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Acceptance SR-22 Insurance Review


ConsumersAdvocate.org Rating: 3.8 / 5 (Very good)
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Acceptance Insurance is a provider that specializes in coverage for high-risk or non-standard drivers. Acceptance seems to welcome all drivers who have had issues with getting coverage from other major insurers, helping customers with a negative driving history start over. This, of course, comes at a higher price tag than other leading insurance companies. The company does offer several discounts that can make purchasing a policy through Acceptance more affordable.
 
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How is Acceptance rated?

Breakdown

4.5/5
Coverage & Benefits
4.0/5
Pricing & Discounts
3.0/5
Financial Strength
3.0/5
Customer Experience

Overall Rating: 3.8 / 5 (Very good)

Acceptance Insurance provides coverage to drivers who might be rejected by other companies, setting this company apart from the rest, regardless of a higher than average insurance cost. If you cannot get affordable coverage through another insurance company and you live in one of the states where Acceptance operates, this company is worth taking a look at.

Acceptance Coverage & Benefits

Coverage & Benefits - 4.5 / 5

Acceptance specializes in providing coverage to drivers who have a less than perfect driving history. Basic liability coverage for drivers who need to meet the state's requirements, bad credit auto insurance, and auto insurance for teenagers and seniors are some of the policies offered. Also, the company provides comprehensive and collision and uninsured or underinsured motorist coverage. Emergency roadside assistance plans can be selected for an additional cost as well as hospital indemnity plans to help cover medical expenses.

Basic Coverage

  • Roadside Assistance
  • Collision
  • Comprehensive
  • Medical Payments
  • Uninsured/Underinsured Motorist

Acceptance Pricing & Discounts

Pricing & Discounts - 4 / 5

When comparing Acceptance Insurance quotes to other major insurers, these tend to be higher. Conversely, Acceptance prides itself in providing coverage to a wider range of customers or non-standard, high-risk drivers when other insurers won't, thus explaining the price difference.

Discounts

  • Multiple Vehicle
  • Homeowner

Additional Discounts

  • Full/Automatic Payment

Acceptance Financial Strength

Financial Strength - 3 / 5

Acceptance Insurance is rated with a C++ by AM Best, which could indicate that it is going through financial turmoil. Also, the insurer's complaint ratio with the National Association of Insurance Commissioners (NAIC) is considerably higher than the national median. However, the company only has a total of 12 complaints filed with the NAIC.

Financial Ratings

AM Best Financial Rating
C++
Company Type
Underwriter
Year Founded
1968

Acceptance Customer Experience

Customer Experience - 3 / 5

Acceptance Insurance policyholders can contact a service representative during the company’s business hours, Monday through Saturday, by phone or email. Claims can be initiated online 24/7, but require talking to a customer service agent who will contact the policyholder by the end of the next business day. Customers who feel that they need more immediate customer support may want to consider another company.

Reviews

BBB Rating
A+
NAICS Complaint Ratio 2016
5.78
NAICS Total Complaints 2016
12
Date Collected
2018-03-14

Company Profile

Full Name
Acceptance SR-22 Insurance
Company Website
https://www.acceptanceinsurance.com/
Headquarters
3813 Green Hills Village Drive, Nashville, TN, 2610

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