Spectrum Insurance Review & Ratings (2023)

This Spectrum Insurance Review will cover Spectrum Insurance ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. To compare insurance rates from the best companies in your area, enter your ZIP code below.

UPDATED: Mar 23, 2023Fact Checked

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Mar 23, 2023

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Company Details
Address: 318 N Bridge St
City: Chippewa Falls
State: WI
ZIP Code: 54729
Phone Number: (715) 723-8135
Year Founded: 1995
AM Best Rating: A+
Company Rating 0 (0 reviews)

Looking for affordable insurance rates? Look no further than Spectrum insurance. As a company with a strong history and mission, Spectrum offers competitive prices and a variety of discounts to help you save money. With its commitment to customer service and high-quality products, Spectrum is a top choice for insurance in many states.

Interesting Attributes:

  • Competitive prices for insurance
  • Wide variety of discounts available
  • Commitment to customer service

If you’re in the market for insurance, Spectrum is definitely a company worth considering.

Spectrum Insurance History and Mission

Spectrum was founded in 1995 with the mission of providing high-quality, affordable insurance products to its customers. They began operations in Florida and have since expanded to several other states, including Georgia, South Carolina, Texas, and Colorado.

The company was founded by a team of insurance industry veterans who recognized the need for a new kind of insurance provider. They believed that by combining cutting-edge technology with a strong commitment to customer service, they could offer a better experience for customers than traditional insurance companies.

They have continued to invest in new technology and tools to make the insurance process easier and more convenient for their customers while also providing personalized service and attention to detail that sets them apart from their competitors.

In addition to its commitment to providing high-quality insurance products, Spectrum is also dedicated to giving back to the communities they serve. They support a variety of charitable organizations and initiatives, including education, healthcare, and environmental causes.

Overall, Spectrum’s history and mission reflect its commitment to innovation, customer service, and community involvement. As they continue to grow and expand their operations, they remain focused on providing affordable insurance products and exceptional service to their customers.

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Spectrum Insurance Products and Services

Spectrum offers a range of products and services to meet the needs of its customers. These include:

  • Auto insurance: Spectrum offers standard car insurance coverage, including liability, collision, and comprehensive coverage. They also offer a range of additional coverage options, including uninsured motorist coverage, roadside assistance, rental car reimbursement, and more. Customers can choose from a variety of deductibles and coverage limits to customize their policy to their specific needs.
  • Home insurance: Spectrum offers homeowners insurance to protect customers’ homes and personal property. Their policies typically include coverage for the dwelling, other structures on the property, personal property, and liability. They also offer additional coverage options, such as flood insurance and earthquake insurance.
  • Business insurance: Spectrum offers a range of insurance products for businesses, including general liability insurance, property insurance, and commercial auto insurance. They can also provide customized insurance solutions for specific industries, such as construction or hospitality.
  • Life insurance: Spectrum offers life insurance policies to provide financial security for customers and their loved ones. Their policies typically include coverage for death benefits and can be customized to meet individual needs.
  • Health insurance: Spectrum offers a range of health insurance products, including individual and family health insurance plans, Medicare supplemental insurance, and short-term health insurance.

Spectrum Ialso offers a variety of discounts to help their customers save money on their insurance premiums. These discounts include multi-policy discounts, safe driver discounts, good student discounts, and more.

In which states is Spectrum insurance offered?

Spectrum insurance is currently available in several states across the United States. These states include:

  • Florida
  • Georgia
  • South Carolina
  • Texas
  • Colorado

It’s worth noting that insurance coverage and availability can vary by state, and not all insurance products may be available in all states. Additionally, insurance regulations can vary by state, which can affect the types of products and services that Spectrum Insurance can offer in each state.

If you’re interested in purchasing insurance from Spectrum, it’s recommended that you check with the company directly to see what products and services are available in your state.

How much does Spectrum insurance cost?

The cost of insurance from Spectrum can vary depending on a number of factors, including the type of coverage you need, your location, your driving history, and more. Insurance rates can also be affected by external factors such as changes in the economy and insurance regulations.

Overall, the cost of insurance from Spectrum will depend on a variety of factors, but the company strives to provide affordable options and offers discounts to help customers save money on their premiums.

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Spectrum Insurance Discounts

Spectrum offers a variety of insurance discounts to help customers save money on their premiums. Here’s a closer look at some of the discounts offered by the company:

  • Multi-policy discount: Customers who have multiple insurance policies with Spectrum, such as car insurance and home insurance, can receive a discount on their premiums.
  • Safe driver discount: Customers with a good driving record can qualify for lower insurance rates. This discount is typically offered to customers who have not had any accidents or traffic violations in a certain period of time.
  • Good student discount: Students with good grades can qualify for lower insurance rates. This discount is typically offered to full-time students who maintain a certain grade point average.
  • Homeowner discount: Customers who own a home can qualify for discounts on their car insurance premiums. This discount is typically offered to customers who own a home and insure it through Spectrum.
  • Bundling discount: Customers who bundle their car and home insurance policies can receive discounts on their premiums. This discount is similar to the multi-policy discount, but it specifically applies to customers who bundle their car and home insurance policies with Spectrum.

In addition to these discounts, Spectrum also offers a variety of other ways to save money on insurance, such as discounts for having safety features in your car or for completing a defensive driving course. The company’s goal is to provide affordable insurance options for its customers and to help them save money on their premiums.

What are customers saying about Spectrum insurance?

Customer reviews of Spectrum insurance are generally positive, with many customers praising the company’s affordability, customer service, and ease of use. Here are some common themes that appear in customer reviews:


  • Affordable rates: Many customers appreciate the competitive rates offered by Spectrum, which can make it easier to get the coverage they need without breaking the bank.
  • Great customer service: Several customers have praised the company’s customer service team for being friendly, helpful, and responsive. Many customers appreciate the personalized attention they receive from agents when they have questions or concerns about their policies.
  • Easy to use: Several customers have noted that the process of getting a quote or setting up a policy with Spectrum is quick and easy, with a user-friendly website and helpful online tools to guide customers through the process.


  • Limited availability: Some customers have noted that Spectrum insurance is only available in a few states, which can be a drawback for customers who live in areas where the company doesn’t offer coverage.
  • Mixed reviews on claims: While many customers have had positive experiences with the claims process, some have reported difficulties getting claims processed or receiving timely payments.

Overall, customer reviews of Spectrum insurance are generally positive, with many customers reporting satisfaction with the company’s rates, customer service, and ease of use. However, as with any insurance company, there are some negative reviews as well, particularly around limited availability and occasional difficulties with the claims process.

Roundup: Spectrum Insurance

If you’re looking for affordable insurance rates and excellent customer service, Spectrum is definitely a company worth considering. With a strong reputation for quality and a variety of discounts available, they are a top choice for many across the country. So why not get a quote today and see how much you can save on your insurance?

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