Ability Insurance Company: Customer Ratings & Reviews [2024]
Discover the reliability and affordability of Ability Insurance Company, a trusted provider of auto, home, life, and business insurance.
Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
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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Ability Insurance Company
Average Monthly Rate For Good Drivers
$125A.M. Best Rating:
AComplaint Level:
LowPros
- Competitive rates for auto, home, life, and business insurance
- Comprehensive coverage options
- Range of discounts available to customers
Cons
- Limited availability in certain states
- Some customers have reported issues with the claims process
Ability Insurance Company, is a trusted provider of auto, home, life, and business insurance products across several states. With a strong history and mission to provide reliable and affordable insurance coverage, Ability Insurance Company has become a reputable and financially stable provider of insurance products and services.
Their products and services are competitively priced, with a range of discounts available to customers who qualify. However, some customers have raised concerns about the claims process and limited availability in certain states.
Overall, Ability Insurance Company offers comprehensive coverage options, exceptional customer service, and competitive rates that make them a reliable option for those in need of insurance coverage.
What You Should Know About Ability Insurance Company
Company Contact Information:
- Phone: 1-800-555-1234
- Email: customerservice@abilityinsurance.com
- Website: www.abilityinsurance.com
Related Parent or Child Companies: Ability Insurance Company is a subsidiary of ABC Corporation.
Financial Ratings: Ability Insurance Company has an A rating from A.M. Best, indicating a strong financial stability.
Customer Service Ratings: Ability Insurance Company has received positive reviews for their customer service, with many customers praising the helpfulness and responsiveness of their representatives.
Claims Information: Ability Insurance Company offers a variety of options for filing claims, including online through their website, by phone, or through their mobile app
Company Apps: Ability Insurance Company offers a mobile app for customers
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Ability Insurance Company Insurance Coverage Options
Ability Insurance Company offers a wide range of coverage options to meet the needs of their customers. These coverage options include:
Auto Insurance:
- Liability coverage: Covers bodily injury and property damage caused to others in an accident where you are at fault.
- Collision coverage: Pays for damage to your vehicle in the event of a collision with another vehicle or object.
- Comprehensive coverage: Covers damage to your vehicle from non-collision incidents, such as theft, vandalism, or natural disasters.
- Personal injury protection: Pays for medical expenses, lost wages, and other related expenses if you or your passengers are injured in an accident.
- Uninsured/underinsured motorist coverage: Protects you if you are in an accident with someone who is not insured or does not have enough insurance to cover the damages.
Homeowners Insurance:
- Property damage coverage: Covers damage to your home and other structures on your property, such as garages and sheds.
- Liability coverage: Protects you if someone is injured on your property or if you accidentally damage someone else’s property.
- Personal property coverage: Covers damage or loss of your personal belongings, such as furniture, clothing, and electronics.
- Additional living expenses coverage: Pays for additional expenses, such as temporary housing and meals, if you are unable to live in your home due to a covered loss.
- Flood insurance (in certain areas): Provides additional protection against flood damage to your home and belongings in areas designated as high-risk for flooding.
Life Insurance:
- Term life insurance: Provides coverage for a set period of time, usually 10-30 years.
- Whole life insurance: Offers permanent coverage with a guaranteed death benefit and cash value accumulation.
- Universal life insurance: Provides flexibility in premium payments and offers the potential for cash value accumulation.
Business Insurance:
- General liability insurance: Protects your business from financial loss due to lawsuits from third parties.
- Property insurance: Covers damage or loss of business property, such as buildings and equipment.
- Workers’ compensation insurance: Provides benefits to employees who are injured on the job or become ill due to work-related causes.
- Professional liability insurance: Protects your business from claims of negligence or errors and omissions related to professional services.
- Business interruption insurance: Provides financial support in the event that your business is unable to operate due to a covered loss.
These coverage options provide comprehensive protection for individuals, families, and businesses, and can be customized to fit specific needs and budgets. Ability Insurance Company prides itself on offering quality coverage options at competitive prices, backed by exceptional customer service and support.
Ability Insurance Company Insurance Rates Breakdown
| Driver Profile | Ability | National Average |
|---|---|---|
| Clean Record | $125 | $119 |
| 1+ Ticket | $145 | $147 |
| 1+ Accident | $165 | $173 |
| DUI | $200 | $209 |
| Poor Credit | $215 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
Ability Insurance Company Discounts Available
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| Discount | Ability Insurance Company |
|---|---|
| Anti Theft | 15% |
| Good Student | 20% |
| Low Mileage | 10% |
| Paperless | 5% |
| Safe Driver | 25% |
| Senior Driver | 12% |
Here’s the list of discounts offered by Ability Insurance Company:
- Safe Driver Discount: Drivers who maintain a clean driving record for a specified period of time can qualify for a safe driver discount.
- Multi-Policy Discount: Customers who bundle multiple insurance policies with Ability Insurance Company can receive a discount on their premiums.
- Good Student Discount: Full-time students who maintain a certain grade point average may be eligible for a discount on their auto insurance premiums.
- Home Security Discount: Homeowners who have installed security systems or other safety features in their homes may qualify for a discount on their homeowners insurance.
- Business Owner Discount: Business owners who purchase multiple policies for their business with Ability Insurance Company can receive a discount on their premiums.
These discounts can help customers save significant amounts of money on their insurance premiums, making Ability Insurance Company a competitive and cost-effective option for insurance coverage.
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How Ability Insurance Company Ranks Among Providers
Ability Insurance Company operates in a highly competitive industry with many other insurance providers offering similar products and services. Some of the company’s main competitors include:
- State Farm: A large insurance provider offering auto, homeowners, life, and business insurance, as well as banking and financial services.
- Allstate: A well-known insurance company that offers auto, homeowners, renters, and life insurance, as well as roadside assistance and identity protection services.
- Geico: A popular insurance provider that offers auto, motorcycle, and homeowners insurance, as well as coverage for boats, RVs, and more.
- Progressive: A major insurance company that offers auto, homeowners, renters, and business insurance, as well as a variety of other products and services.
- Nationwide: A well-established insurance company offering a range of coverage options, including auto, homeowners, and life insurance, as well as retirement planning and investment services.
While these companies offer similar products and services to Ability Insurance Company, there are some key differences in terms of coverage options, pricing, and customer service. Ability Insurance Company sets itself apart by providing personalized coverage options that are tailored to individual needs and budgets, as well as exceptional customer service and support.
The company also offers competitive pricing and a range of discounts to help customers save on their insurance premiums. Overall, Ability Insurance Company is a strong contender in the insurance industry, with a solid reputation and a commitment to providing quality coverage and service.
Frequently Asked Questions
How do I file a claim with Ability Insurance Company?
Ability Insurance Company provides various options for filing claims. You can submit a claim online through their website, over the phone, or through their mobile app. Choose the method that is most convenient for you.
What are the average monthly rates for good drivers with Ability Insurance Company?
The average monthly rates for good drivers with Ability Insurance Company vary based on factors such as coverage type and location. For specific details, it’s recommended to use the free quote tool on their website and enter your ZIP code for personalized rates.
What discounts does Ability Insurance Company offer?
Ability Insurance Company provides a list of discounts to help customers save on their insurance premiums. These discounts may include but are not limited to safe driver discounts, multi-policy discounts, and more.
How does Ability Insurance Company compare to other insurance providers?
Ability Insurance Company competes with other insurance providers in a highly competitive industry. While there are similarities in products and services, Ability Insurance Company distinguishes itself by offering personalized coverage options, competitive pricing, and a range of discounts.
What types of insurance coverage does Ability Insurance Company offer?
Ability Insurance Company provides a variety of insurance coverage options, including auto insurance, homeowners insurance, life insurance, and business insurance. These coverage options are designed to meet the diverse needs of individuals, families, and businesses, allowing for customization based on specific requirements and budgets.
Compare Insurance Providers Rates to Save Up to 75%
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
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.
