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Acceptance Auto Insurance

19 Oct

High-risk auto drivers — you’re covered!
High-performance sports car owners — you’re covered!
Recreational vehicle owners – you’re covered!

How are you covered? With Acceptance Auto Insurance.

Who is “Acceptance Auto Insurance”?

Acceptance Auto Insurance covers drivers who do not fall within the standard-risk category guidelines.

Who qualifies as a “high-risk” driver?

If you answer “yes” to one or more of the following scenarios, you are probably a “high-risk” driver:

Single, (*male or female) between the ages of 16 – 24
Two or more moving traffic violations
DUI/DWI
Bad or poor credit
Prior auto claims history
Currently not insured or if there have been lapses of insurance coverage
License has been revoked which requires an SR-22 policy
70+ older

*Premiums for young, unmarried males generally are higher than for females in the same age group.

How do I obtain a quote from Acceptance Auto Insurance?

Generally, you could apply over the internet. However, Acceptance Auto Insurance is somewhat web-limited, so your best bet is to visit a local insurance broker. More than likely, they can obtain a high risk auto insurance quote from Acceptance Auto Insurance company.

This, however, could work to your advantage. If an agent is actually assisting you, this could give you an opportunity to explain what the circumstances were that caused you to be labeled as a high-risk driver. Your agent could also give you advice on things you can do to begin lowering your insurance premium.

Is Acceptance Auto Insurance my best option for coverage as a high-risk driver?

Acceptance Auto Insurance is one of the leading insurance companies that will cover high-risk drivers, regardless of the reason. However, because insurance is such a competitive market, it is still to your advantage to shop around. Your insurance agent can do this if he or she handles multiple lines of insurance companies. You can also use the internet to do some comparative shopping. Do your research to be sure you are getting the lowest cost for the most coverage.

Will Acceptance Auto Insurance cover me if I need an SR-22?

Yes. Acceptance Auto Insurance can provide insurance coverage if you have an SR-22.

How can I get my rating changed from a high-risk to a standard risk rating?

It depends on why you have the high-risk rating. If it’s because of numerous speeding tickets, that’s easy – slow down! If it’s because of age or inexperience, take a formal driving education class that provides a certificate of completion. If you are driving a high-performance or sporty car, think about trading it for a more middle-of-the-road model. If your credit history has some blemishes, work on getting those cleared up. There are a number of things you can do to improve your insurance risk status – talk to your insurance agent, too.

How soon will my coverage take effect with Acceptance Auto Insurance?

If you have all the pertinent information at the time you apply for insurance, and you can pay the required premium, coverage should take effect immediately. There may be some exceptions, but your agent can advise you of any delays. Ask your agent what information you need to bring so you’ll be prepared.

Does Acceptance Auto Insurance ever deny coverage?

Acceptance Auto Insurance takes pride in trying to ensure everyone is accepted. However, there are always exceptions. Approval or denial of coverage is based upon each individual’s personal circumstances. If coverage is denied, the applicant will be advised of the grounds for denial.

Will Acceptance Auto Insurance give me full coverage protection?

That depends on the type of risk you pose as an insured. Since coverage is determined on an individual basis, an internal evaluation would be made to determine if full coverage could be offered.