insurance companies · March 12, 2023 0

Aspire General insurance review 2023

Aspire General insurance review 2023

Aspire General car insurance

Aspire General specializes in providing insurance policies tailored to the needs of high-risk drivers in California and Michigan. The company offers two levels of car insurance coverage: Savings and Advantage. Each level has its own set of underwriting guidelines and benefits, allowing drivers to select the option that best suits their requirements. It’s important to note that specific policy options may differ by state, so it’s recommended to consult with an Aspire General broker to learn about the options available in your area.

The Savings package provides basic coverage, while the Advantage package offers higher liability limits and additional endorsements such as rental reimbursement and towing. Regardless of the package chosen, drivers requiring an SR-22 filing can obtain one from Aspire General. Insurance brokers appointed by Aspire General sell the company’s policies, and you can purchase a policy through one of these brokers.

Pros and cons of Aspire General car insurance

Like all car insurance companies, Aspire General has both advantages and disadvantages that should be considered before choosing them as your provider. Here are some of the pros and cons of Aspire General car insurance:

Pros:

  • Competitive rates: Aspire General offers affordable rates for drivers who may have difficulty obtaining insurance elsewhere due to a poor driving record or other factors.
  • Flexible payment options: They offer a variety of payment plans, including monthly installments, which can help make insurance more affordable and accessible.
  • Online account management: Aspire General allows customers to manage their policies online, which can be convenient and time-saving.
  • Variety of coverage options: Aspire General offers a range of coverage options, including liability, collision, and comprehensive coverage, which can be tailored to meet individual needs.

Cons:

  • Limited availability: Aspire General only offers car insurance in a few states, which may not be accessible to all drivers.
  • Limited information available online: Some information, such as discounts and specific coverage options, may not be readily available online and may require speaking with an agent.
  • Mixed customer reviews: Aspire General has received mixed reviews from customers, with some citing issues with claims processing and customer service.
  • High deductibles: Aspire General may require high deductibles, which can be costly for drivers in the event of an accident.

Aspire General car insurance rates and discounts

Aspire General car insurance rates are not publicly available as they vary based on factors such as your driving history, coverage levels, and location. If you are a high-risk driver or require an SR-22 filing, you may expect to pay higher rates. To get a better idea of how much Aspire General car insurance will cost you, you should contact a broker for a personalized quote.

However, Aspire General does offer discounts to help drivers save on their car insurance premiums. The available discounts may differ based on the policy type and state, but here are some examples mentioned by Aspire General:

Multi-car discount: If you insure multiple vehicles under the same policy, you may be eligible for a discount.
Paid-in-full discount: You can receive a discount by paying your policy in full upfront.
Safe driver discount: Aspire General rewards safe drivers with a discount on their premiums.
Anti-theft device discount: You can receive a discount if your car has an anti-theft device installed.

Remember to check with Aspire General or your broker about the available discounts that may apply to your policy.

Benefits and Tools of Aspire General Car Insurance

Aspire General not only provides car insurance policies but also offers SR-22 filings for drivers who require them. These filings are typically required for major driving offenses such as DUIs, and they demonstrate to the DMV that the driver has an active insurance policy.

For drivers who don’t own a car but frequently drive, Aspire General provides non-owner insurance. This type of liability insurance covers these drivers. Aspire General also offers endorsements that may be beneficial, depending on the policy type and state. To learn more about these options, speak with an Aspire General broker.

Customer Satisfaction with Aspire General

Aspire General’s reviews from third-party industry agencies are mixed. The company is not ranked by S&P or J.D. Power, likely due to its smaller size. However, it does have a complaint index from the National Association of Insurance Commissioners (NAIC) and an AM Best financial strength rating. These metrics can help gauge the quality of a company’s service and its historical ability to pay out claims.

Auto Claims with Aspire General

Aspire General has a higher-than-average number of customer complaints for private passenger policies with the NAIC. This could be an indication of poor customer service. Before selecting a policy, it’s important to understand a company’s level of service.

In terms of financial strength, Aspire General has a B+ (Good) rating from AM Best. While not the highest rating, it does suggest that the company has historically had enough financial resources to pay claims.

How to File a Claim with Aspire General

Aspire General provides several options for filing an auto insurance claim, along with a helpful checklist of required information. To file a claim, policyholders can:

Policyholders can also seek assistance from their broker in filing a claim.

www.aspiregeneral.com