Hallmark Group Insurance Review & Ratings (2024)

What You Should Know About Hallmark Insurance Company

Welcome to our comprehensive guide on Hallmark Group Insurance. Whether you’re a high-risk driver or seeking non-standard coverage, this article provides valuable insights to help you make informed decisions.

We’ll review Hallmark Group Insurance ratings, including overall satisfaction, claims, cost, billing, and service satisfaction. Additionally, we’ll delve into the available coverage options, discounts, and the company’s reputation.

• Hallmark Insurance is available in seven states
• Hallmark Insurance provides coverage for high-risk drivers
• Hallmark Insurance has been rated an A by A.M. Best

To ensure you get the best rates, we encourage you to enter your zip code below and compare quotes from top insurance providers. Take control of your insurance choices and secure the coverage that meets your needs today.

Hallmark Insurance Company Insurance Coverage Options

Hallmark Group Insurance specializes in providing non-standard auto insurance primarily for high-risk drivers who might face challenges obtaining coverage from traditional insurers. Here are the coverage options they offer:

• Liability Coverage: This includes bodily injury liability and property damage liability, fulfilling the minimum legal requirements in most states.
• Collision Coverage: Covers the cost of damage to your vehicle in case of a collision, regardless of fault.
• Comprehensive Coverage: Protects against non-collision incidents such as theft, vandalism, natural disasters, and other damages not related to collisions.
• Uninsured/Underinsured Motorist Coverage: Offers protection if you’re involved in an accident with a driver who has insufficient or no insurance coverage.
• Personal Injury Protection (PIP): Provides coverage for medical expenses, lost wages, and other related costs resulting from an accident, regardless of fault.
• Roadside Assistance: Offers assistance in situations such as flat tires, towing, battery jump-starts, and other emergency roadside needs.
• Rental Reimbursement: Covers the cost of a rental car if your insured vehicle is in the shop due to a covered claim.
• SR-22 Insurance: Provides the necessary documentation for drivers who need to prove financial responsibility to their state, often required after certain driving violations.

It’s important to note that coverage options and availability may vary based on the state of residence and individual circumstances. High-risk drivers who might have difficulty obtaining coverage elsewhere due to their driving history or other factors can typically find tailored options through Hallmark Group Insurance.

Hallmark Insurance focuses on non-standard auto insurance for high-risk drivers. These drivers are usually unable to obtain coverage from other companies due to their driving history, credit score, or other factors that make them high risk.

The company specializes in liability coverage, which comprises the minimally-required amount of insurance in most states. Maintaining the minimum required coverage is the most affordable option for high-risk drivers.

Hallmark specializes in liability coverage, but they offer the other standard types of insurance. The following chart shows the different kinds of auto coverage provided by Hallmark Insurance:

In addition to these standard options, Hallmark Insurance provides additional coverages that many providers lack. These options cover drivers under challenging circumstances that might limit their ability to obtain coverage, including:

• Drivers with Matriculas IDs
• Drivers with an international driver’s license
• Drivers with foreign passports/IDs
• Drivers requiring SR-22s

Insurance companies price coverages individually, so more coverage will result in higher Hallmark car insurance quotes.

What are the average Hallmark Insurance rates?

Hallmark Insurance only provides coverage in seven states. These states are mainly in the southern part of the country. The seven states in which customers can obtain coverage include:

• Arizona
• Arkansas
• New Mexico
• Nevada
• Oklahoma
• Tennessee
• Texas

Read more: Oklahoma Car Insurance Discounts

High-risk drivers will usually experience higher rates than safer drivers. As a result, the cost of coverage is often a determining factor. Insurance companies use various factors to determine the cost of coverage, one of which is location. The following chart shows the annual and monthly affordable Hallmark car insurance rates for a full coverage policy based on the state.

As you can see, residents in New Mexico will usually experience the cheapest rates from the company. But, conversely, the most expensive rates are for customers from Nevada.

Hallmark Insurance Company Insurance Rates Breakdown

Hallmark Group Insurance, specializing in catering to high-risk drivers, offers a diverse range of coverage options. Delving into their rates unveils a nuanced landscape affected by various factors. Let’s explore the intricacies that shape Hallmark’s insurance premiums, enabling you to make informed decisions tailored to your unique circumstances.

• Driving Record: A significant factor affecting rates. High-risk drivers with multiple violations or accidents might face higher premiums.
• Location: Rates can vary widely based on the state and even the specific area within a state due to differing regulations and risk levels.
• Age and Gender: Younger drivers, especially teenagers, often face higher rates due to perceived higher risk. Historically, gender has also impacted rates, with young males typically paying more than young females. However, this varies by location and insurer.
• Credit Score: Some insurance companies consider credit scores in setting rates. A lower credit score might lead to higher premiums.
• Vehicle Type and Usage: The make and model of the car, as well as how it’s used (commuting, pleasure, business), can affect rates.
• Coverage Type and Limits: Higher coverage limits or additional coverage options will typically result in higher premiums.

By understanding the criteria that influence rates, you’re empowered to optimize your insurance choices. Hallmark’s commitment to providing coverage to high-risk drivers coupled with an evaluation of your individual circumstances can pave the way for securing the right coverage at competitive rates, ensuring peace of mind on the road ahead.

How can you buy a Hallmark Insurance policy?

Customers can only buy Hallmark car insurance through independent agents. While the company has a customer service line, the agent should be your primary point of contact when buying and dealing with your policy.

Once you purchase a policy, you can make payment online, by phone, or by mail. The available payment methods include:

• Debit card
• Credit card
• Electronic check
• Automatic withdrawal

Customers can make payments by phone by calling Hallmark Insurance customer service at 1-800-486-5616. The company directs customers who prefer to pay by check to contact customer service to find out where to send check payments.

Customers can make online payments by logging into their accounts on the company website. The insured login is located on the personal auto homepage and will direct you to your account details.

How can you cancel a Hallmark Insurance policy?

Customers can cancel Hallmark Insurance policies at any time. To cancel a policy, you can contact an agent who will guide you through the process. The agent will also answer any specific questions that you might have about the cancellation.

If you’ve already paid for the whole term, you’ll receive a prorated refund. This type of refund repays the amount remaining on your policy after you cancel. There is no cancellation fee involved, so you won’t have to pay anything extra for canceling during a term.

Hallmark Insurance Company Discounts Available

Hallmark Group Insurance understands the significance of providing financial incentives to their policyholders. Their diverse range of discounts aims to reward safe driving habits, loyalty, and smart bundling choices. Let’s explore the array of discounts offered by Hallmark, empowering you to optimize your coverage while maximizing savings.

• Multi-Policy Discount: Save when you bundle multiple insurance policies, such as auto and renters insurance, with Hallmark.
• Safe Driver Discount: Rewards for maintaining a clean driving record without accidents or violations.
• Multi-Car Discount: Discounts for insuring multiple vehicles under the same policy.
• Payment Discounts: Incentives for paying premiums in full or through automatic payments.
• Renewal Discounts: Rewards for policyholders who renew their coverage with Hallmark.
• Homeowner Discount: Savings for homeowners who also insure their vehicles with Hallmark.
• Loyalty Discount: Long-term customers may receive special discounts for their continued loyalty.

Whether through safe driving rewards, policy bundling incentives, or loyalty benefits, Hallmark is dedicated to offering affordable coverage without compromising on quality. By leveraging these discounts, policyholders can secure comprehensive protection while enjoying considerable savings, making insurance both practical and financially advantageous.

How can you save with Hallmark Insurance?

The best way to save on car insurance is to compare quotes, bundle policies, and combine multiple discounts. Like the best insurance companies, Hallmark Insurance provides various discounts for drivers to decrease their rates.

In addition to auto insurance, Hallmark also offers renters and personal aircraft coverage. Customers that use the company for two types of insurance will experience a discount on their monthly rates.

Knowing the Hallmark car insurance company discounts will help you save the maximum amount on your coverage. These deals depend on various factors, like your vehicle, license status, and payment methods. The following chart shows the available Hallmark Insurance discounts:

Hallmark has fewer discounts than most other car insurance companies but enough deals that most customers can lower their rates.

Streamlining Experience With Hallmark Group Insurance Claims Process

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Hallmark Group Insurance offers multiple convenient options for filing insurance claims. Customers can choose to file a claim online through the company’s website, over the phone by contacting the claims department at 1-800-486-4255, or through the mobile app, if available.

This flexibility ensures that policyholders can select the method that suits their preferences and needs, making the claims process more accessible and user-friendly.

Average Claim Processing Time

The average claim processing time can be a crucial factor for insurance customers, especially when they need quick resolutions. While specific processing times may vary depending on the nature and complexity of the claim, Hallmark Group Insurance strives to provide efficient and timely claims processing.

Customers can expect their claims to be handled promptly, although exact processing times may be influenced by individual circumstances.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback plays a vital role in assessing the quality of an insurance company’s claim resolutions and payouts. While there is no specific customer feedback provided in the given content, it is essential for potential customers to research and read reviews to gauge the overall satisfaction of policyholders with Hallmark Group Insurance’s claims process.

Unleashing Innovation With Hallmark Group Insurance Digital and Technological Features

Mobile App Features and Functionality

Hallmark Group Insurance may offer a mobile app with various features and functionalities designed to enhance the customer experience. While the specific details of the app are not mentioned in the provided content, policyholders can typically expect features like policy management, claims filing, bill payment, and possibly access to resources such as digital insurance ID cards.

The mobile app is designed to provide convenience and accessibility for policyholders on the go.

Online Account Management Capabilities

Online account management is a crucial aspect of modern insurance services. Hallmark Group Insurance likely provides customers with the ability to manage their policies and accounts online.

This may include tasks such as reviewing policy details, making changes to coverage, viewing billing information, and accessing important documents. Online account management allows customers to have greater control and transparency over their insurance policies.

Digital Tools and Resources

In addition to online account management and mobile app features, Hallmark Group Insurance may offer various digital tools and resources to assist policyholders. These could include educational resources, such as articles and guides on insurance topics, as well as tools like premium calculators or coverage estimators.

Providing these digital resources can empower customers to make informed decisions about their insurance needs and better understand their policies.

How Hallmark Insurance Company Ranks Among Providers

Hallmark Group Insurance operates in a niche market, specializing in non-standard auto insurance for high-risk drivers. In this space, several other insurers also cater to similar demographics and offer comparable services. Here are a few of Hallmark’s main competitors:

• The General: Known for providing coverage to drivers with less-than-perfect records, The General offers non-standard auto insurance with an emphasis on accommodating high-risk drivers.
• Infinity Insurance: Similar to Hallmark, Infinity specializes in non-standard auto coverage, focusing on providing options for drivers who might struggle to secure insurance from traditional carriers.
• Dairyland Insurance: They focus on providing coverage for high-risk drivers, including those with SR-22 requirements, offering non-standard policies across multiple states.
• Direct Auto Insurance: Catering to drivers with diverse needs, Direct Auto Insurance offers coverage for high-risk individuals, emphasizing accessible policies and a variety of payment options.
• National General Insurance: Formerly GMAC Insurance, National General offers non-standard auto coverage, targeting drivers with less-than-perfect driving records.

These competitors share a similar target market, focusing on providing insurance solutions to drivers who might face challenges securing coverage through standard insurance companies due to their driving history, credit score, or other factors that categorize them as high risk.

Their emphasis on non-standard policies and accommodating high-risk drivers aligns with Hallmark Group Insurance’s niche in the insurance market.

How is Hallmark Insurance rated?

A.M. Best reviews and rates insurance companies based on financial strength. These ratings determine the company’s ability to provide a payout when you file a claim.

Hallmark Insurance has been rated an “A” by A.M. Best. This rating is excellent and indicates that the company will provide a payout in almost every situation.

The Better Business Bureau (BBB) reviews and rates insurance companies on business practices and customer complaints. Hallmark Insurance has been rated an A+ by the BBB, the highest possible rating. This rating shows that the company is transparent and trustworthy.

Does Hallmark Insurance have any complaints?

The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) allow insurance customers to list company complaints on their websites. Both organizations list complaints about Hallmark auto insurance.

At the time of this review, the BBB has received 41 complaints about Hallmark Insurance during the past three years. The majority of these complaints regard problems with the company’s products and services.

According to the NAIC, the company has a complaint index ratio of 1.21. This number shows that the company has slightly more complaints than a similarly-sized competitor. While Hallmark Insurance has complaints, looking through the individual grievances will allow you to determine if they should be a concern.