Finding the Right Auto Insurance with Old Republic

As a longtime auto insurance customer, I’ve learned that finding the right company is key to getting good rates and service. In this article, I’ll share my experience with Old Republic auto insurance and provide tips for customers looking to insure their vehicles.

A Brief Background on Old Republic Auto Insurance

Old Republic Insurance Group offers auto insurance through several of its subsidiaries including Old Republic Insurance Company, Old Republic General Insurance Corporation, and BITCO Insurance Companies.

Old Republic first started selling auto insurance in the 1920s and now provides policies in nearly every state. They market themselves as a specialty commercial lines insurer but also have a strong personal auto insurance presence.

Some of the benefits Old Republic offers drivers

• Multiple discounts: Savings for low mileage, anti-theft devices, good student, safe driver, paying in full, and more.

• Rate stability: Old Republic takes pride in not raising rates frequently even after claims.

• Local agents The ability to work with independent agents in your community

• Strong financial rating: Old Republic has an AM Best rating of A+, so you can have confidence they are financially stable.

Below I’ll go into more detail on what I’ve learned as an Old Republic auto insurance customer.

My Experience with Old Republic Auto Insurance

I’ve had Old Republic personal auto insurance for the past 3 years. Here are some of the highlights of my customer experience:

• Quick quote process: I got quotes from 3 local agents and was able to secure coverage in just a few days. The application process was simple.

• Good rate for my profile: As a safe driver in my 40s, I was happy with the premium I qualified for. It was very competitive with the other quotes I received.

• Helpful local agent: My agent explained all the coverages clearly and made sure I had the right liability limits and deductions. He provided great ongoing service.

• Easy claims process: I had a not-at-fault accident last year and Old Republic made the claims process smooth. My car was repaired quickly at one of their network body shops.

• Few rate hikes: My premium has only increased slightly at renewal over 3 years. The stability has been really nice.

Overall, I’ve been very satisfied with the pricing, customer service and claims handling from Old Republic auto insurance. They deliver on their promises.

Tips for Finding the Best Old Republic Auto Insurance for Your Situation

Based on my experience, here are my tips for customers considering Old Republic for auto insurance:

• Compare multiple agents’ quotes: Premiums can vary, so check with a few local Old Republic agents to find the best rate.

• Ask about all available discounts: An agent who makes sure you get discounts for things like low mileage and good driver can save you a lot.

• Consider higher deductibles: Choosing a higher deductible like $500 or $1000 brings down the premium. Make sure you can afford the out-of-pocket cost.

• Review the policy limits: Don’t just default to state minimum liability coverage. Make sure your limits adequately cover the risk.

• Bundle home & auto: If you also get homeowners or renters coverage with Old Republic, you can get a multi-policy discount.

• Use online quotes as a baseline: Get an online quote from Old Republic’s website, then work with an agent to see if they can beat it.