other products to ensure you get the coverage you need at a favorable rate.

State Auto Insurance Key Considerations

State Auto Insurance offers customers flexible plans, allowing them to choose the type and level of coverage they desire. Customers can also take advantage of several discounts to lower their rates. However, the company does not earn very high ratings with the BBB, so you may want to weigh this factor into your decision for auto insurance.

Finding affordable car insurance is a challenge for many drivers. Luckily, we are here to uncomplicate the insurance buying process by giving you the information you need to find the most affordable policy for your vehicle.

Founded in 1979, Safety Insurance is located in Boston, Massachusetts, and provides auto insurance to drivers in three states in New England. This review covers key topics about the company’s offerings, from policy and supplemental coverage options to discounts on rates and the claims process. It also gives information on Safety’s customer satisfaction ratings. Use this overview to help you choose the best insurance coverage for your family or business.

Safety Insurance Car Insurance Coverage

Safety Insurance provides automotive coverage to individuals living in Massachusetts, New Hampshire, and Maine. Based in Massachusetts, the company offers private car insurance, commercial auto coverage, and homeowners insurance. Safety has an established partnership with Safe Roads Alliance, giving customers real-time data so they can handle a variety of dangerous driving situations.

Safety Insurance offers coverage to meet your state’s minimum requirements as well as supplemental options. Learn more about these insurance options below.

Liability Coverage

Vehicle liability coverage is required in two of the states where Safety operates, and in some situations in New Hampshire. The company offers both bodily injury and property damage liability coverage. Massachusetts and Maine motorists must purchase a policy with minimum coverage to legally register and operate a vehicle. You can select a policy to meet your state’s minimum requirements, or you can increase your accident coverage for more protection.

Uninsured Driver Coverage

Most states require motorists to carry uninsured or underinsured motorist coverage. This type of insurance provides financial compensation if you are involved in a crash with a motorist who does not have adequate insurance to repair your vehicle. Uninsured motorist coverage from Safety can also help pay for medical payments if you are injured in the accident.

Comprehensive Coverage 

Most states do not require motorists to carry comprehensive coverage. This type of insurance covers damage to your car from non-crash events, including weather elements, theft, and vandalism. Comprehensive coverage may pay to fix or replace your vehicle if it is damaged in a covered accident. When choosing your coverage levels, most comprehensive policies come with a deductible, so ask your Safety representative about your deductible amount.

Collision Coverage

Safety collision coverage provides protection if you crash with another car or hit another object such as a fence, barrier, or tree. This type of coverage is typically optional, but many car finance companies require it.

Medical Payments Coverage

Safety auto policies can include medical payment coverage to help pay for hospital bills if you or a passenger are injured in an accident. Depending on your injuries, this type of coverage may pay for hospital stays, surgical procedures, doctor’s visitors, and medications.

Supplemental Insurance Options

Safety Insurance offers a range of add-on insurance options for motorists who want more coverage. Depending on your location, the following supplemental insurance options may be available:

• Rental vehicle loss of income coverage
• Personal effects coverage
• Emergency road travel expenses coverage
• Vehicle rental coverage
• Accident forgiveness
• Expanded personal effects coverage
• Seat belt coverage
• GAP insurance 

Adding supplemental coverage can increase your rates but provides more protection if you are involved in a collision.

What car insurance discounts are available?

Safety Insurance offers several discounts and financial incentives to keep rates affordable for customers. Depending on your area, you may access the following discounts:

• Good driver discount: Motorists who have had no accidents for five years save up to 10% on their rates
• Multipolicy discounts: Save up to 10% if you bundle your Safety auto insurance with your homeowners coverage 
• Multivehicle discount: Safety offers a discount of up to 10% for those with multiple cars on their policy
• Good grades discount: Student drivers who maintain a “B” grade point average or better are eligible for up to a 10% percent discount
• Electronic discount: Safety offers a 7% discount for customers who select electronic policy issuance
• Loyalty insurance: Customers who have been with the company for more than four years can save up to 4% on their rates
• Crash prevention course: Safety offers a 5% discount on motorists who complete a crash-prevention course
• Safety app: Drivers who download and use the Drive with Safety app are eligible for a discount

There are also discounts available for students who attend school more than 100 miles from home.

What states does Safety Insurance offer coverage in? 

Safety currently offers car insurance in Massachusetts, New Hampshire, and Maine. While there may be options for drivers who live in other states through partner organizations, coverage may be limited.

How To File a Safety Auto Insurance Claim

Being involved in a car crash is a scary experience, and you need to know where to turn if you need financial assistance for car repair bills or medical payments. While driving a reliable vehicle and driving safely can decrease your risk of being in a collision, you should know how to file a claim if you are involved in a car crash.

The Safety Insurance claims process is relatively straightforward. You can file a claim on the following platforms:

• On the phone
• Via Safety’s website
• On the mobile application 

An insurance adjuster will contact you after you submit a claim. Your adjuster is employed by Safety and will ask you questions and gather evidence to determine how much you will receive in financial compensation. You should collect the following information before you talk to your adjuster to streamline the process:

• Contact and car information for people involved in the collision
• Crash specifics, including date, weather conditions, and time 
• Pictures of car damage sustained if available
• Information for police officers who responded to the crash

You should also obtain a copy of the official crash report filed by the police department, if available.

Customer service is vital during the claims process, and Safety Insurance has consistently ranked above average regarding customer satisfaction when rated by J.D. Power. It also has far fewer customer complaints than other similarly sized auto insurance companies.

Does Safety offer other types of insurance?

Safety also offers other types of insurance to customers. Depending on your location, the following coverage may be available:

• Homeowners 
• Dwelling fire
• Business owners 
• Commercial umbrella
• Renters insurance
• Boat insurance 
• Cyber home protection

Safety Insurance offers discounts if you bundle your auto insurance policy with another type of coverage. You can optimize this discount by bundling three or more policies. The company also gives loyal customers the option to upgrade their home or auto insurance for a reduced price.

Safety Insurance: Final Thoughts 

Safety auto insurance is available in Massachusetts, New Hampshire, and Maine. Policy options include basic coverage plus more comprehensive protection, including collision, personal injury, and GAP insurance, and it offers several discounts to policyholders who meet specific criteria. With this detailed guide, you have the info you need to choose an insurance company with affordable monthly car insurance rates for your situation.

When shopping for car insurance, it is crucial to understand what coverage you want and read reviews for insurance companies in your area. This Alliance United review provides information on the company’s coverage options, availability, claims process, and discounts.

This review provides a comprehensive look at Alliance United’s insurance offerings so you can compare companies before requesting quotes. We’ll also cover information on specialty insurance offered by Alliance Insurance Company if you or a family member needs supplemental coverage.

Alliance United Car Insurance Coverage 

Headquartered in California, Alliance United Insurance company offers auto insurance to businesses, families, and individuals. Started in 2004, Alliance United Insurance Company is only available to California residents. Although coverage is only offered in one state, Kemper Auto acquired Alliance United in 2015. Due to the acquisition, coverage may be available to customers in other areas in the future.

Alliance United’s basic coverage options include property damage liability, bodily injury coverage, collision, medical payments, comprehensive, and underinsured motorist coverage. California drivers must carry bodily injury liability, property damage coverage, uninsured motorist bodily injury, and uninsured motorist property damage coverage. Alliance United’s basic coverage options meet California’s minimum insurance requirements.

Alliance Insurance Company also offers supplemental coverage options, including:

• GAP insurance. This add-on insurance option covers the difference between the value of your vehicle when it was totaled and the amount of money you have to pay on your lease or loan. GAP Insurance is often recommended for luxury vehicles and may be required by your financing company. 
• Rental reimbursement. This supplemental option helps you cover transportation expenses when your car is being fixed after a covered car accident. You can use this add-on to pay for a rental vehicle or public transportation. This coverage does not apply if you need a car on vacation. 
• Roadside assistance. This add-on coverage option offers on-demand help when your car breaks down. This add-on can help if you have a flat tire, stalled battery, or you run out of gas.  
• SR-22 coverage. This add-on is a certificate of financial responsibility provided by Alliance United Insurance. An SR-22 is required for some high-risk drivers by court order. 

Alliance United Insurance Company offers many options for high-risk drivers. While it is a good option for drivers with less-than-perfect records, you may end up paying a lot in fees for routine services such as automatic billing and phone payments.

What car insurance discounts are available?

Car insurance is expensive, but you can reduce your monthly payments by finding a rebate or discount. Alliance United offers discounts for various reasons, including getting good grades, driving carefully, or buying a vehicle equipped with certain safety features. The company offers various deals, including:

• Multivehicle discount
• Defensive driver course discount
• Multipolicy discount
• Safe driver discount
• Drivers over a certain age discount

Remember that the discounts for multivehicle policies vary depending on various factors. For instance, your deductible amount will go down a certain amount each year you don’t have a significant traffic violation or collision. Also, Alliance United offers a vanishing deductible program that helps drivers reduce their deductible by driving safely.

What states does United Alliance offer coverage in? 

Alliance United Insurance coverage is only available to drivers needing car insurance in California. However, it was recently acquired by Kemper Auto, and the coverage area may expand as a result. Thus, United Alliance has a much smaller coverage area than many other insurance companies. 

How To File a Car Insurance Claim With Alliance United

Many events can require Alliance United policyholders to use their insurance. The most common events that result in claims are rear-end accidents, vandalism, windshield damage, weather-related damage, and theft.

You need to file a car insurance claim to repair your car or replace it after it is damaged in a covered event. Gathering the proper evidence right after the collision and contacting Alliance United are the most essential steps to quickly getting back on the road. You can file a claim with Alliance in the following ways:

• On the telephone
• Via the Alliance United website
• Via the mobile application 

Before you file a claim, you should know information about your Alliance auto insurance policy, such as your coverage limits and your deductible amount. If you are making a comprehensive or collision claim, you should know whether you have rental reimbursement coverage. You should gather the following information before filing your claim:

• Contact information for the other motorists involved in the collision
• Crash details including date, time, and contributing factors
• Photographic evidence of property damage and contributing factors
• Contact information for responding police officers
• A copy of the accident report, if completed  

You should file your claim with Alliance as soon after the accident as possible. Many states have limits for making claims, and you could miss your opportunity to receive financial compensation if you wait too long.

Does Alliance United offer any other type of insurance?

Alliance United Company lets you bundle your car policy with other types of insurance. It offers the following types of insurance:

• Boat insurance
• Commercial vehicle insurance
• Condo insurance
• Home insurance 
• Renters insurance 
• Life insurance
• Health insurance 

You should talk with a sales agent for more information about multipolicy discounts in your area. You can maximize your discounts by adding as many policies are possible to your bundle.

Alliance United Insurance: Final Thoughts 

Alliance United has a minimal coverage area, only offering insurance to California residents. It also provides SR-22 coverage for those who require this type of insurance due to a suspended license or other driving problem. When you go with Alliance, you can buy a basic coverage plan plus insurance add-ons, including GAP coverage and roadside assistance.

Alliance United provides discounts to keep rates affordable for policyholders. Included are discounts for completing a defensive driver course, getting good grades, and adding multiple vehicles to your policy, among others.

While Alliance offers affordable insurance, particularly for those with less-than-stellar driving records, it rates below average for customer satisfaction. The company has numerous client complaints related to coverage limitations, unfriendly customer service agents, fees, and slow claims processing. Alliance also adds fees for many standard features, including automatic billing, online payment processing, monthly payment plans, and SR-22 forms.

Alliance United Insurance offers a mobile app feature that lets policyholders perform multiple functions in one place. Members can access policy identification cards in the app, make a payment, or access policy coverage limits. The app can be downloaded on both iOS and Android devices.

Shopping for auto insurance can be an overwhelming and lengthy task. There are dozens, if not hundreds, of insurers who claim to offer the best rates and most comprehensive coverage. We strive to take the headache out of the comparison process by providing thorough and objective reviews of the various insurance companies across the nation. Here we’ve focused on GoAuto car insurance.

In the following guide, learn everything you need to know about GoAuto insurance to determine if it is the right company for your needs. GoAuto, which provides coverage to drivers in just a handful of states, prides itself on being a low-cost auto insurance company — a title it maintains by offering barebones coverage.

GoAuto Car Insurance Coverage

Since it was founded in 2009, it has been GoAuto’s mission to save its customers money and to provide excellent customer service. It believes in doing business locally, which explains its presence in just four states. It keeps its rates low by foregoing commissioned agents. Rather, it sells policies directly to the consumer. As a result, it does not have to pay its agents for making sales, which translates to lower rates for its customers.

Per its website, GoAuto does not try to sell its customers expensive add-ons. Rather, its agents will help you decide what coverage you need based on state laws, minimums, and driving habits and help you build out a policy from there. It prides itself on offering flexible plans that you can customize to fit your unique needs and budget.

Through GoAuto, you can purchase the most basic coverage to protect you, vehicle occupants, and other drivers in various situations. Though state laws dictate the types of car coverage you must purchase, the company offers the following:

• Bodily Injury and Property Damage Liability. This is standard auto insurance coverage that covers the cost of vehicle repairs and medical expenses that arise from an accident you cause. All four states in which GoAuto operates require this coverage.
• Personal Injury Protection. PIP covers lost wages, medical expenses, and funeral costs associated with an accident, regardless of who is at fault.
• MedPay. As its name implies, medical payments coverage can help cover a portion of your medical bills that the other party’s insurance or your health insurance won’t cover.
• Uninsured/Underinsured Motorist Coverage. UM/UIM steps in to pay your medical expenses and cover the cost of repairs if you get hit by an uninsured or underinsured motorist.
• Collision Coverage. This type of coverage can help foot the cost of repairs to your vehicle, regardless of who was at fault for your accident.
• Comprehensive Coverage. When vandals or environmental factors, such as fallen tree branches, cause damage to your car, the comprehensive coverage portion of your policy may kick in.

GoAuto insurance offers few add-ons, and what extras it does offer, it does not offer in all states. For instance, in Louisiana, you can request rental reimbursement and towing coverage.

The company does offer “full coverage insurance.” Full coverage is not a specific policy but rather a policy you build yourself that includes coverage beyond the legal requirements. That usually includes comprehensive and collision coverage.

GoAuto Insurance Costs

GoAuto prides itself on being a “low-cost” auto insurance carrier. However, while it does not list its rates on its website, a sample quote reveals that the rates are about average for the regions it serves. For instance, the costs to insure a 2015 Toyota Camry in New Orleans for a period of six months through GoAuto are as follows:

• Full coverage paid in full: $1,736
• Full coverage paid monthly: $1,916 total, or $319 monthly
• Minimum coverage paid in full: $859
• Minimum coverage paid monthly: $967, or $161 monthly

The national median price of full coverage is $1,381 annually. Of the 14 major providers, 11 offer lower annual rates than GoAuto does biannually. However, it is important to note that GoAuto’s headquarters is in Louisiana. Lousiana auto insurance rates are among the highest in the nation. When compared to the cost of coverage through other Louisiana insurance companies, GoAuto may be the best option.

What auto insurance discounts are available?

The Go Auto insurance website does not list any specific discounts that it offers. However, per customer reviews, it does offer discounts in unique situations. Examples of discounts you may be able to get through GoAuto are as follows:

• Good driving history discount
• Anti-theft device discount
• Anti-lock brakes discount
• Multiple vehicle discount
• Discount for paying in full

GoAuto may also offer a military discount as well as a discount for switching from one insurance company to another.

What states does GoAuto offer coverage in?

GoAuto is a family-owned business that believes in doing business in the local communities it serves. Because of its values, it offers coverage in just a handful of states:

• Louisiana
• Texas
• Nevada
• Ohio

By remaining small, GoAuto insurance believes it can better serve its customers and keep costs low, as it promises.

How To File a Car Insurance Claim with GoAuto

GoAuto offers three ways to submit a claim: by phone, online or via its app, which is available both on the App Store and through Google Play. To submit a claim by phone, call the Go Auto insurance phone number at 1-833-700-0000.

When submitting a claim, regardless of how you do it, you need the following information:

• Your role in submitting the claim (insured, claimant, attorney representing the insured, etc.)
• Contact information
• Police report date, time, number, and details, if applicable
• Policy number of the GoAuto insured party
• First and last name on the GoAuto policy
• Phone number, email address, address, and vehicle info of the GoAuto insured
• The GoAuto insured’s vehicle passenger information
• Contact information of the non-GoAuto member
• Other vehicle passenger information
• Additional party information
• Injured party information
• Witness information

Once you submit your claim, a GoAuto agent will contact you within two business days. After an agent gets in contact with you, the investigation process begins. This includes interviewing all involved parties — including witnesses — obtaining police reports, and inspecting all vehicles. Following the inspection, a GoAuto insurance adjuster makes a determination and, if applicable, issues a GoAuto insurance payment.

Does GoAuto offer any other types of insurance?

GoAuto does not offer other types of insurance coverage. As its name implies, it is strictly an auto insurance company.

GoAuto Customer Satisfaction

GoAuto has a customer rating of 2.5 and 3.5 stars, depending on which source you ask. It has more customer complaints than insurance companies that offer cheaper options. On Google Play Store, the GoAuto app has a 4.0 out of 5.0 rating. On the App Store, its rating is much lower, at 2.8 stars out of 5.0 stars.

GoAuto Insurance: The Bottom Line

The Go Auto insurance company’s selling point is its ability to offer low-cost coverage by eliminating the middleman. It offers a little more than the basic coverage, including bodily injury and property damage liability, collision coverage, and personal injury protection. Though it does have add-ons, which extras it offers varies from state to state. The company has a strong commitment to remaining local, which enables it to offer in-person assistance in the four states it does serve.

For all that GoAuto promises to be, it is not the cheapest option out there, and nor is it the most practical for many drivers. That said, it does come with a few distinct advantages that other carriers cannot offer, such as simplicity and flexibility. If you’re in the market for a no-fuss insurance policy from a small, easily accessible company, GoAuto may be worth considering.

Shopping for the best coverage for your vehicle can be challenging, especially if you have a high number of accidents or moving violations on your driving record. People who own collector or classic autos or custom cars with major modifications may also find it difficult to get coverage.

Auto-Owners Insurance, a mutual company based in Michigan, offers many different types of coverage through its 48,000 independent agents. Operating in 26 states across the country, Auto-Owners Insurance has an A++ rating from A.M. Best. Read on to learn more about this insurer and how it may fill your coverage needs.

Auto-Owners Insurance Car Insurance Coverage

The Auto-Owners auto insurance company was founded in Michigan in 1916. Over the past century, Auto-Owners Insurance has grown into the 17th-largest mutual insurance company in the United States. With a solid A++ rating from A.M. Best, the company is well able to pay its claims in a timely manner. Auto-Owners insurance reviews from consumers have been mostly positive.

Today, Auto-Owners has 48,000 independent agents in states where the company operates.

Common types of car insurance coverage motorists can obtain through Auto-Owners Insurance Company include:

• Basic Liability: this is the minimum legal requirement in most states. It covers any damage and injuries caused by the insured in an accident, up to the policy limits.
• Collision: with this type of coverage, the insurer pays for any damage to the vehicle, regardless of fault or circumstance, up to the stated limits on the policy and subject to the insured’s deductible.
• Comprehensive: also known as “full coverage,” this policy covers anything that might happen to the vehicle, including theft, vandalism, and most natural disasters, up to the policy limits. The Auto-Owners comprehensive policy also includes glass replacement, veterinary services, rental car reimbursement, GAP insurance, and roadside assistance at no extra charge.

Less common types of coverage that consumers can obtain through Auto-Owners include:

• Personal Injury Protection: Usually abbreviated as “PIP,” this type of coverage is also known as “no-fault insurance,” and as of 2020, is a legal requirement in 12 states (noted below). PIP covers medical expenses and loss of income for the driver and any passengers, up to the policy’s stated limits.
• SR-22: Properly speaking, this is not an actual insurance policy. Rather, it is a certificate, proving the insured carries adequate liability coverage. SR-22 is a legal requirement for motorists who have been convicted of driving under the influence or have a high number of moving violations or accidents on their driving records.

In addition to the standard types of coverage, drivers who own difficult-to-insure vehicles such as vintage, collector, or custom cars can find a policy with Auto-Owners Insurance. The company also offers a number of add-ons with its Personal Auto Plus package. This is a rider that covers a number of situations, such as:

• Loss or damage to mobile devices, including GPS units
• Loss or theft of auto accessories such as sound systems
• Trip interruptions
• Rental cars and trailers
• Lost keys

Auto-Owners insurance company also offers coverage for ATVs, RVs, motorcycles, and trailers. Boat insurance is not available, however, you may be able to get coverage for watercraft under a homeowners policy.

What auto insurance discounts are available from Auto-Owners?

Most major insurers offer a range of discounts on their rates, and Auto-Owners is no exception.  One of the most common discounts is available if you insure multiple vehicles with the company and/or bundle your auto insurance with other types of coverage, such as homeowners, renters, or life insurance.

Other discounts for which you may qualify:

Advance quote: Auto-Owners Insurance offers a discount for customers who get a quote ahead of time and subsequently insure their vehicles with them.

Deductible: Minimize your premiums by selecting a higher deductible.

Driving record: Like many insurers, Auto-Owners Insurance company offers better rates to motorists who have not incurred moving violations. You may be able to lower it even more by attending traffic safety and defensive driving classes.

Favorable loss: If you have filed very few claims, you may be eligible for this discount.

• Full Payment: Customers who can pay for an entire year can get a better rate.

Green discounts: Auto-Owners charge less for coverage on vehicles such as hybrids and electric cars.

Mature discount: This discount is for experienced motorists of retirement age with good driving records (not available in all states).

Safety equipment: Cars with anti-lock brakes, anti-theft devices, and road sensors qualify for lower-priced coverage.

Teen and Student Drivers: Young, inexperienced drivers generally cost more to insure. However, a student who maintains a high GPA or whose car has GPS monitoring installed can get substantially better rates.

True-Ride Discount: Available only in Ohio, Auto-Owners offers this discount to drivers who participate in its telematics program. This involves the installation of a device that monitors a driver’s acceleration and braking habits.

Where in the U.S. does Auto-Owners Insurance offer coverage?

Auto-Owners is licensed to sell its insurance products available in the following states:

• Alabama
• Arizona
• Arkansas
• Colorado
• Florida
• Georgia
• Idaho
• Illinois
• Indiana
• Iowa
• Kansas *
• Kentucky *
• Michigan *
• Minnesota *
• Missouri
• Nebraska
• North Carolina
• North Dakota *
• Ohio
• Pennsylvania *
• South Carolina
• South Dakota
• Tennessee
• Utah *
• Virginia
• Wisconsin

*Denotes a  no-fault state

How To File a Car Insurance Claim with Auto-Owners Insurance

Auto-Owners Insurance has locally-based claims offices in all states in which they are licensed to operate. Filing a claim is as easy as contacting the agent with whom you purchased your coverage. On the company website, it states that its claims services are available 24 hours a day, seven days a week, including holidays.

Before contacting your agent, however, there are a few things to remember when in an accident:

• Call 911 and render aid to the injured as far as you are  able
• Obtain names, contact information, and license numbers for all involved parties
• Contact the police
• Get photos or video of the accident scene
• Contact your insurance agent as soon as possible

Under no circumstances should you discuss the accident with anyone other than law enforcement. Do not admit responsibility, or make a cash offer to the other driver.

Once you have filed a claim with your local insurance agent, Auto-Owners offers different options that enable you to keep track of the status of your claim. You can sign up for online access to your account, either on the World Wide Web on your PC or through a mobile phone app.

You also have a few different options for receiving your settlement:

• Direct deposit
• PayPal, Venmo, or another third-party payment service
• Auto-Owners Visa claim card

According to Auto-Owners insurance reviews, customers have been satisfied with how the company handles the claim process. As of 2022, the company has received only 121 complaints over the past three years, with 51 closed in the last 12 months, and has an A+ rating from the Better Business Bureau.

Does Auto-Owners offer any other types of insurance?

While car insurance is Auto-Owners’ primary line of business, the company also offers coverage for the following:

• Homes (including condos and mobile homes)
• Rental units (for landlords and tenants)
• Farms
• Businesses (including liability)

Auto-Owners also offers whole, term and universal life policies as well as annuities. It bears mentioning that, unlike other major insurance groups, Auto-Owners underwrites its own policies.

If you live in one of the states in which Auto-Owners operates and wish to take advantage of bundling discounts, this company may be worth taking a look at.

Auto-Owners Insurance: The Bottom Line

Auto-Owners Insurance is a 100+ year-old company with solid financials according to A.M. Best, and a A+ rating from the Better Business Bureau. Auto-Owners Insurance Company offers standard lines of coverage as well as niche coverage for difficult-to-insure vehicles and high-risk drivers.

When you are shopping for car insurance, you want the best coverage at affordable rates. Encompass car insurance is a great option if you prefer to file claims with a real person who can discuss your needs and answer your questions instead of relying solely on digital means.

Along with information on average policy rates and included coverage, there are other factors to consider when selecting the best auto insurance company. Is this auto insurance company legitimate? Who is the owner of the company? What types of coverage are available? These are all important questions to ask, and we cover the answers in this detailed Encompass Insurance review.

What is Encompass car insurance coverage?

Encompass Insurance was originally founded in 1897. It was later purchased and renamed by Allstate in 1999 and developed into the insurance company it is today. Encompass is based in Northbrook, Illinois.

The level of auto insurance coverage you choose depends upon your state’s requirement and your individual preferences and financial situation. You can choose from three levels of insurance coverage with Encompass:

• Special: offers basic coverage with the option to add on new car replacement, GAP coverage, or coverage on electronic equipment
• Deluxe: a mid-level policy that includes electronic equipment coverage. You can opt to add GAP coverage, new car replacement, or auto trip interruption
• Elite: includes the most comprehensive coverage. You get unlimited accident forgiveness along with all the benefits included in the other policies. GAP coverage and new car replacement are still considered add-ons and cost extra

Liability coverage is the minimum required in most states and covers injuries and damages sustained to another party’s vehicle when you are at fault. Collision insurance covers the cost of repairs to your vehicle. Comprehensive insurance covers damages that occur due to an act of nature, such as a fallen tree branch, animal damage, or theft.

Liability may not offer enough coverage to protect you financially. You can discuss the amount of accident coverage and other services that you need with an agent to find the best policy for you.

What auto insurance discounts are available?

Opportunities to save money on car insurance rates are important to customers. Encompass Insurance company stands out by offering quite a few discounts. Here is a list of what you may be able to qualify for:

• Safe driver. Applied for having no accident claims in the past 12 months
• Encompass easy pay. Applied for using the auto-pay feature
• New car. Applied for purchasing a brand new car with no previous owners
• Defensive driver. Applied for completing an approved defensive driving class successfully
• Homeowner. Applied for owning a home, even if you only carry an auto insurance policy
• Anti-theft. Applied for having approved theft prevention devices on your car
• Good student. Applied for maintaining a B average or 3.0 GPA
• Future effective date. Applied for purchasing a policy that goes into effect seven or more days from the issue date
• Pay in full. Applied for paying your total policy premium in one payment

With an extensive range of available discounts, you have a good chance of qualifying for one or more and saving money on your rates.

What are the ratings for Encompass Insurance?

Determining your auto insurance company’s reputation and financial stability is important before you purchase a policy. Reading what current and previous customers have to say can give you a good indication of how your experience with the company will be. Encompass Insurance reviews left by customers generally report that rates are affordable and the customer service is excellent.

The Better Business Bureau gave Encompass an A+ rating, although several customer reviews gave a poorer score, citing issues with payments and service.

A.M. Best also rated Encompass Insurance as A+. This is a superior rating for financial stability and excellent customer service.

The NAIC data shows that Encompass received a higher number of complaints than other similar companies. It was given a 0.42 rating, which is below average. Ratings are based upon several factors, including pricing, service, and coverage.

Finally, J.D. Power currently has no data specifically about Encompass, but it does score its parent company. Allstate scored an 803, just shy of making the top 10 list of companies.

What states does Encompass offer coverage in?

Encompass car insurance provides policies to customers in 38 states and Washington, D.C. States where auto policies are not currently offered are:

• Alaska
• Florida
• Hawaii
• Idaho
• Massachusetts
• Mississippi
• Montana
• Nebraska
• North Caroline
• North Dakota
• South Dakota
• Wyoming

If Encompass Insurance is not offered in your state at this time, you might want to check back at a later date to see if coverage has expanded to include more areas.

How do you file a car insurance claim with Encompass?

If you need to file a claim on your auto insurance policy, you only have one option. All claims must be reported by calling the Encompass claims phone number and speaking with an agent.

This human touch can be either positive or negative, depending upon your preferences. Some may find the connection with a real person easier to ensure that all details are covered and concerns addressed. However, the lack of flexibility in contact options could be a problem for those who prefer a digital approach.

When you call to report a claim, have the following information available:

• Personal details
• Your auto policy number
• Contact information for yourself and any other parties involved in the incident
• The location and time of the incident, as well as information about how it occurred
• Details about any injuries and medical documentation
• Pictures for proof of the damage and determining responsibility
• Policy report if available

Keeping this information nearby and ready to submit helps speed along your insurance claim. Once you have reported the claim, a claims specialist follows up with you. An agent is assigned to evaluate the damage and prepare an estimate on the cost of repairs. After this information and documentation have been given to you, you can review the details and complete the claim to receive payment.

Does Encompass offer any other types of insurance?

Encompass offers more than just auto insurance. You can also purchase coverage for the following:

• Boat insurance
• Watercraft insurance
• Motorcycle insurance
• RV insurance
• Condo insurance
• Renters insurance
• Earthquake insurance
• Umbrella insurance
• Identify theft insurance

Ask about options to bundle more than one type of insurance together.

Final Thoughts About Encompass Insurance

Encompass Insurance is available in 38 states and Washington, D.C. You have the option to select anything from a basic policy to full collision and comprehensive coverage. A variety of add-ons offer additional coverage for a fee.

With Encompass, you can potentially qualify for several discounts to reduce your rate. Claims reporting and customer service are conducted via phone call, although Encompass also has an app for convenient roadside assistance. This company has affordable rates and varied covered options, and receives generally good customer ratings for service and efficient claims processing.