What You Should Know
- Acuity allows drivers to file claims online
- You purchase additional coverage options through Acuity
- You can find free insurane quotes online
With so many car insurance companies swarming the marketplace, how can you find a practical guide for understanding car insurance in order to find the best policy for your needs?
Thankfully, if you have access to the internet you can find free car insurance quotes and Acuity insurance reviews whenever you’re ready to shop for a new insurance company.
Doing your research on an insurance company is a wise move. It can not only help you learn more about how car insurance works but also help you to discover an insurance company, like Acuity, that can provide policies that will meet the ever-changing needs of your household.
If you’re curious as to how affordable Acuity car insurance rates are, Acuity insurance reviews like this one can help you get the answers you need. Keep reading to learn more about this company and the coverages it provides.
If you’ve already read plenty of Acuity car insurance reviews and have decided that this isn’t the company for you, you don’t have to wait to get a great policy. Enter your ZIP code to start comparing free insurance quotes from insurance companies near you.
Drivers who are shopping for a new car insurance company need Acuity insurance reviews to provide at least three key pieces of information:
- What types of coverage does Acuity provide?
- How much does Acuity cost?
- Does Acuity offer discounts?
If you’re looking for answers to those questions, then you’re in the right place. Let’s take a closer look at the coverages that this AM Best A+ rated can offer you to protect yourself and your vehicle.
A full-coverage policy purchased from Acuity will come with seven coverages. These include:
- Bodily Injury Liability
- Property Damage Liability
- Un/Underinsured Motorist
- Collision Coverage
- Comprehensive Coverage
- Medical Payments
- Personal Injury Payments
If you ever need to file a claim, you can do so by calling Acuity’s phone number or by logging into your online account. Once the claims process is wrapped up, you’ll be able to receive your Acuity insurance settlements and get back to cruising down the open road.
Now, these essential coverages will provide a great deal of protection for you and your vehicle if you were to ever be in an accident. However, if you are a driver who would like to limit the amount of risk you take even more before you get out on the road, you may be interested in purchasing some of the additional coverages that Acuity has available.
If you want to buy car insurance, Acuity insurance reviews will inform you that this company has some great additional coverages that you can choose to add to your policy. When designing your policy, you’ll be able to customize it to fit your needs. You can choose to add on:
- Vehicle Replacement Coverage
- Full Safety Glass
- Towing and Labor
- Personal Auto Enhancements
- Auto Loan/Lease
- Temporary Transportation Expenses
Knowing how your coverage works is key to finding the best car insurance coverage for you so let’s examine each of these individual coverages so you can know exactly which ones can best serve your needs.
With this coverage, if your vehicle is totaled, you will be able to purchase a brand new car as long as it is either similar to your previous model or the same model. If you drove an older car, you could even receive more than 25% of the vehicle’s value at the time in compensation.
Your windshield and windows are very important, but a single crack in your windshield could force you to get the whole thing replaced, but with this coverage, you wouldn’t have to pay your comprehensive deductible to get it replaced or repaired.
This is a great type of coverage for anyone who doesn’t want to take chances when they head out for a drive. If your car were to break down or run out of gas you would be able to access 24/7 assistance that would provide you with a tow, fuel delivery, tire changes, and more.
This coverage seems to have been designed for drivers who practically live out of their cars. If you’re a pet owner, you might also be interested in this coverage. If your keys are misplaced, you’ll be able to get not only key replacement but lock replacement as well.
Also, if you’re in an accident and some of your belongings in the car are damaged, you’ll have personal property replacement coverage available to get you the compensation you need. This coverage even allows you to get reimbursement for a rental car, food, or lodging after you’ve experienced an accident.
Drivers who owe money on their car could greatly benefit from this type of coverage. If you were to total your car that you still owed a substantial amount of money on, this will allow you to pay off the vehicle.
Just because your car is in the shop, that doesn’t mean that you have to be trapped in your home all day. With this extra coverage, you could get the funds you need to pay for an alternative mode of transportation. Unlike other major insurance companies that typically only offer rental car coverage, you can use this coverage to pay for bus fare, a taxi, rideshares, or a rental car.
You may think that all of these coverages won’t add up to affordable car insurance but Acuity insurance reviews will tell you otherwise. You see, this insurance company has many discounts that you can utilize in order to lower your rates and get the coverage you need.
When you’re comparing Acuity insurance quotes online, keep an eye out for discounts like these:
- Good Student
- Graduate Student
- Safe Driver
- Safety Features
- Multi-car discount
- Accident prevention course discount
If all of this information is making you excited to purchase a policy from Acuity, you will need to pause and check to see that you live in one of the states that has this insurance available.
Acuity offers some great coverage options, but if you live in any of the states listed below, you will be unable to purchase insurance from this company:
- New Jersey
- New York
- North Carolina
- Rhode Island
- South Carolina
- District of Columbia
If your state is listed here, there’s no need to worry. You can shop online at any time of day or even during the night to find a policy that can give you great coverage at a great rate.
Consumers who like to know who they are doing business with will be pleased to know that unlike some other insurance companies, Acuity insurance is not underwritten by another company.
If you have a good driving record, you may potentially pay only $2,305 per year with Acuity, but you must remember that no two drivers will pay the same rate. Even if you and a neighbor who drove a similar car both bought insurance from Acuity, you two could be offered incredibly different rates.
You see, if you have very good credit and a clean driving record, Acuity’s underwriting process would most likely nominate you as a low-risk driver and offer you rates that match that risk assessment.
Now, if your neighbor constantly got speeding tickets and didn’t maintain a good credit score, that individual would most likely be offered a higher rate as those habits tend to designate someone as high-risk in an insurance company’s eyes.
Acuity is a company that offers robust coverage options like personal auto enhancements and great discounts to eligible drivers. Unfortunately, this insurance company is not available in every state. However, if you cannot buy a policy from Acuity, you can also shop online for great insurance.
If you have learned all you need to know about these policies after reading Acuity insurance reviews, enter your ZIP code to get free quotes today.