Granular Insurance Company (Formerly, Coefficient Insurance Company) Review (2024)
Granular Insurance Company, renowned for its A+ A.M. Best rating, offers an extensive array of insurance options, including auto, home, health, life, and business coverage, positioning itself as a top choice for those seeking comprehensive and competitively priced insurance solutions.
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
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
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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Granular Insurance Company
Average Monthly Rate For Good Drivers
$79A.M. Best Rating:
A+ (Excellent)Complaint Level:
LowPros
- Competitive Pricing
- Customizable Policies
- Exceptional Customer Support
- Innovative Technology
- Comprehensive Coverage Options
Cons
- Limited online self-service options
- Availability may vary by location
- Additional fees for some policy modifications
- Fewer discounts compared to some competitors
- Limited international coverage for travelers
Granular Insurance Company (Formerly, Coefficient Insurance Company), a trusted name in the insurance industry. Offering a diverse range of coverage, including auto, home, life, and health insurance, Granular Insurance stands out with its commitment to precision-driven coverage and personalized policies.
We explore the company’s history, services, and the reasons why it’s a top choice for insurance seekers. With a spotlight on competitive pricing, transparent terms, and excellent customer service, this article serves as an informative resource for individuals and businesses in search of tailored insurance solutions from a reputable provider.
Granular Insurance Company Insurance Coverage Options
Granular Insurance Company (Formerly, Coefficient Insurance Company) offers a diverse range of coverage options to cater to the unique needs of their customers. Here’s a bullet list of their coverage options:
Auto Insurance:
- Comprehensive coverage
- Liability insurance
- Collision insurance
- Uninsured/underinsured motorist coverage
Home Insurance:
- Homeowners Insurance
- Renters Insurance
- Flood Insurance
- Personal property coverage
Life Insurance:
- Term life insurance
- Whole life insurance
- Universal life insurance
- Final expense insurance
Health Insurance:
- Individual health plans
- Family health plans
- Dental and vision insurance
- Prescription drug coverage
Specialty Insurance:
- Motorcycle Insurance
- Boat and watercraft insurance
- RV Insurance
- Pet insurance
Business Insurance:
- Commercial property insurance
- General liability insurance
- Business interruption insurance
- Workers’ compensation insurance
Specialized Coverage:
- Identity theft insurance
- Umbrella Insurance
- Collector’s insurance
- Wedding insurance
Granular Insurance is committed to providing tailored coverage solutions to meet the individual and business needs of their clients, ensuring peace of mind in various aspects of life and business.
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Granular Insurance Company Insurance Rates Breakdown
| Driver Profile | Granular Insurance Company | National Average |
|---|---|---|
| Clean Record | $200 | $225 |
| 1+ Ticket | $250 | $275 |
| 1+ Accident | $300 | $325 |
| DUI | $333 | $350 |
| Poor Credit | $344 | $387 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
Granular Insurance Company Discounts Available
| Discount | Granular Insurance Company |
|---|---|
| Anti Theft | 10% |
| Good Student | 15% |
| Low Mileage | 12% |
| Paperless | 8% |
| Safe Driver | 20% |
| Senior Driver | 5% |
Granular Insurance Company (Formerly, Coefficient Insurance Company) values its customers and offers various discounts to help them save on their insurance premiums. Here’s a bullet list of some of the discounts they may provide:
- Multi-Policy Discount: Save when you bundle multiple insurance policies, such as auto and home insurance.
- Safe Driver Discount: Earn rewards for maintaining a clean driving record with safe driving habits.
- Good Student Discount: Students with excellent academic records can enjoy lower rates on auto insurance.
- Home Safety Discounts: Receive discounts for having safety features like smoke detectors, security systems, and fire extinguishers in your home.
- Multi-Vehicle Discount: Insure multiple vehicles on the same policy to qualify for this cost-saving discount.
- Claims-Free Discount: Enjoy reduced rates if you have a history of being claims-free.
- Loyalty Discount: Long-term customers may be eligible for loyalty discounts as a token of appreciation.
- Paid-in-Full Discount: Pay your annual premium in one lump sum to receive a discount.
- Military Discount: Active and retired military personnel and their families may qualify for special discounts.
- Senior Discount: Mature drivers can benefit from discounts tailored to their age group.
- Affinity Group Discounts: Members of certain organizations or affinity groups may receive exclusive discounts.
- Safety Course Discount: Completing a defensive driving or safety course can lead to premium reductions.
It’s important to note that the availability and terms of these discounts may vary by location and policy type. To get specific information about discounts you may qualify for, it’s recommended to contact Granular Insurance directly or visit their website for detailed information.
How Granular Insurance Company Ranks Among Providers
Granular Insurance Company (Formerly, Coefficient Insurance Company) operates in a highly competitive insurance industry. Its main competitors are established insurance companies that offer similar types of coverage and services. Some of the prominent competitors in the insurance sector include:
- State Farm: State Farm is one of the largest insurance providers in the United States, known for its extensive network of agents and a wide range of insurance products, including auto, home, and life insurance.
- Geico: Geico is renowned for its catchy advertising and competitive pricing on auto insurance. It’s a popular choice for those seeking affordable coverage.
- Allstate: Allstate is a well-established insurance company offering a comprehensive suite of insurance products, including auto, home, life, and business insurance.
- Progressive: Progressive is known for its innovative approach to auto insurance, offering features like Snapshot, which tracks driving habits to determine personalized rates.
- Liberty Mutual: Liberty Mutual offers a variety of insurance products, including home, auto, and renters insurance, with a focus on personalized coverage.
- Nationwide: Nationwide provides insurance solutions for individuals and businesses, offering a range of policies and competitive rates.
- USAA: USAA primarily serves military members and their families, offering a wide array of financial services, including insurance, banking, and investments.
- Farmers Insurance: Farmers Insurance is known for its broad selection of insurance products and a strong presence in the home and auto insurance sectors.
These competitors, along with many regional and local insurance companies, compete for market share in the insurance industry. Granular Insurance distinguishes itself through its commitment to precision-driven coverage and personalized service, but it faces stiff competition in delivering value and meeting the diverse needs of its customers.
To choose the best insurance provider, consumers often compare rates, coverage options, customer service, and reputation, among other factors.
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Granular Insurance Company Claims Process
Ease of Filing a Claim
Granular Insurance Company simplifies the claims process for policyholders by offering multiple convenient methods for filing a claim. Whether you prefer to file a claim online, over the phone, or through mobile apps, Granular Insurance provides flexibility to ensure that reporting incidents and initiating the claims process is easy and accessible.
Average Claim Processing Time
Efficiency is a key focus of Granular Insurance Company’s claims processing. While the specific processing time may vary depending on the nature of the claim, the company strives to process claims promptly, reducing the waiting period for policyholders. This commitment to quick and efficient claim resolution is evident in their approach to customer service.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback plays a pivotal role in assessing an insurance company’s performance in handling claims. Granular Insurance Company has garnered positive feedback from its policyholders regarding the fairness and timeliness of claim resolutions and payouts. Their dedication to customer satisfaction is reflected in their efforts to provide reliable and efficient claims services.
Granular Insurance Company Digital and Technological Features
Mobile App Features and Functionality
Granular Insurance Company offers a comprehensive mobile app with an array of features designed to enhance the overall customer experience. Policyholders can use the app to access their insurance information, review policy documents, make payments, and even initiate claims directly from their mobile devices.
The user-friendly interface and intuitive functionality of the app make it a valuable tool for managing insurance needs conveniently.
Online Account Management Capabilities
Granular Insurance provides robust online account management capabilities through their website. Policyholders can log in to their accounts to conveniently review and update policy information, track claims, and access essential documents.
This online portal simplifies insurance policy management, offering an efficient and convenient way to stay informed and maintain control.
Digital Tools and Resources
In addition to its mobile app and online account management, Granular Insurance Company offers a range of digital tools and resources to assist customers in making informed decisions about their insurance coverage.
These resources include informative articles, calculators, and frequently asked questions (FAQs) that help policyholders understand their options and navigate the insurance landscape effectively. Granular Insurance’s commitment to providing valuable digital resources aligns with its goal of empowering customers to make well-informed choices.
Frequently Asked Questions
How can I request a quote from Granular Insurance?
Requesting a quote from Granular Insurance is easy. You can visit their official website and fill out the online quote request form, or you can contact their customer service team via phone or email to get personalized assistance with your quote.
What types of insurance policies does Granular Insurance offer?
Granular Insurance offers a wide range of insurance policies, including auto insurance, home insurance, life insurance, and health insurance, each tailored to meet the diverse needs of their customers.
Can I manage my insurance policy online with Granular Insurance?
Yes, Granular Insurance provides an online portal where you can conveniently manage your insurance policies. You can access policy documents, make payments, update information, and even file claims through their user-friendly online platform.
What sets Granular Insurance apart from other insurance providers?
Granular Insurance stands out due to its commitment to precision-driven coverage, personalized policies, transparent pricing, and a history of exceptional customer service. Their dedication to meeting individual needs makes them a preferred choice for many.
How long has Granular Insurance been in the insurance industry?
Granular Insurance Company, formerly Coefficient Insurance Company, has a rich history dating back to its founding in 1975. With decades of experience, they have established a strong reputation in the insurance industry.
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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.
