Acuity Insurance

Acuity Insurance

Good Ratings & Reviews for Acuity Auto Insurance

Acuity's Auto Insurance offering is well-rated: there are few complaints lodged with the Better Business Bureau or the NAIC that remain open or unresolved. As measured by AM Best, the company's ability to pay out its insurance claims is healthy. 

...but Average Agent Knowledge and No Anonymous Online Quoting

Acuity is a good option for people who want personal interaction, but our experience with agents was average. Agents we spoke with did not seem knowledgeable about Acuity's insurance offerings, and could only speak in generic terms about typical auto insurance liabilities and coverage. Additionally, in this internet age, we find the inability to obtain anonymous quotes online a disadvantage - consumers should be able to easily obtain quotes so that they can compare prices online and make an informed decision about what auto insurance to get. This is why we like Allstate (our pick for the best auto insurance company with agents) - consumers get the best of both worlds: a network of agents well-versed in their company's products and backed by a savvy and easy-to-use website.

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Acuity Insurance Ratings

Acuity has maintained a somewhat low and local profile. There aren't many customer reviews on Acuity's auto insurance offerings, but we were able to find within the National Association of Insurance Commissioners' database references to the types of complaints that were submitted. Complaints submitted clustered around delays in claims resolutions, or denials of claims, but the majority reached a compromise or settlement of some sort. It is worthwhile to note that as a percentage of the overall industry, Acuity auto insurance's complaint index is low compared to others (better than average).

Metric Rating
AM Best Financial Strength Rating (2013) A+
Better Business Bureau Rating (2013) A+
NAIC Complaint Index (2012) 0.44 (Better than Average)

Acuity Auto Insurance Policy & Coverage

The auto insurance liability coverage from Acuity is quite standard. Outside of the usual bodily injury damage and property damage liability, secondary options such as personal injury protection, or uninsured / underinsured motorist coverage are only available in select states. The company also offers an enhanced package called their Personal Auto Enhancements Endorsements, which adds among other features accidental death payments, and increased benefit limits for medical payments or accidents / trip interruptions incurred while away on vacation. Acuity has an optional "Replacement Cost Coverage" feature that supplies a new or similar car when an insured vehicle is completely totaled under a covered loss. Drivers can choose to add this within the first two model years of their car, and get replacement protection up to the first five model years of their car. The insurer also maintains a network of 680 qualified auto body shops called "PARS (Preapproved Repair Shops)" to speed up the claims / repair process.

To obtain a quote from Acuity, prospective policyholders will need to locate a local agent in one of the 22 states the company is licensed in. Quotes cannot be obtained anonymously - local agents we called required social security numbers and driver licenses in order to run a full background check and provide a premium quote for Acuity. They did not seem that knowledgeable about Acuity's offerings, or competitive advantage versus other insurers in the local markets. 

Acuity Insurance is underwritten in central heart of the United States: Arizona, Colorado, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Montana, Nebraska, New Mexico, North Dakota, Ohio, Pennsylvania, South Dakota, Tennessee, Utah, Wisconsin, and Wyoming.

Pros Cons
Ratings and complaints recorded from industry organizations are favorable and healthy Quotes cannot be obtained anonymously either over the phone or online
  Local agents do not seem that well-versed in benefits or features of Acuity's auto insurance

Discounts with Acuity Auto Insurance

Acuity grants the typical discounts for multi-car policies, good students / graduates, safe drivers, and even situations where policyholders insure more cars than there are drivers. All that we have are the savings existing policyholders can obtain from paying in fewer installments: Acuity charges $4 per installment payment on a credit card, or $2 per installment or payment withdrawn from a checking or bank account.

How to File a Claim with Acuity

Acuity Telephone Number: (800) 242-7666

  • Press 2 to report a claim
  • Press 3 for windshield claims, or 4 for all other claims

Drivers can also report an auto insurance claim with Acuity online via this form.

About Acuity Insurance

Founded in 1925, Acuity Insurance sells a number of insurance services for personal, residential, and commercial lines. The company is based in Sheboygan, Wisconsin, and markets its products over 1,000 agencies spread over 22 states. 

Acuity underwrites the following business: auto insurance, homeowners insurance, personal identity theft insurance, general and excess commercial liability, property insurance, workers' compensation insurance, and inland marine insurance, to name a few business lines.

Information current as of December 2013

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