Encompass Car Insurance Review & Ratings (2023)

You’ll pay about $173 monthly for full coverage after an at-fault accident, but your Encompass car insurance rates may differ from that figure. So it’s important to get an Encompass quote — and compare it to other companies — to ensure you’re not overpaying for car insurance.

Encompass Discounts Available

One of Encompass’s benefits is that it offers a long list of auto insurance discounts to help policyholders save on their monthly premiums. Take a look at some of the discounts you could qualify for with Encompass car insurance.

• Safe driver bonus. Encompass will discount your rates up to 5% if your policy goes without a chargeable accident for the prior 12-month period.
• Good student discount. If you’re a student who maintains a 3.0 GPA or better, you qualify for a good student discount with Encompass.
• Anti-lock device discount. Vehicles and motorhomes equipped with factory installed anti-lock devices can earn a discount from Encompass.
• Early signing car insurance discount. You can receive an auto insurance discount from Encompass if your policy takes effect 7 or more days after it gets issued.
• New car discount. If you purchased your vehicle new, you could get a new car discount; though it doesn’t apply to previously titled vehicles.
• Homeowners discount. You can get a discount on your car insurance if you own a home, condominium, townhouse, or mobile home.
• Defensive driver discount. Defensive driving courses can lower insurance rates with Encompass for certain drivers. Speak with an Encompass representative to learn if you qualify and how you can enroll in a course.
• Passive restraint system discount. Encompass will discount your auto insurance if your vehicle has factory installed air bags or an automatic seat belt system. However, the discount only applies to medical payments/personal injury protection.
• Driver training discount. All Encompass drivers under 21 can get the driver training discount after successful completion of a driver training course and several hours of driving experience.
• Resident student discount. If a student lives more than 100 miles away from home at school, they may qualify for a resident student discount if they don’t have a vehicle at school.
• Encompass Easy Pay. You can save on your car insurance rates if you enroll in Encompass Easy Pay, the company’s automatic payment system.
• Good payer discount. Encompass drivers automatically receive a good payer discount upon initiating a new auto policy. So long as Encompass hasn’t issued a notice of non-payment to a policyholder in the last year, they’ll keep the discount.

Encompass policyholders enjoy a diverse array of discounts to help them save on their auto insurance coverage. However, keep reading to learn other ways to save on your Encompass car insurance.

Encompass Connected Driver Program

Encompass Connected Driver is a telematics program that tracks your driving and generates a score based on factors like hard braking, time of day driven, phone usage, and speeding. In exchange, drivers could save up to 10% on their car insurance. 

To enroll, policyholders simply install the mobile app, enter a registration code, and allow their app to track the location. Then, the driver brings the phone with them while they drive. They’ll receive a driving score 7 days after activating the app.

Other Ways to Lower Your Encompass Car Insurance Rates

Encompass offers policyholders various ways to save on car insurance coverage, but there are more ways to lower your rates.

• Drop unnecessary coverages. If an older car depreciates in value, you could drop collision and comprehensive coverages and only carry liability. 
• Insure a cheap vehicle. Purchase a cheap vehicle or one with cheap parts to replace if you want lower auto insurance rates.
• Increase your credit score. Many insurers look at credit when setting insurance rates, so you could see lower costs once your credit score rises. However, if you’re struggling to improve your credit, you can search for car insurance for people with bad credit.
• Practice safe driving. Your car insurance company may award you lower rates if you practice safe driving, avoid accidents, and remain ticket-free.
• Increase your deductible. Your deductible is the amount you pay before insurance pays out a claim. The higher your deductible, the lower your premiums will be, but you shouldn’t increase your deductible to an amount outside your budget.
• Shop around. Since rates vary by insurance company, Encompass might not be the cheapest company for you. Compare quotes from multiple companies to ensure you’re not overpaying.

The best ways to get the cheapest car insurance quotes is by following the tips above, comparing quotes, and finding eligible discounts. You can call an Encompass representative to get a quote from the company.

Encompass Coverage Options

Encompass sells all the basic car insurance coverages your state requires to drive legally, and you can also find unique perks with the company. From full coverage car insurance to the minimum car insurance required by your state, Encompass has what you need for full protection.

So, how much car insurance do you need? The answer to this question varies by location since each state sets its own insurance requirements and regulations. A representative for Encompass can tell you what coverages you need if it’s available in your area.

Below is a list of the standard coverages you can find at just about any auto insurance company.

• Bodily injury liability. Bodily injury liability pays for other parties’ medical expenses in a car accident you cause. However, it doesn’t cover your own medical bills.
• Property damage liability. Property damage liability pays for the vehicle or property damage you caused to others in an accident. This coverage doesn’t cover your vehicle or property.
• Collision car insurance. Collision insurance coverage pays for your vehicle damages if you crash into another object, like another vehicle or stationary object, regardless of fault. It isn’t legally required, but some lenders may require it if you have a vehicle loan or lease.
• Comprehensive coverage. Comprehensive car insurance coverage pays for your vehicle damages resulting from non-collision incidents, like weather, falling objects, vandalism, animal damage, or theft. Learn more about collision vs. comprehensive car insurance.
• Uninsured/underinsured motorist coverage. Uninsured/underinsured motorist coverage pays for your vehicle damages and medical bills if you get in a hit-and-run or an accident with an uninsured driver.
• Personal injury protection/medical payments. These coverages pay for any medical expenses stemming from a covered accident.
• Roadside assistance coverage. If you get stranded, Encompass’s 24/7 roadside assistance, available through the MyEncompass app, can help you with a jump-start, flat tire, or gas delivery.

All the coverages listed above consist of a full coverage car insurance policy, though the law will only ever require minimum auto insurance. However, remember that full coverage will cost more than liability only since you have better protection. In addition, if you have a car loan or lease, your lender may require you to carry full coverage.

Encompass offers three different insurance packages tailored to policyholders’ unique needs, including the previously mentioned basic coverages. Keep reading to learn more about the company’s car insurance packages.

Special Policy Package

Encompass’s special policy package includes the basic auto insurance coverages alongside home insurance. You can also add the following extra coverages to maximize protection.

• New car replacement. With new car replacement, Encompass covers the cost of replacing your totaled vehicle with a new vehicle of the same make and model. Usually, standard car insurance only offers the actual cash value of your car if it gets totaled. 
• Electronic equipment coverage. Standard auto insurance won’t cover anything you installed on your car afterward, so you need electronic equipment coverage to cover items like CDs or stereo systems.
• Gap coverage. If you have a car loan or lease, gap coverage pays the difference between your car’s actual cash value and your loan’s remaining balance.

However, Encompass offers higher tiers with additional benefits. Of course, the more coverage you have, the higher your insurance rates will be.

Deluxe Policy Package

When skimming through coverage options, some may wonder, “Is a broken windshield covered by car insurance?” With Encompass’s deluxe policy package, the answer is yes.

Along with the previous benefits, the deluxe policy package includes electronic equipment coverage, $0 windshield replacement, and accident forgiveness. You also have the option to add new car replacement, gap coverage, or auto trip interruption.

Elite Policy Package

With Encompass’s elite policy package, you get all the previously mentioned benefits besides new car replacement and gap coverage. However, you have the option to add either coverage.

The elite package also includes unlimited accident forgiveness, meaning an at-fault accident will never affect your rates. In addition, if you drive a company car, the elite package will cover you while driving it.