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| Acuity Auto Insurance |
Auto insurance is an agreement between you and the auto insurance company. It protects you financially in the event of an accident or theft. In this article, get to know exactly how car insurance works.
Car insurance often seems confusing, but a little education can quickly clear up any confusion you may have about this important type of coverage.
Knowing exactly how car insurance works can make you more confident about buying the right policy and getting the most out of that coverage when you need it.
It protects your finances in the event of a car accident, which could save you tens of thousands of dollars or more.
One type of coverage reimburses you for damage you cause to other people, their vehicle, or other property. Almost all states require you to carry this type of coverage, known as liability insurance.
A second type of coverage reimburses you for damage to yourself and your own vehicle. Typically, this type of coverage — like collision and comprehensive coverage — is optional, although if you have a car loan, the lender might require you to purchase the insurance.
Acuity Auto Insurance Overview
Acuity’s strongest asset is its customer service – the insurance provider boasts of answering 93% of phone calls in 16 seconds or less, and maintains 95% satisfaction with customer claims.
On Trustpilot, a third-party review aggregator, Acuity has a four out of five star rating, with 74% of customers rating the company as “Excellent”.
Along with all the standard car insurance coverage options you’d expect from any major carrier, Acuity also offers coverage like full safety glass, which will pay for your windshield repairs.
or your windows with no deductible required, and optional “personal auto improvements” coverage that covers things like lock replacement if you lose your keys.
Replacement of personal effects damaged in an accident and replacement of airbags if your airbags deploy outside of a collision.
A disadvantage of Acuity is its limited area of coverage – Acuity auto insurance is not available in most coastal states or the southeastern United States.
But if you’re looking for an insurance company that falls somewhere between a small regional operation and a large national provider, Acuity is a good choice, at least for drivers who live in one of the states where it offers car insurance.
1. Pros
- Good reviews and complaint satisfaction rate
- The “Road and residence” package allows you to easily combine home and auto insurance
- Online resources like the Acuity mobile app, blog and videos
- Easy to use website and online quote generator
2. Cons
- Only available in certain states
- Doesn’t offer as wide a range of other types of insurance as some of the larger insurance companies
3. Acuity by the numbers
- Founded: 1925
- Market Share: 0.22%
- A.M. Best rating: A+ (effective May 28, 2019)
- Better Business Bureau rating: A+
- Consumer Reports: N/A
- J.D. Power Claims Satisfaction rating: N/A
Acuity Auto Policy Details
When it comes to auto coverage, Acuity offers the coverage most drivers will need, plus a few non-standard options and add-ons.
Their online quote process also makes it easy to customize your full coverage policy and set the limits and deductible that best suits you and your bank account.
Standard Coverage Options
- Liability insurance. Liability insurance.
- Protection against bodily injury. Covers medical expenses or funeral expenses if you or your family are injured while driving or as a pedestrian. Also covers lost wages if you cannot work after an injury.
- Coverage for uninsured/underinsured motorists. Pays if you are involved in an accident caused by a driver who does not have insurance or whose insurance cannot cover the extent of the damage.
- Collision coverage. Covers collision damage to your own vehicle, regardless of the driver at fault.
- Full coverage. Covers damage to your own vehicle that may occur when it is not being driven, such as damage caused by extreme weather conditions, fire, vandalism, theft, fire, flooding and falling objects.
Coverage and Additional Features
- Vehicle replacement coverage. If your car is totaled, it will pay to replace it with a brand new one of the same or similar model. If you have an older car, this coverage will pay you 25% more than the value of your car.
- Full safety glass. Pays to repair or replace your windshield or glass without paying a deductible.
- Personal automatic improvements. An optional rider that combines a range of additional coverage, including personal property replacement, lock replacement, airbag replacement, and coverage for your travel expenses if you need food and lodging after a accident.
How Much Does Acuity Cost?
Car insurance premiums are determined by a range of factors, including the type of car you drive, your driving history, where you live, your credit score, and even your age and gender.
It is therefore difficult to predict how much a given driver will pay for his policy.
But let’s take a look at an example of an Acuity auto policy for a 30-year-old single woman in Minnesota with a car: a 2016 Chevrolet Impala.
This driver was offered a premium of $227.50 per month, or $2,730 for the year, for a comprehensive coverage policy that also included new car replacement and Acuity’s personal auto improvement coverage.
Like its competitors, Acuity offers its customers a range of discounts to help them save on car insurance.
These include good student discounts, graduate student discounts, discounts for taking an accident prevention course, and discounts for insuring multiple cars on the same policy.
Unlike other carriers, however, Acuity does not make it easy to view all available discounts on their website or in the quote process, so new customers should try speaking with an agent to ensure that they get all applicable discounts.
Other Types of Insurance Offered
- Motorcycle insurance. Cover for your soft bike.
- Boat and yacht insurance. Coverage for your seagoing vessel.
- Snowmobile insurance. Coverage when you’re hurtling down snowy trails.
- ATV insurance. Coverage when hitting the not-so-snowy trails.
- RV and motorhome insurance. Coverage for your vacation home on wheels.
- Home Insurance. Insurance for your home.
- Tenants insurance. Insurance for your rented home and everything in it.
- Personal property insurance. Covers your belongings in the event of damage or theft, no matter where your belongings are.
Contact info
- Website: www.acuity.com
- Phone: (920) 458-9131
- Headquarters: 2800 S Taylor Dr, Sheboygan, WI 53081