When it comes to choosing the right auto insurance, it’s essential to find a company that meets your needs, offers good coverage options, and provides reliable customer service. Infinity Auto Insurance has been in the industry for a long time, serving drivers across various states.
But how does it stack up against its competitors? In this review, we’ll delve into the company’s offerings, pricing structure, customer service, and much more to help you decide if Infinity Auto Insurance is the right fit for you.
Overview of Infinity Auto Insurance
Infinity Auto Insurance has been operating since 1955. It is a low-priced car insurance provider for drivers within the United States, especially in urban locations. The company offers flexibility in coverage options and adds other services such as roadside assistance and rental car reimbursement. Infinity Auto Insurance is often commended on its accessibility, especially for high-risk drivers who could not find coverage elsewhere. Whether you are looking for basic liability coverage or something more comprehensive, Infinity has options to suit various needs.
Infinity Auto Insurance belongs to the Kemper Corporation. This company has a good long history of operating as a name in the insurance market. Being affiliated with the name gives a strong image, and thus it helps a great deal to have customer trust. The company insures coverage in over 40 states. While this might not be in all, the company still manages a sizeable chunk of the US.
Coverage Options and Policies
One of the best features of Infinity Auto Insurance is its choice of coverage. They cater for both basic and more extensive needs, so it is a versatile choice for drivers with different requirements.
The common forms of insurance coverage provided by Infinity standard auto insurance are:
Liability Coverage: This is the bare minimum requirement in most states and assists you in paying for damage done to other vehicles or property as a result of an accident caused by you.
Collision Coverage: This helps cover the cost of repairing or replacing your own vehicle if it’s damaged in a collision.
Comprehensive Coverage: This covers damage to your vehicle not caused by a collision, such as theft, vandalism, or natural disasters.
Uninsured/Underinsured Motorist Coverage: If you're in an accident with a driver who doesn’t have insurance or has insufficient coverage, this option can help cover your costs.
Personal Injury Protection (PIP): This helps cover medical expenses for you and your passengers after an accident, regardless of who is at fault.
Infinity Auto Insurance also provides a variety of additional coverage options to customize your policy, such as roadside assistance, rental car reimbursement, and gap insurance. These options can give drivers peace of mind, knowing they are covered in various scenarios. Infinity’s flexibility in customizing coverage is one of the reasons it’s favored by many customers who need tailored insurance plans.
Pricing and Discounts
Pricing is a key factor when choosing an auto insurance provider, and Infinity Auto Insurance is known for offering affordable premiums, especially for high-risk drivers. The company uses a number of factors to determine pricing, including your driving history, the type of car you drive, your location, and your age.
Infinity offers several discounts to help lower your premium, such as:
Safe Driver Discount: Drivers with a clean driving record can receive a discount on their premiums.
Multi-Car Discount: Insuring multiple vehicles with Infinity can result in a lower rate.
Homeowners Discount: If you own a home, you may qualify for a discount on your auto insurance.
Pay-in-Full Discount: Paying your policy in full rather than monthly can result in savings.
While Infinity’s premiums are often competitive, they may not always be the cheapest option, especially for low-risk drivers. However, the company’s focus on providing affordable insurance for those with higher-risk profiles makes it a strong contender for those who might struggle with other insurers.
Infinity’s pricing structure can be a bit complicated depending on the state you live in, and it’s a good idea to get a personalized quote before making a decision. The company’s online tools allow for easy quote comparisons, which can help you get an idea of how much you’ll pay based on your personal situation.
Customer Service and Claims Process
When it comes to auto insurance, the quality of customer service and the claims process are critical. Infinity Auto Insurance has generally positive reviews regarding both aspects, although there are some mixed opinions. The company has a dedicated customer service team available by phone or online chat, and it provides support during the claims process.
The claims process with Infinity is straightforward and can be done online, through their mobile app, or by speaking with a representative. After filing a claim, customers report that it typically takes between 7 to 10 business days for the claim to be processed, although some claims can take longer depending on the complexity of the case.
Infinity also has a network of approved auto repair shops, which can help speed up the process if you need repairs done after an accident. The company’s app makes it easy to track claims and request services like roadside assistance, which is an added convenience for policyholders.
While many customers report positive experiences with Infinity’s customer service, others note that wait times can be long, particularly during busy periods. This is not uncommon in the insurance industry, but it’s worth considering if you value quick and responsive customer support.
Conclusion
Infinity Auto Insurance offers a strong value proposition for those looking for affordable coverage, particularly for drivers considered high-risk by other insurers. With a wide range of coverage options, solid discounts, and the ability to customize policies, it can be an excellent choice for many drivers. However, its pricing may not always be the lowest, and the customer service experience can vary, so it’s important to weigh these factors when making your decision.
