Insured Nation Auto Insurance: Reviews, Ratings, and Coverage Options

Finding the right auto insurance company is an important decision. You want adequate coverage at an affordable rate from a reputable insurer. Insured Nation is one option for Florida drivers looking for car insurance. But how does Insured Nation stack up in terms of customer satisfaction, discounts, and coverage?

In this review, we’ll provide an in-depth look at Insured Nation auto insurance, including:

• Overview of Insured Nation
• Insured Nation customer reviews and ratings
• Types of auto insurance offered
• Available discounts and bonuses
• Cost of Insured Nation auto insurance
• Pros and cons of Insured Nation
• Alternative Florida auto insurers to consider

About Insured Nation Auto Insurance

Insured Nation is an insurance agency based in South Florida. They offer a range of insurance products, including:

• Auto insurance
• Homeowners insurance
• Renters insurance
• Condo insurance
• Flood insurance
• Motorcycle insurance
• Boat insurance
• Business insurance

Insured Nation works with various insurance carriers to provide coverage options. They have partnered with large national companies like Progressive, Travelers, Safeco, and Foremost.

Insured Nation has 30+ local offices in the Miami, Fort Lauderdale, and West Palm Beach areas. They focus on personalized local service through their neighborhood agent offices.

Insured Nation Customer Reviews and Ratings

Understanding past customer experiences can provide helpful insight into an insurance provider. Here are Insured Nation’s current review scores and ratings:

• Better Business Bureau (BBB): A+ rating
• WalletHub: 4.2 out of 5 stars based on 111 reviews
• Google: 4.7 out of 5 stars based on 340+ reviews

Positive feedback on Insured Nation commonly mentions:

• Excellent customer service from local agents
• Competitive pricing of auto insurance policies
• Quick claims processing and fair settlements

Negative Insured Nation reviews cite issues like:

• Sudden rate hikes at renewal time
• Difficulty getting ahold of agents at times
• Mixed experiences depending on agent

Overall, most Insured Nation customers appear satisfied with the auto insurance coverage and service received. But experiences can vary depending on the individual agent.

Insured Nation Auto Insurance Coverage Options

Insured Nation offers standard auto insurance coverages through their carrier partners. Available options include:

• Liability insurance: Bodily injury and property damage liability as required by state law. Limits typically range from $10,000 to $500,000.

• Collision: Covers damage to your vehicle from an accident, regardless of fault.

• Comprehensive: Protects against damage from non-collision causes like theft, vandalism, fire, flooding, hail, and glass breakage.

• Uninsured/underinsured motorist: Covers injuries to you and your passengers if you’re hit by an at-fault driver with no or insufficient insurance.

• Medical payments: Covers medical treatment for you and your passengers, regardless of fault.

• Personal injury protection: Pays for medical expenses and lost wages for you and your passengers, as required in no-fault states like Florida.

• Roadside assistance: Provides towing, battery jumps, flat tire changes, gas delivery, and lock-out assistance.

• Rental reimbursement: Pays for a rental car if your vehicle is in the shop after a covered loss.

• Mechanical breakdown insurance: Optional add-on that covers repairs due to vehicle component failure.

Insured Nation agents can explain coverage options and recommend appropriate limits based on your needs and budget.

Available Discounts from Insured Nation

Insured Nation agents have access to a variety of auto insurance discounts used by their carrier partners. These discounts can help you save money on your premiums. Potential discounts include:

• Safe driver discount
• Good student discount
• Defensive driver discount
• Low mileage discount
• Multi-vehicle discount
• Multi-policy discount
• Paid-in-full discount
• Electronic documents discount
• New vehicle discount
• Anti-theft device discount

Discount eligibility will depend on your individual circumstances and the underwriting guidelines of the insurance carrier. An Insured Nation agent can advise which discounts you may qualify for.

How Much Does Insured Nation Auto Insurance Cost?

Exact Insured Nation car insurance rates will depend on factors like:

• Your age, gender, marital status, and driving record
• The type/year/make/model of your vehicle
• Your selected coverage types and limits
• Yourcredit score
• Your residential location
• Any applicable discounts

On average though, you can expect to pay the following range of monthly costs for basic full coverage through Insured Nation and partner carriers:

• Minimum coverage: $100 – $300 per month
• Basic full coverage: $200 – $400 per month
• Standard full coverage: $300 – $600 per month

Newer drivers, drivers with accidents, and those insuring high-value vehicles will fall on the higher end. Clean driving records and usage-based programs can reduce costs.

Comparing personalized Insured Nation quotes alongside competitor rates is the best way to gauge affordability. An independent agent can provide side-by-side rate comparisons.

Pros of Insured Nation Auto Insurance

Here are some of the positives frequently highlighted in Insured Nation reviews:

• Local agents provide personalized service and advice
• Available discounts to help lower premium costs
• Quick claims handling through large national carriers
• Policy bundling options for added discounts
• Positive customer service experiences overall

For Florida drivers who want face-to-face interaction and local expertise, Insured Nation delivers.

Cons of Insured Nation Auto Insurance

Potential downsides to weigh include:

• Mixed reviews depending on specific agent
• Rate hikes at renewal time reported by some customers
• Limited online account access through partner carrier websites
• No mobile app claims filing with most carriers
• Difficulty comparing quotes across different carriers

The dependency on partner insurance companies can create inconsistencies in rates and features.

Top Alternatives to Insured Nation in Florida

It’s smart to compare Insured Nation quotes against competitors like:

• Progressive
• Geico
• State Farm
• USAA
• Travelers
• Allstate

Direct auto insurance carriers may offer a smoother online and app experience. Insurtech options like Root Insurance provide usage-based discounts.

Independent agents are another alternative for exploring quotes from multiple insurers.

Is Insured Nation the Right Auto Insurer for You?

At the end of the day, picking the best auto insurance company comes down to your priorities. Consider cost, customer service, and coverage when evaluating Insured Nation. Collecting free quotes from top insurers ensures you find the optimal rate for your situation. Discuss options with an independent agent to determine if Insured Nation is a good fit.