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Affirmative Insurance Services Summary
Affirmative Insurance Services is a managing general agency that produces, markets, and provides administrative support for several insurance brands. Policies are sold through independent agencies in California, Texas, Louisiana, Alabama, Missouri, Indiana, and Illinois. The corporate headquarters are in Addison, Texas, with data processing centers located in Dallas and Chicago.
Different policies are available in different states, but the overall focus of the company is automotive insurance for non-standard drivers whose risk factors make it difficult to secure preferred or even standard rates.
Affirmative markets products for a variety of companies, but it only sells automobile policies. Since each state has a different set of rules for automobile coverage, Affirmative’s available policies will vary from state to state depending on the underwriting companies licensed for the state.
Although it typically relates to driving record, non-standard auto insurance may be necessary for high-powered sports cars or custom-built cars considered to be high risk vehicles. Generally an Affirmative agent will be able to write a policy for an insured based on the customer’s preferences for coverage.
Companies/underwriters available include Old American, Insura, Affirmative Standard, Affirmative Select, and Carnegie General and SCJ Insurance (underwriters).
Affirmative Insurance of Michigan has notified the state it will no longer write new or renewal policies and is in the process of non-renewing all business.
Individuals can request a quote online. The process does not yield an instant quote, but the request is directed to the agent nearest the zip code. Customers may also search for independent agents by zip code and then contact the agency directly.
Claims can be initiated through the agent or online here. There is very little information available on their website about the claim process, but once a claim is submitted you can expect to be contacted by a representative that will walk you through the rest of the process.
Cumulatively, Affirmative Insurance Holdings (parent holding company for auto insurance) and Affirmative Services (the servicing company for claims) had a combined total of 21 complaints in the last three years, three complaints were closed within the last 12 months.
Neither entity is accredited with the Better Business Bureau. Affirmative Insurance Holdings has an F on the BBB.
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Affirmative specializes in high-risk drivers, which makes them a niche insurance company. Those who are need of SR-22 or some other form of coverage that caters to this demographic may want to take a look at Affirmative.
Drivers with good records or those looking for multi-line policies are probably not going to get what they are after for a reasonable price. High-risk specialty insurance companies use different underwriting processes that produces a higher rate for preferred risk drivers. Those with good records should stick with a traditional insurance company.
For a list of companies that we recommend, visit our Best Insurance Companies page.