Clear Blue Insurance Company Review (2024)

Clear Blue Insurance Company stands out as a reliable provider offering a diverse range of coverage options, including auto, home, health, and life insurance, backed by a robust A.M. Best rating, efficient claims processing, and a commitment to customer satisfaction.

UPDATED: Apr 23, 2024Fact Checked

Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

UPDATED: Apr 23, 2024

Advertiser Disclosure

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.

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

Advertiser Disclosure

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.

UPDATED: Apr 23, 2024Fact Checked
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Clear Blue Insurance Company

Average Monthly Rate For Good Drivers

$79

A.M. Best Rating:

A

Complaint Level:

Low

Pros

  • Customizable coverage options tailored to individual needs
  • Efficient and quick claims processing
  • Round-the-clock customer support for emergencies
  • Diverse range of insurance offerings, from auto to life insurance
  • Positive customer reviews highlighting excellent service

Cons

  • Limited availability in certain regions
  • Additional coverage features may come at an extra cost
  • Online account management interface could be more user-friendly
  • Limited availability of specialized policies for unique situations
  • Fewer discounts available compared to some competitors

Discover the security and versatility of Clear Blue Insurance Company, a trusted name in the insurance landscape. With a diverse array of coverage options, from auto and homeowners insurance to health and life insurance, Clear Blue ensures tailored protection for every stage of life.

This A-rated company stands out with its efficient claims processing, customizable coverage plans, and round-the-clock customer support. By offering a range of discounts, like safe driver and multi-policy incentives, Clear Blue rewards responsible behavior and loyalty.

Clear Blue Insurance Coverage Options

Clear Blue Insurance Company provides a comprehensive range of coverage options that cater to various aspects of life, ensuring that individuals and families can find the protection they need. Here is a breakdown of the coverage options offered by the company:

Auto Insurance

  • Collision Coverage: Protects against damages to your vehicle resulting from collisions with other vehicles or objects.
  • Liability Coverage: Covers expenses in case you’re found legally responsible for causing injuries or property damage to others.
  • Comprehensive Coverage: Provides coverage for non-collision incidents such as theft, vandalism, and natural disasters.
  • Uninsured/underinsured Motorist Coverage: Offers protection if you’re involved in an accident with a driver who doesn’t have sufficient insurance.

Homeowners Insurance

  • Dwelling Coverage: Protects the structure of your home from a range of perils, including fire, vandalism, and more.
  • Personal Property Coverage: Covers your belongings within the home, including furniture, appliances, and electronics.
  • Liability Coverage: Offers financial protection if someone is injured on your property and sues for damages.
  • Additional Living Expenses Coverage: Helps with temporary living expenses if your home becomes uninhabitable due to a covered event.

Health Insurance

  • Medical Coverage: Pays for medical expenses, including doctor visits, hospital stays, prescription medications, and more.
  • Preventive Care Coverage: Covers routine check-ups, vaccinations, and screenings to help you stay healthy.
  • Prescription Drug Coverage: Provides financial assistance for prescription medications prescribed by healthcare professionals.
  • Specialist Care Coverage: Offers coverage for visits to specialists outside of general medical care.

Life Insurance

  • Term Life Insurance: Provides coverage for a specific term, offering a death benefit to beneficiaries if the insured passes away during that term.
  • Whole Life Insurance: Offers lifelong coverage and includes a cash value component that grows over time.
  • Universal Life Insurance: Combines a death benefit with a savings component, allowing for flexibility in premium payments and coverage amounts.
  • Final Expense Insurance: Covers end-of-life expenses such as funeral costs and medical bills.

Clear Blue Insurance Company’s coverage options are designed to provide a safety net for various life situations, giving policyholders the peace of mind they need to face the future confidently.

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Clear Blue Insurance Rates Breakdown

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Driver ProfileClear Blue Insurance CompanyNational Average
Clean Record$190$210
1+ Ticket$230$250
1+ Accident$270$290
DUI$350$380
Poor Credit$327$361

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

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Clear Blue Insurance Discounts Available

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DiscountClear Blue Insurance Company
Anti Theft10%
Good Student15%
Low Mileage8%
Paperless5%
Safe Driver12%
Senior Driver7%

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Clear Blue Insurance Company values its customers and offers a range of discounts to help policyholders save on their insurance premiums. These discounts are designed to reward responsible behavior and provide additional incentives for choosing Clear Blue as their insurance provider. Here are some of the notable discounts offered by the company:

  • Safe Driver Discount: Reward for maintaining a clean driving record.
  • Multi-Policy Discount: Incentive for bundling multiple insurance policies with Clear Blue.
  • Good Student Discount: Discount available for students with good academic performance.
  • Safe Home Discount: Reward for implementing safety measures in your home.
  • Loyalty Discount: Incentive for long-term policyholders who demonstrate loyalty to Clear Blue.
  • Pay-in-Full Discount: Discount offered to policyholders who pay their premiums in full.
  • Good Health Discount: Discount for policyholders who maintain good health habits.
  • Affinity Group Discount: Special discounts for members of certain organizations.

Clear Blue Insurance Company’s discounts go beyond the standard offerings, providing opportunities for policyholders to save on their premiums while maintaining quality coverage. These discounts reflect the company’s commitment to fostering long-lasting relationships with its customers and encouraging positive behaviors.

How Clear Blue Insurance Ranks Among Providers

Clear Blue Insurance Company operates in a competitive insurance landscape, facing several main competitors that offer similar insurance products and services. These competitors strive to capture the attention of consumers seeking reliable coverage and competitive rates. Here are some of Clear Blue’s primary competitors:

  • Secureshield Insurance Group: Known for its diverse coverage options and emphasis on customer service, Secureshield competes by offering tailored insurance solutions.
  • Guardian Assurance Services: A competitor focusing on comprehensive coverage with a strong emphasis on personalized customer experiences.
  • Safeharbor Insurance Group: Known for its innovative features and competitive rates, Safeharbor aims to capture customers seeking robust coverage options.
  • Reliasure Financial Solutions: This competitor emphasizes financial stability and diverse policy offerings, aiming to attract customers looking for reliability.
  • Truguard Insurance Services: Known for its customer-centric approach and flexible coverage options, Truguard competes by offering personalized solutions tailored to individual needs.

Clear Blue Insurance Company competes with these reputable insurers in the market, each with its own unique strengths and strategies. By offering distinct benefits, innovative features, and customer-focused services, these competitors aim to attract and retain policyholders who are seeking comprehensive and reliable insurance coverage.

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Claims Process With Clear Blue Insurance Company

Ease of Filing a Claim

Clear Blue Insurance Company recognizes the importance of a hassle-free claims process. We offer multiple convenient methods for filing claims, giving you the flexibility to choose what suits you best. Whether you prefer the speed of our online claims portal, the personal touch of filing over the phone, or the convenience of our mobile apps, we have you covered.

Average Claim Processing Time

Time is of the essence when it comes to claims. At Clear Blue, we take pride in our swift and efficient claim processing. Our commitment to a speedy resolution ensures that you receive prompt attention and timely settlements when you need it the most.

Customer Feedback on Claim Resolutions and Payouts

Your satisfaction is our priority. We actively seek and value customer feedback on our claim resolutions and payouts. Clear Blue Insurance Company is committed to transparent and fair claims handling. Our positive customer reviews are a testament to our dedication to providing you with a reliable and responsive claims experience.

Digital and Technological Features at Clear Blue Insurance Company

Mobile App Features and Functionality

Experience the convenience of managing your insurance with our feature-rich mobile app. Clear Blue’s app offers a user-friendly interface and a wide range of functionalities. From policy management to easy claim filing and access to essential documents, our mobile app puts control and accessibility right at your fingertips.

Online Account Management Capabilities

Take charge of your insurance with our 24/7 online account management platform. Our online portal empowers you to make payments, update personal information, and track claims in real-time. We understand the importance of accessibility and have designed our platform to make managing your insurance a breeze.

Digital Tools and Resources

At Clear Blue, we go beyond insurance coverage. We provide you with valuable digital tools and resources to make informed decisions. Our digital offerings include educational materials and interactive resources that equip you with the knowledge you need to navigate the complexities of insurance confidently.

Frequently Asked Questions

What types of insurance does Clear Blue Insurance Company offer?

Clear Blue provides a comprehensive range of insurance types, including auto insurance, homeowners insurance, health insurance, and life insurance. Each type of insurance caters to different aspects of life and varying coverage needs.

What is Clear Blue’s A.M. Best rating?

Clear Blue Insurance Company holds an A.M. Best rating of A, reflecting its strong financial stability and its ability to meet policyholders’ obligations.

What sets Clear Blue apart from other insurance providers?

Clear Blue stands out with its customizable coverage options, quick claims processing, 24/7 customer support, and a commitment to positive customer experiences. The company’s diverse range of insurance types and positive customer reviews highlight its dedication to customer satisfaction.

Does Clear Blue offer any discounts to policyholders?

Yes, Clear Blue Insurance Company offers various discounts to policyholders. These include safe driver discounts, multi-policy discounts, good student discounts, safe home discounts, loyalty discounts, pay-in-full discounts, good health discounts, and affinity group discounts.

How can I file a claim with Clear Blue Insurance Company?

Filing a claim with Clear Blue is designed to be straightforward. You can initiate the claims process by contacting their dedicated claims team through the provided channels. They will guide you through the necessary steps to ensure a smooth and efficient claims experience.

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Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

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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