Omni Insurance Review & Ratings (2023)
This Omni Insurance Review will cover Omni Insurance ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. The Omni Insurance A.M. Best rating is B+. To compare insurance rates from the best companies in your area, enter your ZIP code below.
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Written by
Chris Tepedino |
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Reviewed by
Laura Walker
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UPDATED: Mar 1, 2023
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Are you looking for a reliable and affordable car insurance provider? Look no further than Omni Insurance. Here are three reasons why this company stands out:
- Competitive pricing: Omni Insurance offers a variety of discounts to help you save money on your car insurance policy.
- Flexible coverage options: Whether you need liability coverage, collision coverage, or comprehensive coverage, Omni Insurance has you covered.
- Superior customer service: With 24/7 claims support, you can rest assured that Omni Insurance is always there when you need them.
Omni Insurance has been in business for over 30 years and has built a reputation as a trusted provider of car insurance. Their mission is to provide affordable coverage that meets the needs of their customers. They offer a range of products and services to help drivers protect their vehicles and stay safe on the road.
Omni Insurance History and Mission
Omni Insurance has a long history of providing car insurance to drivers throughout the United States. The company was founded in 1986 and is headquartered in Atlanta, Georgia.
Over the years, Omni Insurance has expanded its offerings to include a range of insurance products, but its primary focus remains on car insurance.
The company’s mission is to provide affordable car insurance to drivers who might otherwise struggle to find coverage. They understand that car insurance can be expensive, and many drivers are forced to choose between paying for coverage and other necessities like rent and groceries.
That’s why Omni Insurance works hard to keep its prices competitive and offers a range of discounts to help customers save money on their policies.
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Products and Services Offered by Omni Insurance
Omni Insurance offers a variety of car insurance products and services to meet the needs of its customers. Here is a breakdown of the main types of coverage they offer:
- Liability coverage: This is the most basic type of car insurance, and it’s required by law in most states. It covers the costs of any damages or injuries you may cause to another person or their property while driving. In addition to the required minimums, Omni Insurance offers higher liability limits to provide additional protection.
- Collision coverage: This coverage is designed to help pay for damages to your vehicle in the event of a collision with another vehicle or object, regardless of who is at fault.
- Comprehensive coverage: This coverage helps protect your vehicle against non-collision-related damages, such as theft, vandalism, fire, and natural disasters.
- Personal injury protection (PIP): This coverage helps pay for medical expenses, lost wages, and other expenses that may arise if you or your passengers are injured in an accident, regardless of who is at fault.
- Uninsured/Underinsured motorist coverage: This coverage helps protect you if you’re involved in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover the damages.
In addition to these core coverage options, Omni Insurance also offers a variety of optional coverage and add-ons to provide even more protection. Some of these additional products and services include:
- Rental car coverage: This coverage helps pay for the cost of renting a vehicle if your car is in the shop for repairs after an accident.
- Roadside assistance: This coverage provides help with common roadside emergencies like flat tires, dead batteries, and lockouts.
- Towing and labor coverage: This coverage helps cover the cost of towing your vehicle to a repair shop and any necessary labor costs.
Overall, Omni Insurance offers a range of coverage options to help drivers protect their vehicles and stay safe on the road.
Cost of Coverage With Omni Insurance
As with any car insurance company, the cost of coverage from Omni Insurance will depend on a variety of factors, including your age, driving record, location, and the type of car you drive.
That said, Omni Insurance is known for offering competitive rates that are often lower than those of other insurance providers.
One of the reasons for their affordability is their focus on non-standard auto insurance. This means that they specialize in providing coverage to drivers who might have difficulties finding insurance elsewhere, such as those with a history of accidents or violations.
By focusing on this niche market, Omni Insurance can keep its rates low while still providing the coverage drivers need.
States Where Omni Insurance Offers Coverage
Omni Insurance is licensed to sell car insurance in several states across the United States. They offered coverage in the following states:
- Alabama
- Arizona
- Florida
- Georgia
- Indiana
- Kansas
- Missouri
- Ohio
- Pennsylvania
- South Carolina
- Tennessee
- Texas
It’s important to note that the availability of coverage options may vary depending on the state in which you live. In some states, for example, certain coverage options may be required by law or may not be available.
Before purchasing insurance from Omni Insurance, it’s a good idea to check with them directly or consult your state’s insurance department to ensure that the coverage you need is available in your state.
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Discounts Available With Omni Insurance
Omni Insurance offers a range of discounts to help its customers save money on their car insurance premiums. Here are some of the most common discounts they offer:
- Safe driver discounts: This discount rewards drivers who have a clean driving record with lower rates. To qualify, you typically need to have a certain number of years without any accidents or moving violations.
- Multi-car discounts: This discount is available to customers who insure more than one car with Omni Insurance. By insuring multiple vehicles, customers can save money on their overall insurance costs.
- Paid in full discounts: This discount is available to customers who pay their entire insurance premium upfront rather than in installments. By paying in full, customers can often save a significant amount of money on their premiums.
- Homeowner discounts: This discount is available to customers who own a home. By bundling their car insurance with their homeowner’s insurance, customers can often save money on both policies.
- Military discounts: This discount is available to active-duty military personnel and veterans. By providing proof of military service, customers can often receive a discount on their car insurance premiums.
- Senior discounts: This discount is available to drivers over a certain age (typically 55 or 65). By meeting the age requirement, customers can receive a discount on their car insurance premiums.
These are just a few examples of the discounts that Omni Insurance offers. The specific discounts and requirements may vary depending on the state in which you live and the coverage options you select.
To find out more about the discounts available to you, it’s best to speak directly with an Omni Insurance representative or agent.
Customer Reviews of Omni Insurance
Customer reviews of Omni Insurance are generally mixed, with both positive and negative feedback. Here are some common themes that emerge from customer reviews of the company:
Positive reviews often mention:
- Competitive rates: Many customers report that Omni Insurance offers affordable rates, particularly for non-standard auto insurance.
- Customer service: Some customers report positive experiences with the company’s customer service representatives, who are described as friendly and helpful.
Negative reviews often mention:
- Claims handling: Some customers report dissatisfaction with how the company handles claims. Specifically, they report that the claims process can be slow or that the company may not fully cover the cost of repairs or damages.
- Billing issues: Some customers report issues with billing and payment, such as unexpected rate increases or difficulty making payments online.
- Coverage options: Some customers report that the company’s coverage options are limited or that it can be difficult to customize a policy to meet their specific needs.
As with any insurance provider, it’s important to read reviews from a variety of sources and weigh the pros and cons carefully before making a decision.
Additionally, keep in mind that the experiences of individual customers may vary and may not be representative of the overall quality of the company’s services.
In Summary: Omni Insurance
In conclusion, Omni Insurance is a non-standard auto insurance provider with a long history and a mission to provide affordable coverage to high-risk drivers.
They offer a range of coverage options and discounts, and they are licensed to sell insurance in several states across the United States.
While the company’s rates are generally competitive and some customers report positive experiences with their customer service, there are also some common complaints about claims handling and billing issues.
It’s important to weigh the pros and cons carefully and to read customer reviews from a variety of sources before deciding whether Omni Insurance is the right insurance provider for you.