Knightbrook Auto Insurance Review

Knightbrook Insurance is not, in fact, a private passenger vehicle insurance company. If you’re looking for insurance coverage for your car then you will probably want to compare some quotes from some other companies. That said, Knightbrook does offer coverage in a wide range of fields, focusing primarily on niche business insurance.

If you’re looking to compare auto insurance quotes make sure you type in your ZIP code in our FREE auto insurance comparison tool. It’s the best way to get instant auto insurance quotes.

How Knightbrook Does Business

Operating primarily as an underwriting agency, Knightbrook uses an interesting process in order to make absolutely certain that every company they add to their insurance underwriting program meets with their standards of excellent. This 9 part process breaks down as follows:

1. Quantitative Review
2. Qualitative Review
3. Program Structure
4. Form Development
5. Rate Making
6. State Filings
7. Claims Communication
8. Performance
9. Analysis of Performance

If you’re not entirely certain what all of this means then it basically comes down to this: if a company does not meet with Knightbrook’s standards in these 9 distinct areas then that company does not get added to Knightbrook’s underwriting program.

The first two steps are sort of preliminary.

Here, Knightbrook simply takes a look at the company and determines whether or not they are worth the time and effort to look any further. They take a basic overview of what the company offers, who they sell to, their rates, their standards and practices and so on, and from there they will either green light or veto the next step.

Form development to state filings is a development stage where Knightbrook will put their years of experience towards cutting through a lot of the red tape and legal difficulties that come with selling insurance through an underwriting agency. The final steps in the process primarily focus on technology and integration, making sure that the new addition to the Knightbrook family is accessible and flexible.

Rating the Company

If you are looking for insurance in one of the business niches that Knightbrook cover, you will find that they have a lot of great products to offer at reasonable rates. Most importantly, the company currently carries an A- rating from AM Best, which means that they boast very strong and secure financial backing.

The company was formed by a merger between Excess Reinsurance and Northwestern Insurance back in 2008. Rather than this being a clear buyout or one-sided merger, the two companies have pooled their resources and expertise to create an entity that is very strong and very capable of delivering great insurance products.

What Customers are Saying

We’re happy to report that the vast majority of user reviews we could find on the web referred to Knightbrook as a company well worth doing business with. Excepting a single review which ranks the company at one star out of five before going on to sing their praises, for some reason, the general consensus has it that Knightbrook is an honest and forthright company.

The only real issue seems to be that Knightbrook might not have what you’re looking for. Generally speaking, Knightbrook would appear to honor their policies and keep their promises to customers. In this day and age, this approach to doing business is becoming tragically rare. In this sense, Knightbrook almost seems to come from simpler times.

Going With Knightbrook?

If you’re looking for niche business insurance, Knightbrook Insurance offers a lot of products at good prices, they have the financing to back up their policies, and they tend to get great reviews from customers across the board. However, you should always be careful when buying insurance to not simply purchase from the first viable option that comes along.

Comparing one insurance company to another is really the only way that you’re going to get the coverage that you need. Don’t jump on the first viable option, rather, take the time to really look at what’s out there, what sort of policies are available to you, what you can afford, and who offers the very best deal for you.

It may well be that Knightbrook offers the policy that you’re looking for at a price you like, but don’t take it for granted that they should.

“Compare and save” isn’t just an ad slogan for budget auto insurance companies, it’s also a great strategy to use when buying coverage no matter your price range.

So if you’re looking to compare auto insurance quotes, just type in your ZIP code in our comparison tool to find FREE auto insurance quotes.