Access Auto Insurance Company Review

Access Auto Insurance Company Review

Access
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Access
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Here's what we think about Access Auto Insurance, from where their quotes measure to other companies to their customer service and feedback.

Contents

Comparing auto insurance quotes from Access

Let's take a look at how quotes from Access Auto Insurance compare to other established national providers such as Esurance or Allstate. In these comparisons, we'll show sample quotes for a couple of different driver profiles, so take a look at the profile that best matches your background.

Access
Esurance
Allstate
USAA

Single Male, 19

$1,954$1,883$2,380$795

Single Male, 31

7581,065881503

Single Male, 43

688992837498

Single Female, 19

1,6481,8661,997819

Single Female, 31

7581,061894523

Single Female, 43

688985863540

Married Couple, 20s

1,0061,5041,212796

Married Couple, 60s

9641,172726770
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These sample quotes were obtained from our California auto insurance rate comparison for a 2012 Toyota Camry with 15/30/5 liability limits. Based on California data, Access ranked among the cheaper half of the 52 companies surveyed with overall car insurance rates that were 4% cheaper than the state average. In the sample above, we see that car insurance rates at Access are lower than Esurance or Allstate, with the exception of Allstate's rates for a pair of husband and wife motorists in their mid 60s — they'd save 25% off of Access's rates by getting quotes at Allstate.

We've also provided quotes from USAA - if you're a member or family member of someone in the armed forces, these are by far the best rates you can get on auto insurance. If we compare the average of the composite profiles, rates from Access are 61% more expensive than USAA's ($1,058 vs. $656). Those are savings of about $402 on average on a composite basis. These data points illustrate the importance of getting at least three quotes from different auto insurers.

Find Cheap Auto Insurance Quotes in Your Area

Currently insured?

A review of Access Auto Insurance Company

Unfortunately, while car insurance costs at Access are slightly below market, we find there are a number of detractions from their service. They have poor ratings from industry organizations such as the Better Business Bureau, and their complaint index is quite high as well for their size.

Pros

Cons

Some functionality to their website: printable ID cards are available directly online

Not easy to get claims department on the phone when you need them

Majority of reviews on customer service tend to be quite negative

Horrible Better Business Bureau rating
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The conveniences of Access Insurance

If you happen to insure yourself with Access you'll be glad to know about a few services they offer in which you can take advantage of. First, you are able to make your payments in a variety of ways, from credit and debit cards to eChecks. Second, Access has 24/7 support for both English and Spanish speaking individuals. Finally, Access's website allows policyholders to download and print their Access ID cards. This can come in handy in the event you lose your card and don't feel like calling and waiting around for the insurance company to send you a new one.

Ratings and financials for Access

A look at Access Insurance revenue and popular business ratings:

Metric

Rating

AM Best Financial Rating

B+

Better Business Bureau Rating

F

Complaint Index (CA, 2013)

2.01 (Worse than Average)

Annual Revenue (2009)

$278 Million
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Insurance discounts at Access

Here are the discounts available on auto insurance from Access Insurance, headquartered in Atlanta, GA. The discounts available to you will depend on the state of your auto insurance policy and your driving situation:

Discount Type

Discount Amount

Airbag

8%

Anti-Theft Device

15%

Anti-Lock Brakes

15%

Good Student

2.5%

Mature Drivers Course

5%

Multi-Car

10%

Persistency Credit

12%
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Source: California Department of Insurance, 2013

How to file a claim

To report a claim with an Access Insurance representative:

Phone Number: 866-747-6931

  • Press 2 to file a new claim
To speak to a customer care representative at Access Insurance, call 877-353-9838
  • Press 6 for questions concerning your policy
  • Then, press 5 to ask any question you may have
  • Wait to be connected to a Customer Service Representative

About Access Insurance Company

Access Insurance Company sells both specialty P&C and automobile insurance. The company was founded in 1994 and is currently licensed to sell its insurance products in 22 states nationwide including but not limited to Pennsylvania, Florida, South Carolina, Georgia, Tennessee, Mississippi, Alabama, Louisiana, Texas, Oklahoma, New Mexico, Arizona, Nevada and California.

Mark is a Senior Research Analyst for ValuePenguin focusing on the insurance industry, primarily auto insurance. He previously worked in financial risk management at State Street Corporation.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.