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Acceptance primarily offers non-standard or high-risk auto policies. Like many high-risk companies, it offers lower-cost policies to standard-risk drivers as a way to balance its risk pool. The company also caters to a variety of high-risk drivers, including teenagers, seniors and people with bad credit, making it accessible to those who might not otherwise be able to obtain coverage.
The main product offered by Acceptance is auto insurance. There are two types of policy bundles available. The first is a bare-bones basic liability package that covers a vehicle at the state-mandated minimums for property damage and bodily injury liability. The second is a full-coverage policy including comprehensive and collision coverage. In states where uninsured motorist coverage is required, Acceptance can add that to a policy as well.
Depending on your state and specific situation, you may be able to purchase more than auto insurance through Acceptance. In some areas, the company offers several other products:
- Renter’s insurance to protect the personal belongings of apartment dwellers and others who rent their homes.
- Motorcycle insurance for both standard and non-standard drivers. Like auto insurance, the motorcycle policies can be either liability-only or include first-party coverages. Discounts are available for drivers who have completed safety certification courses and for military members.
- Roadside assistance for towing, jump-starts, flat tire repair and more. This can be added to an auto or motorcycle policy.
- Hospital benefits. In some states, you can purchase this supplemental health insurance policy to help fill in the gaps of coverage for hospitalizations, including protection for accidental death and dismemberment.
You can obtain a quote over the phone at 1-877-405-7102 or by entering your zip code and filling out an online quote form.
The quote form is fast and easy to fill out, requiring minimal information and loading quickly. You will need to provide your social security and driver’s license number obtain the quote, since the company will complete a background check and credit report. If you are uncomfortable with submitting that information over the Internet, you’ll be better off calling the number for quotes or by finding a local agent’s office.
You can file an Acceptance claim through your local agent’s office or by calling 800-779-2103 between 7am and 6pm Monday through Friday CST or 8am to 5pm on Saturday. The claims office is closed on Sundays and in the evenings.
If you don’t want to call in the claim, you can also send an email with the relevant details to NewClaims@AcceptanceInsurance.com, or ExistingClaims@AcceptanceInsurance.com although it’s probably best to avoid putting personal information in an email. There is no secure claims form on the Acceptance website.
Regardless of how the claim is filed, you’ll need to provide the same basic information to the company, including your policy information, contact info for others involved in the accident, and a description of what happened.
First Acceptance has been accredited with the Better Business Bureau since 1998 and has an “A-” rating with them. The BBB website lists 31 complaints as having closed in the past year. The BBB website also lists a total of 293 complaints 229 of them regarding problems with product/service.
Many of the consumer complaints against the company found online seem consistent with what you can expect from any company, like disputes over OEM parts, liability decisions, or customer service. There doesn’t seem to be any major recurring issues that raise a red flag.
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As far as high-risk auto insurance goes, Acceptance seems like a solid choice. Their website is well-designed and easy to navigate. They offer a variety of coverage options, and dedicated agents give you a solid link to the company. Of course, if you can obtain standard-risk insurance, you’ll likely be better off getting a quote through a more mainstream policy, but high-risk drivers in the states not covered by Acceptance Auto Insurance might want to take a look at this company.
For a list of companies that we recommend, visit our Best Insurance Companies page.