Acceptance Auto Insurance Reviews
Acceptance Auto Insurance Reviews
Acceptance auto insurance often offers competitive rates to drivers who struggle to find affordable coverage from other providers. The company markets its insurance policies to young motorists, high-risk drivers and those with bad credit. While others may find better rates and coverage elsewhere, Acceptance auto insurance might be the right choice for specific motorists.
We at the MarketWatch Guides Team looked into the coverage, cost and customer reviews of Acceptance auto insurance. Then, we compared it with the best car insurance companies to determine whether it’s a strong contender. It’s always smart to compare auto coverage from providers to discover which policies best fit your needs.
Acceptance Insurance Review
We give Acceptance auto insurance 7.3 stars out of 10. The company doesn’t offer the most reliable coverage in the industry, but it does provide necessary protection for motorists who often struggle to find it. High-risk drivers may want to consider Acceptance auto insurance, but most others can likely find better and cheaper coverage elsewhere.
| Overall Rating | 7.3 |
|---|---|
| Industry Standing | 7.9 |
| Availability | 8.1 |
| Coverage | 7.1 |
| Cost and Discounts | 6.8 |
| Customer Experience | 7.2 |
*Ratings are determined by our editorial review team. Learn more about our scoring methodology below.
Acceptance Insurance Pros and Cons
About Acceptance Insurance Company
Acceptance is headquartered in Nashville, Tenn., and has been in the insurance business since 1969. The company specializes in insurance for high-risk drivers, so Acceptance offers benefits targeted toward the group.
The company has some checkered ratings online. While Acceptance Insurance carries an A+ rating from the Better Business Bureau (BBB), it only earns a B rating for financial strength from AM Best. That’s slightly concerning since financial strength measures how equipped a provider is to pay claims.
While Acceptance may prove a strong choice for high-risk drivers, there are likely safer coverage options available to others. It’s generally easier for those with poor driving records to get insured by Acceptance rather than other providers, so the company may make sense for certain motorists.
Here are the states where Acceptance auto insurance is available:
| Alabama | Illinois | Pennsylvania |
| Arizona | Indiana | South Carolina |
| California | Mississippi | Tennessee |
| Florida | Missouri | Texas |
| Georgia | Ohio | Virginia |
Additional Products From Acceptance Insurance
If you’re looking to bundle coverage, it’s worth noting that Acceptance auto insurance can be combined with other types of protection. These are the most common choices:
- Homeowners insurance
- Renters insurance
- Motorcycle insurance
- Life insurance
- Travel insurance
- Commercial insurance
- Pet insurance
Bundling insurance coverage can save you money on types of protection beyond a standard Acceptance auto insurance policy.
Acceptance Insurance Customer Reviews
Reviews for Acceptance auto insurance are limited and incredibly mixed. Drivers on the Better Business Bureau (BBB) give the company a dismal 1.23-star rating out of 5.0, hinting at poor service standards. On the other hand, over 1,300 reviews on Google lead to a 4.3-star average.
AM Best gives Acceptance Insurance a B rating for financial strength, indicating a somewhat questionable ability to pay out claims. While you likely won’t run into any issues after an accident, Acceptance may have a tougher time covering damages than some providers.
Acceptance Insurance Claims
Acceptance insurance reviews show that it has friendly agents but a slow claims process that leads to customer complaints. You may not find the greatest customer service through the company, but that may be outweighed by affordable rates and hard-to-find coverage.
Our team reached out to Acceptance for a comment on these scores and reviews but did not receive a response.
Acceptance Auto Insurance Cost And Discounts
You’re unlikely to discover cheap car insurance offerings from Acceptance, but rates will generally be competitive for riskier motorists. It’s nearly impossible to find cheap policies with a marginal driving record, so Acceptance auto insurance may be the best on the market.
As with all car insurance companies, Acceptance uses a number of factors to determine prices for each driver. Because of that, it’s impossible to offer a blanket quote that’s accurate.
Here are some factors that affect the cost of Acceptance auto insurance:
- Driving history: At-fault accidents and traffic violations will likely increase your premium. Acceptance specializes in high-risk drivers, though, so it may make sense even if your driving record is less than perfect.
- Vehicle: In general, expensive vehicles cost more to insure. Sports cars, luxury vehicles and exotic cars carry higher car insurance premiums than standard models.
- Age: Young drivers are more likely to get into accidents and commit traffic violations, so car insurance companies typically charge higher premiums to insure them.
- Location: Insurance companies set varying rates for different states, but prices can change within states too. If you live in a crowded area, you could face higher costs.
- Credit history: People with good credit scores usually get lower rates from car insurance providers. Acceptance auto insurance specializes in covering those with poor credit history.
The easiest way to get an accurate estimate of your premiums is to request car insurance quotes from providers. Many companies offer free quote forms and car insurance estimators that make it simple to discover your potential rates.
Acceptance Auto Insurance Discounts
While local Acceptance auto insurance agencies sometimes mention car insurance discounts, we couldn’t find specifics on the company’s website. Acceptance may offer different discounts at each location, so contact your local insurance agent to learn how much you could save.
Below are some of the most common savings opportunities on the market. While you may not find all of them through Acceptance auto insurance, it’s smart to ask your representative about these potential options.
- Safe driver discount
- Lower rates for bundling policies
- Savings for low-mileage motorists
- Discounted rates for taking driver training programs
Acceptance Car Insurance Coverage
Acceptance auto insurance offers many of the same choices for vehicle protection as leading providers. You’ll find policies that satisfy your state’s minimum coverage standards, but don’t expect much more than bare-bones options. Below are the types of car insurance available through Acceptance:
| Acceptance Auto Insurance Coverage | Details |
| Bodily injury liability car insurance (BI) | Pays for injuries to other drivers if you are at fault for an accident |
| Property damage liability insurance (PD) | Covers damage to other drivers’ property as a result of an accident you caused |
| Collision insurance | Takes care of damage to your vehicle that results from a car accident |
| Comprehensive insurance | Protects your car against non-accident damages such as vandalism, theft and adverse environmental events |
| Medical payments coverage (MedPay) | Covers medical bills accrued due to injuries from an accident |
| Personal injury protection (PIP) | Pays for lost wages, medical expenses and funeral expenses if you’re hurt in an accident |
| Uninsured motorist/underinsured motorist coverage | Covers your vehicle repairs if you get into an accident caused by an uninsured or underinsured motorist |
Remember that Acceptance auto insurance plans are intentionally built for high-risk motorists. That means new drivers, seniors, those with poor credit, drivers with a DUI, non-owners of vehicles and anyone who needs SR-22 coverage fit squarely into the target category for Acceptance Insurance.
Check your state’s minimum coverage requirements before signing up for Acceptance auto insurance. Not all states have the same car coverage standards, so you’ll need to make sure you get the protection required under your state’s laws.
Acceptance Auto Insurance Add-Ons
In addition to the company’s standard options, Acceptance auto insurance offers two choices that may help out in the event of a mechanical breakdown:
- Rental car reimbursement: If your vehicle becomes inoperable after a covered accident, Acceptance auto insurance will provide you with a rental car.
- Roadside assistance: This add-on offers towing and lockout services, flat-tire fixes, emergency fuel delivery and battery jump-starts.
While neither of these choices is necessary, they add peace of mind for policyholders who’d rather avoid stress on the road. It’s also a good idea to at least consider getting full coverage, which includes your state’s minimum standards plus comprehensive and collision insurance.
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