Response Insurance Review & Ratings (2023)
This Response Insurance Review will cover Response Insurance ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. The Response 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 23, 2023
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Are you looking for a reliable car insurance company that offers affordable rates and top-notch services? Look no further than Response Insurance.
Here are some interesting attributes of this insurance provider:
- Response Insurance offers a variety of coverage options to meet your specific needs, including liability, collision, and comprehensive coverage.
- The company provides multiple discounts for its customers, including safe driver discounts, multi-policy discounts, and good student discounts.
- Response Insurance has a user-friendly website and app, making it easy to manage your policy and file claims online.
Response Insurance offers a variety of car insurance products, including liability, collision, and comprehensive coverage.
Response Insurance History and Mission
Response Insurance was founded in 1994 as a subsidiary of American Independent Companies, a publicly traded holding company based in California. The company’s mission is to provide affordable and reliable car insurance to drivers across the United States.
Response Insurance initially started as an auto insurance provider in California but expanded its services to other states over time.
The company has grown steadily over the years and has established itself as a reputable car insurance provider known for its affordable rates and exceptional customer service.
In 2011, Response Insurance was acquired by National General Holdings Corp., a specialty personal lines insurance holding company based in North Carolina.
Despite the change in ownership, Response Insurance continues to operate under the same mission and principles that have made it a trusted name in the car insurance industry.
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Products and Services Offered at Response Insurance
Response Insurance offers a range of car insurance products and services to meet the needs of drivers in different states. Here are some of the main products and services provided by the company:
- Liability coverage: This type of coverage protects you financially if you are found responsible for causing damage or injuries to other people or their property while driving. Response Insurance offers both bodily injury and property damage liability coverage.
- Collision coverage: This type of coverage pays for the repair or replacement of your car if it is damaged in an accident, regardless of who is at fault.
- Comprehensive coverage: This type of coverage pays for damages to your car that are not caused by a collision, such as theft, vandalism, fire, or weather-related damage.
- Rental reimbursement: If your car is being repaired after an accident, Response Insurance provides coverage for the cost of renting a car so you can continue driving.
- Roadside assistance: This service provides help when you need it most, such as when your car breaks down on the side of the road. Response Insurance’s roadside assistance coverage includes towing, battery jump-start, tire change, and fuel delivery.
The cost of Response Insurance’s products and services varies depending on factors such as your age, driving history, location, and the type of coverage you choose.
However, the company is known for offering affordable rates and multiple discounts to its customers. Currently, Response Insurance provides services in 17 states, including Arizona, California, Colorado, and Illinois.
Cost of Coverage by Response Insurance
The cost of insurance at Response Insurance varies depending on a variety of factors, such as the type of coverage you choose, your driving history, your location, and other personal factors.
However, Response Insurance is known for offering competitive rates and discounts to its customers to help them save money on their car insurance premiums.
To get an idea of how much your insurance might cost with Response Insurance, you can get a free quote on the company’s website.
To obtain a quote, you will need to provide some basic information about yourself, your vehicle, and your driving history. Response Insurance will then use this information to calculate your premium and provide you with a quote.
Available States Covered by Response Insurance
Response Insurance offers its car insurance products and services in several states across the United States.
- Arizona
- California
- Colorado
- Connecticut
- Florida
- Georgia
- Illinois
- Maryland
- Missouri
- Nevada
- New Jersey
- New Mexico
- New York
- Ohio
- Pennsylvania
- South Carolina
- Texas
It’s worth noting that insurance companies often update the states where they offer coverage, so it’s a good idea to check the company’s website or speak with a representative to confirm if Response Insurance is currently available in your state.
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Coverage Discounts With Response Insurance
Response Insurance offers several discounts to its customers to help them save money on their car insurance premiums. Here are some of the discounts available:
- Safe driver discount: If you have a clean driving record with no accidents or traffic violations, you may qualify for a safe driver discount.
- Multi-policy discount: If you have more than one insurance policy with Response Insurance, such as home insurance or renters insurance, you may qualify for a multi-policy discount.
- Good student discount: If you are a student with good grades, you may be eligible for a discount on your car insurance premiums.
- Pay-in-full discount: If you pay your entire insurance premium upfront instead of in monthly installments, you may be eligible for a discount.
- Anti-theft discount: If your car is equipped with anti-theft features such as an alarm system, you may be eligible for a discount.
- Defensive driving discount: If you complete a defensive driving course, you may be eligible for a discount on your insurance premiums.
- Low mileage discount: If you drive fewer miles than the average driver, you may qualify for a low mileage discount.
It’s worth noting that not all discounts are available in all states or for all customers. To find out which discounts you may be eligible for, it’s best to speak with a Response Insurance representative or check the company’s website for more information.
Customer Reviews for Response Insurance
Customer reviews can provide valuable insights into the experiences that other customers have had with Response Insurance. Here is a summary of some of the reviews available:
- Positive reviews: Many customers have praised Response Insurance for its competitive rates, helpful customer service, and easy-to-use website. Customers also appreciate the range of discounts available and the flexibility in payment options.
- Negative reviews: Some customers have reported issues with Response Insurance’s claims process, such as delays in processing claims or difficulty in getting in touch with claims representatives. Some customers have also reported issues with billing and payment, such as unexpected charges or difficulty in canceling policies.
Overall, Response Insurance has received mixed reviews from customers, with many customers reporting positive experiences and others reporting negative experiences.
It’s worth noting that insurance companies can receive negative reviews due to a variety of factors, such as individual circumstances or misunderstandings, so it’s important to consider a range of reviews and do your own research before making a decision about an insurance company.
Roundup: Response Insurance
In conclusion, Response Insurance is a car insurance company that has been providing coverage to customers since 1994. The company’s mission is to provide affordable and reliable car insurance products and services to its customers, while also offering a range of discounts to help them save money on their premiums.
Response Insurance offers a variety of car insurance products, including liability insurance, collision insurance, and comprehensive insurance.
The cost of insurance varies depending on a variety of factors, but Response Insurance is known for offering competitive rates and discounts to help customers save money.
Overall, Response Insurance may be a good option for customers looking for affordable car insurance with a variety of discounts available.
As with any insurance company, it’s important to do your own research and consider a range of factors, such as coverage options, cost, and customer service, before making a decision.