Commonwealth Casualty Insurance review

The Commonwealth Casualty Company was founded in 2010 and is relatively new to the insurance industry. Commonwealth, based in Phoenix, Arizona, offers car, home, renters, and rideshare insurance through agents across the country. The most sought-after product offered by Commonwealth is its car insurance.

Commonwealth car insurance

For drivers who live in the Southwest, the Commonwealth Car Insurance is an excellent choice. It’s a better option than one of the largest national insurers. The coverage that you require is important. The minimum coverage offered by the Commonwealth Insurance Company for drivers with a limited budget is . It also offers other types of coverage.

Types of coverage

  • Liability – Property damage and bodily injury liability covers damages caused to others by you.
  • Medical payments This covers the medical bills for all passengers in your car, including you. It also pays your expenses if your pedestrian is hurt.
  • Uninsured/underinsured motorist: This covers the cost of your damages and injuries if the person that caused them doesn’t have enough insurance (or none at all).
  • Comprehensive Insurance: This type insurance adds coverage to your vehicle in case of vandalism or theft.
  • Collision: This covers repairs or replacements to your vehicle in the event it is damaged by an accident.
  • Ridershare insurance: Your personal insurance doesn’t cover you if you run a side business like a Lyft driver or Uber driver. Ridership coverage protects you as a driver.
  • Safety equipment: This covers glass replacement or repair, including taillights and headlights, without a deductible.
  • Rental reimbursement: You can get a rental car for $20-30 per day while your car is being repaired or serviced for insurance purposes.

Get Discounts

  • Your deductible will disappear Savings are possible when you avoid claims and accidents. Commonwealth Insurance will lower your deductible by $100 each year, without you having to file a claim. It can also reduce your deductible up to $500.
  • Multi-policy Discount: Bundle Commonwealth Insurance’s renters or home insurance with car insurance to get a discounted on both.

Commonwealth home insurance

Commonwealth Casualty’s homeowners and renters insurance provides the protection you need to protect your largest investment.

Types of coverage

  • Homeowners Protect your structure and contents from perils like hail, tornadoes and windstorms. If someone is injured in your home, homeowners insurance provides protection against legal proceedings.
  • Renters This covers you in case your belongings get damaged, lost, or stolen and also provides legal liability protection.
  • Golf carts: Optional insurance for any damage you may cause to a cart.
  • Water backup protection: Optional coverage increases your homeowners insurance in the event that your property or home is damaged by water backups from a drain, sewer, or overflow.
  • Service Line Coverage: Optional Insurance that covers repairs to underground, internet, and communication wiring or plumbing pipes.
  • Computer coverage Optional coverage to cover higher-value electronics like video games, laptops or desktop computers, and tablets.

Get Discounts

  • Multi-policy Get homeowners and car insurance together to get a discount.
  • A new home: Individuals who purchase a new building may be eligible to receive a lower premium.
  • Discount on a building or community: Homeowners who live behind a gate or in a monitored area could be eligible for lower home insurance.
  • Protective device Homes equipped with equipment that can help prevent major damage such as a fire alarm, home sprinkler, or burglar alarm, are eligible.
  • No Claims Discount: Every year that you aren’t claiming, Commonwealth Casualty will reduce your home insurance premiums.
  • Paid in-full: Prepay to get the entire year of coverage.
  • Water leak detection. Home systems and devices that alert you if there is a leak in your home can reduce the chance of water damage.

Ratings, customer satisfaction, complaints, and reviews for Commonwealth

The Commonwealth Casualty Company doesn’t rank high enough in larger studies like J.D. Power’s annual customer satisfaction survey. The National Association of Insurance Commissioners’ data shows that Commonwealth Insurance ranks below the average for customer complaints. The index rating of Commonwealth is 0.84% lower than the national average, which is 1%.

Why Commonwealth is a good choice

Customers who prefer to work one-on-one in their local insurance agency will find Commonwealth Casualty a great option. A large network of agents can offer Commonwealth insurance products. Although the carrier doesn’t offer as many discount options as some other carriers, good drivers who have a history of low claims should be satisfied with the coverage cost.

Commonwealth offers additional policies

  • Roadside insurance

Questions frequently asked

How can I get a quote from Commonwealth Casualty

Comparing quotes from different carriers is the best way for you to compare prices and features when shopping for home or car insurance. To get a quote for Commonwealth Insurance, you can use the online quote engine. For a personalized estimate of how much your annual premium will cost, you can visit a insurance agent.

What is the average time it takes to receive payment for a claim with Commonwealth Insurance?

Commonwealth strives to provide a quick turnaround for claims. You’re already inconvenienced enough without a vehicle. To make the process more efficient, Commonwealth collaborates with local claims adjusters. Vehicle estimates are usually provided within 24 hours according to Commonwealth. Commonwealth Casualty will get you back on the road in 48 to 72 hours if your car is involved in an accident.

What amount of car insurance do you need?

While most states require minimum liability insurance to be legally able to drive, this may not be sufficient. Liability insurance does not cover damages to other people. You are responsible for paying for the repairs and replacement of your vehicle if it is stolen, damaged, or destroyed in an accident. Full car insurance is a way to avoid this. It adds collision and comprehensive coverage to liability insurance.