Praetorian Insurance Company: Customer Ratings & Reviews [2024]
Praetorian Insurance Company, headquartered in Sun Prairie, WI, provides auto, home, life, and health insurance policies nationwide, earning an A (Excellent) rating from A.M. Best, yet its competitive rates are juxtaposed with mixed customer reviews, prompting closer scrutiny.
Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Commercial Lines Coverage Specialist
UPDATED: Apr 23, 2024
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Praetorian Insurance Company
Average Monthly Rate For Good Drivers
$100A.M. Best Rating:
AComplaint Level:
LowPros
- Offers auto, home, life, and health insurance policies
- Available in all 50 states
- 24/7 customer service
- Competitive rates nationwide
- Additional package options for collision and comprehensive coverage
- Offers bundling discounts for home and auto insurance policies
- Provides roadside assistance with basic auto insurance coverage
Cons
- Mixed to low customer reviews
- Claims phone number not listed on the website
- Rates not listed online, requiring contact with customer service for pricing information
In summary, Praetorian Insurance Company offers competitive rates nationwide, with an A.M. Best rating of A (Excellent). While their claims process provides flexibility through online, phone, and mobile app options, customer reviews suggest a mixed satisfaction level, particularly regarding claim resolutions.
The company’s digital features, including a mobile app and online account management, contribute to a modern insurance experience. Prospective customers should weigh the company’s strengths, such as accessibility and competitive rates, against reported customer experiences before making a decision.
What You Should Know About Praetorian Insurance Company
Praetorian Insurance Company is a small insurance company headquartered in Sun Prairie, WI. They have an A.M. Best rating of A (Excellent). According to the Praetorian Insurance Company website, they offer auto, home, life, and health insurance policies, and they are available in all 50 American states, including Washington, D.C.
There are many reasons one may consider Praetorian Insurance Company. They have some of the best rates nationwide, but how do they stack up against the best insurance companies?
The Praetorian Insurance Company claims phone number is not listed on their website, but you can request a quote for auto insurance at 855-602-7724 or a quote for home insurance at 844-657-1562. You can also receive Praetorian Insurance company quotes, and other quotes, by entering your ZIP code into our free tool above.
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Praetorian Insurance Company Insurance Coverage Options
Praetorian Auto Insurance
Most auto insurance companies determine rates based on a number of factors, including location, age, driving record, and more. On Praetorian Insurance’s website, they boast auto insurance programs as low as $20 a month.
They also claim to offer several auto insurance discounts, including a bundling discount wherein you can bundle Praetorian home and auto insurance policies. This can save you up to 15 percent.
Although Praetorian boasts low rates for car insurance, it is important to consider the policies they offer and their customer service before making a decision. You must also research how much auto insurance is required in your state, especially if you are only interested in minimum coverage. The chart below details each state’s minimum requirements for auto insurance.
Basic Liability Car Insurance Requirements by State
| State | Insurance Required | Minimum Liability Insurance Limits |
|---|---|---|
| AL | BI & PD Liab | 25/50/25 |
| AK | BI & PD Liab | 50/100/25 |
| AZ | BI & PD Liab | 15/30/10 |
| AR | BI & PD Liab, PIP | 25/50/25 |
| CA | BI & PD Liab | 15/30/5 |
| CO | BI & PD Liab | 25/50/15 |
| CT | BI & PD Liab, UM, UIM | 25/50/20 |
| DE | BI & PD Liab, PIP | 25/50/10 |
| DC | BI & PD Liab, UM | 25/50/10 |
| FL | PD Liab, PIP | 10/20/10 |
| GA | BI & PD Liab | 25/50/25 |
| HI | BI & PD Liab, PIP | 20/40/10 |
| ID | BI & PD Liab | 25/50/15 |
| IL | BI & PD Liab, UM, UIM | 25/50/20 |
| IN | BI & PD Liab | 25/50/25 |
| IA | BI & PD Liab | 20/40/15 |
| KS | BI & PD Liab, PIP | 25/50/25 |
| KY | BI & PD Liab, PIP, UM, UIM | 25/50/25 |
| LA | BI & PD Liab | 15/30/25 |
| ME | BI & PD Liab, UM, UIM, Medpay | 50/100/25 |
| MD | BI & PD Liab, PIP, UM, UIM | 30/60/15 |
| MA | BI & PD Liab, PIP | 20/40/5 |
| MI | BI & PD Liab, PIP | 20/40/10 |
| MN | BI & PD Liab, PIP, UM, UIM | 30/60/10 |
| MS | BI & PD Liab | 25/50/25 |
| MO | BI & PD Liab, UM | 25/50/25* |
| MT | BI & PD Liab | 25/50/20 |
| NE | BI & PD Liab, UM, UIM | 25/50/25 |
| NV | BI & PD Liab | 25/50/20 |
| NH | FR only | 25/50/25 |
| NJ | BI & PD Liab, PIP, UM, UIM | 15/30/5 |
| NM | BI & PD Liab | 25/50/10 |
| NY | BI & PD Liab, PIP, UM, UIM | 25/50/10 |
| NC | BI & PD Liab, UM, UIM | 30/60/25 |
| ND | BI & PD Liab, PIP, UM, UIM | 25/50/25 |
| OH | BI & PD Liab | 25/50/25 |
| OK | BI & PD Liab | 25/50/25 |
| OR | BI & PD Liab, PIP, UM, UIM | 25/50/20 |
| PA | BI & PD Liab, PIP | 15/30/5 |
| RI | BI & PD Liab | 25/50/25 |
| SC | BI & PD Liab, UM, UIM | 25/50/25 |
| SD | BI & PD Liab, UM, UIM | 25/50/25 |
| TN | BI & PD Liab | 25/50/15 |
| TX | BI & PD Liab, PIP | 30/60/25 |
| UT | BI & PD Liab, PIP | 25/65/15 |
| VT | BI & PD Liab, UM, UIM | 25/50/10 |
| VA | BI & PD Liab, UM, UIM | 25/50/20 |
| WA | BI & PD Liab | 25/50/10 |
| WV | BI & PD Liab, UM, UIM | 25/50/25 |
| WI | BI & PD Liab, UM, Medpay | 25/50/10 |
| WY | BI & PD Liab | 25/50/20 |
On their website, Praetorian claims that they offer an additional package for collision and comprehensive coverage. Since basic liability coverage will only pay for the other driver’s damages during an at-fault accident, many people find it beneficial to have collision and comprehensive coverage.
Additionally, Praetorian Insurance offers roadside assistance with their basic coverage, something that many other auto insurance companies charge extra for.
Praetorian Home Insurance
Much like auto insurance, home insurance rates are based on a number of factors. Energy-efficient additions, pet ownership, and credit score are just a few variables that may affect your home insurance rates. The best way to inquire about Praetorian Insurance’s rates is to contact their customer service.
Praetorian Insurance Company Insurance Rates Breakdown
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| Driver Profile | Praetorian Insurance Company | National Average |
|---|---|---|
| Clean Record | $150 | $120 |
| 1+ Ticket | $187 | $152 |
| 1+ Accident | $218 | $176 |
| DUI | $233 | $192 |
| Poor Credit | $258 | $206 |
Praetorian Insurance Company Discounts Available
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| Discount | Praetorian Insurance Company |
|---|---|
| Anti Theft | 5% |
| Good Student | 10% |
| Low Mileage | 8% |
| Paperless | 5% |
| Safe Driver | 12% |
| Senior Driver | 15% |
Praetorian Insurance Company is committed to providing competitive rates for its customers. Whether you’re interested in auto or home insurance, Praetorian has discounts tailored to meet your needs:
Auto Insurance Discounts:
- Bundling Discount: Bundle your home and auto insurance policies with Praetorian to enjoy savings of up to 15%.
- Safe Driver Discount: Praetorian rewards good drivers with competitive rates. Maintain a clean driving record, and you could qualify for additional savings.
- Special Programs: Praetorian offers auto insurance programs with rates as low as $20 a month, catering to various budget requirements.
Home Insurance Discounts:
- Customized Coverage: Tailor your home insurance coverage to fit your needs, ensuring you only pay for the protection you require.
- Energy-Efficiency Savings: If your home features energy-efficient additions, Praetorian may offer additional discounts on your insurance rates.
Securing discounts with Praetorian Insurance Company is a straightforward process. Simply inquire about their available discounts when requesting a quote. Whether you’re a safe driver looking for auto insurance or a homeowner seeking comprehensive coverage, Praetorian has options designed to help you save.
At Praetorian Insurance Company, your satisfaction is paramount. As you explore their offerings, keep in mind the various discounts available to enhance your savings. To ensure you make an informed decision, reach out to Praetorian’s 24/7 customer service for quotes and advice. Compare quotes, explore discounts, and make the right coverage choices with Praetorian Insurance Company.
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How Praetorian Insurance Company Ranks Among Providers
In the competitive landscape of insurance providers, Praetorian Insurance Company faces various rivals, each vying to attract customers with distinct offerings. Understanding the company’s main competitors is crucial for individuals seeking the best coverage and rates. Let’s delve into Praetorian’s competition and explore why these companies pose a challenge:
- Geico: Geico, known for its catchy advertising and competitive rates, stands out as a formidable competitor. Like Praetorian, Geico offers a range of insurance products, including auto and home insurance. The emphasis on online services and customer-friendly experiences makes Geico a strong contender.
- Progressive: Progressive is a major player in the insurance industry, boasting a comprehensive suite of coverage options. Praetorian faces competition from Progressive due to its innovative approach, including usage-based insurance and a strong online presence. Both companies appeal to tech-savvy consumers seeking modern insurance solutions.
- State Farm: State Farm, one of the largest insurers in the U.S., competes with Praetorian by offering diverse insurance products and a vast network of agents. The emphasis on personalized service and the ability to bundle various policies positions State Farm as a strong alternative for those looking for comprehensive coverage.
- Allstate: Allstate’s reputation for reliability and a wide range of coverage options makes it a significant competitor for Praetorian. Both companies aim to provide customers with peace of mind through various insurance solutions, including auto and home coverage. Allstate’s strong brand presence adds to its competitive edge.
As you navigate the insurance market, understanding Praetorian Insurance Company’s main competitors is vital for making an informed decision.
Whether you prioritize cost-effective solutions, innovative features, or a personal touch, weighing the offerings of Geico, Progressive, State Farm, and Allstate alongside Praetorian will guide you towards the insurance provider that best aligns with your preferences.
Claims Process at Praetorian Insurance Company
Ease of Filing a Claim
Praetorian Insurance Company offers multiple channels for filing insurance claims, providing policyholders with flexibility and convenience. Claims can be filed through online platforms, over the phone, or using mobile apps. The accessibility of these options ensures that customers can choose the method that best suits their preferences and circumstances.
Average Claim Processing Time
The efficiency of the claims process is a crucial aspect of customer satisfaction. Praetorian Insurance Company aims to streamline the claims processing, and the average claim processing time is an important factor for policyholders. The company strives to handle claims promptly, minimizing the waiting time for customers seeking resolution and payouts.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback plays a vital role in assessing the effectiveness of an insurance company’s claims resolution and payout procedures. Praetorian Insurance Company encourages customers to share their experiences, and their reviews provide valuable insights into the company’s performance in terms of fair and timely claim resolutions.
Examining customer feedback helps potential clients make informed decisions about the insurance provider.
Praetorian Insurance Company Digital and Technological Features
Mobile App Features and Functionality
Praetorian Insurance Company enhances the customer experience through its mobile app, offering a range of features and functionalities. Policyholders can access and manage their insurance accounts conveniently from their mobile devices.
The app may include features such as policy information, claims tracking, and communication with customer service, providing a comprehensive digital experience.
Online Account Management Capabilities
The company’s online account management capabilities contribute to a seamless and user-friendly experience for policyholders. Through the online portal, customers can access and update their account information, view policy details, and make payments. The availability of these capabilities online adds to the overall convenience and accessibility for clients.
Digital Tools and Resources
Praetorian Insurance Company employs digital tools and resources to empower its customers with valuable information and support. These tools may include educational resources, calculators, and guides that assist policyholders in understanding their coverage and making informed decisions.
The integration of digital resources reflects the company’s commitment to providing a technologically advanced and informative insurance experience.
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Frequently Asked Questions
What types of insurance does Praetorian Insurance Company offer?
Praetorian Insurance Company offers auto, home, life, and health insurance policies.
Is Praetorian Insurance Company available in all 50 states?
Yes, Praetorian Insurance Company is currently offered in all 50 states, including Washington, D.C.
How can I reach Praetorian Insurance Company customer service?
Praetorian Insurance Company customer service can be reached 24/7 by phone for claims and quotes. Their claims phone number is not listed on their website, but you can request a quote for auto insurance at 855-602-7724 or a quote for home insurance at 844-657-1562.
What is Praetorian Insurance Company’s A.M. Best rating?
Praetorian Insurance Company has an A.M. Best rating of A (Excellent).
How do Praetorian Insurance Company’s rates compare to other insurance companies?
Praetorian Insurance Company has some of the best rates nationwide, but their customer reviews are mixed to low. It is recommended to compare quotes from many different insurance providers to make an informed decision.
What discounts does Praetorian Insurance Company offer for auto insurance?
Praetorian Insurance offers several auto insurance discounts, including a bundling discount where you can bundle Praetorian home and auto insurance policies, saving you up to 15 percent.
Compare Insurance Providers Rates to Save Up to 75%
Secured with SHA-256 Encryption
Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Commercial Lines Coverage Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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Pswagbucks
My bad experience with this awful company
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Nice Folks