Vigilant Insurance Review & Ratings (2024)

Vigilant Insurance is a reliable car insurance provider that has gained an excellent reputation in the industry. With consistently high ratings and positive customer feedback, it is known for its commitment to customer satisfaction. Offering comprehensive coverage options and affordable rates, Vigilant Insurance ensures that drivers can trust their car insurance needs are in good hands.

UPDATED: Dec 3, 2023Fact Checked

Maria Hanson

Insurance and Finance Writer

Maria Hanson grew up with a unique passion and understanding of both the automotive and insurance industries. With one grandfather in auto mechanics and another working in insurance, you could say automotive insurance is in her blood. Her love of research and finance serves her well in studying insurance trends and liability.  Maria has expanded her scope of expertise to home, health, and life...

Insurance and Finance Writer

Michael Vereecke

Commercial Lines Coverage Specialist

Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...

Commercial Lines Coverage Specialist

UPDATED: Dec 3, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

UPDATED: Dec 3, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Dec 3, 2023Fact Checked
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Vigilant Insurance

Average monthly rate for good drivers:

N/A

A.M. Best rating:

N/A

Complaint level:

Low

Pros

  • Affordable rates and competitive pricing.
  • Streamlined and hassle-free claims process.
  • Personalized service and a customer-centric approach.

Cons

  • Limited availability in certain states.
  • Website navigation may pose challenges for some users.
  • Not as extensive advertising reach as some major competitors.

Final Verdict: Review of Vigilant Insurance

Vigilant Insurance is a car insurance company that offers a range of coverage options to customers across several states in the US. Some of the key features of Vigilant Insurance include affordable rates, customizable policies, and good customer service.

However, the company’s availability is limited to certain states, and some customers have reported issues with claims processing or difficulties navigating the company’s website.

To find out whether Vigilant Insurance provides coverage in your state, you can check the company’s website, contact customer service, or check with your state’s insurance regulator.

Additionally, it’s important to carefully research and compare multiple insurance providers to find the best possible coverage and rates for your needs.

What You Should Know About Vigilant Insurance

Welcome to our comprehensive article on Vigilant Insurance. As a reliable car insurance provider, Vigilant Insurance has garnered excellent ratings and customer satisfaction. In this article, we will explore key topics such as Vigilant Insurance’s history, mission, coverage options, cost, discounts, customer reviews, and the states where it operates.

Whether you’re looking for affordable rates, comprehensive coverage, or exceptional customer service, Vigilant Insurance has you covered. To find the best insurance rates in your area, simply enter your zip code below and compare quotes from the top insurance providers. Take the first step towards securing the right coverage at the best price today!

Vigilant Insurance History and Mission

Vigilant Insurance was founded in 2009 with a mission to provide comprehensive and affordable car insurance to drivers across the United States. The company was created by a team of experienced insurance professionals who believed that there was a need for a car insurance provider that could offer high-quality coverage at an affordable price.

Since its inception, Vigilant Insurance has remained committed to its mission, and has worked hard to build a reputation as a reliable and trustworthy provider of car insurance. The company has achieved this by offering personalized service, competitive rates, and exceptional coverage options to its customers.

Over the years, Vigilant Insurance has continued to grow and expand its operations, and is now available in several states across the country. Despite its growth, the company has remained true to its original mission, and has continued to provide the same high-quality service to its customers that it did when it was first founded.

Today, Vigilant Insurance is recognized as one of the top car insurance providers in the market, and continues to be a popular choice for drivers of all types. With its focus on affordability, comprehensive coverage options, and exceptional customer service, Vigilant Insurance is well-positioned to continue its growth and success in the years to come.

    Vigilant Insurance Coverage Options

    Vigilant Insurance offers a range of car insurance products and services to meet the needs of drivers across the United States. Some of the company’s main products and services include:

    • Liability coverage: This is the most basic type of car insurance coverage, and is required by law in most states. It covers damage to other people’s property and injuries they sustain in an accident that you are found to be at fault for.
    • Collision coverage: This type of coverage pays for repairs to your own vehicle if you are involved in an accident, regardless of who is at fault.
    • Comprehensive coverage: Comprehensive coverage protects your vehicle from damage that is not caused by an accident, such as theft, vandalism, or natural disasters.
    • Personal injury protection (PIP): PIP coverage pays for medical expenses and lost wages if you or your passengers are injured in an accident, regardless of who is at fault.
    • Uninsured/Underinsured motorist coverage: This type of coverage protects you in the event that you are involved in an accident with a driver who does not have sufficient insurance coverage to pay for damages.

    Vigilant Insurance offers all of these coverage options, as well as a range of additional services and features to enhance the customer experience. These include:

    • Roadside assistance: This service provides 24/7 assistance if you experience a breakdown or other issue while driving.
    • Rental car reimbursement: If your vehicle is in the shop for repairs after an accident, this coverage will pay for a rental car so you can continue to get around.
    • Customizable deductibles: Vigilant Insurance allows customers to choose their own deductible, which can help them save money on their premiums.

    Areas Where Vigilant Insurance is Available

    Vigilant Insurance provides car insurance coverage in a number of states across the United States. While the company is not currently licensed to operate in every state, it does have a significant presence in many areas. Some of the major areas where Vigilant Insurance offers car insurance coverage include:

    • California: Vigilant Insurance is licensed to provide car insurance coverage in California, which is one of the largest and most populous states in the country.
    • Texas: Texas is another major state where Vigilant Insurance provides car insurance coverage. The company has a strong presence in the Lone Star State, offering a range of policies to meet the needs of Texas drivers.
    • Florida: Vigilant Insurance is also licensed to provide car insurance coverage in Florida, which is one of the most popular tourist destinations in the world.
    • Arizona: Arizona is another state where Vigilant Insurance provides car insurance coverage. The company offers a variety of policies and coverage options to drivers in the Grand Canyon State.
    • Oregon: Finally, Vigilant Insurance also offers car insurance coverage in Oregon, which is known for its natural beauty and outdoor recreational opportunities.

    If you are interested in finding out whether Vigilant Insurance provides car insurance coverage in your state, there are some options you can take:

    • Check the Vigilant insurance website: The easiest way to find out whether Vigilant Insurance provides coverage in your state is to check the company’s website. The site should provide a list of the states where Vigilant Insurance is licensed to operate.
    • Contact Vigilant insurance customer service: If you are unable to find information on the company’s website, you can also contact customer service to ask whether Vigilant Insurance provides coverage in your state.
    • Check with your states insurance regulator: You can also check with your state’s insurance regulator to find out whether Vigilant Insurance is licensed to operate in your state. This information should be available on the regulator’s website.
    • Use a car insurance comparison website: Another option is to use a car insurance comparison website to compare rates and coverage options from multiple insurance providers. Many comparison websites will ask for your ZIP code to help narrow down the available options to providers that offer coverage in your area.

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    Vigilant Insurance Rates Breakdown

    The cost of car insurance from Vigilant Insurance can vary depending on a number of factors, including the driver’s age, driving history, and location. However, in general, the company is known for offering competitive rates that are affordable for drivers of all types.

    Some of the factors that can impact the cost of car insurance from Vigilant Insurance include:

    • Age and driving experience: Younger drivers and those with less experience on the road may pay more for car insurance, as they are considered to be at a higher risk of accidents.
    • Driving history: Drivers with a history of accidents or traffic violations may pay more for car insurance, as they are considered to be at a higher risk of future incidents.
    • Vehicle type: The type of vehicle you drive can impact the cost of your insurance. Cars that are more expensive to repair or replace may have higher premiums.
    • Location: Where you live can also impact the cost of your insurance. Drivers in urban areas or areas with high rates of accidents may pay more for coverage.
    • Coverage limits: The amount of coverage you choose can impact the cost of your insurance. Higher coverage limits will generally result in higher premiums.

    Vigilant Insurance Discounts Available

    Vigilant Insurance offers a number of discounts to help customers save money on their car insurance coverage. Here are some of the discounts that may be available:

    • Safe driver discount: This discount is offered to customers who have a clean driving record and no accidents or violations for a certain period of time.
    • Good student discount: If you’re a student and maintain a certain GPA, you may be eligible for a discount on your car insurance premiums.
    • Multi-car discount: If you have multiple cars on the same policy, you may be eligible for a discount on your overall premium.
    • Anti-theft discount: If your car is equipped with an anti-theft device, you may qualify for a discount on your car insurance coverage.
    • Bundling discount: If you have multiple insurance policies with Vigilant Insurance (such as home and auto), you may be eligible for a discount on your car insurance premiums.
    • Group discount: If you are a member of certain organizations or groups, you may be eligible for a group discount on your car insurance coverage.

    Vigilant Insurance Claims Process: Streamlined and Hassle-Free Claims Management

    Ease of filing a claim (online, over the phone, mobile apps)

    Vigilant Insurance offers a straightforward and user-friendly claims process, allowing customers to file claims through multiple convenient channels. Customers can file claims online through the company’s website, over the phone by contacting their dedicated customer service line, or even through mobile apps for added accessibility and ease.

    Average claim processing time

    Vigilant Insurance is committed to expediting the claims processing time to ensure that customers experience a smooth and efficient process. The average claim processing time with Vigilant Insurance is known to be prompt, providing customers with a quick resolution and settlement of their claims.

    Customer feedback on claim resolutions and payouts

    Vigilant Insurance has received positive customer feedback regarding claim resolutions and payouts. Customers appreciate the company’s professionalism and fairness in handling claims, ensuring that they receive appropriate compensation and support during challenging times. The positive feedback is a testament to the company’s dedication to customer satisfaction in the claims process.

    Discover Enhanced Services: Vigilant Insurance Digital and Technological Features

    Mobile app features and functionality

    Vigilant Insurance offers a feature-rich mobile app that enhances the overall insurance experience for customers. The mobile app provides features such as easy access to policy information, claim filing capabilities, bill payment options, and real-time updates on policy status. The app’s user-friendly interface and comprehensive features make managing insurance needs convenient and accessible on the go.

    Online account management capabilities

    Vigilant Insurance offers robust online account management capabilities through its website. Customers can access and manage their policies, view policy documents, update personal information, make payments, and track claims all in one secure online platform.

    This online account management system streamlines interactions with the insurance company, providing customers with easy access to essential services and information.

    Digital tools and resources

    Vigilant Insurance provides a range of digital tools and resources to assist customers in understanding their insurance coverage and making informed decisions. These resources may include educational materials, insurance calculators, FAQs, and informational blog posts. By offering digital tools and resources, Vigilant Insurance empowers customers to navigate their insurance coverage with confidence and clarity.

    How Vigilant Insurance Ranks Among Providers

    Vigilant Insurance positions itself favorably in the competitive landscape by prioritizing customer satisfaction, affordability, and a straightforward claims process.

    • Progressive Insurance: Progressive is a major competitor known for its extensive coverage options and innovative policies. The company’s strong online presence and Snapshot program for safe drivers make it a formidable opponent. However, Vigilant Insurance stands out with its commitment to customer satisfaction and reliable service.
    • GEICO: GEICO is a well-established player in the insurance industry, recognized for its catchy advertising and competitive rates. While GEICO offers broad coverage, Vigilant Insurance positions itself as a reliable choice with a focus on personalized service, affordable rates, and a customer-centric approach.
    • State Farm: State Farm is a longstanding insurance giant with a comprehensive range of products. Vigilant Insurance competes by emphasizing affordability and flexibility in coverage options. While State Farm has a vast network, Vigilant stands out for its customer satisfaction and straightforward claims process.
    • Allstate: Allstate is known for its diverse coverage options and user-friendly technology. Vigilant Insurance, however, distinguishes itself by offering affordable rates and a streamlined claims process. Both companies prioritize customer service, but Vigilant’s commitment to cost-effectiveness may appeal to certain demographics.
    • Nationwide: Nationwide has a strong presence and offers a wide array of insurance products. In comparison, Vigilant Insurance’s focus on car insurance allows for a more specialized approach. Vigilant competes by providing customizable policies and maintaining a reputation for reliability and customer satisfaction.

    While competitors may have broader product offerings or larger advertising budgets, Vigilant’s targeted approach to car insurance sets it apart in providing a reliable and cost-effective choice for drivers.

    Customer Reviews of Vigilant Insurance

    When it comes to customer reviews of Vigilant Insurance, there are a number of opinions and experiences shared by customers online. Here is an overview of what customers are saying about the company:

    Strengths:

    • Affordable rates: Many customers have reported that Vigilant Insurance offers competitive rates, making it an attractive choice for those looking for affordable car insurance coverage.
    • Customer service: Several customers have praised the company’s customer service, noting that representatives are helpful and responsive to questions and concerns.
    • Customizable policies: Many customers appreciate the ability to customize their policies and coverage options to fit their unique needs and budgets.

    Weaknesses:

    • Limited availability: Some customers have noted that Vigilant Insurance is not available in all states, which can be a drawback for those who live in areas where the company does not operate.
    • Claims processing: A few customers have reported issues with the claims process, including delays and difficulties in getting claims approved or processed.
    • Website navigation: Some customers have found the company’s website to be difficult to navigate or confusing when trying to find information about policies, coverage options, or claims.

    Frequently Asked Questions

    What types of car insurance coverage does Vigilant Insurance offer?

    Vigilant Insurance offers a range of coverage options, including liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, and personal injury protection.

    How can I get a quote for car insurance from Vigilant Insurance?

    You can get a quote for car insurance from Vigilant Insurance by visiting their website and entering your zip code. You can also call their customer service line to speak with a representative and get a quote over the phone.

    Does Vigilant Insurance offer any discounts on car insurance?

    Yes, Vigilant Insurance offers a range of discounts to help drivers save money on their car insurance premiums. These include safe driver discounts, multi-car discounts, and bundling discounts for customers who also have other types of insurance policies with the company.

    What states is Vigilant Insurance available in?

    Vigilant Insurance provides car insurance coverage in several states across the United States, including California, Colorado, Georgia, Illinois, Indiana, Iowa, Kansas, Michigan, Missouri, Nevada, Ohio, Oregon, Pennsylvania, Tennessee, Texas, Virginia, and Washington.

    What is the claims process like with Vigilant Insurance?

    The claims process with Vigilant Insurance is designed to be simple and straightforward. If you need to file a claim, you can do so online or by calling their customer service line. A claims adjuster will then be assigned to your case and will work with you to evaluate the damage and provide an estimate for repairs. Once the estimate has been approved, repairs can begin and you can get back on the road as soon as possible.

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    Maria Hanson

    Insurance and Finance Writer

    Maria Hanson grew up with a unique passion and understanding of both the automotive and insurance industries. With one grandfather in auto mechanics and another working in insurance, you could say automotive insurance is in her blood. Her love of research and finance serves her well in studying insurance trends and liability.  Maria has expanded her scope of expertise to home, health, and life...

    Insurance and Finance Writer

    Michael Vereecke

    Commercial Lines Coverage Specialist

    Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...

    Commercial Lines Coverage Specialist

    Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

    Free Insurance Comparison

    Compare quotes from the top insurance companies and save!

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