Affirmative Auto Insurance Review

Operating in eleven states, Affirmative Car Insurance has specialized in meeting your auto insurance needs since 2005. Prior to that date, the insurance policies were owned by Vesta Insurance Group out of Alabama. Their shares were sold to Affirmative Insurance Holdings, Inc. which is based out of Texas. Most of their clients are in Illinois and Indiana and are serviced by independent auto insurance agents.

Other states that they serve include Arizona, Arkansas, Colorado, Georgia, Iowa, Nebraska, North Dakota and Wisconsin. Affirmative Auto Insurance has headquarters in Shelby, Ohio as well as offices in Texas, Florida and California. Affirmative Auto Insurance has a positive rating with the Better Business Bureau.

Affirmative specializes in insuring non-standard drivers, especially when other insurance companies won’t.

If you have a blemished driving record, even including speeding tickets or fender benders, have a specialized car or are considered high-risk because of your age and can’t get fairly priced rates with other companies, Affirmative is a provider that you should look into when comparing auto insurance rates.

Car Insurance Coverage Provided By Affirmative Auto Insurance

1. Full Coverage: Clients are fully insured and receive compensation on all covered losses.
2. Liability-Only: This covers claims where a lawyer is needed or when bodily injury happens to third-parties at the scene of an accident.

When you are comparing auto insurance rates, it’s not just the basic price that you need to take into account. You need to know of the discounts that the company offers. No two auto insurance companies have the exact same policies on which discounts they will and will not give. Here are the discounts that Affirmative Auto offers.

Discounts Offered By Affirmative Auto Insurance

If you meet the criteria, you could get discounts for the following:

1. If you insure multiple cars through the company you can get a discount of up to 18%.
2. Taking mature drivers education training can save you 5%.
3. If you have students on your policy and they earn high grades in school, you’ll save 5%.

Discounts Not Offered By Affirmative Auto Insurance

Unfortunately, this company does not give discounts for the following:

1. Being a low mileage driver.
2. Having a group insurance plan.
3. Having and using seat belts and car seats.
4. Using daytime running lights.
5. Having anti-theft devices.
6. Taking drivers education for new drivers.
7. Having anti-lock breaks.
8. Having air bags installed.
9. Participating in a car pool.

Additional Details About the Affirmative Auto Insurance Coverage Policy

1. Minimum deductible for comprehensive coverage is $500.
2. Minimum deductible for collision coverage is $500.
3. Maximum limit for Med Pay is $500.

Advantages of Affirmative Auto Insurance

1. Get reasonably priced monthly rates even when other companies would charge you a premium due to some “high-risk” factor.
2. A custom made policy that fits your needs and situation.

Disadvantages of Affirmative Auto Insurance

1. They don’t offer a wide variety of discounts, even for taking measures to make your car safer and less prone to break ins.
2. They aren’t rated by AM Best which makes some customers feel the company could be unreliable.
3. They only offer coverage in a handful of states across the nation.

How to Compare Auto Insurance

Checking the cost of auto insurance couldn’t be simpler; just type in your information on a website that compares the prices of many insurance companies for you.

1. Visit an auto insurance comparison website.
2. Fill in details that you are asked for which may include your age, driving history, as well as the make, model and color of your vehicle.
3. Select the companies which you would like to compare. Tip: Choose at least five or more so that you have a good selection of data to compare.
4. Read through the policies that are offered and compare the discounts for which you are eligible.
5. If you have any questions, contact a sales representative from the company. You can usually initiate an online chat at your convenience or call their toll-free phone number which should be easily located on their website.

Discounts Auto Insurance Companies May Offer

1. Paying annually can net you a decent discount as you are not taking up the time of office staff to send out invoices each month. Try putting aside a little extra cash each month so that you can easily afford to pay for a full year at a time.
2. Increasing your deductible from $250 or $500 to at least $1000. Insurance companies lessen their risk when you agree, through the act of choosing a higher deductible, to pay more of the costs yourself should you need to file a claim.
3. If you have low or bad credit, taking measures to increase your credit score will do wonders for lowering your premiums. Insurers see a correlation between customer’s credit scores and their history of making claims. The lower your credit score, the more likely you’ll be to file a claim and cost them money. Make sure that you are paying your bills on time each month. Pay off excess credit card debt and bad debt as quickly as you can. Check your credit report to make sure there are no errors being reported.

Summary

If you are in need of a new, cheaper auto insurance policy, take the time to do some comparison shopping. Consumers often comparison shop when buying items over $100, and your auto insurance shouldn’t be an exception. If you invest an hour or two today, you could end up saving a few hundred dollars over the course of the year. And that’s after tax money that you are saving!

If you are a non-standard driver, be sure to check out multiple insurance providers so that you can get the coverage you need at a price you can afford.