Insured Nation Auto Insurance: Reviews of Coverage, Claims, and More

Finding the right car insurance company can be frustrating. Who has the best rates? Who will actually pay your claim? I wanted answers, so I took a deep dive into reviews of Insured Nation auto insurance. Here’s what I learned about their coverages, claims, and customer experiences.

Who is Insured Nation?

Insured Nation is an online division of Bristol West Insurance, under parent company Farmers Insurance. They sell auto policies directly to consumers.

Insured Nation launched in 2018 to appeal to budget-conscious drivers. They focus on offering basic liability and full coverage at low rates. Read on to see what policyholders have to say about Insured Nation’s pricing, customer service, and claims handling.

Insured Nation Auto Insurance Coverages

Insured Nation policies include

• Bodily Injury Liability – covers injuries to others

• Property Damage Liability

• Uninsured/Underinsured Motorist Bodily Injury – protects you if hit by an uninsured driver

• Personal Injury Protection/Medical Payments

• Comprehensive – covers damage from theft, vandalism, weather

• Collision – covers your vehicle’s damage from an accident

Availability varies by state. Policies don’t include extras like roadside assistance or rental reimbursement.

Reviews confirmed the basic coverage options. Several mentioned wanting more add-ons. A few drivers coming from other companies missed accident forgiveness or new car replacement. But keeping it simple does help Insured Nation offer low rates.

What Do Reviews Say About Cost?

The biggest praise for Insured Nation is affordable premiums, especially for high-risk drivers. Many reviews stated they found much lower rates than other insurers.

For example, a driver with a recent at-fault accident saved $60 per month by switching to Insured Nation. One review said their premium was literally cut in half.

Savings seem to be larger for higher-risk or younger drivers. Those with excellent driving records didn’t report the same big savings when they switched.

Customers recommend comparing Insured Nation’s quote against your current rate. For some drivers, the savings are substantial. Just know the low cost comes from basic coverage limits and minimal extras.

Are There Discounts?

Yes, Insured Nation does offer some ways to save:

• Multi-car discount

• Safe driver discount

• Student discount

• Pay-in-full discount

The limited discount lineup matches the budget focus of the brand. But every little bit helps with affordability, and customers appreciated any savings.

How Do Reviews Rate Customer Service?

Insured Nation is direct-to-consumer, meaning they don’t have local agents. You manage your policy online or over the phone.

Many reviews specifically highlighted great customer service via phone and chat. The representatives were praised for quick response times, patience, and explaining coverages.

Positive reviews described the Insured Nation service team as:

• Helpful

• Knowledgeable

• Courteous

• Efficient

Some negative reviews felt agents pushed add-ons too hard. There were also a few complaints of long hold times. But most seemed pleased with timely, thoughtful service.

Are There Apps or Online Management?

Insured Nation doesn’t appear to offer policy apps or account management via mobile or web.

This matches their budget model. Apps and account tools add overhead costs that may increase rates. But a few reviews did complain about a lack of technology.

For now, Insured Nation still operates with phone and mail as the main contact methods. This may make management less convenient for some drivers.

How Easy is the Claims Process?

The true test of an insurer is the claims process. Reviews specifically praised Insured Nation for smooth claims experiences and fast resolution.

Many noted claims were paid fairly and promptly. One said their totaled car was settled and paid within 10 days. Another got collision repairs approved and completed with minimal hassle.

Negative reviews pointed to delays contacting adjusters and long waits for repairs or reimbursements. But most agreed claims overall were handled well. That’s reassuring when you need to file.

Are Customers Satisfied?

Despite a limited feature set, reviews generally reflect happy Insured Nation customers, especially drivers needing a low rate. Many state the inexpensive pricing outweighs sacrifices like light coverage options or lack of mobile apps.

Drivers report the company delivers as promised: affordable car insurance with decent customer service and minimal hassle when you file a claim. Insured Nation gets high marks for saving consumers money. Just know coverages are scaled-back.

Is Insured Nation Recommended?

Insured Nation earns 3 out of 5 stars in my book.

For certain demographics like high-risk or budget-focused drivers, Insured Nation delivers quality basic insurance at very low rates.

But more coverage-conscious consumers may want wider options and mobile management. I suggest comparing their quote to find potential savings versus your current premium and coverage.

The consensus seems to be that Insured Nation provides a solid experience at a bargain cost. See if you could be their ideal customer and get protection at an affordable price.

The Bottom Line: Who is Insured Nation Best For?

Based on reviews, Insured Nation auto insurance stands out for:

Cost Savings – big rate cuts for some high-risk and budget-minded drivers

Basic Coverage – liability, collision, comprehensive; minimal add-ons

Top-Notch Service – helpful, prompt customer and claims resolution

Limited Features – no mobile app, minimal discount offerings

Overall, reviews indicate Insured Nation hits the mark for simple, low-cost car insurance. See if their streamlined approach fits your needs and budget.