Founded in 1955 in Birmingham, Alabama, Infinity insurance is an insurance policy provider that offers auto insurance to drivers with imperfect driving records, low credit scores, or SR-22 filings. It also offers business and homeowners insurance.
Are you the type who prefers flexible options when it comes to purchasing insurance policies, and you’re looking for an insurance company with a website where you can access or change your policy at any time without leaving your home or workplace to fill out any forms?
Do you have an imperfect driving record in California and are wondering how you can get an auto insurance policy in the state?
All you need to know about infinity auto insurance will be discussed in this infinity auto insurance review. Carefully read through.
Table of contents
What Is Infinity Insurance?
Founded in 1955 in Birmingham, Alabama, Infinity insurance is an insurance policy provider that offers auto insurance to drivers with imperfect driving records, low credit scores, or SR-22 filings. It also offers business and homeowners insurance.
Infinity Insurance provides a variety of coverage options, including conventional collision, comprehensive, liability, and uninsured motorist coverage, according to Infinity Property & Casualty Corporation.
When obtaining an infinity insurance quote, you have the choice of selecting from numerous tiers of coverage with varying limits and options. Alternatively, you can create a bespoke coverage plan.
Why Should I Use Infinity Insurance?
The following are some of the reasons why infinity insurance may be a good fit for you
- AM Best has given Infinity Insurance an A rating for its ability to meet its insurance financial obligations, such as paying claims.
- Infinity’s website allows you to check or amend your policy, make payments, record a claim, and much more.
- When it comes to filing a claim with Infinity Insurance, the firm offers a flexible option in which policyholders can sit in the comfort of their own home or workplace, log in to their Infinity account, or contact the 24/7 service number.
- As a policyholder, you can use Infinity’s mobile phone app to access ID cards, manage claims, and make payments. You can also use the app at any moment to request DriverClub roadside assistance.
- It’s also worth noting that J.D. Power and Standard & Poor’s do not rate Infinity Insurance (S&P). According to the National Association of Insurance Commissioners (NAIC) Company Complaint Index, it has a complaint index of 15.62, which is much higher than the national baseline.
- So, if you want to buy a policy from Infinity Insurance, be sure to complete your research and consult with an expert so that you can make smarter insurance decisions.
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How Does Infinity Insurance Work?
Infinity Insurance provides homes insurance, business insurance, and a roadside membership club known as the Infinity DriverClub. Prospective insureds who value convenience can rely on in-person service from local agents and brokers, as well as a mobile app, for all of their insurance needs.
If you live in California and are having difficulty finding insurance, Infinity may be a viable choice. It specializes in non-standard insurance, such as coverage for drivers with a poor driving record, low credit ratings, or SR-22 filings. Infinity offers non-owner insurance if you don’t own a car but still drive.
Infinity allows you to start your quote online and get rates using your basic personal and vehicle information, all you need to do is to types it URL on your smartphone or computer, and you can set the bell tolling from there.
However, the online quotes don’t contain much detail, and you’ll need to speak with an agent to customize your coverage and apply any discounts. You can also finish your policy purchase by calling its customer service line, using its chat tool to acquire a quote, or calling an agent directly during business hours.
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Infinity Auto Insurance Coverages
Infinity insurance offers standard collision, comprehensive, liability, and uninsured motorist coverage, Infinity Property & Casualty Corporation covers all the bases when it comes to auto insurance.
Aside from these, there are only a few types of add-on optional coverage for drivers who want to further customize their insurance.
The following are some of the coverage options available through Infinity’s insurance:
1. Infinity DriverClub
Infinity DriverClub is a free membership program that provides roadside assistance coverage for basic repairs, towing, battery maintenance, and refueling if a car breaks down. While membership is free, users must pay for the services they use when they require them. Even if they are a passenger, they can request assistance.
2. Personal Injury Protection (PIP)
In no-fault states, PIP is required. It pays for medical expenditures and lost wages following an accident, regardless of who is at fault.
SR-22 certificate files are also available from Infinity Insurance. An SR-22 certificate verifies that a driver has at least the state’s minimum insurance levels. If a driver’s license has been suspended, they will likely require an SR-22.
When obtaining an insurance quote, you can select from multiple tiers of coverage with varying limits and options or design your coverage plan.
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Infinity also offers other types of insurance, and it may offer these insurance policies through several insurers, including its parent company, Kemper, depending on your state. You’ll be told who your insurer will be during the quote process. Below are other types of insurance offered by infinity:
- Motorcycle, ATV, RV, and boat insurance
- Business insurance
- Flood insurance
- Life insurance
- Infinity also offers these types of insurance as Kemper products:
- Commercial auto insurance
- Home, condo, renters, and mobile home coverage
Infinity Auto Insurance Discounts
Infinity Auto Insurance offers many of the same discounts as other insurers, such as owning numerous cars on your policy, being a cautious driver, paying your premium in full, setting up automatic payments, and being a homeowner. They also offer drivers a 15% discount who switch from their previous insurance companies.
In the event of an automobile emergency, all policies include Driver Club roadside assistance, which offers members access to Infinity’s network of providers. The membership is free, but members must pay for each service they use, such as towing when they use it.
- Discounts based on your auto insurance policy, Switch-and-save: If you switch from another insurance carrier to Infinity, you can save up to 15%.
- Discounts based on the driver’s or vehicle’s: To save money, insure more than one car on the same insurance policy.
- Safe driver: A solid driving record is rewarded with lower rates, which can be up to 25% lower.
- Pay in full: If you pay your premium in full, you may be entitled to a discount of up to 15%.
How do I Get an Infinity Auto Insurance Quote?
You start your quote with Infinity online and get pricing based on your basic personal and vehicle details. Infinity online quotes, on the other hand, don’t have much information, you’ll need to chat with an agent to personalize your coverage and apply any discounts.
Within business hours, you can finalize your insurance purchase by calling the company’s helpline, using Infinity’s chat tool to acquire a quote, or calling an agent directly.
Let’s have a look at the cost of infinity insurance policies and see what coverage options and discounts are available. But before we get to the cost, let’s take a look at the elements that influence the prices of its insurance.
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Factors That Affect The Cost Of Policies At Infinity Insurance
Insurers offer unique rates depending upon individual factors, and they’re are:
- Your driving record
- Location
- Your age
- Type of vehicle and how you use it
- Credit-based insurance score, etc
What is the Cost of Infinity Auto Insurance?
According to Bankrate’s 2023 analysis of average quoted yearly premiums, a full coverage vehicle insurance policy from Infinity Insurance costs $1,859 per year and $847 for basic coverage insurance. The national average cost of full coverage vehicle insurance in the United States is $1,674 per year.
Pros and Cons of Infinity Auto Insurance
Pros
- A rating from AM Best
- Infinite specializes in “low standard insurance” for imperfect drivers and those with poor credit or who require an SR-22.
- Specializes in non-owner insurance for drivers without cars
- Customer service includes a network of local agents and online chat.
Cons
- Compared to other insurers, they have one of the highest complaint rates.
- Only a few optional coverages (endorsements) are available to customize your insurance.
- Automobile insurance is only available in California.
How To File A Claim With Infinity
You can file a claim online through Infinity’s mobile app or by calling 800-334-1661. The adjuster will use your policy number to open a claim ticket when you call. They’ll ask some basic questions and take a preliminary statement from you to determine what kind of claim you’re filing. You can then upload police reports and other necessary paperwork related to your claim online or through the mobile app.
Frequently Asked Questions On Infinity Auto Insurance
Infinity insurance is a policy provider that provides auto insurance to drivers that have a poor driving record, a low credit score, or an SR-22 file.
Yes, SR-22 filing is available via Infinity Insurance. An SR-22 is not a standalone insurance policy, but rather a supplement to an existing auto insurance coverage.
You can file an Infinity insurance claim by logging in to your Infinity account or calling their 24/7 service number. For third-party claims, all filing must be made through the service number.
If you don’t live in California, consider Kemper Insurance, Infinity Insurance’s parent business. Kemper offers a variety of insurance products, including homeowners, renters, condos, mobile homes, flood insurance, and non-standard car insurance.
Conclusion
When looking for the best auto insurance companies, it’s critical to know what kind of coverage you want and what you’re required to buy, since if you don’t know what kind of insurance you want, you could end up in the wrong hands or purchase the wrong plan when there are many better options available.
If you have a poor driving record and live in California, you may consider flexible options like infinity auto insurance.
We hope this infinity insurance review has given you all the information you require about the organization.
References
- bankrate.com – Infinity Insurance Review 2023: Car, home and life
- thebalance.com – Infinity Car Insurance Review
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