It is always hard to find an auto insurance policy for high-risk drivers. Even if you find one, you may need to pay higher amounts to get an insurance policy. So, your primary aim will be to find an insurer that provides a cheap insurance policy. That’s where Aspire General Insurance company turns out to be a blessing for you.
It could be one of the best auto insurance companies in California for high-risk drivers with prior violations on their records, or for those who are not qualified for coverage with other major insurance firms due to claims history or other risk factors. However, one drawback is that only California residents are eligible for Aspire auto insurance. The company sets its policies, which are distributed via a network of independent brokers around the state.
So, how much does an Aspire auto insurance policy cost? What are the coverages and discounts they offer? Our research answers all that!
|Offers bilingual service thereby assisting Spanish-speaking drivers through the coverage||The policies offered may be expensive|
|Provides flexible payment plans||Limited availability. The company provides insurance only in California.|
|Specializes in giving non-standard insurance for drivers in the high-risk category||AM Best has given only a B+ rating (good) on their website|
|Customers can manage and easily pay the premium online via the website|
|To get you insured quickly, automatic payments and e-signatures are available.|
Savings and Advantage are the two levels of auto insurance coverage offered by Aspire General. Each policy comes with the basic set of auto insurance coverages, including liability, comprehensive, and collision coverage, and the option to add or waive uninsured/underinsured auto coverage. In addition, both come with a collision deductible waiver if you’re in an accident caused by an uninsured driver, a permissive use endorsement, and, if necessary, filing an SR-22 with the DMV.
Aspire General’s Savings and Advantage insurance provide many unique features and additional coverage options. Both levels offer roadside service for an additional $5 per month, enrolling you in roadside assistance. Also, both feature the named non-owner coverage endorsement coverage, reserved for those who don’t own a vehicle but offer liability protection whenever you drive.
Features and coverages of Aspire General Savings
Features and coverages of Aspire General Advantage
Aspire Auto Insurance company normally offers lesser down payments on average for high-risk driversthan other carriers. This California-only insurer also provides flexible payment options. The average annual auto insurance price for minimal coverage is $1,183.
When calculating your Aspire Auto Insurancequote, the firm considersseveral factors. Factors like the type of car,driving history, and personal characteristics significantlyinfluence your premiums. Teenage drivers are nearly three times as likely to be involved in a collision than drivers over the age of 20. Because of the increased risk, they pay substantially higher rates than the normal driver.
Younger drivers pay an average of $1,750 per year with Aspire, while older drivers pay an average of $1,847 per year.Based on theage category, here's what drivers pay with Aspire Auto Insurance company.
Aspire Rates for Teen Drivers
Aspire Average Rates for Young Adults
Aspire Average Rates for Seniors
Aspire Auto Insurance for Good Drivers
|Average Premium for Good Drivers|
Aspire Auto Insurance for Drivers with a Speeding Ticket
|Average Premium for Drivers with a Speeding Ticket|
Aspire Auto Insurance for Drivers with a DUI
|Average Premium for Drivers with a DUI|
If you want to save money on your premium, Aspire provides many discounts worth checking into. But, Aspire provides fewer auto insurance discounts than other larger insurance firms. Some of them are dependent on age or participation in a program. If you have a clean driving record and want more discounts, you should check the policiesof major insurance companies.
|Discounts Available||What It Means|
|Claim Free Discount||If you don't have any accidents or claims, you can be eligible for a good driver discount.|
|Multi-Car Discount||You can save money if you insure multiple cars with Aspire.|
|Safe car Discount||You can get this discount if your vehicle has anti-lock brakes.|
|Anti-Theft Discount||Installing a tracker or alarm in your car may qualify you for this discount.|
|Good Student Discount||This discount may be available to students who are currently enrolled in school and have a high GPA.|
|Safe Driving Discount||Aspire General may reduce your premiums if you maintain a clean driving record for three years.|
|Multi-Driver Discount||You can save on your premiums by insuring more than one driver in the same household.|
|Mature Driver Discount||You may be eligible for a mature driver discount if you are 55 years old or older and have completed a state-approved driving safety course. You must submit your completion certificate to the company, which is valid for three years of discounts. After that, you'll have to retake the course to keep your discount.|
|Alcohol Education Awareness Discount||You may be eligible for an alcohol education awareness discount if you have completed a state-approved alcohol education awareness program and have no more than one alcohol- or drug-related violation on your record.|
The customers are satisfied that the company provides auto insurance to high-risk drivers. The majority of the negative Aspire Auto Insurance reviewsinvolve slow claims process and trouble contacting claims adjusters. Some customers also claim that Aspire customer service or connected representatives did not effectively address inquiries about their policies.
Aspire Auto Insurance may be a viable alternative for California drivers with and without dubiousdriving histories - past infractions, insurance lapses, flagrant violations, or an at-fault accident. They offer basic coverage options at reasonable prices with a variety of discounts. So, if you live in California, Aspire is a fantastic auto insurer to consider if you're a high-risk driver looking for a low premium insurance policy.
Aspire takes pride in providing dependable customer service and cutting-edge claims analysis. The company built a one-of-a-kind call center to give quick and responsive responses in real-time for both customer service and claims. It also provides bilingual assistance, which helps Spanish-speaking drivers. The company website also provides a cutting-edge 'Live Chat' option.
AM Best currently has given a rating of B+ for Aspire Auto Insurance. It means that the company has a reasonable chance of meeting all of its financial responsibilities and promises to policyholders. The main issue is that the company only provides insurance to drivers in California. So, it's critical to understand the limitations of your coverage and the provider if you pick Aspire Auto Insurance. Aspire General will not provide policies for the following things, in addition to not covering drivers outside of California.
Aspire General Insurance Company is a private passenger auto liability and bodily damage carrier based in Rancho Cucamonga, California.It underwrites the insurance sold by Aspire General Insurance Services, LLC, an affiliated general agency. Aspire claims to have over 100 years of combined managerial experience on its website. Aspire group of firms is responsible for all aspects of the insurance process, from the point of sale to claims processing.
|Type of Contact||Contact|
|Home Office||P.O. Box 870,
Rancho Cucamonga, CA 91729
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.
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