Acceptance Auto Insurance Review

Acceptance Auto Insurance is also known as First Acceptance Auto Insurance and was founded in 1969. See if you can save on Acceptance Auto Insurance with our free quote comparison search from a number of car insurance companies. The company conducts business as a branch of First Acceptance Corporation.

Acceptance Auto Insurance Locations

The company’s headquarters are located in Nashville, Tennessee. It has almost 400 offices in twelve states that include Tennessee, Mississippi, South Carolina, Alabama, Florida, Georgia, Missouri, Texas, Indiana, Ohio, Illinois, and Pennsylvania.

In addition to these states, Acceptance is licensed to provide insurance for drivers in at least thirteen others.

Acceptance Auto Insurance Coverage

Acceptance Auto Insurance provides a number of types of auto insurance such as:

• Liability for bodily injury
• Liability for property damage
• Comprehensive coverage
• Collision coverage

Its focus is providing non-standard or high risk auto insurance. High risk drivers might be labeled as such for a variety of reasons. If they have had their driver’s license revoked or suspended, they will likely be classified in the high risk category. High risk drivers should compare free auto insurance quotes with our zip code search, to see if they qualify for lower rates.

A driver’s age, whether they are over 70 or under 20, can also be a factor, as well as the type of vehicle they drive and the places and conditions where they drive.

The biggest factor in determining whether they are considered as high risk is their driving record. If they have had accidents or been issued tickets for traffic violations, they can be fairly certain of attaining the high risk status.

A payment history of being late or not paying their insurance premiums will also serve to increase their likelihood of being classified as high risk.

Drivers who are put in this risk bracket will most assuredly have to pay higher insurance premiums than other drivers, so it is imperative that they go online and compare prices and options of different insurance providers to find cheap auto insurance.

One thing these drivers can be assured of is that Acceptance Auto Insurance almost always accepts drivers for coverage even when other companies refuse it.Acceptance Auto Insurance Rates

A driver who is having trouble securing auto insurance coverage might find it beneficial to get a quote from Acceptance as well as other companies.

Some who might wish to obtain quotes for comparison are listed as follows:

• Young unmarried males from 16 to 24 years of age
• People who have a less than perfect payment history
• Drivers who have been cited for more than two violations
• Drivers 70 years of age or older
• Those who have been charged with DUI/OWI
• Drivers who have had their driver’s licenses revoked or suspended
• People with bad credit
• Drivers with a number of past insurance claims
• Those who have not had insurance coverage for some time

Anyone who could be included in one or more of these categories, or who has been classified as a high risk for some other reason, can go online and check into acquiring coverage from Acceptance Auto Insurance and other companies.

Online quotes are easy to obtain from our free zip code search, which simply requires the person to enter some information for a personalized quote.

You will also need to provide information concerning the vehicle to be insured:

• Year, make, and model
• Ownership status
• Primary use of vehicle
• Estimated annual mileage
• Night parking status

After receiving quotes, it is advisable for them to contact a company representative or agent to go over things in person and make sure all questions they might have are answered.

Accepted Auto Insurance Claims

Currently the option of filing a claim online is not available to Acceptance customers.

This option is now in the process of being set up and will be available in the future. Until then, customers will need to contact an office to file a claim.

Acceptance Auto Insurance Reviews

Acceptance has a company rating of B or fair.

Checking out customer comments about this company online indicates that several of its customers have not been completely satisfied in their dealings with Acceptance Auto Insurance.

Some of the complaints came from persons who had been in accidents with drivers who were insured by Acceptance.

They claimed that many times Acceptance did not keep its word about when it would pay, and the company did not pay nearly as much as the repair estimates called for.

Another frequent complaint was that their service people were often rude and not at all professional in the way they handled things.

Many Acceptance patrons were not happy about several other things.

Among them were the process of making a claim, premium rates going up without advance notification or explanation as to why, hidden costs, many claims not being covered by the company, or receiving only a small part of what the repairs actually cost.

It is always a good idea to do your research before signing up with any car insurance company, whether with auto insurance reviews or other tools. You can compare quotes from a number of companies with our free comparison tool, and find which option fits you best.