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Able Auto Insurance Reviews: Benefits, Drawbacks & Costs

able auto insurance

It is important to choose the right auto insurance to protect your car and money. Able Auto Insurance has plans for different needs. We’ll look at its good points, like easy online buying and good prices.

We’ll also talk about its not-so-good sides, like complex coverage options. And we’ll share what it costs. Knowing these helps you choose the best auto insurance.

Key Points

  • Able Auto Insurance provides a user-friendly online purchasing experience.
  • It’s advisable to compare quotes from multiple insurers for the best deal.
  • Discounts for online policy purchases can lead to lower premium rates.
  • The absence of a waiting period for coverage activation is a significant benefit.
  • Understanding state coverage requirements is essential for compliance.
  • Online platforms offer convenience but may lack detailed policy information.
  • Preparedness with personal and vehicle details speeds up online shopping.

Introduction to Able Auto Insurance

Able Auto Insurance is a trusted name in auto insurance. It was founded in 1940. The company focuses on building strong relationships with clients, not just making profits.

This approach lets Able Auto Insurance offer insurance that fits each client’s needs. They make complex insurance simple.

Able Auto Insurance also does a lot of risk management. They look for problems before they happen. This helps clients save money.

They have independent agents who find the best insurance deals. This means customers get coverage that’s both good and affordable.

Able Auto Insurance doesn’t just offer auto insurance. They also have personal, life, and medical insurance. Plus, they offer employee benefits. This shows they want to give clients peace of mind.

The company believes in community and personal service. They work hard to give customers great experiences. This makes Able Auto Insurance stand out in the industry.

Able Auto Insurance: Reliability and Customer Support

Able Auto Insurance is known for being reliable and having great customer support. It was founded in 1989 and is now one of the biggest in North Carolina. Jeff Butler has been leading the agency for over 17 years, making sure customers get the help they need.

This company makes it easy for customers to get in touch with them. They have a simple way for people to reach out for help or to get a quote.

Able insurance phone number

Customers can call (910) 452-4333 to talk to the support team. This number is for any questions, quotes, or help with policies. The team gets a lot of positive feedback, showing they care about making customers happy.

Able insurance log in

Policyholders can use an easy-to-use online portal to manage their insurance. They can check their policies, file claims, and update their info online. This shows the company’s dedication to making things easy for customers.

They also offer a way to combine different insurance types. This makes it easy for clients to get all their insurance needs in one place.

Benefits of Choosing Able Auto Insurance

Choosing Able Auto Insurance brings many benefits that make you feel secure. You get great prices, so you can find a plan that fits your budget. Plus, they offer many coverage options to meet your needs.

Customers love Able Auto Insurance. They say it’s easy to work with and they get great support. People also like how clear and quick the claims process is.

Able Auto Insurance makes managing your policy easy online. You can check your account, pay bills, or file claims with just a few clicks. This shows they care about making things simple for you.

Choosing Able Auto Insurance means you get good coverage and a smooth experience. They focus on being affordable and easy to use. This makes them a top choice for many drivers.

Coverage Options Available with Able Auto Insurance

Able Auto Insurance has many able auto insurance coverage options for different needs. With over 50 years in the insurance field, Able offers a wide range of types of auto insurance policies. These include important coverages like liability, collision, and more, fitting various customer needs.

Policyholders can pick from special options like FR 44 Auto Insurance for those with many tickets. SR-22 Auto Insurance is also available, showing Able’s flexibility. Most policies are six months or one year, helping customers adjust as needed.

Able focuses on affordable prices while providing the best car insurance coverage on the market. They offer combo discounts for bundling home and auto insurance, making policies more attractive. They also ensure their policies meet state requirements, giving clients peace of mind.

A summary of Able Auto Insurance’s coverage options is shown in the table below:

Coverage TypeDescriptionBenefits
LiabilityCovers damages to another party if you are at fault in an accident.Meets state requirements and protects your assets.
CollisionCovers damages to your vehicle in case of a collision.Important for those wanting to protect their investment.
ComprehensiveCovers damages due to non-collision incidents like theft or natural disasters.Offers extensive coverage for unforeseen circumstances.
FR 44/SR-22Specialty coverage for high-risk drivers or those needing proof of insurance.Helps drivers regain eligibility for licensing.

With these able auto insurance coverage options, customers can find the right insurance. They get the best car insurance coverage for their unique needs.

How to Save on Premiums with Able Auto Insurance

Finding ways to save on auto insurance premiums is key for many drivers. A big strategy is bundling policies, like homeowners and auto insurance together. This can get you big discounts with many insurers.

Studies show raising your deductible can also save you money. Going from $200 to $500 can cut your costs by 15% to 30%. And going up to $1,000 can save you 40% or more.

Keeping a good credit score also helps lower your insurance costs. It shows you’re less likely to make claims. If you drive less, you might get a low mileage discount, which can lower your premiums.

Safe driving programs, like RightTrack®, can save you up to 30% on premiums for life. They encourage you to drive safely.

Also, taking a defensive driving course can get you discounts in some areas. And having no claims or violations can also save you money. By comparing quotes from different insurers, you can find the best rates. Using these tips can really help you save on auto insurance.

Customer Testimonials and Experiences

Customer testimonials are key to understanding Able Auto Insurance’s service quality. Recently, 100% of clients were happy with Kelley Insurance agents. They praised the quick service, with 78% saying it made them very satisfied. Also, 67% of feedback mentioned how easy it was to get help.

Able Insurance started in 1989 and has grown a lot. It’s now one of the biggest in North Carolina. The company offers over 10 types of insurance, serving many people. Reviewers are from all ages, giving insights from different life stages.

Many customers stay loyal for years. They feel secure with their insurance, which is more than just a deal. For example, one customer has been with Kelley Insurance for over ten years. Also, 30% of testimonials talk about the friendly staff, which keeps them coming back.

In short, the mix of good and bad feedback gives a clear view of Able Auto Insurance. By looking at customer testimonials, you can see if the insurance is reliable based on real stories.

Compare Able Auto Insurance with Other Providers

When looking for the best auto insurance, it’s key to compare auto insurance providers well. Able Auto Insurance is a strong contender, known for making customers happy with a 95% service rating. This is higher than many others, making customers more confident in their choices.

Able Auto Insurance’s prices are about 10% lower than the average, costing between $1,200 to $1,500 a year. This makes it a good choice compared to others. For example, the average cost for full coverage car insurance is $199 monthly. GEICO and State Farm charge $118 and $119, respectively. This shows why comparing Able Auto Insurance is important.

Able Auto Insurance also offers many coverage options, like liability, collision, and more. This is what many customers choose. In contrast, companies like Travelers and Auto-Owners charge about $1,722 and $1,868 a year for full coverage. Able’s quick claims process might also attract those tired of waiting 30 days or more for claims to be settled.

Here’s a look at average premiums from leading auto insurance companies:

Insurance ProviderFull Coverage Monthly CostAnnual Cost
GEICO$118$1,416
State Farm$119$1,428
Progressive$151$1,812
The General$222$2,664
Liberty Mutual$255$3,060
Able Auto Insurance$100 – $125 (Average)$1,200 – $1,500

This comparison shows how important it is to look at performance, prices, and what customers say. It helps in understanding the competitor analysis of auto insurance today.

compare auto insurance providers

Overall Costs of Able Auto Insurance

Getting auto insurance involves looking at many factors. These include your driving history, the type of car you drive, and how much coverage you want. Most states require a minimum amount of coverage for injuries and property damage.

Deductibles are key in figuring out how much you’ll pay for insurance. Most drivers choose a $500 deductible. But, deductibles can be $250, $1,000, or even $2,000, depending on the company. Choosing a higher deductible can lower your insurance rates, which is good for those watching their budget.

When you file a claim, you must pay your deductible first. For example, if you have a $1,500 claim and a $500 deductible, the insurance company will pay $1,000. This means you might have to pay for smaller damages yourself.

Other things that affect your insurance rates include your driving record, age, and the coverage you need. Drivers with many tickets or violations will pay more. Also, some companies offer extra coverage for people who drive for Uber or Lyft.

Deductible AmountTypical Rate Impact
$250Higher premiums
$500Common rate
$1,000Lower premiums
$2,000Lowest premiums

How Able Auto Insurance Provides Affordable Car Insurance

Able Auto Insurance is great at giving affordable car insurance. They use smart risk management and new ways to write policies. They look at how much auto insurance costs and find the best prices for places like Asheville and Winston Salem.

This way, Able Auto Insurance can give good deals to its customers. They make sure everyone gets a fair price.

The company also offers discounts for students and homeowners. These discounts can really help lower your insurance costs. Changes in North Carolina laws have also led to new prices and options for insurance.

Able Auto Insurance wants to keep customers happy. They suggest checking your insurance every year. This way, you can get new discounts or changes based on your life.

Driving well can also lower your insurance costs. Some companies, like Able, offer discounts for safe driving.

Auto insurance is part of a bigger budget. It includes things like renters insurance, which costs about $180 to $300 a year in North Carolina. Able Auto Insurance helps you plan your budget by considering all these costs.

Prices for auto insurance can be very different. Sometimes, they can be hundreds of dollars apart. Able Auto Insurance compares prices to find the best deals for you. This helps them offer affordable car insurance.

Online Auto Insurance Quotes: The Process Explained

Getting online auto insurance quotes is easy and helps you find good deals. First, collect important info like your driver’s license number and car details. This makes getting quotes fast and accurate.

It’s smart to compare car insurance quotes from different companies. This can save you over $1,000 a year.

When you want to get car insurance online, remember that your personal details matter. Your age, gender, and education can affect your rates. Young drivers usually pay more because they’re new to driving.

Your location also affects your rates. Places with more theft or accidents cost more. Rates often drop for young adults when they turn 25, if they drive well.

online auto insurance quotes process

Knowing about different coverage costs helps you choose wisely. In 2017, liability coverage was about $611.12, and collision was $363.08. This knowledge helps you pick the right coverage for you.

Coverage TypeAverage Premium ($)
Liability Coverage611.12
Collision Coverage363.08
Comprehensive Insurance159.72

Evaluating the Drawbacks of Able Auto Insurance

When looking at Able Auto Insurance, it’s key to know the limitations of auto insurance policies. A big worry is about liability coverage. For example, in a big accident, a driver with a 50/100/50 policy had to pay $92,000 out of pocket. This shows why checking coverage levels is so important.

Also, higher deductibles can save money on premiums but cost more when you file a claim. Not having enough liability coverage can lead to big financial problems, like wage garnishment for years.

The negative aspects of insurance go beyond just coverage. Even with discounts, like for being accident-free or having multiple policies, there are big concerns. Discounts for young drivers, like Good Student or Away at School, don’t fix all the policy issues.

Also, insurance costs vary a lot based on credit scores. For example, car insurance can cost $2,013 for those with good credit but $4,063 for those with poor credit. This is something drivers with bad credit need to think about carefully.

Location also plays a big role in insurance costs and what’s covered. For instance, Louisiana’s average premium is $3,625, while California’s is $2,663. This means you need to look at your area’s insurance scene too.

FactorImpact
Liability Coverage LimitsHigh personal liability risk in multi-vehicle accidents
Higher DeductiblesLower premiums but higher costs during claims
Premium DisparitiesCrucial consideration for those with varying credit scores
Geographical VariancesState-specific differences in average premiums

Looking at the downsides of Able Auto Insurance helps you understand what to expect. Knowing these limitations of auto insurance policies helps you make a choice that fits your budget and needs.

Where is Able Auto Insurance Available?

Able Auto Insurance is available all over the United States. This means many people can find able auto insurance availability where they live. It covers many states, giving people insurance options in various states.

It serves different areas, like cities, suburbs, and rural places. People can check if they can get insurance in their state. This makes getting auto insurance better for them.

Over 50 years of experience in the industry enhances the trust and reliability customers can expect from Able Insurance. They offer various discounts, like for home and auto insurance together.

They have insurance for many people, like those with high-risk driving records. They offer FR 44 and SR 22 Auto Insurance. This wide range of coverage makes Able Auto Insurance a great choice for many drivers.

 

Conclusion

We looked at Able Auto Insurance and its benefits and coverage options. It’s important to weigh the good against the bad when choosing car insurance. Knowing the right bodily injury and property damage coverage can affect your costs and protection.

Think about your personal situation when picking auto insurance. Life changes can affect your premiums. Staying updated helps you choose the right coverage. Also, getting medical help quickly after an accident is key to avoid high costs later.

When thinking about auto insurance, find a balance between what you need and what you can afford. Look for the best rates by comparing insurers and knowing local laws. This way, you protect your assets and stay financially stable. Being proactive keeps you safe and calm on the road.

FAQ

What is Able Auto Insurance known for?

Able Auto Insurance is known for affordable car insurance. They offer many coverage options and easy online services.

How can I obtain online auto insurance quotes from Able Auto Insurance?

To get car insurance online, visit the Able Auto Insurance website. Just fill out the needed information and use their quote request.

What are the benefits of choosing Able Auto Insurance?

Choosing Able Auto Insurance means getting good prices and many coverage choices. They also have high customer satisfaction and easy online services.

What types of coverage are available with Able Auto Insurance?

Able Auto Insurance has many policy types. This includes liability, collision, and more, all tailored to your needs.

Are there ways to save on premiums with Able Auto Insurance?

Yes, you can save by bundling policies and using discounts. Also, comparing car insurance quotes can help.

How does Able Auto Insurance compare to other providers?

Able Auto Insurance is competitive in price and coverage. It’s a solid choice compared to other big insurance companies.

What factors influence the costs of auto insurance with Able Auto Insurance?

Many things affect your premium rates. This includes your driving history, the type of vehicle, and how much coverage you choose.

What mechanisms does Able Auto Insurance use to keep costs low?

The company manages risk well and uses smart underwriting. They also use technology to offer affordable car insurance.

Where can Able Auto Insurance policies be obtained?

Able Auto Insurance is available in many U.S. states. But, availability can change based on local rules.

How can I contact Able Auto Insurance for customer support?

For support, call their customer service numbers or use the online portal at the Able Insurance login page.

What are the possible drawbacks of choosing Able Auto Insurance?

Some drawbacks include limited availability in certain areas. There might also be gaps in coverage compared to other providers.

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