Penn America Insurance Review & Ratings (2023)
This Penn America Insurance Review will cover Penn America Insurance ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. The Penn America Insurance A.M. Best rating is A. 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 8, 2023
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Car insurance is an important investment for anyone who owns a vehicle. It protects you financially in case of an accident or theft, and it’s required by law in most states.
Penn America insurance is a well-known car insurance company that has been around for over three decades.
- Penn America offers a range of coverage options, including liability, collision, comprehensive, and personal injury protection.
- The company is known for its competitive pricing and personalized customer service.
- Penn America has a strong reputation for its claims-handling process, which is quick and efficient.
In this article, we will review Penn America’s history, mission, products and services, discounts, and customer reviews.
History and Mission: Penn America Insurance
Penn America Insurance was founded in 1985 in Bala Cynwyd, Pennsylvania, by a group of insurance industry veterans. Their goal was to provide affordable car insurance coverage to drivers in the Mid-Atlantic region. The company started small, but over the years, it has grown to offer coverage in multiple states across the country.
The company’s mission is to provide its customers with reliable and comprehensive car insurance coverage at competitive prices.
Penn America Insurance takes pride in its commitment to customer service and strives to ensure that each customer receives personalized attention and assistance.
The company is dedicated to working closely with customers to understand their individual needs and to provide the right coverage to meet those needs.
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Products and Services Available With Penn America Insurance
Penn America Insurance offers a range of car insurance products to meet the needs of different drivers. Here are the main types of coverage offered by the company:
- Liability coverage: This is the most basic type of car insurance coverage and is required by law in most states. It covers damage you may cause to others in an accident, including bodily injury and property damage.
- Collision coverage: This coverage pays for damage to your vehicle if you are in an accident, regardless of who is at fault.
- Comprehensive coverage: This coverage protects your vehicle against damage from non-collision incidents, such as theft, vandalism, or natural disasters.
- Personal injury protection (PIP): This coverage pays for medical expenses and lost wages if you or your passengers are injured in an accident.
In addition to these core types of coverage, Penn America Insurance offers a variety of optional coverage options, including:
- Roadside assistance: This coverage provides emergency roadside assistance if your car breaks down or you have a flat tire.
- Rental reimbursement: This coverage pays for a rental car if your car is being repaired after an accident.
- Pet injury coverage: This coverage pays for veterinary expenses if your pet is injured in an accident.
To qualify for these discounts, customers must meet certain criteria, such as having a clean driving record or insuring multiple vehicles with Penn America.
States Where Penn America Offers Insurance
Penn America Insurance provides coverage in several states across the United States. The states where Penn America Insurance is currently available include:
- Arizona
- California
- Colorado
- Illinois
- Indiana
- Maryland
- Michigan
- Missouri
- Nevada
- New Jersey
- Ohio
- Oregon
- Pennsylvania
- South Carolina
- Texas
- Virginia
- Washington
It’s worth noting that the specific types of coverage and discounts available may vary depending on the state in which you live. Therefore, it’s important to check with Penn America Insurance to find out what products and services are available in your state, as well as to get a personalized quote for coverage that meets your individual needs.
Cost of Coverage at Penn America Insurance
The cost of car insurance from Penn America Insurance will depend on many factors, including the type and level of coverage you choose, your driving record, your age and gender, the make and model of your vehicle, and where you live.
In general, car insurance rates from Penn America Insurance are competitive with those of other major insurance companies.
When comparing car insurance quotes, it’s important to consider not just the cost of the policy, but also the quality of coverage and customer service offered by the company.
Penn America Insurance is known for its commitment to customer service and personalized attention to each customer’s needs, so it may be worth paying a slightly higher premium for the added peace of mind and support that come with that level of service.
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Available Discounts at Penn America Insurance
Penn America Insurance offers several discounts to help customers save money on their car insurance premiums. Here are some of the main discounts available:
- Safe driver discount: If you have a clean driving record with no accidents or traffic violations in the past three years, you may be eligible for a safe driver discount.
- Multiple vehicle discount: If you insure more than one vehicle with Penn America Insurance, you may qualify for a multiple vehicle discount.
- Good student discount: If you are a full-time student under the age of 25 and maintain a B average or higher, you may be eligible for a good student discount.
- Anti-theft device discount: If your vehicle is equipped with an anti-theft device, such as an alarm or tracking system, you may be eligible for an anti-theft device discount.
- Accident forgiveness: If you have been a customer of Penn America Insurance for a certain period (usually three years) and have had no at-fault accidents during that time, you may be eligible for accident forgiveness. This means that your rates will not increase after your first at-fault accident.
- Low mileage discount: If you drive your car less than a certain number of miles per year (usually around 7,500), you may be eligible for a low mileage discount.
It’s worth noting that the availability and amount of discounts may vary depending on the state in which you live and other factors. To find out which discounts you may be eligible for and how much you can save, it’s best to contact Penn America Insurance directly or get a personalized quote online.
Customer Feedback for Penn America Insurance
Customer reviews of Penn America Insurance are generally positive, with many customers praising the company for its personalized service, competitive pricing, and easy claims process.
Penn America Insurance appears to be a reputable and reliable car insurance provider with a strong focus on customer service and satisfaction.
While it may not be the best choice for everyone, it is worth considering for those looking for affordable, quality car insurance coverage.
In Summary: Penn America Insurance
In conclusion, Penn America Insurance is a reputable car insurance provider with a long history of serving customers in several states across the United States.
The company is known for its commitment to personalized service, competitive pricing, and easy claims process, and it offers a range of coverage options and discounts to meet the needs of different drivers.
While Penn America Insurance may not be the best choice for everyone, it is worth considering for those looking for affordable, quality car insurance coverage with a focus on customer service and satisfaction.
Before making a decision, it’s always a good idea to compare quotes from multiple providers and read customer reviews to get a sense of what to expect.
Overall, Penn America Insurance is a solid choice for drivers who value personalized attention and good value for their money.