Auto insurance is an essential component of owning and operating a vehicle. It provides financial protection in case of an accident and also ensures compliance with state laws. However, finding the right insurance provider can be a daunting task, especially for those with a limited budget or poor driving records. This is where Acceptance Insurance Auto comes in. In this article, we will discuss everything you need to know about Acceptance Insurance Auto, including its coverage options, pricing, and customer service.
What is Acceptance Insurance Auto?
Acceptance Insurance is a non-standard auto insurance provider that specializes in providing coverage to drivers who have difficulty obtaining insurance from traditional providers. The company was founded in 1969 and is headquartered in Nashville, Tennessee. Acceptance Insurance Auto is available in 17 states, including Alabama, Florida, Georgia, Illinois, Indiana, Missouri, Mississippi, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, and Virginia.
The History of Acceptance Insurance Auto
Acceptance Insurance was founded in 1969 by Marc Dubin in Nashville, TN. The company started as a small insurance agency offering personal auto insurance policies to customers in the Nashville area. Over the years, the company expanded its operations and began offering insurance in other states, such as Illinois and Texas. Today, the company has over 350 retail locations across the United States and employs over 1,300 people.
The Mission of Acceptance Insurance Auto
Acceptance Insurance Auto’s mission is to provide affordable and reliable auto insurance coverage to drivers who have difficulty obtaining insurance from traditional providers. The company aims to make the insurance process as simple as possible and to provide excellent customer service to its policyholders.
What Coverage Options Does Acceptance Insurance Auto Offer?
Acceptance Insurance Auto offers a variety of coverage options to meet the needs of different drivers. These include:
Coverage Type |
Description |
|---|---|
Bodily Injury Liability |
Covers medical expenses and lost wages for others involved in an accident caused by the insured driver. |
Property Damage Liability |
Covers damage to other people’s property caused by the insured driver. |
Collision |
Covers damage to the insured vehicle caused by a collision with another vehicle or object. |
Comprehensive |
Covers damage to the insured vehicle caused by non-collision events, such as theft, vandalism, or natural disasters. |
Uninsured/Underinsured Motorist |
Covers medical expenses and damages for the insured driver and passengers in the event of an accident with an uninsured or underinsured driver. |
Optional Coverage Options
Acceptance Insurance Auto also offers optional coverage options to provide additional protection for drivers, such as:
- Roadside Assistance
- Rental Reimbursement
- Personal Injury Protection (PIP)
- Gap Insurance
How Much Does Acceptance Insurance Auto Cost?
The cost of Acceptance Insurance Auto varies depending on several factors, such as the driver’s age, driving record, location, and the type of vehicle. However, Acceptance Insurance Auto is known for offering affordable rates, especially for drivers who have difficulty obtaining insurance from traditional providers.
Factors That Affect the Cost of Acceptance Insurance Auto
The following factors can affect the cost of Acceptance Insurance Auto:
- Age: Younger drivers typically pay higher rates than older drivers because they are considered high-risk.
- Driving Record: Drivers with a history of accidents or traffic violations will pay higher rates than those with a clean driving record.
- Location: Rates can vary depending on where the driver lives, as some areas are considered higher risk than others.
- Type of Vehicle: The make and model of the vehicle can affect rates, as some vehicles are more expensive to repair or more prone to accidents.
Discounts Available from Acceptance Insurance Auto
Acceptance Insurance Auto offers several discounts to help drivers save money on their insurance premiums. These include:
- Multi-Car Discount
- Safe Driver Discount
- Good Student Discount
- Homeowner Discount
- Paid-in-Full Discount
What is Acceptance Insurance Auto’s Customer Service Like?
Customer service is essential when it comes to insurance, as policyholders need to be able to get help when they need it. Acceptance Insurance Auto is known for providing excellent customer service to its policyholders, both online and in-person.
Online Customer Service
Acceptance Insurance Auto’s website provides customers with a variety of online tools and resources to manage their policy and get help with their insurance questions. Customers can access their policy information, make payments, and file claims online. The website also has a knowledge base and frequently asked questions section to help customers get answers to common questions.
In-Person Customer Service
Acceptance Insurance Auto has over 350 retail locations across the United States, where customers can speak with insurance agents in-person. These locations provide customers with personalized service and help with their insurance needs, such as finding the right coverage, making changes to their policy, or filing a claim.
FAQs
What is non-standard auto insurance?
Non-standard auto insurance is designed for high-risk drivers who have difficulty obtaining insurance from traditional providers. This type of insurance is typically more expensive than standard insurance and may have more limited coverage options. Non-standard insurance providers like Acceptance Insurance Auto specialize in providing coverage to these types of drivers.
What is liability insurance?
Liability insurance is a type of auto insurance that covers damages or injuries caused by the insured driver to other people or their property. Liability insurance is required by law in most states and is typically split into two types: bodily injury liability and property damage liability.
What is collision insurance?
Collision insurance is a type of auto insurance that covers damage to the insured vehicle caused by a collision with another vehicle or object. Collision insurance is not required by law, but it can be a valuable coverage option for drivers who want to protect their vehicle from damage.
What is comprehensive insurance?
Comprehensive insurance is a type of auto insurance that covers damage to the insured vehicle caused by non-collision events, such as theft, vandalism, or natural disasters. Comprehensive insurance is not required by law, but it can provide valuable protection for drivers who want to protect their vehicle from a wide range of risks.
What is uninsured/underinsured motorist insurance?
Uninsured/underinsured motorist insurance is a type of auto insurance that covers medical expenses and damages for the insured driver and passengers in the event of an accident with an uninsured or underinsured driver. This coverage is not required by law, but it can provide valuable protection for drivers who want to ensure they are covered in case of an accident with an uninsured or underinsured motorist.
What discounts does Acceptance Insurance Auto offer?
Acceptance Insurance Auto offers several discounts to help drivers save money on their insurance premiums, such as a multi-car discount, safe driver discount, good student discount, homeowner discount, and paid-in-full discount.
What states is Acceptance Insurance Auto available in?
Acceptance Insurance Auto is available in 17 states, including Alabama, Florida, Georgia, Illinois, Indiana, Missouri, Mississippi, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, and Virginia.
In conclusion, Acceptance Insurance Auto is an excellent option for drivers who have difficulty obtaining insurance from traditional providers. The company offers a variety of coverage options, affordable rates, and excellent customer service to its policyholders. If you are in the market for non-standard auto insurance, consider Acceptance Insurance Auto for your coverage needs.