Acceptance Auto Insurance: No Coverage For Dodges, Why?

Acceptance Auto Insurance is a company that provides coverage for high-risk drivers, such as those with poor credit or a checkered driving history. They offer standard insurance options such as comprehensive, collision, uninsured motorist, rental car, and roadside assistance coverage. Acceptance operates in 13 states and has received mixed reviews, with a rating of 7.3 out of 10. While they provide necessary protection for high-risk drivers, their financial strength has been called into question, and they have received more complaints than expected for a company of their size. This may be a reason why they don't insure Dodge vehicles, as Dodge vehicles are known for their performance and power, which could be considered a risk factor by insurance companies.

Acceptance auto insurance is for high-risk drivers

Acceptance auto insurance is a good option for high-risk drivers who have trouble finding insurance coverage elsewhere. The company specializes in auto insurance for people who need high-risk, SR-22, or FR-44 insurance. They offer benefits targeted towards high-risk drivers, and it is generally easier for those with poor driving records to get insured by Acceptance.

High-risk auto insurance is a special type of policy reserved for drivers with less-than-stellar driving records. These drivers are considered more likely to cause an accident and are therefore more expensive to insure. Finding insurance for high-risk drivers can be challenging, but not impossible.

High-risk drivers include those who are:

• Inexperienced (young or new drivers)
• Have multiple infractions, such as traffic violations or at-fault accidents
• Have poor credit

Acceptance auto insurance is available in 15 states and offers competitive rates for high-risk drivers. However, their rates tend to be much more expensive than their competitors, even for higher-risk drivers. They also have a questionable financial strength rating, indicating a limited ability to pay out claims.

In summary, while Acceptance auto insurance caters to high-risk drivers, their rates are not the cheapest, and their financial stability is uncertain. High-risk drivers may want to consider Acceptance but should also explore other insurance providers to find the best coverage and rates.

It offers competitive rates to drivers who struggle to find affordable coverage

Acceptance Insurance has been in the insurance business since 1969. The company specializes in insurance for high-risk drivers, including young motorists, those with poor credit history, and drivers with a DUI. Acceptance offers competitive rates to drivers who struggle to find affordable coverage from other providers.

The company's insurance plans are intentionally built for high-risk motorists, and it rejects very few motorists. Acceptance offers necessary protection for motorists who often struggle to find it. While Acceptance may not offer the most reliable coverage in the industry, it is a strong choice for high-risk drivers.

The company has some checkered ratings online. While it carries an A+ rating from the Better Business Bureau (BBB), it only earns a B rating for financial strength from AM Best, indicating a somewhat questionable ability to pay out claims.

Acceptance 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. Acceptance auto insurance offers the following types of car insurance:

• Bodily injury liability car insurance (BI)
• Property damage liability insurance (PD)
• Collision insurance
• Comprehensive insurance
• Medical payments coverage (MedPay)
• Personal injury protection (PIP)
• Uninsured motorist/underinsured motorist coverage

In addition to the 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.

It markets its insurance policies to young motorists

Acceptance Auto Insurance markets its insurance policies to young motorists, high-risk drivers, and those with bad credit. The company has been in the insurance business since 1969 and is headquartered in Nashville, Tennessee. While Acceptance Insurance carries an A+ rating from the Better Business Bureau (BBB), it only has a B rating for financial strength from AM Best, indicating a questionable ability to pay out claims.

Acceptance auto insurance offers competitive rates to drivers who struggle to find affordable coverage from other providers. The company's insurance plans are designed for high-risk motorists, including new drivers, seniors, those with poor credit, drivers with a DUI, non-owners of vehicles, and anyone who needs SR-22 coverage. Acceptance's rates are generally higher for young drivers due to the increased likelihood of accidents and traffic violations.

The company provides various types of insurance coverage, including bodily injury liability, property damage liability, collision, comprehensive, medical payments, personal injury protection, and uninsured motorist/underinsured motorist coverage. In addition, Acceptance offers add-ons such as rental car reimbursement and roadside assistance for extra peace of mind.

While Acceptance auto insurance might be a good choice for high-risk drivers, most others can likely find better rates and coverage elsewhere. The company's customer service reviews are mixed, with a dismal rating on the BBB website but a higher average rating on Google. Overall, Acceptance auto insurance is a strong option for those who have difficulty obtaining coverage from other providers.

It offers coverage to drivers with bad credit

Acceptance auto insurance is a good choice for drivers with bad credit. While drivers with bad credit will likely have to pay higher rates, Acceptance 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.

Credit scores are used by insurance companies to judge the level of financial responsibility a person has. Instead of evaluating the risk of poor fiscal choices, they use the information on your credit report to determine your potential risk of filing a claim. The higher the risk, the higher the monthly premium on a car insurance policy for those with bad credit.

Acceptance Insurance has some checkered ratings online. While it 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.

If you have bad credit, you can increase your insurance score and avoid having to seek out auto insurance for bad credit by doing the following:

• Paying your bills on time and keeping all your accounts in good standing
• Keeping your credit card balances low
• Not opening unnecessary credit accounts
• Establishing and maintaining credit
• Making sure your credit report is accurate

It provides coverage to drivers with poor driving records

Acceptance Insurance is a subsidiary of First Acceptance Corporation, which has been in the insurance business since 1969. The company is headquartered in Nashville, Tennessee and offers non-standard insurance to high-risk drivers.

High-risk auto insurance is a special type of policy reserved for drivers who have a less-than-stellar driving record. These policyholders are labelled high-risk because they are considered more likely to cause an accident. Acceptance auto insurance is a good fit for many non-standard drivers. The company accepts most drivers, regardless of their driving history.

There are a few reasons why a person might need a high-risk car insurance policy. Most companies have three main categories:

• Inexperienced drivers – young drivers or those who have just received their licenses are considered inexperienced and thus, a higher risk.
• Drivers with multiple infractions – While one infraction won’t drive up the risk, having multiple traffic violations or at-fault accidents in a short period can lead to being labelled high-risk.
• Drivers with poor credit – Drivers with a poor credit history and score are often put in the high-risk category as they are considered more likely to file a claim.

Acceptance auto insurance is available in the following states:

• Alabama
• Arizona
• Florida
• Georgia
• Illinois
• Indiana
• Missouri
• Ohio
• Tennessee
• Texas
• Wisconsin

The company has some negative reviews online. It receives a complaint index score of 4.74, while the median score is 1. This means Acceptance is almost five times as likely to receive a complaint when compared to other auto insurance companies. Acceptance policyholders frequently complain about the company’s claims process, the speed at which claims were handled, and the responsiveness of the claims investigators and adjusters.

Frequently asked questions