800 Insurance Financial Services has been around for over 25 years, providing a wide range of insurance products to customers across the United States. But how good are they really? In this comprehensive review, we’ll take an in-depth look at 800 Insurance Financial Services, examining their products, services, customer reviews and more to help you decide if they’re the right provider for your needs.
Overview of 800 Insurance Financial Services
Originally founded in 1992 as Northbay Auto Insurance Center, 800 Insurance Financial Services rebranded and expanded their services in the early 2000s. They now offer a full suite of insurance products including:
- Auto insurance
- Motorcycle insurance
- Homeowners insurance
- Renters insurance
- Flood insurance
- Umbrella insurance
- Boat insurance
- Business insurance
- Disability insurance
- Long-term care insurance
- Life insurance
In addition to insurance, they also provide other financial services such as debt consolidation loans.
800 Insurance Financial Services aims to make insurance accessible and affordable for all. They have a team of licensed agents who can provide personalized guidance to help customers find the right coverage.
800 Insurance Financial Services Product Offerings
800 Insurance Financial Services offers a diverse range of insurance products across many categories:
Auto Insurance
- Liability coverage
- Collision and comprehensive coverage
- Uninsured/underinsured motorist coverage
- Medical payments coverage
- Rental reimbursement
- Roadside assistance
They work with top carriers to provide competitive rates. Discounts are available for good drivers,anti-theft devices, bundling policies, and more.
Homeowners Insurance
- Dwelling coverage
- Personal possessions coverage
- Liability coverage
- Medical payments coverage
- Additional living expenses
- Scheduled personal property
Discounts for bundling, security systems, and being claims-free. Flood insurance also available.
Renters Insurance
- Personal property coverage
- Liability coverage
- Loss of use coverage
- Personal liability
- Medical payments
Discounts for bundling and being claims-free.
Life Insurance
- Term life
- Whole life
- Universal life
- Final expense
Get quotes for coverage from $100,000 up to $1 million.
Business Insurance
- General liability
- Property insurance
- Commercial auto
- Workers compensation
- Professional liability
- Cyber liability
- Business interruption
Coverage for small to mid-sized businesses. Multiple discounts available.
Specialty Insurance
In addition to standard policies, 800 Insurance Financial Services offers specialty insurance options such as:
- Boat insurance
- Motorcycle insurance
- Classic car insurance
- RVs
- ATVs and recreational vehicles
- High-value items (jewelry, art, antiques)
Bundled policies and multi-policy discounts available.
This wide range of insurance products from 800 Insurance Financial Services covers all the major bases for most consumers. Their experienced agents can provide guidance to make sure you get the right policies and amounts of coverage.
How to Get a Quote and Buy a Policy
800 Insurance Financial Services makes it easy to get a free, no-obligation quote. You can call their toll-free number or request a quote online.
To buy a policy, you’ll fill out an application with details about yourself and any property/people you want to insure. This allows them to accurately assess risk and determine pricing.
The full purchasing process includes:
- Requesting a quote
- Completing the application
- Providing details about your driving record, claims history, etc.
- Choosing coverage types and limits
- Going through underwriting
- Making your first premium payment
- Having the policy issued to you
800 Insurance Financial Services accepts various payment methods including checking/savings, credit card, and automated bank withdrawals. Policies can be managed online or through a mobile app.
Customer Service and Claims
800 Insurance Financial Services aims to provide quality customer service throughout the process of purchasing and maintaining an insurance policy:
Customer support: Customers have access to licensed agents during regular business hours for questions about policies, billing, adding coverage, and filing claims. Phone, email, and online chat support options.
Claims processing: To file a claim, customers start the process by calling or filing online. 800 Insurance Financial Services has a claims team available 24/7 to begin gathering information. They work to process claims quickly so customers can get issues resolved.
Policy management: Customers can pay bills, request changes, access ID cards, and manage other policy needs through the online portal and mobile app. You can also call or email your agent directly for assistance.
Online reviews indicate customers have a positive experience with 800 Insurance Financial Services when it comes to customer service and the claims process. Many reviewers commented on the friendly, responsive support from agents.
Costs, Discounts and Ratings
800 Insurance Financial Services aims to provide affordable coverage options with available discounts:
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Auto insurance: Average annual cost is $150 to $2,400 depending on factors like age, driving history, and location. Discounts can lower premiums.
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Home insurance: Average annual cost ranges from $200 to $2,000 based on home details, location, and other factors. Bundling and multi-policy discounts available.
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Renters insurance: Typical annual costs are $15 to $30 per month. Bundling with auto insurance saves you 10% or more.
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Life insurance: For $250,000 in term coverage, costs range from $160 to $500 per year depending on health and other details.
800 Insurance Financial Services has an A rating with the Better Business Bureau, indicating a strong reputation. While premiums are fairly competitive, it’s always smart to compare quotes from multiple providers.
What Customers Are Saying in 800 Insurance Financial Services Reviews
We checked out customer reviews on sites like Yelp and WalletHub to see what current and past clients have to say about 800 Insurance Financial Services. Here’s an overview of the feedback:
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Positive experiences getting quotes: Many note it was easy to get a quote and work with agents to find affordable coverage options. Customers felt agents took the time to understand their needs.
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Great customer service: Numerous reviews praise the friendly, knowledgeable service from 800 Insurance Financial Services agents. Customers felt agents were truly supportive, not just trying to make a sale.
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Smooth claims processes: Some customers who went through the claims process said 800 Insurance Financial Services made it simple and paid out claims fairly and promptly.
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Reasonable pricing: Quite a few reviews mention 800 Insurance Financial Services offered competitive pricing on par with or lower than other insurers.
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Areas for improvement: Some customers experienced slow claims processing or poor communication. A portion felt rates increased frequently after the first year.
Overall, reviews indicate 800 Insurance Financial Services provides quality insurance products combined with good customer service. There are some negatives, as with most companies, but the majority of experiences seem positive.
Is 800 Insurance Financial Services Right for You?
When deciding if 800 Insurance Financial Services is the right insurance provider for your needs, consider these key factors:
Your insurance needs – Do they offer all the policies you want to purchase such as auto, home, life, etc?
Pricing – Make sure to compare quotes to find the best rates for your situation.
Discounts – Can you save by bundling or taking advantage of other discounts?
Customer service – Reviews indicate good experiences overall working with 800 Insurance Financial Services agents.
Claims processing – Check reviews to see if customers report smooth claims experiences.
Financial stability – They have an A rating with the BBB showing strong financials.
For most insurance needs from auto to business coverage, 800 Insurance Financial Services offers an array of policies at reasonable rates backed by helpful customer service. Compare quotes and talk to an agent to see if their products fit your requirements and budget.
The Bottom Line
With over 25 years in business and a wide selection of insurance offerings, 800 Insurance Financial Services is a solid option for consumers needing coverage. They have competitive pricing along with quality customer service from knowledgeable agents. While a few reviews cited drawbacks like claims delays, the majority of policyholders have great experiences overall. If you need multiple insurance products, 800 Insurance Financial Services makes it convenient by combining everything under one roof.