You may not be able to find affordable coverage from mainstream insurers if you have poor credit ratings or a history of reckless driving. Acceptance Insurance offers high-risk auto policies to high-risk drivers in 17 states. You can also compare insurance products by partnering with the company’s 12 agents.
Overall performance, Acceptance auto insurance received 3.5 stars from 5 Our editorial team determines NerdWallet’s ratings. The scoring formula considers factors such as account pricing and discounts and website transparency. It also considers financial strength, ease of filing claims, financial strength, and complaint data from National Association of Insurance Commissioners.
Acceptance doesn’t provide many bells and whistles when it comes to auto insurance, with standard offerings such as comprehensive, collision, uninsured motorist, rental car and roadside assistance coverage. You can raise your liability limits to exceed the state-mandated minimums in most cases.
The “TicketProof” program of the company reimburses drivers for traffic citations such as speeding tickets. It includes $200 towards legal fees, $100 per paid citation (upto two per year), and $250 toward court-ordered defensive driver school.
SR-22 form: Acceptance will file an SR-22 form if you need one to prove that you have sufficient auto insurance. This form, or an FR-44 for Virginia and Florida, may be required by certain states. It is for those who have been convicted of DUI, were caught driving without insurance, or are convicted of other serious traffic offences.
Customer satisfaction and acceptance of insurance complaints
According to data from the National Association of Insurance Commissioners, acceptance was much higher than the expected number of complaints about auto insurance to state regulators. This is based on three years of data.
Learn more about Acceptance Insurance
Website: The Acceptance website allows you to quickly get a quote, pay your bill, and provides general information about the most common types of insurance coverage (liability/complementary, collision, and so on). There are no details about the Acceptance Offers’ discounts or optional coverage options.
Although Acceptance does not have a mobile application, its website can be used on smartphones and other devices.
Acceptance works with a partner in order to sell a limited form of travel insurance that covers you if your vehicle is driven into Mexico. It also includes a subscription to TeleMed to access virtual doctor’s appointments and a discount card for use at pharmacies.