Scottsdale Insurance Review & Complaints: Commercial & Home Insurance

Looking for information about Scottsdale Insurance Company?

Most of the time, searching for the best auto coverage for your needs would mean hours of research, long phone calls, and hours of internet searches. Imagine, instead, if you had all the information you needed in one easy guide.

That’s exactly what we have put together here for you. In this Scottsdale Insurance Review, we will look at and analyze all the information related to the Scottsdale Insurance Company, including Scottsdale Insurance complaints, to give you a better idea of the options available to you.

For four decades, Scottsdale Insurance has been writing property & casualty products, mainly in the commercial arena. A part of Nationwide Insurance’s group of companies, they come with a strong financial backing and an unusual mix of products including pet insurance.

Who owns Scottsdale Insurance Company?

Scottsdale Insurance’s parent company is Nationwide Insurance, which announced in 2014 plans to bring all of their companies under the Nationwide name, and drop all previous names and logos. In January 2016, the company completed its rebrand of Scottsdale Insurance.

Scottsdale Insurance is a part of the E & S Specialty Team of the Nationwide Mutual Insurance Company.

What is E & S Insurance? This stands for Excess and Surplus Insurance. It is a specialty market that insures things standard carriers won’t cover. This branch of Nationwide was created in 1982.

The Nationwide Mutual Insurance company writes policies under all of the following company names:

• Western Heritage Insurance Company
• Scottsdale Surplus Lines Insurance Company
• Scottsdale Insurance Company
• Scottsdale Indemnity Company
• National Casualty Company
• Freedom Specialty Insurance Company

This auto insurance review will look at operations through both the Scottsdale entity and its parent company, Nationwide.

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Scottsdale Insurance Car Insurance Rates

Since Scottsdale does not offer online quoting and their products are heavily weighted towards commercial lines, it’s difficult to obtain any sort of price comparison.

For personal lines, the lack of bundling discounts such as auto and home – and the added cost of agent commissions – means that Scottsdale is unlikely to be a major competitor price-wise. This is especially true when compared to major direct-buy insurance companies.

Because commercial policies vary so widely, general price comparisons are very difficult to provide.

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.

These are just guidelines. Actual rates will depend on a variety of factors such as age, driving history, auto theft rates in your area, and ZIP code.

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 Scottsdale Insurance availability by state?

Scottsdale Insurance was founded in 1982 in Scottsdale, Arizona, as the name indicates. The company grew quickly, exceeding expectations, and moved on to acquiring additional companies in states like New York, Minnesota, and California. Today the company writes business in all 50 states and has many subsidiary companies.

The company also has locations in other areas such as Scottsdale Insurance of Florida and Scottsdale Insurance of Columbus, Ohio.

Is Scottsdale Insurance a part of Nationwide?

Yes, it is, meaning they carry many of the same benefits as Nationwide insurance.

Chances are, no matter where you are in the United States, Scottsdale Insurance and its parent company, the Nationwide Mutual Insurance Company, have you covered.

Scottsdale Insurance Car Insurance Coverages Offered

One thing you’ll need to ask yourself before purchasing your auto insurance policy is, “How much 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.

If you decide that you need more than the minimum coverage required by the 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 coverage available to you, along with what they do.

Again, these are just guidelines and actual prices will vary so it is always wise to do a little comparison shopping for your auto policy before purchasing.

What are Scottsdale 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 5% to 25% 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% multi-car discount on combined policies.

What are discounts offered by Scottsdale Insurance?

Generally, your auto insurance discount options through the company 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.

As you can see, it is always best to check with your insurance provider to see what insurance discounts are available to you.

What programs are available from Scottsdale Insurance?

As previously mentioned, Scottsdale’s focus is largely on commercial insurance, covering a variety of business needs. They also provide coverage to public entities.

Scottsdale products are sold through agents, and the vast majority of them are commercial products. On the personal lines side, Scottsdale writes a variety of home insurance policies and liability options, and they are also the owner of the pet health insurance company Veterinary Pet Insurance (VPI).

Take a look at the table below to see the programs offered through Scottsdale Insurance.

Keep reading to learn more.

Canceling Your Scottsdale 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 are entitled to a refund of any policy premiums you have 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 a Scottsdale Insurance Car Insurance Claim

Through Scottsdale Insurance, policyholders can either report their auto insurance claims by telephone or through the website.

If you are filing your claim on the website, you should have:

• Your policy number
• Information regarding the accident (time, place, and date)
• Names and numbers of other parties involved
• Details of the accident
• Police report information

It takes approximately five to ten minutes to report the claim online. The site even provides a claim entry overview in video form for further explanation on filing a claim.

Online claims reporting is available for property, general liability, auto/transportation, and professional liability.

Some claims for subsidiary companies such as VPI are submitted through alternate means, as the companies have their own claims program.

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 Scottsdale Insurance.

Scottsdale Insurance: Car Insurance Ratings

Is Scottdale Insurance Company an admitted carrier?

Nationwide E & S group actually works through both admitted and non-admitted carriers.

What is the Scottsdale Insurance Company rating?

Nationwide is considered to be one of the largest insurance companies in the United States. The Scottsdale Insurance Company AM Best rating is an A+ and they also have an A rating with Standard & Poor’s.

Scottsdale Insurance receives the same ratings as Nationwide is their parent company.

At the time of this review BBB information was not available for Scottsdale Insurance. The BBB is in the process of updating information on all Nationwide companies. As a result, there is no rating or complaints information available at the time of this review.

Nationwide, Scottsdale’s parent company, has been accredited with the BBB since 1955 and holds an A+ rating.

However, there were a handful of reviews of Scottsdale around the Internet. The majority of which cite a failure to answer phones or provide communication to the injured party when a Scottsdale insured appears to have been at fault.

In fact, the majority of reviews are from people who were not actually insured by Scottsdale, but dealt with them on a claim. It’s difficult to find much in the way of actual customer commentary.

More information on the company can also be found on the Scottsdale Insurance Company Wiki or the Scottsdale Insurance Company Bloomberg report.

Scottsdale Insurance Company NAIC reports can also be found on the website for the National Association of Insurance Commissioners. The NAIC also provides information on Scottsdale Insurance Company loss runs as well as the Scottsdale Insurance Company’s state of incorporation.

As far as the personal lines products from Scottsdale, at the time of this review there were no complaints or comments relating to individual property & casualty, with most complaints focusing on commercial auto claims.

The Bottom Line

Scottsdale Insurance may be a good choice for businesses seeking policies such as commercial transportation and business liability. The lack of reviews directly from customers makes it hard, however, to tell what the policyholder experience is with their service and claims.

They do offer some specific and unusual products that could bump them to the front of the line if your business needs fall within those particular areas.

Due to the lack of information both on products and pricing, it’s difficult to recommend Scottsdale for personal property & casualty coverage. Most individuals will likely find a better price elsewhere, along with the option to bundle auto and home together.

Now that you know everything you need to know about Scottsdale Insurance, we hope that you’ll feel more confident in purchasing your policy.

Which part of this guide was the most helpful for you?

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