Southern Trust Insurance Company Reviews: Everything You Need To Know

Southern Trust Insurance Company is a regional auto insurance provider based in Macon, Georgia. The company has been in business since 1968 and currently operates in Georgia, Alabama, South Carolina, and Tennessee.

But how do current and former Southern Trust Insurance customers feel about this insurance provider? In this comprehensive guide, we’ll dive into Southern Trust Insurance reviews, ratings, coverage options, and more to help you make an informed insurance decision.

Overview of Southern Trust Insurance Reviews

On popular review sites like BBB and Clearsurance, Southern Trust Insurance reviews are mixed. The company holds an A+ rating with BBB but only a 3.4-star average rating based on 5 Clearsurance reviews.

Positive Southern Trust Insurance reviews highlight good customer service and affordable rates. However, negative reviews cite slow claim processing, denied claims, and poor experiences working with agents as downsides.

Here’s a quick overview of Southern Trust Insurance pros and cons based on online reviews:

Southern Trust Insurance Pros

  • Affordable premiums
  • Good customer service
  • Range of discounts available

Southern Trust Insurance Cons

  • Slow claim processing times
  • Claims denied frequently
  • Mixed experiences with local agents

To get a better sense of the customer experience with Southern Trust Insurance, let’s take a closer look at ratings, complaints, and reviews from BBB and Clearsurance.

Southern Trust Insurance BBB Rating

On BBB, Southern Trust Insurance Company currently holds an A+ rating. The BBB calculates ratings based on factors like the volume of complaints, transparency, and timeliness responding to complaints.

BBB notes that Southern Trust Insurance has been accredited since 2023. The company has been in business for 55 years.

Southern Trust Insurance BBB Complaints

BBB lists 2 closed complaints against Southern Trust Insurance in the last 3 years, with 1 complaint closed in the past 12 months. Complaints on BBB cite:

  • Delayed claim payments
  • Incorrect policy information provided by agents

According to BBB, Southern Trust Insurance responded to complaints in a timely manner. However, in some cases, customers remained dissatisfied with the resolution.

The small number of complaints is a positive sign for a regional company of this size. However, potential customers should keep in mind that BBB only shows filed complaints. There may be other customers with negative experiences who did not go through the BBB complaints process.

Southern Trust Insurance Clearsurance Reviews

On Clearsurance, Southern Trust Insurance currently has a 3.4-star rating based on 5 reviews. Here’s an overview of the positive and negative feedback from Clearsurance customers:

Positive Clearsurance Reviews

  • Affordable rates and discounts available (2 reviews)
  • Smooth online quote and signup process (1 review)

Negative Clearsurance Reviews

  • Extremely slow claim processing and difficulty getting status updates (2 reviews)
  • Claims denied over minor technicalities (1 review)
  • Rude and unhelpful agents (1 review)

The negative Southern Trust Insurance reviews on Clearsurance focus on poor claims handling experiences. Multiple customers report waiting 30+ days to get claim payments, even after their car repairs were completed. Others say Southern Trust Insurance denied legitimate claims over minor discrepancies.

Some of the positive reviews highlight the affordable premiums offered by Southern Trust Insurance. However, customers praise the initial quote and signup process rather than long-term customer service.

Common Complaints in Southern Trust Insurance Reviews

Looking at BBB and independent reviews together, we can pinpoint the most common complaints about Southern Trust Insurance:

Delayed claim payments – Multiple reviews cite waiting weeks or months to get claim checks, even after repairs were done. This delay forces customers to pay out of pocket for rental cars and repairs.

Denied claims – Some reviews report legitimate claims getting denied for minor inconsistencies or technicalities. Reasons cited include minor differences in damage estimates from different auto shops.

Poor communication – Customers say it’s difficult to get status updates on claims from Southern Trust Insurance. The company has also provided incorrect information about coverage to some clients.

Local agent problems – While some reviews praise Southern Trust Insurance agents, others report unprofessional, unresponsive, or unknowledgeable agents. Experiences seem to vary widely by location.

Rate hikes after claims – A common complaint is Southern Trust Insurance drastically increasing premiums after just one minor claim. This makes the affordable rates much less appealing.

While positive reviews highlight low upfront costs with Southern Trust Insurance, negative feedback focuses on the claims and customer service experience. If you’re considering Southern Trust Insurance, pay close attention to how they handle claims based on reviews.

Southern Trust Insurance Coverage Options

Southern Trust Insurance offers a range of auto, motorcycle, home, renters, and business insurance options across the states where it operates.

Here are some of the most common coverages provided by Southern Trust Insurance:

  • Auto insurance – Southern Trust Insurance offers standard auto coverage like liability, collision, comprehensive, uninsured motorist, and medical payments. Additional coverage like rental reimbursement and roadside assistance is available.

  • Homeowners insurance – Standard homeowners insurance is available from Southern Trust Insurance, including options that cover your dwelling, other structures, personal property, and liability. Discounts like multi-policy discounts may apply.

  • Renters insurance – Southern Trust Insurance provides renters insurance to cover your personal property from things like theft, fire, and water damage. Liability protection is also included. Discounts for bundling renters and auto policies.

  • Motorcycle insurance – Available motorcycle coverages include liability, collision, comprehensive, uninsured motorist coverage, medical payments, and more. You can also add accessories coverage.

  • Business insurance – Southern Trust Insurance can cover small and mid-size businesses with options like commercial auto, general liability, property, workers’ compensation, commercial umbrella, and business owner’s policies.

Keep in mind that specific options, discounts, and add-ons may vary by state with Southern Trust Insurance. Be sure to get a detailed quote for coverage options in your location.

Southern Trust Insurance Discounts

Southern Trust Insurance offers a range of common auto insurance discounts that can potentially lower your premiums. However, discounts and eligibility rules vary by state.

Here are some of the Southern Trust Insurance discounts reported by customers on review sites:

  • Multi-car discount
  • Multi-policy discount
  • Safe driver discount
  • Good student discount
  • Defensive driver discount
  • Mature driver discount
  • Paid-in-full discount

The company may also offer additional discounts that are not widely reported in reviews. To find out what discounts you may qualify for, get a free Southern Trust Insurance quote online or speak with an agent.

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