Car insurance is a necessity for every driver out there. Not only is it required by law, but it also offers financial protection against accidents, theft, and other unexpected events on the road. Encompass car insurance is one of the many options available to drivers. Here’s everything you need to know about Encompass car insurance, including coverage options, discounts, and customer reviews.
What is Encompass Car Insurance?
Encompass is a subsidiary of Allstate Insurance, offering auto, home, and other types of insurance policies. Encompass car insurance policies are designed to provide comprehensive coverage for drivers, protecting against liability, property damage, and bodily injury. The company offers customizable policies tailored to each driver’s needs, with features such as accident forgiveness, roadside assistance, and rental car reimbursement.
Coverage Options
Encompass car insurance offers a wide range of coverage options to fit each driver’s specific needs. Here are some of the coverage options available:
Coverage Type |
Description |
Liability Insurance |
Covers damages and injuries you may cause to other people and their property. |
Collision Insurance |
Covers damages to your own car in the event of a collision with another vehicle or object. |
Comprehensive Insurance |
Covers damages to your car from non-collision events, such as theft, vandalism, or natural disasters. |
Uninsured/Underinsured Motorist Insurance |
Covers damages and injuries you may suffer in an accident caused by a driver without insurance, or with insufficient coverage. |
Personal Injury Protection |
Covers medical expenses and lost wages for you and your passengers in the event of an accident, regardless of who is at fault. |
Encompass car insurance also offers add-on coverage options, such as roadside assistance, rental car reimbursement, and accident forgiveness. These optional coverages can provide extra protection and peace of mind for drivers.
Discounts
Encompass car insurance offers various discounts to help drivers save money on their premiums. Here are some of the discounts available:
Discount |
Description |
Multi-Car Discount |
Save money by insuring multiple cars under one policy. |
Safe Driver Discount |
Get a discount for having a good driving record with no accidents or violations. |
Multi-Policy Discount |
Get a discount for bundling your car insurance with other policies, such as home or life insurance. |
Anti-Theft Device Discount |
Save money if your car is equipped with anti-theft devices, such as an alarm system or a tracking device. |
Paperless Billing Discount |
Save money by opting for paperless billing and automatic payments. |
Customer Reviews
Encompass car insurance has mixed reviews from customers. Some customers praise the company’s excellent customer service and affordable rates, while others complain about slow claim processing and coverage issues. According to J.D. Power’s 2021 U.S. Auto Insurance Study, Encompass ranked slightly below average in overall customer satisfaction, with a score of 832 out of 1,000 points. However, the company received high ratings for its claims handling process.
Conclusion
Encompass car insurance is a good option for drivers who want customizable coverage options and discounts. The company’s add-on coverages, such as roadside assistance and rental car reimbursement, can provide extra protection and peace of mind. However, Encompass’s customer service and claims processing may not be as efficient as other insurance companies, according to some customer reviews. If you’re considering Encompass car insurance, be sure to compare quotes from multiple insurance providers to find the best coverage and rates for your needs.
FAQs
1. Is Encompass car insurance a good choice?
Encompass car insurance is a good choice for drivers who want customizable coverage options and discounts. However, the company’s customer service and claims processing may not be as efficient as other insurance companies, according to some customer reviews.
2. What are the coverage options offered by Encompass car insurance?
Encompass car insurance offers a wide range of coverage options to fit each driver’s specific needs. These include liability insurance, collision insurance, comprehensive insurance, uninsured/underinsured motorist insurance, and personal injury protection.
3. What discounts are available with Encompass car insurance?
Encompass car insurance offers various discounts, such as multi-car discount, safe driver discount, multi-policy discount, anti-theft device discount, and paperless billing discount.
4. How does Encompass car insurance compare to other insurance companies?
According to J.D. Power’s 2021 U.S. Auto Insurance Study, Encompass ranked slightly below average in overall customer satisfaction, with a score of 832 out of 1,000 points. However, the company received high ratings for its claims handling process.
5. How can I get a quote for Encompass car insurance?
You can get a quote for Encompass car insurance by visiting the company’s website, calling their toll-free number, or contacting a local agent.
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