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Arbella Car Insurance Review

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Introduction

Arbella Car Insurance offers economical car insurance for both minimum and full coverage products. The annual rate for a minimum-coverage policy is $536, which is a few dollars more than the average. However, Arbella's full-coverage policy is $54 less per year than the average of its competitors.

 

Pros and Cons

Pros Cons
Car insurance premiums are much lower than the national average. Personal and auto insurance is limited to Massachusetts and Connecticut
Local independent agents can provide in-person assistance, which may be the best option for folks requiring individualized attention.  
Provides unique coverages such as original equipment manufacturer (OEM) and personal property insurance.  
Many discounts are available.  

Unique Features

  • Option to pay online
  • Endorsement of Personal Property
  • Offers great customer care packages

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Coverages

Arbella offers its customers plenty of coverage.

Comprehensive coverage: This is indeed huge coverage. While your car is not being driven, it is covered for damage caused by severe weather, fire, vandalism, theft, fire, flood, and falling objects.

Collision Coverage: Collision coverage is offered when your car collides with another car or in a single-vehicle crash. It can also be offered in other instances, such as slipping on ice and colliding with a tree, which are examples of this.

 

Additional Coverages

Gap Coverage: In the event that your automobile is totaled in an accident, gap coverage pays the rest of your car loan or lease, regardless of its current value.

Disappearing deductible: Your deductible is reduced by $100 each year you stay accident-free. The most you can save is $500.

Rates by state

State State Average Cost Estimate
Connecticut $1897
Massachusetts $2670

Discounts

Arbella offers a variety of discounts to policyholders that could result in significant savings for eligible drivers. Many of Arbella's discounts are simple to qualify for most drivers. The discounts available and the amount you can save, on the other hand, differ by state. The following are the discounts that Arbella offers.

  • Anti-theft discounts
  • Multi-car discounts
  • Multipolicy discounts
  • Pay-in-full discounts
  • Sign up discount
Discount Massachusetts Connecticut
Anti-theft devices 36% 15%
Multi-car devices 2% 25%
Multi-policy discounts 13% 12%
Pay-in-full discounts 6% 6%
Sign up discount 12% 12%

Customer Satisfaction and Feedback

According to the National Association of Insurance Commissioners, the insurer receives far fewer complaints from policyholders than expected (NAIC).

Customers of Arbella are generally pleased with the service they receive. AM Best also gave the company an "A" financial stability rating, indicating that it has a strong ability to pay claim settlements even in adverse economic times.

However, in the New England region, where Arbella offers insurance, J.D. Power gave Arbella's service a lower-than-average rating. Arbella was ranked 11th out of 13 companies examined by J.D. Power.

Way.com Summary

Arbella Insurance Group is a regional property and casualty insurance firm based in Quincy, Massachusetts. It offers commercial and personal insurance throughout Massachusetts and Connecticut, as well as business insurance in Rhode Island and New Hampshire.

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Arbella’s Charitable Causes

Arbella Insurance along with Arbella Foundation plays an important role in their local community. Arbella Foundation has joined hands with many charitable foundations like ‘The Jimmy Fund’, ‘IMPACT Melanoma’, ‘Special Olympics Massachusetts’ etc. to lend a hand to the unprivileged.

Arbella Foundation supports the following programs:

  • Educational programs that give students hands-on access to and experience in art, music, and science.
  • Organizations that support healthy lifestyles
  • Organizations that provide food and shelter.
  • Organizations for social equality, immigrant advancement, veterans and military families, and individuals with disabilities.

About Arbella

Arbella Insurance was established in 1988, providing the company with over three decades of experience in the insurance market. Currently, the insurance firm only provides coverage in Massachusetts, Connecticut, New Hampshire, and Rhode Island. Not all goods are available in every state.

Despite its tiny size, Arbella operates six claim offices throughout New England, making it the only regional insurer to do so. The carrier lays a great emphasis on customer service and gives every one of its valued policyholders individual attentions.

Arbella has written over 3 million insurance policies and paid out over $10 billion in claims to date.

In 2019, Arbella Insurance allegedly made $35.9 million in sales. In addition, the insurance firm posted a $649.5 million surplus.

History of Arbella

Arbella was founded in 1988 by a special act of the Massachusetts legislature to take over the operations of the Kemper Group, an insurance company looking to exit the state's struggling auto insurance market at the time.

Arbella's founders saw an opportunity to expand on Kemper's achievements by enhancing and strengthening their strong ties with a top network of independent agents. Arbella's commitments at the time to keep hundreds of staff employed were also significant.

Arbella continued to establish financial strength on behalf of policyholders as a mutual corporation controlled by them. Arbella's mission has always been and will continue to be to deliver great client service and satisfaction while focusing on relationship management, risk selection, and loss management.

Charitable Causes

At Arbella, service has taken on a whole new meaning during the last decade. The Arbella Insurance Foundation was established in 2004 to help nonprofit groups that have a significant positive influence on Arbella's customers and communities.

Arbella's devotion to the communities it serves has an impact that may be felt all over New England. What began as a simple idea to do the right thing has grown into an important aspect of the firm.

Since the Foundation's inception, Arbella workers have completed over 1,000 volunteer hours per year. The Foundation has given more than $13 million to 960 different nonprofits in just seven years. Arbella is passionate about giving back to the community and does so as often as they can.

The Foundation launched a special initiative called "50 to 25" to honor Arbella's 25th anniversary, through which it granted one-time $50,000 contributions to 25 local organizations across Massachusetts, New Hampshire, and Connecticut.

From ideas painstakingly submitted by Arbella employees, independent insurance agents, and loyal philanthropic partners, the Foundation's Selection Committee chose the 25 recipient charities. In September of 2013, at a celebratory luncheon, checks were delivered to the selected charity.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

FAQ

Does Arbella insurance cover rental cars?

If your car is being repaired after an accident, you may be covered by a rental car up to a certain maximum, depending on the coverage you selected on your Arbella auto insurance policy. You will be compensated for automobile rental up to a certain level if the car is considered a total loss.

How to get a car insurance quote with Arbella?

To get a car insurance quote with Arbella, dial 1-800-ARBELLA.

What states does Arbella cover?

Arbella offers insurance in Massachusetts, Connecticut, New Hampshire, and Rhode Island.

Is Arbella insurance a good company?

Both A.M. Best and BBB have given it outstanding ratings, and it offers a variety of coverage options, including house insurance, auto insurance, umbrella liability insurance, business insurance, and more.

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