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All Star General Insurance Review & Complaints: Auto Insurance

All Star General Insurance was founded in 2011 as Personable Insurance and is now part of the Bluefire Insurance Family. The company specializes in policies for high-risk drivers in California and has an F rating with the Better Business Bureau (BBB). To begin comparison shopping for great auto insurance rates from top car insurance companies in your area, enter your ZIP code.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Sep 16, 2020

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All Star General Insurance (Personable Insurance) Review
All Star General Insurance
Summary Statistics
Details
Year founded2011
Current executivesPresident & Ceo - Andrew Swindall
Number of employeesLess than 50
Totals salesApproximately $10 million annually
Headquarters addressPO Box 143249
Irving, TX 75014-3249
Phone number1-800-202-7827
Company websitehttp://www.allstargeneral.com
Best forHigh-risk drivers who have need non-standard coverage
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This All Star General Insurance (Personable Insurance) review will provide all the information you need about the company so you can make a more informed decision about the best car insurance coverage for you.

Formerly known as Personable Insurance, All Star General Insurance Agency is a non-standard auto insurance provider. The organization works with partner companies to provide coverage for drivers in California. All Star operates solely in the non-standard auto insurance market, assisting drivers with problematic driving records, bad credit, SR-22s, and other needs that place them in the non-standard market.

All Star Insurance Company is now a part of the Bluefire Insurance Family. Its headquarters is located in Irving, TX.

Ready to compare your current affordable All Star General Insurance (Personable Insurance) rates to other top auto insurance companies? Before jumping into this All Star General Insurance (Personable Insurance) review, start your search for the best auto insurance rates by entering your ZIP code above.

All Star General Insurance Car Insurance Rates

The All Star website does not feature online quoting and there are no resources to help visitors find a local agent. This means there is no information on All Star Insurance quotes available online.

As a non-standard insurance company, we would expect the rates here to be high, especially when compared to standard insurers. Odds are good that this company sells a lot of base-level, liability-only policies with the sole goal of meeting state legal requirements.

While the price isn’t always the deciding factor when it comes to choosing an auto insurance policy, it’s usually one of the most important. You can look at the table below to get an idea of what you might pay for auto insurance depending on how much coverage you decide to buy.

The table shows average annual rates based on coverage levels.

Average Annual Auto Insurance Rates by Coverage Type
Coverage TypesAverage Annual Rates
Comprehensive$150.36
Collision$299.73
Liability$516.39
Full$954.99
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These are just guidelines. Actual rates will depend on a variety of factors such as your age, driving history, and even the crime rates in your neighborhood. If you’d like to check out the crime rates where you live, you can visit the online database for the Federal Bureau of Investigations (FBI).

Keep reading to learn more.

What is All Star General Insurance availability by state?

Although All Star General Insurance is located in Texas, the company provides auto insurance coverage only in the state of California.

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All Star General Insurance Car Insurance Coverages Offered

One thing you’ll need to ask yourself before purchasing your auto insurance policy is, “How much car insurance coverage do I need?” Watch the video below to get a better idea of the different types of car insurance coverage and what each one does.

If you’re financing your vehicle, your loan company may require you to carry full coverage insurance. Otherwise, you’ll need at least the minimum amount of liability insurance required by the auto insurance laws in your state of residence, such as California.

If you decide that you need more than the minimum coverage required by your state, there are several different options available to you as additional coverage. Take a look at the table below to get an idea of the different types of auto policies and coverages available to you, along with what they do.

Types of Auto Insurance Coverage
Insurance Coverage TypesWhat It Covers
Bodily injury liabilityPart of your liability coverage that pays for medical bills if you've injured someone else in an automobile accident
CollisionCovers damage to your car after an automobile accident
ComprehensiveCovers damage to your car that happens when you're not driving
Personal injury protectionCovers medical expenses for you or your passengers after an automobile accident
Property damage liabilityThe other part of liability coverage that covers the cost of any property damage you've caused in an automobile accident
Uninsured/underinsured motoristCovers the costs if you're in an automobile accident caused by a driver with little or no car insurance
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Again, these are just guidelines and actual prices will vary, so it’s always wise to compare car insurance coverages and companies before purchasing.

What are All Star General Insurance’s bundling options?

Many insurance providers offer different bundling options. Bundling your insurance refers to purchasing multiple policies from the same company.

For example, you can purchase your auto insurance policy as well as your life insurance from the same company if you choose. Most insurance companies offer a discount of anywhere from five to 25 percent if you choose to bundle.

Check out the video below to learn about the pros and cons of bundling your insurance policies.

Many companies offer multi-car discounts, also. You can think of this as a way of bundling as well, but in this case, you’re buying auto insurance for multiple vehicles.

Auto insurance companies offer up to a 25 percent multi-car discount on combined policies.

What are discounts offered by All Star General Insurance?

Generally, your car insurance discounts depend on what each provider has to offer, but many discounts are standard throughout the industry.

The table below shows some of the most common auto insurance discounts available, an estimate of how much money each can save you, as well as the major auto insurance companies that offer the discount.

Common Auto Insurance Discounts Offered by Company
Discount TypesDiscount SavingsCompanies Offering Discount
Low mileage/Low usage discountUp to 20%State Farm, Allstate, Travelers, Nationwide, Progressive
Defensive driving discount10%–15%State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Farmers
Safe driver discount10%State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Liberty Mutual
Military and federal employee discount8%–15%Geico, Esurance, USAA
Good student discount5%–25%State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Liberty Mutual
Senior/Mature driver discount5%–10%Geico, Allstate, Liberty Mutual
Homeowner discount3%State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Farmers
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As you can see, it’s always best to check with your insurance provider to see what insurance discounts are available to you.

What programs are available from All Star General Insurance?

All Star specializes in providing basic insurance policies to high-risk drivers with multiple tickets, accidents, major violations, credit problems, international drivers licenses, and more.

While many drivers seeking non-standard auto insurance choose to purchase basic liability insurance coverage, All Star does offer comprehensive coverage and collision coverage options as well as a few other add-ons.

These include roadside assistance and rental reimbursement, according to what we gleaned from customer reviews. The website, as mentioned above, is dedicated to bringing new agents and brokers on board to sell All Star’s products. As such, it provides very little information that is of any help to the average insurance shopper.

In fact, the website does not even direct visitors to any option for finding a local agent.

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Canceling Your All Star General Insurance Car Insurance Policy

What should you do if you need to cancel your policy? Watch the video below to get an idea of what to expect should you need to cancel your auto insurance policy.

Keep reading to learn more.

Is there a refund?

Whether you can get a refund on your policy depends on the type of policy and when you choose to cancel. If you choose to cancel a refundable policy in the middle of the policy cycle, you’ll receive roughly half of what you paid, assuming that you only paid for that cycle.

Since refund amounts may vary and depend on a variety of factors, you should always check with your insurance agent to see what factors apply to you.

How do you cancel?

What should you do if you need to cancel your policy? You can cancel your policy at any time simply by contacting your auto insurance agent and letting them know that you’d like to cancel your policy. Your agent will let you know when the changes will take effect and whether or not you’re entitled to a refund of any policy premiums you’ve paid in.

When can I cancel?

You can cancel your policy at any time simply by contacting your auto insurance agent and letting them know that you’d like to cancel your policy. Your insurance provider will let you know what, if anything, is required of you in order to do so.

How to Make an All Star General Insurance Car Insurance Claim

The only claims information on the All Star website is listed on the “Contact Us” page of the website; there is no section of the site dedicated to All Star General Insurance claims.

The All Star Insurance LLC Claims Department can be reached using any of the following methods:

  • By mail: P.O. Box 141149, Irving, TX 75014
  • By telephone: All Star General Insurance/Personable Insurance Company phone number: 1- 800-299-5709
  • By fax: 714-509-5606

The website offers no information as to the business hours for the phone and fax lines. The Bluefire Insurance claims phone number is the same as above.

All Star General Insurance/Bluefire Customer Service can be reached at 1-800-202-7827. This is also the All Star General Insurance roadside assistance phone number.

Watch the video below about insurance claims to get an idea of what you can expect during the claims process.

Keep reading to learn more about All Star General Insurance.

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All Star General Insurance: Car Insurance Ratings

All Star General Insurance reviews and Bluefire Insurance reviews are, in a word, dismal. Both All Star General Insurance Inc. and the Bluefire Insurance Company hold the lowest possible Better Business Bureau (BBB) rating, an F, with 11 complaints on file for the past three years.

Of those complaints, one was not resolved and two were never responded to by the company. This lack of response has resulted in the low rating. The 18 reviews on Yelp are all scathing, one-star complaints. Reviewers report poor customer service and changes made to policies without notice, as well as denied claims.

All Star still operates its Facebook page under the Personable Insurance name, and there are 11 reviews on that page for an overall 2.1-star review.

The Bottom Line

Finding non-standard insurance can be difficult, but the market is growing and there are companies with much better reputations than All Star/Personable out there.

Based on the lack of information and highly producer-centric website, along with the poor ratings and reviews, we suggest drivers who need non-standard auto insurance look elsewhere. The company’s website acts as more of an agent login for Bluefire Insurance, formerly Personable Insurance, than anything else.

We hope you know everything you need to know about All Star General Insurance company and you’ll feel more confident in purchasing your policy. Which part of this guide was the most helpful for you?

Looking to buy All Star General Insurance (Personable Insurance)? Now that you’ve finished this All Star General Insurance (Personable Insurance) review, enter your ZIP code below and start comparing your current All Star General Insurance (Personable Insurance) quotes to FREE affordable auto insurance quotes from top companies now.

Frequently Asked Questions: All Star General Insurance (Personable Insurance)

In this section, we answer some of the most commonly asked questions about All Star General Insurance. Some of the answers may have been covered in part or in full in the guide above.

#1 – Does All Star General Insurance offer SR-22 insurance?

Not only does All Star General insurance offer SR-22 insurance, it’s actually one of the areas they specialize in. If you’ve had more than your fair share of traffic citations, automobile accidents, and/or auto insurance claims, you may be considered a high-risk driver.

Normally, high-risk drivers are required to purchase SR-22 insurance, which isn’t available through all companies, so it may take some looking around to find coverage.

The filing fee to get SR-22 insurance is only $15-$35, but the increase in rates for SR-22 insurance when compared to rates for drivers without any driving violations on their records is steep. Rate increases for driving violations that result in a driver being forced to carry SR-22 insurance can be as much as $541 per month.

#2 – Why would my provider cancel my auto insurance policy?

Your auto insurance provider may cancel your policy if you do any of the following:

  • Get your driver’s license suspended or revoked
  • Lie during the application process
  • Fail to pay your auto insurance premium

Your auto insurance company may also choose not to renew your policy if they determine you to be a high-risk driver. Since All Star specializes in high-risk insurance, this would most likely not be the case with this particular company.

#3 – What kinds of questions should I be prepared for when purchasing my auto insurance policy?

When you apply for an auto insurance policy, you’ll be asked a series of demographic questions such as your name, age, sex, etc. You’ll also be asked a variety of other questions aimed at assessing your risk as a driver.

Some of the things the insurance company will want to know about are your financial background, the type of vehicle you’re insuring, and whether or not you’ve had any tickets or accidents in the past.

Once this information is collected, the insurance company uses this data to assess your risk as a driver and to determine your policy rates. This is known as the underwriting process.

By using this method of risk evaluation, auto insurance companies are able to reduce their chances of losing money on issued policies. Through this process, the insurer can determine your risk factors and decide if they want to insure you, and if so, at what rate.

#4 – Are there benefits to using an agent to purchase auto insurance?

While it’s possible to purchase your auto insurance policy directly from the insurance company instead of through an agent, there are some possible downsides to doing so.

First of all, if you choose to go with a local agent, you will get the advantage of more personalized service. This experience is just not possible when you purchase directly from a large company. With a local agent, you may even speak to the same person about your policy every time.

Many people believe that buying directly from the company can save them money by cutting out the figurative “middleman,” but this theory fails to take into account the amount of money these companies spend on direct marketing.

That can even out the playing field, meaning that a local agent can often offer you the same price you’d get buying directly from the company.

#5 – How does adding drivers to my auto insurance policy affect my rates?

Adding another driver to your auto insurance policy means that your car will be spending more time on the road, as multiple people will be driving it.

That alone is enough to raise your rates, but adding someone else to your auto insurance policy also means that your rates will be affected by that driver’s perceived risk, as well.

For example, adding a teenager to your policy can raise your auto insurance rates drastically since teenage drivers are inexperienced and auto insurance companies see them as high-risk drivers, whereas adding your spouse might not raise your rates quite as much.

There are restrictions as to who you can add to your auto insurance policy. Most companies will only allow you to add people in the same household to your policy. Always talk to your insurance provider about adding new drivers, as a claim filed involving a driver that isn’t on your policy will likely be denied.

References:

  1. https://www.fbi.gov/news/pressrel/press-releases/fbi-releases-2018-crime-statistics
  2. https://www.consumerfinance.gov/consumer-tools/auto-loans/
  3. https://www.bbb.org/us/ca/huntington-beach/profile/insurance-agency/bluefire-insurance-1126-172003629
Summary
Review Date
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Personable Insurance

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

1 Comment

  1. Eric Stauffer, thanks for the article post. Really thank you! Great.

    Reply

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