For this reason, choosing the right auto liability limits is the most important part of your car insurance quote comparison. NerdWallet typically recommends having at least as much liability coverage as your net worth. Compare national average annual car insurance rates for 40-year-olds by company and by state below. Keep in mind that not all of these companies are available in every state. But to help you get going, we can show you average annual rates for minimum and full coverage car insurance by state and by company, from many of the largest insurers in each state.
Our Carinsurance.com team is made up of regular people with insurance policy needs, just like you. We just happen to know a little more about insurance than the average bear. It’s important to note that due to the nature of the cars the company is insuring, Hagerty places some restrictions and guidelines on these perks. First and foremost, the covered classic or exotic vehicle cannot be driven daily.
Ashlee is a dynamic business writer and editor with a focus on personal finance. With an MBA and more than fourteen years in the finance industry, Ashlee brings a practical and relatable perspective to insurance topics. She is passionate about empowering others to achieve financial success and protect their assets. When Ashlee isn’t writing and editing, she enjoys spending time with her partner, dog and chickens on their farm in Kentucky. If yes, then you might choose state minimum insurance, which is the cheapest option that lets you drive legally.
As such the claims process is a fast one with minimal hassle. While that’s going on you can get a rental car with no upper limit and there’s also accidental forgiveness so that accident shouldn’t even push up your premiums. All that, of course, isn’t as cheap as some options out there, and there’s no green vehicle benefits, but on the whole this is a really great auto insurance offering.
This is the best rating possible, and it indicates Geico will likely have the funds to pay out for insurance claims. Moreover, the few negative customer reviews of Geico tended to focus more on high prices for drivers with accidents than customer service. This is consistent with the quotes that we gathered that showed Geico to be more expensive than average for higher-risk drivers who have accidents on their records. Geico doesn’t underwrite its own homeowners insurance policies, meaning that the coverage you purchase from Geico will be serviced by one of its 31 partners. After purchase, any claims or communication will be through the underwriter of your home policy rather than with Geico. Your credit score reflects your ability to manage your finances and make good choices, as well as pay your bills on time.
CNET’s compensation is never tied to whether you purchase an insurance product. Advertised example rates are returned based on the driver’s self-reported data and the driver meeting certain criteria. Also, safe driver and other discounts may have been applied to achieve the advertised rate, which may not be available to the average consumer. Your actual quoted rate may vary greatly and may be subject to adjustment based on verification of your self-reported data.
When you hit age 25, ask your insurer to review your policy, said Amy Bach, executive director of insurance consumer group United Policyholders. Do not wait to be offered a discount or a rate reduction,” she said. Whether you’re renewing your insurance policy or looking to expand your missouri auto insurance coverage, you’ll want to understand every part of your policy, including theinsurance declarations page and protections. USAA offers the lowest rates for drivers with an accident on their record, but this company is only available to military members, veterans and their families.
- In the case of a vehicle which is entirely at loss, authorized rental time will be limited to a period in which you can shop for a replacement vehicle.
- The best option is usually to add your child to your insurance policy, as it is the more economical choice for both you and your child.
- You may also be able to save money after retirement if you’re driving fewer miles each year.
- Any American insurance company that underwrites coverage has an NAIC number, including health insurance, life insurance, and fire insurance companies.
- All those years with this company and they treat me with little to no regard.
- If you are pulled over, you can be fined for not having valid proof of Florida car insurance.
To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our partners. Auto-Owners sells insurance for cars, ATVs and off-road vehicles, motorcycles, trailers, and boats. For those who enjoy exploring the nation in a motorhome, Auto-Owners sells motorhome and RV coverage. Geico’s good rates and low complaint level boosted its rating. Many or all of the products featured here are from our partners who compensate us.
Tips On Getting Cheap Car Insurance
At Progressive, we’ve built our business around understanding what you need and what’s important for you to protect. That’s why we offer a wide range of insurance products to meet your specific needs, including customized coverages. But, in all honesty, the savings you will get when you go directly with a homeowners insurance company will be much better. Now that you have decided to look for homeowners insurance, I understand why a GEICO home insurance review would be one of the first reviews on your mind. Injuries that meet this definition are grounds for a lawsuit in Florida.
Some of the cheapest cars to insure include the Mazda CX-3 Sport, Honda CR-V LX, and Jeep Wrangler Sport S. Covers you and any passengers while riding in your golf cart if you’re injured by another driver with no insurance or not enough insurance. You’re also covered if an uninsured or underinsured driver damages your golf cart. We love getting to know our customers and are here to help in-person at any of our locations to give a new quote or make a payment. Reasonable prices for insurance I went to 6 others and they were the cheapest by far. Good student discount is usually available for full-time students under the age of 25 who have a certain GPA or letter-grade average.
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually. Although larger insurance companies tend to dominate the market, smaller companies may also be able to meet your insurance needs. It may be worth obtaining quotes from multiple companies, both large and small, to find the company that best fits your situation.
Choose A Sensible Car
Ranked the No. 1 auto insurer in California, Esurance is making inroads around the country . A division of Allstate, Esurance promises customers that switching or cheap auto insurance quotes online signing up for car insurance can be as easy as possible, or “painless,” as the company puts it. It offers auto, motorcycle, renters and homeowners insurance.
Find out how gap insurance can protect you if your financed/leased car is totaled or stolen.What is full coverage car insurance? Discover what “full coverage insurance” is and how you can maximize your coverage choices.How to shop for car insurance Get everything you need to start quoting car insurance like a pro. For most people who enjoy using technology over in-person exchanges, the savings offered by GEICO will be well worth it. For young drivers and drivers who have had at-fault accidents, rates offered by GEICO may be much higher than other options. This contract does not guarantee that your rates will stay the same, so rates could rise to an unpayable level even if you have this contract. GEICO offers this policy even to new clients, which sets them aside from their competition that offers loyalty renewal lock-in programs.
If you need any of these additional coverages, always choose the same coverage levels and deductibles , so you are comparing apples to apples when shopping for a new policy. Once you have found the right price and coverages for your needs, always be sure to check the financial strength of any insurer you are considering. “In reality, there is no policy that will cover you and your car in every situation,” says Penny Gusner, senior consumer analyst for Insurance.com. Prior to joining Insurance.com, she reported and edited articles on technology, lifestyle, education and government for magazines, websites and major newspapers, including the New York Daily News. She exclusively drives old Subarus with many miles on them.
Let’s say her car is worth $4,450 as the “actual cash value” an insurance company would pay. If her car were totaled tomorrow and she still carried full coverage, she would get a check for $3,950 – the car’s actual cash value minus her $500 deductible. In other words, she is paying $496 a year to protect herself against a $3,950 loss. You’ll see how much full coverage auto insurance costs per month, and annually. You’ll also see the difference in cost for full coverage compared to state minimum liability-only coverage.
Click at “Get Free Quotes” above to get lower rates on home coverage. The quickest way to contact us is through our app or online. Recurring Card Payments charged to a credit or debit card and Electronic Funds Transfer payments made under a recurring payment plan are subject to installment fee charges. Please refer to your premium bill for installment fee details and amounts. Learning to drive is exciting but comes with lots of questions, too.
What Do Parents Need To Know About Teen Delivery Driver Auto Insurance?
Esurance also offers a policy meant to help fill gaps in coverage for Uber and Lyft drivers. Online auto insurance quotes comparison is the insurance shopping of the future. Unsafe lead generation sites sell your information to the highest bidder, and agencies won’t always give you the full picture. Only comparison sites provide a no-obligation and free route to car insurance savings based on your financial needs and driver profile. Otherwise, Gabi’s flow was similar to other estimated quote comparison sites, with the extra steps of account setup that seemed unnecessary.
For instance, in Florida, GEICO’s motorcycle quotes were consistently lower than any of its competitors’ quotes, including Progressive, Markel and Dairyland. Thanks to its low rates and discounts, GEICO’s motorcycle insurance has fairly positive reviews. Auto life home health business renter disability commercial auto long term care annuity. As long as the owners coverage is sufficient and you the non owner driver are not sued you are fine.
GEICO will use this information to give you quotes with different coverage options which you can customize based on your needs. Once you’re satisfied with your quote, GEICO will review your driving record to finalize your quote and premiums. Do you ever check Yelp before making a restaurant reservation?
When I finally reached a live person they would tell me I had the wrong department, extension or the wrong state for AAA auto insurance. It was impossible to get in contact with the actual department I needed to speak with all my questions and concerns. I even tried to contact the AAA corporate office to file a formal complaint, but only got an automated system asking if I needed roadside service. No one should have to go through this type of process just to get their car repaired by AAA auto insurance. AAA canceled my auto insurance for no given reason and never notified me . They were quick to blame USPS for me not receiving notice rather than taking responsibility on their end.
When you select state minimum as your desired coverage level, we’ll only show you insurance policies that meet those requirements. One at-fault accident can really jack up your car insurance bill. After an accident, don’t just accept your insurance company’s new rates! A DUI conviction leads to an average increase of more than $1,000 a year. Even with a DUI conviction you can shop around for cheap car insurance.
But when shopping for car insurance, Massachusetts drivers may want to consider more than just the price of a policy. Coverages, discounts, policy features and a company’s third-party customer satisfaction and financial strength ratings are also important factors to keep in mind. AAA offers a variety of coverage options, including collision, comprehensive, liability, rental car reimbursement and more.What does AAA comprehensive coverage offer? Your AAA auto insurance costs depend on several factors, including your location. You have to be an AAA member to benefit from its insurance, so make sure to factor in membership costs ($50+ per year).Can I cancel AAA auto insurance? AAA offers a flexible cancellation policy, so you can cancel over the phone, by email or in person.
Additional Geico Property And Liability Coverages
That means that you can buy a general liability policy from GEICO, but a third party will handle billing, claims, and customer service. As of 2018, Hiscox Insurance handles most GEICO commercial policies. Our full coverage rate estimates show Progressive is about 19% cheaper than the national average. This applies to 35-year-old drivers with good credit and driving records. Many drivers find cheap car insurance with Progressive — especially those who qualify for discounts — but the only way to find the most affordable coverage for you is to shop around.
When shopping for car insurance, the company you choose can significantly impact how satisfied you are with your auto insurance policy. Bankrate’s proprietary research method revealed that the most highly-ranked car insurance company is USAA. USAA is only available to military-affiliated customers; if you do not qualify for USAA, Amica or Geico could be a good option. State Farm allows policyholders to save up to 17% when they bundle policies. With State Farm you can save up to $800 by combining home and auto insurance.
ok bud have a nice day being a toxic friend 💕 anyways
In Just 15 Minutes, You Could Save $500 or More On Auto Insurance. Get a Free Car Insurance Quote with GEICO Auto Insurance Today! 75+ Years of Savings. 24/7 Service pic.twitter.com/sVs5P7moeD
— Saheli ☆ (@kinkymff) September 8, 2020
Pay per mile insurance may be able to save you money on your car insurance. If you’re driving less and looking for cheaper car insurance, consider learning about Pay per mile car insurance options and seeing if any are available in your area. Drivers generally see a decrease in car insurance rates once they turn 19, and a more substantial drop when they turn 25. After that, insurance rates keep going down with age until you turn 60 or 65. And that’s if you had a clean driving record to start with.
Any change made to your insurance policy during the period that the policy is in force. A statement that is a signed form telling the insurance company there have not been any losses since a certain date. The document usually includes a cancellation date, expiration date, and reinstatement date. May pay for your medical treatment, lost wages, or other accident-related expenses regardless of who caused the accident. This coverage is subject to the terms, limits and conditions of your policy contract and is not available in all states. An international non-profit organization dedicated to motorcycle safety training, research and awareness.
— DavisNguyen7979 (@nguyen7979) March 19, 2017
The media frequently investigates this company for their continual claim abuse, earning them the number two spot. All of this has earned Allstate the title of the worst insurance company. If your teen driving record includes multiple violations and/or at-fault accidents, your rates will not go down when you turn 25. If you have a particularly poor driving record, your rates may even increase in your mid-twenties. By following these simple rules, your record will prove you are a responsible driver and your insurer should reward you with a more reasonable premium. If you have an accident on your record, you can still find affordable rates with Geico, one of the nation’s largest insurers.
ok bud have a nice day being a toxic friend 💕 anyways
In Just 15 Minutes, You Could Save $500 or More On Auto Insurance. Get a Free Car Insurance Quote with GEICO Auto Insurance Today! 75+ Years of Savings. 24/7 Service pic.twitter.com/sVs5P7moeD
— Saheli ☆ (@kinkymff) September 8, 2020
You are probably wondering, do I have to add my teenager to my auto insurance? Even though adding a teenager to your auto insurance policy will raise your rates, there are several benefits to adding your teenager to your policy instead of making them purchase their own. If you have your home and car insurance policies with different companies, start by comparing your current coverages with those offered by the company you want to bundle insurance policies with. If both your vehicle and your home are brand new, Nationwide offers a bevy of discounts and coverage options that protect both investments while saving money on insurance costs. USAA is Reviews.com’s best home and auto insurance bundle of 2021 earning a 4.8 out of 5 based on customer satisfaction, coverage, and more. Car insurance rates can vary a lot based on your address in the US.
They also don’t offer green vehicle discounts, so if you’re looking for a GEICO hybrid discount, you’re out of luck. We strive to help you make confident car insurance decisions. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
The A.M. Best Rating Services gave GEICO an A++ for financial strength. This is the best rating possible, and it indicates GEICO will likely have the funds to pay out for insurance claims. If you live in a condo, you should consider getting condo insurance to protect your personal property and your home’s interior structure.
The whole point of insurance is to protect yourself financially if something goes wrong. When an incident occurs—you wreck your car, a thief snags your laptop, a friend slips on your throw rug and breaks an ankle—you submit a claim. With this request for compensation, you’re essentially asking your insurance provider to make good on your coverage and pay to fix your ride, replace your gear, or pay your friend’s medical bill. Accidents happen, but there are things you can do to be prepared and to respond such that you keep your rates from rocketing sky-high.
This makes comparison shopping a crucial part of buying an auto insurance policy. Wise shoppers will compare at least four or five different insurance providers to make sure they are getting a good deal. Our Progressive auto insurance review named the company the best choice for high-risk drivers, including drivers in their 20s and those with a DUI on their driving record. Progressive offers many interesting discounts like the usage-based Snapshot® program that can save you money if you show safe driving habits.
Drivers in their 40s tend to have better insurance rates than their younger counterparts but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive. Drivers in their 30s can get lower rates by shopping around and taking advantage of car insurance discounts.
Available services include roadside assistance, replacement coverage for total loss and identity theft protection. You can get quotes, understand coverage options and quickly find relevant information on GEICO’s website and mobile app. Its car insurance app also makes paying your bill or filing a claim more convenient. To select our picks for the top car insurance companies, we first looked at customer reviews and ratings. We narrowed the 50 companies on this guide down to the 43 with at least 20 verified reviews on our site over the last year.
The program, InsureMyTesla, is available to both new and existing Tesla owners. Insurance is currently available exclusively to Tesla owners in California, and is expected to launch soon in Texas. By offering coverage Tesla hopes to address the higher costs Tesla owners often pay for car insurance, as well as offer some additional benefits not available from big-name insurers. One of the reasons that they have the pricing they do on auto is that’s all they do. If you buy a renters insurance policy from them, you’re buying someone else’s renters insurance, rebranded. And with multi-policy and other discounts, such as the SmartRide® and SmartMiles® usage based programs, you get peace of mind and value.
If you pay your full premium in advance, many insurance companies will offer a discount of 15% to 20% off your premium. But the same is true if you pay your six-month policy in advance. A 12-month car insurance policy allows you to lock in your premium for a year instead of six months, which means you could save yourself an increased premium for the last six months of your policy. You can start by contacting your current car insurance company to see if you qualify for 12-month car insurance. Or, if you’d prefer to get a new insurer, contact those we’ve mentioned like Liberty Mutual, Infinity, The General and The Hartford that offer 12-month car insurance. Getting multiple 12-month auto insurance quotes will help to ensure you’ll get the best deal available.
The exceptions to this are the GEICO Mobile app and the Prime Time Contract, which is an interesting program for drivers over the age of 50. Geico offers a wide array of auto insurance discounts for its customers. Geico offers accident free discounts, good student discounts and new vehicle discounts and more. You’ll receive a score based on your driving habits, including distraction-free driving and braking.
As always, we recommend comparing quotes from several insurers to find the best value and coverage for your situation and location. Progressive has below-average overall claims satisfaction rankings compared to other national insurers, although its overall customer satisfaction scores are mostly average. Allstate offers service online, by phone, and through local agents. However, buying your policy through a local agent will likely cost you more than buying the same policy online, so consider whether the in-person service is worth paying a little extra. And if you’re planning a road trip south of the border, Allstate’s Mexican car insurance includes roadside assistance, GAP coverage, and medical evacuation coverage.
The vast majority of high-risk drivers do not have to resort to assigned-risk plans, the last-resort insurance for drivers unable to find coverage on the open market. But because every state requires some kind of liability coverage for all drivers, insurers in those states agree to share the burden of these highest-risk clients. But they cannot deny you a policy later on because you were previously insured by an assigned high-risk plan. 1New policyholders obtaining auto insurance through AAA in MI saved an average of $817. Discounts and savings opportunities are subject to eligibility requirements, terms and conditions. Potential savings may vary depending on PIP selection and bundling.
These range from the way you make your payment to the amount you pay and when. You can determine the best car insurance payment option for you and we’ll provide the details. With just a few clicks you can access the GEICO Insurance Agency partner your boat insurance policy is with to find your policy service options and contact information. The content on this site is offered only as a public service to the web community and does not constitute solicitation or provision of legal advice.
This includes any military member who is deployed, including an extra discount for policyholders who are in a designated danger area. Learning how to lower your car insurance seems like a lot of work — and it is. ”Many times, you don’t need certain benefits such as roadside assistance (if you’re in AAA, you already have it).
Although it may seem tempting simply to choose the cheapest option, look at how many consumer complaints each insurer has before choosing a policy. Poor customer service could have a significant impact on your experience if you ever need to file a claim. A higher deductible amount will lower your insurance premiums but increase your costs if there’s an accident.
After a car accident, a member’s eyes are opened to the benefits of insurance through AAA. Get a comprehensive household coverage review so you can create the right plan for you. Car Rental Coverage – We’ll pay for reimbursement for a car rental due to an accident.
As a service to members, we will attempt to assist members who have limited English proficiency where possible. Military images used for representational purposes only; do not imply government endorsement. Optimize Your Security Learn what we’re doing—and what you can do—to ensure your accounts are safe and secure. Send Money Easily with Zelle® It’s easy, fast and secure to send and receive money with your friends and family using Zelle. Roadside AssistanceThe Geico Mobile App lets you put in a request for roadside assistance right from the app and will estimate when help will arrive. With geico offering so many outreach average geico male vs.
Savings and discount amounts may vary based on the PIP AE limit selected, the purchase of property insurance, eligibility requirements and other rating factors. While you’re at it, request quotes from a few other companies on our list of the best car insurance for older adults. Switching to a new insurer could help you save even more money in the long run.
If you are ready to add your child to your auto insurance policy, start your search for the best auto insurance rates for your children and enter your ZIP code above. State Farm claims that by bundling insurance policies with it, customers can save up to $854 a year. Additionally, Nationwide and Allstate offer a multi-policy discount of up to 20% and 25%, respectively, to customers who bundle their home and auto insurance policies with them.
To find out how turning 25 will affect your premium, contact your insurance agent. Some carriers offer better rates for teens and young adults than others. Get quotes from several insurance companies and compare coverages, deductibles and rates. Liability auto insurance is 42.7% cheaper than comprehensive collision coverage, but it can be risky to choose the cheapest amount of coverage. Cheap liability insurance does not take into account that liability claims for accidents could run into the hundreds of thousands of dollars. Knowing the limits and risks of liability insurance can help you make an informed decision when selecting auto insurance coverage.
In this review, we will help you to find the best home and car insurance bundle, which can save you a ton on your policy. Of course, the car’s value drops with each passing year, and so do the insurance premiums. Read 4,323 Reviews See car insurance within your budget with the Name Your Price tool. Get a personalized rate based on your driving with Snapshot. Read 128 Reviews Offers car insurance through independent agents in 26 states.
I understand that I do not have to agree to receive these types of calls or text messages as a condition of purchasing any goods or services. Hippo is changing the face of homeowners insurance and also changing the buying process. If you have been holding off on buying homeowners insurance for any reason, I say give Hippo a shot, we even created a list showing all things homeowners insurance covers. They can’t state auto insurance company offer you much in the way of discounts since they don’t actually underwrite the policies. But, the truth is, I have saved you from a time consuming quote process that GEICO has, and guess what, after completing that process they don’t actually give you quotes. As I stated above, GEICO doesn’t actually underwrite or manage any of their policies and they take the roll of an agent when it comes to home insurance.
In our analysis of rates from 10 large insurers, poor credit was the largest hurdle to cheap car insurance rates. A DUI conviction and causing an accident that injured someone else also lead to higher rates. Please remember that the preceding descriptions contain only a general description of available coverages and are not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements. To learn more about auto insurance coverage in your state, find a State Farm agent. Please note that, of all the commercial insurance policies it offers, GEICO only underwrites the commercial auto ones.
If you feel the decision is based on incorrect information, you have the right to review your application and to make corrections and appeal the decision. Coverage applies to certain covered total losses for certain covered autos subject to titling, purchase, loss occurrence time period and mileage requirements. Coverage is subject to all policy terms, conditions, exclusions and limitations.
Read our guide to the best cheap car insurance companies for more ways to save on auto policies. You can get rate quotes directly from insurance companies either online or over the phone. Some state insurance commissioners also provide information on average car insurance prices in your state.
All insurance products are governed by the terms, conditions, limitations and exclusions set forth in the applicable insurance policy. Please see a copy of your policy for the full terms, conditions and exclusions. Policy obligations are the sole responsibility of the issuing insurance carrier. Michigan is the most expensive state in the U.S. to purchase car insurance — that includes California, Pennsylvania, Florida or any other more populated state. Michigan is also the only state to provide unlimited medical care for life for injuries sustained in an accident. This medical care coverage is the reason why Michigan insurance is so expensive and also why it’s important to carefully consider which car insurance company is best for you.
The result is a pizza delivery insurance package uniquely designed to suit the needs of your business. Let’s take a look at some examples of these coverage options below. As noted earlier, pizza delivery is among the most dangerous commercial endeavors. Most insurers won’t bear the risk of you doing this job while on a personal vehicle policy. You won’t be able to purchase something like a State Farm pizza delivery policy, for example, but we can guarantee that insurance companies will have specific plans that meet your needs. Driving for a company that has complete coverage for all of their drivers and business vehicles is your safest and cheapest bet.
Take a look at the following table that shows how much your auto insurance will increase on average by adding a teenager to your policy. Compare home and auto insurance bundle quotes from three or more providers to find out how much you are likely to save. Access an intuitive app, wide coverage and few exclusions when Waffle’s car insurance drops in late July.
New policyholders automatically get small accident forgiveness, which keeps their rates the same if a claim doesn’t exceed $500. MarketWatch has highlighted these products and services because we think readers will find them useful. This content is independent of the MarketWatch newsroom and we may receive a commission if you buy products through links in this article. All insurance companies charge more for drivers under 25 because they are considered high-risk drivers. Yes, you will need to add your teenager to your auto insurance once they have a learner’s permit to drive. Driving without insurance is illegal, which is why it’s important to check your local laws.
You can compare car insurance quotes and shop for insurance at any time and are entitled to a refund of any unused premium. However, insurers do have the right to charge a penalty if you cancel before the expiration date. Nonetheless, it’s quite an easy process if you want to switch car insurance companies.
Power, although the company is not eligible for official ranking due to its eligibility restrictions. Progressive offers both standard and nonstandard car insurance. If you have accidents, tickets or DUI convictions and find it difficult to find car insurance, Progressive may be able to help. As a result, he has an excellent knowledge of almost areas of personal finance and, in particular, the retirement, investment, protection, mortgage and savings sectors.
Read 364 Reviews Offers auto insurance with local agent support. Use MyAmFam app to set up payments, view proof of insurance, get roadside assistance and track claims. This insurance company offers car insurance policies in the Midwestern and southern United States. Policies are available in Arkansas, Colorado, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Nebraska, Nevada, Oklahoma, and Tennessee. The company has an A++ rating for financial strength from AM Best. The company writes insurance policies in New Jersey and Pennsylvania.