ABBA Auto Insurance Review

When comparing different auto insurance companies, residents in Texas, Kansas and Missouri might think of ABBA Auto Insurance. Compare free quotes with our zip code search, and see if you can save on ABBA Auto Insurance.

This small, private company is only available in three states, so it is not an option for residents of other states.

ABBA Auto Insurance History

The history of ABBA Auto Insurance starts in 1992, when the company was founded and incorporated in Carrollton, Texas.

As a local insurance company, the primary focus was to provide cheap auto insurance rates to Texas residents that followed Texas state auto insurance laws.

Though the company started in Texas, it has also expanded into Missouri and Kansas since its original founding to offer services to more customers.

Over the years, the company has shown gradual growth, and recent estimates suggest that ABBA Auto Insurance is making between one and 2.5 million dollars each year.

The gradual, but steady growth of the company provides consumers with an idea of the company’s customer satisfaction. In general, customers have few complaints about ABBA Auto Insurance.

ABBA Auto Insurance Options

ABBA Auto Insurance primarily offers different types of auto insurance based on the state auto insurance laws.

Most consumers will only need the basic car insurance offered by the company to suit their needs.

The minimum liability insurance for the state differs depending on whether it is in Missouri, Kansas or Texas and the amount complies with each state law.

Other insurance options include a direct line car insurance, military car insurance, world-wide insurance coverage and financial insurance. The primary focus of the company is auto insurance rather than any other type of insurance.

Better Business Bureau Reviews

ABBA Auto Insurance is known at the BBB as an A+ rated company due to the low number of complaints and the way the company handles problems customers might have with their auto insurance.

The BBB states that the company is both a commercial and consumer insurance company, so this particular insurance is appropriate for corporate or business vehicles as well as personal vehicles.

ABBA Auto Insurance Claims

Just like any other auto insurance company, ABBA requires that all customers go through the claims department of the insurance if a wreck occurs, regardless of whether it is your fault or the fault of the other driver.

The procedure will differ for each individual based on the coverage, but will always comply with the state laws. The state laws differ depending on whether it is Kansas, Missouri or Texas.

In Kansas, the laws differ from Missouri or Texas because the state has a no-fault law.

In this law, if a car crash occurs the company will pay the first party for injuries up to the limit on the insurance policy.

If the amount for injuries or damages is above the state stated threshold or above the amount provided in the insurance, residents of the state can sue for the remaining amount. Usually, a crash will not exceed the limit.

In Missouri, the state does not offer a no-fault law. As such, all motorists must carry appropriate auto insurance that provides $25,000 per person for bodily injury, $10,000 for property damage and $25,000 for uninsured motorist bodily injury.

The state regulates that all drivers must have this minimum insurance amount, though ABBA will provide further coverage if motorists prefer.

Like Missouri, Texas does not offer a no-fault law. In Texas, the amount for bodily injury required on the insurance is at least $30,000 and the property damage amount is at least $25,000, though drivers can opt for higher coverage.

Texas state law also requires that all drivers are provided personal bodily injury protection coverage unless the driver provides a written document stating that he or she does not want this type of coverage.

ABBAwill automatically provide the injury protection for drivers who do not send documentation to opt out of the coverage.

If an accident occurs, calling the customer service number and talking to a representative is the only option for drivers. The representative will walk customers through the claims process.

ABBA Auto Insurance Service

ABBA Auto Insurance provides excellent customer service, as noted by the fact that after more than 20 years of service, the company does not have any complaints lodged with the Better Business Bureau.

Customers can rest assured that they are working with professionals who will work to solve their problems.

When customers sign up for the insurance, the company will send a copy of the policy and coverage information as well as a proof of insurance card.

If customers have any questions about the policy upon reviewing the details, a customer service representative can answer the questions and provide clarification so that customers fully understand the policy.

As with any other insurance, before signing up with ABBA auto insurance it is important to check auto insurance reviews and compare quotes and prices with other insurance companies using our free zip code search.

Though the company does offer excellent customer service and will always ensure the minimum coverage to comply with state laws, it might not always offer the best rates in a specific area.

Using our search tools to compare coverage between a small private company like ABBA and other companies in the state will allow you to get the best deal for your personal auto insurance coverage needs. Try our quote comparison tool now for free!