Aspire General Insurance, a California-based auto insurance company with over 100 years industry experience, is located in California. Aspire General is a California-based car insurance company. It offers a variety of unique services, such as bilingual customer service representatives and claims representatives and flexible payment plans. Although the company insures its policies, coverage is sold by an independent network of insurance agents.
Aspire car insurance
Aspire Insurance is a specialist in non-standard insurance. This is an option for drivers who are unable to get approved for preferred coverage due to their driving record, claims history, or credit score. Although coverage from Aspire General can be limited, drivers have access to many perks, such as mobile services, 24/7 claims processing, advanced cancellation notifications, and other perks.
Types of coverage
Aspire General offers two coverage levels: Save and Benefit. The Advantage package provides more coverage than the Savings package, while the Advantage package has greater coverage and offers more endorsement options. Here’s a look at Aspire General’s coverage:
- Minimum coverage: Aspire Insurance provides minimum coverage insurance that meets state requirements.
- Full coverage: Full coverage insurance includes collision, comprehensive, liability, medical payments and uninsured/underinsured motorist coverage. The Advantage package includes a waiver of the collision deductible.
- Insurance that is not owned: Insurance policies that are not owned by drivers who borrow cars or do without their vehicle. Non-owned insurance does not include liability coverage for drivers.
- SR-22 – California drivers can buy an SR-22 at Aspire General Insurance.
- Savings package. Drivers who buy the Savings Package can get $500 stereo/sound system coverage if they have full coverage. When the trailer is attached and insured, this package includes liability insurance for utility trucks up to 1,500 lbs.
- Advantage package: Drivers who buy the Advantage package get roadside assistance, towing and labor coverage, and rental car reimbursement.
Get Discounts
Drivers can save money with Aspire Insurance by taking advantage of discount offers, such as:
- The good driver discount: Drivers who are continuously licensed for at least three years and have not been cited for traffic violations may be eligible for the good driver discount.
- Multi-vehicle Discount: Drivers with more than one vehicle on their policy can receive a lower rate through the multi-vehicle discounts.
- Senior driver discount: Drivers 55 and older who have successfully completed a driver safety course may be eligible for a lower rate from Aspire General.
- Discount on alcohol education awareness: Drivers who successfully complete an approved state-approved program to educate about alcohol will be able to save money on their premium. Drivers who do not have more than one drug- or alcohol-related conviction on their records are eligible for this discount.
Why Aspire is a good choice
Aspire General Insurance is an excellent option for high-risk drivers that are unable to qualify for standard insurance coverage. Aspire General Insurance is also a great choice for drivers who require SR-22 insurance or other non-owned insurance. Aspire offers unique services, such as bilingual customer service, flexible payment plans, and cancellation notifications to avoid coverage lapses.
Aspire General isn’t a great choice for average drivers who are able to purchase regular car insurance policies. Aspire General doesn’t offer any endorsements or discounts. Non-standard policies are also significantly more expensive than standard ones. You should look for affordable car insurance.
Aspire General’s downside is that it only covers California drivers. Aspire General does not cover drivers who reside in any of the 49 other states. Aspire will not approve policies for cars with a new cost exceeding $50,000, that are not kept in a garage or that do not have an anti-theft device or VIN number.
Ratings, reviews, customer satisfaction, and complaints about Aspire
Aspire’s auto insurance reviews are generally not very positive. According to AM Best the company’s financial strength rating is B+. This means that it only has “good” financial stability. Comparatively, the financial strength scores for most preferred insurance providers such as Allstate and Geico are much higher at A+ or better.
According to the National Association of Insurance Commissioners (NAIC), Company Complaint Index, Aspire Insurance has more than average customer complaints. Based on eight customer reviews, the company has a Better Business Bureau (BBB) customer rating of 1 out of 5.
Questions frequently asked
What are the steps to obtain a quote from Aspire
Aspire Insurance will provide a quote. To find an independent broker that sells Aspire policies in your area, click here. You will be asked to give your name, address, and birthday. Your social security number may also be requested. Next, you’ll be asked for information about your vehicle. This includes the make, year, VIN number, and mileage. Finally, you might be asked about your claims history in the past several years and what type of coverage you desire.
How can I file a claim for Aspire?
It’s easy to make a claim with Aspire, 24 hours a day. You can make a claim online , or call the customer support number. Your policy number, contact information and information about the vehicle of other people involved in an accident will be required. You can also submit the number of the police report and the name of the department from which it was issued if you call the police. You will need to include as much detail as you can about the incident, including its date, time, and location. You should also include any photos or videos of the damage in your claim.
