Guaranty National Insurance Review & Ratings (2023)

Guaranty National insurance is a top-tier car insurance company with a rich history of providing quality insurance services to its customers. In this review, we will examine Guaranty National insurance’s mission, history, and services offered.

We will also analyze the cost of their services, the discounts available to customers, and customer reviews to determine their strengths and weaknesses. By the end of this review, you will have a comprehensive understanding of Guaranty National insurance and be able to make an informed decision when shopping for car insurance.

Interesting Attributes of Guaranty National Insurance:

• Customized insurance plans: Guaranty National insurance offers customized car insurance plans that cater to the specific needs of each customer. With a range of coverage options and add-ons, customers can create a policy that fits their lifestyle and budget.
• Excellent customer service: Guaranty National insurance has a team of highly trained and experienced customer service representatives who are available to answer any questions or concerns. They also offer a 24/7 claims service, so customers can get the help they need at any time.
• Competitive rates: Guaranty National insurance offers competitive rates that are tailored to each customer’s unique needs. With a range of discounts and special offers, customers can save money on their car insurance without sacrificing quality coverage.

Car insurance is an essential investment for every driver, and choosing the right provider can be a daunting task. Guaranty National insurance is a top-tier car insurance company that has been providing quality insurance services to its customers for over 80 years. As a company, Guaranty National insurance prides itself on its mission to provide reliable, affordable, and comprehensive insurance services to its customers.

In this review, we will examine Guaranty National insurance’s history and mission, the services they offer, the cost of those services, the states where they operate, and the different types of discounts available to customers. We will also provide an overview of customer reviews to help you make an informed decision when choosing your car insurance provider.

Guaranty National Insurance History and Mission

Guaranty National Insurance has a rich history of providing quality insurance services to its customers. The company was founded in 1926 and has since become a leader in the insurance industry.

The company’s mission is to provide reliable, affordable, and comprehensive insurance services to its customers. Guaranty National Insurance operates on the principles of integrity, honesty, and fairness, and they are committed to providing their customers with the highest level of customer service.

Over the years, Guaranty National Insurance has evolved and expanded its product offerings to meet the changing needs of its customers. The company has remained committed to its mission of providing quality insurance services at an affordable price.

As a result, Guaranty National Insurance has gained a reputation for being a reliable and trustworthy insurance provider. The company’s commitment to its customers is evident in its history, and it continues to guide the company’s operations today.

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Types of Insurance Offered by Guaranty National

Guaranty National Insurance offers a range of insurance products that cater to the specific needs of its customers. Their main products include:

• Liability coverage: Liability coverage is required by law and provides financial protection if you are responsible for an accident that causes damage to someone else’s property or injures someone.
• Collision coverage: Collision coverage provides financial protection if your car is damaged in an accident, regardless of who is at fault.
• Comprehensive coverage: Comprehensive coverage provides financial protection for non-collision incidents, such as theft, vandalism, or natural disasters.
• Personal injury protection: Personal injury protection provides coverage for medical expenses and lost wages if you or your passengers are injured in an accident.

In addition to these standard coverage options, Guaranty National Insurance also offers a range of add-ons and customizable coverage options, such as:

• Roadside assistance: Roadside assistance provides help if you have a breakdown or get stranded on the road.
• Rental car coverage: Rental car coverage provides coverage for rental cars if your car is damaged and needs repairs.
• Uninsured/underinsured motorist coverage: Uninsured/underinsured motorist coverage provides financial protection if you are in an accident with someone who does not have insurance or does not have enough insurance to cover the damages.
• Gap coverage: Gap coverage provides coverage for the difference between the actual cash value of your car and the amount you owe on your car loan in case your car is declared a total loss.
• Pet injury coverage: Pet injury coverage provides financial protection for your pet if they are injured in an accident while in your car.

Customers can choose from these coverage options and add-ons to create a policy that fits their lifestyle and budget.

The Cost of Coverage With Guaranty National Insurance

The cost of Guaranty National Insurance varies depending on several factors, including the type of coverage, location, age, driving history, and credit score of the customer. While it is difficult to provide a specific cost for insurance coverage, here are some general factors that can impact the cost of coverage:

• Type of coverage: The cost of coverage will depend on the type of coverage selected by the customer. Liability coverage is typically less expensive than comprehensive coverage, which covers non-collision incidents such as theft or vandalism.
• Location: Insurance rates vary by state and even by ZIP code. Customers in urban areas may pay more for insurance than those in rural areas.
• Age: Younger drivers typically pay more for insurance than older drivers. This is because they are considered a higher risk for accidents.
• Driving history: Drivers with a clean driving record may be eligible for lower insurance rates than those with a history of accidents or traffic violations.
• Credit score: Insurance companies may use credit scores to help determine insurance rates. A lower credit score can result in higher insurance rates.

Areas Where Guaranty National Insurance is Offered

Guaranty National Insurance is a regional insurance provider that offers coverage in select states in the United States. The company primarily operates in the Midwest and South regions of the country, and coverage availability can vary by state. The states where Guaranty National Insurance is currently offered include:

• Alabama
• Arkansas
• Georgia
• Illinois
• Indiana
• Kentucky
• Mississippi
• Missouri
• Ohio
• Tennessee

If you reside in any of these states, you may be able to obtain a car insurance policy through Guaranty National Insurance. To find out if Guaranty National Insurance is available in your area, you can take the following options:

• Visit the Guaranty National insurance website: The company’s official website is a good place to start to learn more about the products and services offered by the company, as well as the states where the company provides coverage.
• Contact Guaranty National insurance: If you are interested in obtaining car insurance through Guaranty National Insurance, you can contact the company directly by phone or email to inquire about coverage available in your area.
• Check with a local agent: Guaranty National Insurance works with independent agents in some states who can provide information about the company’s products and services. You can check with a local agent in your area to find out if Guaranty National Insurance offers coverage in your state.
• Compare quotes from multiple insurance providers: Even if Guaranty National Insurance is available in your area, it’s always a good idea to compare quotes from multiple insurance providers to ensure you’re getting the best coverage and rates for your specific needs. You can use online comparison tools to get quotes from multiple providers quickly and easily.

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Discounts Available From Guaranty National Insurance

Guaranty National Insurance offers a range of discounts to help customers save on their car insurance premiums. These discounts vary by state and may not be available in all areas. Here are some of the discounts available from Guaranty National Insurance:

• Multi-car discount: Customers who insure more than one car with Guaranty National Insurance can receive a discount on their insurance premiums.
• Safe driver discount: Customers who have a clean driving record and have not been involved in any accidents or traffic violations in the past few years may be eligible for a safe driver discount.
• Good student discount: Students who maintain good grades in school may be eligible for a discount on their insurance premiums.
• Homeowner discount: Customers who own a home may be eligible for a discount on their insurance premiums.
• Anti-theft device discount: Customers with anti-theft devices installed in their cars may be eligible for a discount on their insurance premiums.
• Defensive driving discount: Customers who have completed an approved defensive driving course may be eligible for a discount on their insurance premiums.
• Paid in full discount: Customers who pay their entire annual premium upfront may be eligible for a discount on their insurance premiums.
• Renewal discount: Customers who renew their policy with Guaranty National Insurance may be eligible for a discount on their insurance premiums.

Guaranty National Insurance Customer Reviews

When considering a car insurance provider like Guaranty National Insurance, it is important to take into account the experiences of other customers. Here is an overview of customer reviews of Guaranty National Insurance:

Strengths:

• Competitive pricing: Many customers report that Guaranty National Insurance offers competitive pricing compared to other car insurance providers.
• Customer service: Several customers have praised the company’s customer service, citing helpful and friendly representatives who are able to address their concerns in a timely manner.
• Claims process: Some customers have reported positive experiences with the claims process, noting that claims were processed quickly and efficiently.

Weaknesses:

• Limited availability: Some customers have reported frustration with the limited availability of Guaranty National Insurance, which only offers coverage in select states.
• Difficulty with claims process: While some customers have reported positive experiences with the claims process, others have reported frustration with delays, difficulties in getting claims approved, or issues with communication from the company.

In Summary: Guaranty National Insurance

Guaranty National Insurance is a car insurance company with a mission to provide affordable and reliable coverage to drivers. The company offers a variety of insurance products, including liability coverage, collision coverage, and comprehensive coverage, and operates in select states across the United States.

Customers can take advantage of several discounts, including safe driver discounts, multi-car discounts, and discounts for certain safety features.

While customer reviews of Guaranty National Insurance are mixed, many customers report competitive pricing, helpful customer service, and a streamlined claims process.

To determine if Guaranty National Insurance is the right choice for your needs, it is recommended that you do your research, compare quotes from multiple providers, and read customer reviews before making a decision.