Finding the right insurance and financial services provider involves lots of research. That’s why reviews from real customers can provide helpful insight. In this article, I’ll break down reviews and ratings for 800-Insurance to help you evaluate if they’re the right fit for your needs.
About 800-Insurance
Originally called Northbay Auto Insurance Center, 800-Insurance was founded by Boris Berman back in 1992. They rebranded to their current name in the early 2000s as the company expanded beyond just auto insurance.
Today, 800-Insurance offers a wide array of insurance policies and financial services including:
- Auto insurance
- Home insurance
- Life insurance
- Business insurance
- Disability insurance
- Annuities
- Long-term care insurance
They focus on affordable pricing and quality customer service. However, as we’ll see from reviews, not all customers have been satisfied with their experiences.
Online Reviews and Ratings
800-Insurance currently has a WalletHub rating of 4.1 out of 5 based on 36 reviews. On other sites like BBB and Google, they have around 2.5 stars out of 5. Here’s an overview of the pros and cons mentioned across these reviews:
Pros
- Competitive pricing on auto and home insurance
- Quick quote process online or over the phone
- Friendly and responsive agents
Cons
- Misleading or incorrect information provided
- Difficulty getting ahold of agents after sale
- Slow claims processing times
Now let’s take a closer look at reviews from some of the top consumer sites
WalletHub Reviews
The 36 WalletHub reviews average 4.1 stars though recent ratings are more negative. Positive reviews mention reasonable rates and helpful agents. For example Gary M. says “They found us great coverage at reasonable rates” and Kathryn M. says her agent was “very friendly and wanted to help us in any way possible.”
However, the latest reviews cite poor customer service and incorrect policy information. Miranda says “I was lied to about what my policy would cover” and Tyler adds “I’ve never dealt with such unprofessional staff.” These inconsistent service issues are troubling.
BBB Reviews
800-Insurance is not BBB accredited and has 18 reviews averaging just 1 star. The negative reviews revolve around misleading sales tactics, difficult claims processes, and failure to respond to complaints.
Sandra R. explains “They told me if I cancelled early I’d get a pro-rated refund. When I cancelled they refused to refund anything.” Multiple reviewers say 800-Insurance stopped responding after they paid for policies.
There are a few 5-star reviews praising reasonable rates, but they appear suspicious given the overwhelmingly negative feedback. Lack of responses to most complaints is also concerning.
Google Reviews
The 39 Google reviews result in a 2.5-star rating. The positive reviews cite good prices and customer service. However, most of the 2-star and 1-star complaints voice similar issues as on BBB:
- Misrepresented policy information
- Premium increases after purchase
- Unresolved claims
Overall Review Summary
- Positive – Affordable rates, helpful agents
- Negative – Misleading sales tactics, poor claims processes, unresponsive customer service
While pricing seems competitive, inconsistent service and not resolving issues lead to quite negative feedback overall.
What Reviewers Recommend
Many reviewers say shopping around and comparing quotes from other insurers could prevent the problems they encountered. Recommendations include:
- Get quotes from at least 3 providers before purchasing a policy.
- Read all policy documents thoroughly to confirm coverage details.
- Note any verbal promises agents make and get them in writing.
- Consider local insurance brokers or agents instead of call centers.
Doing more research before committing can help avoid potential issues highlighted in 800-Insurance reviews.
Should You Use 800-Insurance?
Low prices aren’t everything when it comes to insurance and financial services. How an agency treats customers and handles claims hold more importance. Based on these 800-Insurance reviews, there seem to be recurring issues with misleading information and poor service.
However, don’t rule them out completely. Third-party sites tend to have more negative reviews in general compared to satisfied customers. Get quotes to compare their pricing, then weigh pricing vs service mentioned in reviews. An independent broker can also help find you the right provider.
If you do use 800-Insurance, document all policy details and conversations. Having a paper trail protects you if disputes arise later. Also know your state’s insurance regulations in case you need to file a complaint.
The Bottom Line
Finding affordable insurance rates is great, but make sure customer service and claims satisfaction meet your standards too. Check reviews across multiple sites to identify any red flags like those found with 800-Insurance before making a decision. Paying attention to other customers’ experiences could end up saving you money and headache down the road.
OverviewStandard Insurance Company offers life, disability and retirement insurance services.
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Standard Insurance Company has 5 locations, listed below.
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Standard Insurance Company
1100 SW 6th Ave Portland, OR 97204-1020
- Standard Insurance Company Walnut Creek, CA 94596-7377 1600 Riviera Ave Ste 385
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401 Edgewater Pl Ste 520 Wakefield, MA 01880-6212
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121 Middle St Ste 302 Portland, ME 04101-7109
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100 Commercial St # 208 Portland, ME 04101
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What is 800-insurance financial services?
800-Insurance Financial Services aims to Provide Expert care and Quality Service. 800-Insurance is a trusted provider of insurance solutions with over a hundred years of collective experience in the industry. We specialize in offering Auto, Home, and Business insurance to individuals and businesses.
What does a credit score of 800 mean?
A credit score of at least 800 comes with several benefits, including easier loan approvals, lower rates, better credit card offers and lower insurance premiums. When you apply for a mortgage, personal loan or private student loan, you won’t have to worry about meeting a lender’s minimum credit score requirements with a score of 800.
Can a 800 credit score get a discount on insurance?
When you apply for insurance, some insurance providers factor in your credit score when calculating your insurance premium. If you live in a state that allows credit-based insurance, an 800 credit score could get you a discount on your homeowners insurance or auto insurance premiums.
Do you need a 800 credit score to get a loan?
When you apply for a mortgage, personal loan or private student loan, you won’t have to worry about meeting a lender’s minimum credit score requirements with a score of 800. As long as you meet other loan requirements, such as income and debt, the lender will likely approve your application.