Patriot General Auto Insurance Review

Patriot General Auto insurance is one of a group of fifteen auto insurance companies that offer private owners auto liability, auto physical damage, commercial car liability and many other policy options.

Try our FREE quote comparison tool to see if you can save on auto insurance!

With a long history of protecting business, families, and individuals, Patriot General is one of the largest insurance companies in the country. The company has been providing more than 1.1 million customers with coverage that suits their specific needs.

A.M. Best, a leader of financial ratings, has affirmed the strength rating of “A+” for Patriot General Insurance Company. This rating is based on the insurance company’s ability to pay claims and the types of financial instruments issued, like bonds, notes and securitization products.

Patriot General is one of numerous insurance providers capable of supplying highly competitive auto insurance costs online. Our online ZIP code search will give you FREE auto insurance quotes to make sure you get the best deal!

Car Insurance and Best Rates

Having car insurance is required by law in the U.S. The cost of insurance can vary significantly from company to company and that is why shopping around and comparing prices can save one a lot of money. Experts recommend that one should evaluate types of auto insurance options and also auto insurance reviews at least once a year, if not every six months.

Any time there is a major change in the car insurance needs like the purchase of a new car, new drivers added to a policy, or even if one is moving to a new location, the available insurance options should be checked. Insurance rates can change significantly, even from one zip code to another right next to it!

The internet has provided everyone with a convenient and easy way to compare rates offered by the different companies’ right from the convenience of their own homes.

One can now easily find the right auto insurance company and the policy that fits the individual requirements by comparison shopping online.

How Much Auto Insurance?

The amount of insurance one should get depends on a number of factors. Needless to say, everyone must at least carry the minimum amount of insurance required by the state auto insurance laws. However, there are other factors that should be taken into consideration before acquiring a policy.

• One needs to have sufficient coverage, so that their assets are protected. For example, if one is at fault in an accident and they only have $50,000 in bodily injury liability coverage but have assets of $100,000, the lawyers can go after them if the other party’s medical bills are above $50,000.
• The typical recommendation for liability is what is called the 50/100/25 coverage. This means $50,000 bodily injury liability for a single individual injured in an accident, $100,000 for all injured and $25,000 in property damage. However, it should be remembered that over half of the cars on the road are valued at more than $20,000. In this case, one has to decide based on what they can afford. If they don’t own assets of any significant value, then they don’t need the extra coverage.
• Keep past driving habits in mind when deciding on the amount of coverage. If one has a habit of piling up speeding tickets and have long commutes on winding roads, it is best to buy more comprehensive coverage.

Online Comparisons

When trying to determine customer’s insurance rates, the insurance company will look at things like the age of the potential customer, the driving record and the claims history.

In addition, they look at the type of car driven, place of residence, and if the car is stored in a garage or on the road.

Each insurance company has their own formula to determine how these factors will affect the final rates that will be quoted to the customer.

This is why rates vary from company to company.

Online comparisons are the fastest way to get quotes from a large number of companies.

Sometimes, companies prefer not to provide quotes immediately, but instead prefer to e-mail later to discuss the personal requirements. Try our FREE ZIP code search to compare personalized auto insurance quotes for your area.

In order to be fully prepared, take note of the following:

• Keeping the coverage limits the same is a good idea, so that one can compare “apples to apples” and find out the annual and monthly costs for the various types of coverage.
• Get a contact number in case there are other questions later.
• Take note of the insurance company’s payment policy; for example, what happens if one is late in making a payment?
• Know all relevant auto insurance discounts that are available.
• Look into the consumer complaint ratio.
• Find out the A.M. Best ratings of the insurance company.

It is important to keep in mind that the best policy is not necessarily the one that is the cheapest auto insurance, but the one that is cheap and still provides sufficient coverage and good service for the price.

It becomes especially important to start shopping for car insurance when one knows that they are paying premiums on the higher side due to a few tickets, a poor credit rating or an accident. In such situations, comparing one’s existing policy with others may pay off handsomely. See if you can find cheap auto insurance today with our FREE quote comparison tool!