Apparent Insurance Review [2024]
Apparent Insurance, a provider based in Texas, offers comprehensive coverage options for drivers seeking affordable and customizable auto insurance plans.
Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
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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Apparent Insurance
Average Monthly Rate For Good Drivers
N/AA.M. Best Rating:
A+Complaint Level:
LowPros
- Competitive rates for auto insurance in Texas
- Multiple discounts available to help lower monthly rates
- Additional coverage options, such as gap insurance and roadside assistance
- Easy to purchase coverage online or by phone
- A+ rating from the Better Business Bureau
Cons
- Limited coverage area, only available in Texas
- Only five customer reviews on the BBB website, with an average rating of one out of five stars
- Customers must call an agent to cancel their policy, rather than being able to do so online.
- Apparent Insurance only provides coverage to customers in Texas
- Apparent Insurance provides the typical auto insurance options
- Apparent Insurance has been rated an A+ by the BBB
Apparent Insurance provides auto insurance for families in Texas. The young company offers the typical coverages and some additional options. The company has competitive rates, but customers can lower the costs by combining multiple discounts.
Knowing more about Apparent Insurance will help you determine if the company is right for you.
Before jumping into this Apparent Insurance review, enter your ZIP code to find free auto insurance rates in your area.
What You Should Know About Apparent Insurance
Credit rating agencies regularly rate insurance companies on financial strength, determining the company’s ability to provide a payout. However, none of the most popular rating agencies have completed an Apparent Insurance review.
Fortunately, Apparent Insurance receives financial backing from the Admiral Insurance Group. The most respected credit rating agencies have rated Admiral, including A.M. Best and S&P. The parent company’s ratings indicate Apparent’s financial strength.
The Admiral Insurance Group has been rated an A+ by A.M. Best and S&P. These ratings are superior and show that the company’s subsidiaries will provide a payout when customers file a claim.
The Better Business Bureau (BBB) also rates insurance companies based on business practices and complaints. The BBB has given Apparent an A+ rating after receiving one complaint about the company over the past three years.
Five Apparent customers have left reviews on the BBB website, with the average rating being one out of five stars. However, the BBB’s A+ rating indicates that the company is transparent and has few complaints about a company of its size.
Read more: Admiral Insurance Company Review
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How can you buy Apparent Insurance?
Customers looking to buy Apparent auto insurance can do so by phone or online. Those that prefer to purchase coverage online must fill out a quick survey to receive an accurate quote. Then they can buy a policy.
Customers can also buy a policy by calling and speaking with an agent. Those preferring to purchase coverage by phone can call the Apparent Insurance phone number at 1-877-764-8679.
How can you make Apparent Insurance payments?
Apparent allows customers to make payments online through the company’s customer portal. When purchasing a policy, customers will create an Apparent Insurance login to get access to this part of the website.
Apparent accepts various types of payment for policies. The multiple ways to pay Apparent auto insurance rates include:
- Automatic online payment
- Credit card
- Direct deposit
- Debit card
- Electronic check
- Money transfer
In addition to making payments, customers can use the Apparent customer portal to make policy changes and view documents.
How can you file claims?
Apparent Insurance customers can file claims by phone, online, or email. Those that wish to file a claim by phone can call 1-877-764-8679 during business hours. The company’s hours of operation include:
- Monday-Friday 7am-7pm (CST)
- Saturday 8am-5pm (CST)
Customers can make online claims by accessing the claims section on the website. They can also file claims via email by contacting claims@apparentinsurance.com.
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How can you cancel an Insurance policy?
While the company allows customers to purchase coverage and make payments online, customers must call an agent to cancel a policy. The website says that an insurance specialist will speak with you about your concerns and cancel your coverage if necessary.
What is the companies history?
Apparent insurance started in early 2016, focusing on providing parents with insurance coverage. The company began with financial backing from the Admiral Insurance Group, which has over six million customers in seven companies. The company remains a subsidiary of the Admiral Insurance Group today.
Apparent Insurance Coverage Options
Insurance companies sell coverage individually, so there isn’t just one policy to purchase. These individual options allow customers to choose the best combination for their needs. For this reason, customers should know which coverages are available and what each one entails.
Apparent Insurance provides the most common types of auto insurance and some additional options. The following table shows the coverages offered by Apparent and how those coverages protect drivers:
Apparent Insurance Auto Coverages
| Auto Insurance Types | Purpose of Coverage |
|---|---|
| Bodily injury liability | Pays for medical bills if someone else suffers an injury in an accident caused by you. |
| Property damage liability | Liability coverage that covers the cost of any property damage you’ve caused in an accident. |
| Collision | Covers damage to your car after an accident. |
| Comprehensive | Covers damage to your car when you’re not driving. |
| Personal injury protection | Covers medical expenses for you and your passengers after an accident. |
| Uninsured/underinsured motorist | Covers the costs if you’re in an accident caused by a driver with little or no car insurance. |
| Medical expenses | Covers medical costs caused by an accident regardless of who is at fault. |
The required amount of insurance in most states is liability coverage. However, purchasing additional coverages will protect your family in all situations. Buying all of these coverages together is known as full coverage.
In addition to these typical options, Apparent Insurance customers can add other coverages to their plans. Some of these additional insurance options include:
- Rental Car Coverage: Provides a vehicle when your car is out of use due to an accident.
- Custom Equipment Coverage: Pays to replace custom equipment in your vehicle.
- Accident Forgiveness: Rates won’t increase after your first at-fault accident.
The company also offers roadside assistance, which you can add to a policy for a small fee. Customers that choose to include this service will receive the following support:
- Gas delivery
- Flat tire repair
- Towing
- Locksmith service
Apparent doesn’t provide roadside service itself, but through a partnership with the roadside assistance company, Urgently. Customers can request assistance by calling Urgently at 1-888-871-6410. You can also contact an Apparent Insurance agent at 1-877-764-8679, and they’ll connect you with Urgently.
Adding roadside assistance or any of the company’s less traditional coverages will increase your Apparent auto insurance quotes.
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Apparent Insurance Rates Breakdown
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| Driver Profile | Apparent | National Average |
|---|---|---|
| Clean Record | $220 | $119 |
| 1+ Ticket | $290 | $147 |
| 1+ Accident | $340 | $173 |
| DUI | $360 | $209 |
| Poor Credit | $378 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
Apparent Insurance focuses on providing coverage to families, which often includes more than one person on a policy. Currently, the company only provides coverage to customers in Texas but could be expanding to other states in the future.
Comparing affordable Apparent auto insurance rates will help you determine if the price is right for you. The following chart compares the average Apparent monthly cost of a full coverage policy in Texas with other companies in the state:
Apparent Insurance Average Monthly Full Coverage Rates vs. Other Companies in Texas
| Company | Average Monthly Full Coverage Rates in Texas |
|---|---|
| Apparent | $193 |
| Clearcover | $154 |
| Direct Auto | $196 |
| Elephant | $194 |
| Progressive | $155 |
As you can see, Apparent has lower rates than some competitors but is more expensive than others. However, rates depend on various factors, so Apparent might be a cheaper option depending on your circumstances.
Read more:
Apparent Insurance Discounts Available
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| Discount | Apparent |
|---|---|
| Anti Theft | 5% |
| Good Student | 8% |
| Low Mileage | 7% |
| Paperless | 6% |
| Safe Driver | 9% |
| Senior Driver | 10% |
Car insurance can be expensive for parents, especially if multiple drivers need coverage. Fortunately, customers can combine various discounts to decrease their monthly rates. Like the best insurance companies, Apparent Insurance offers multiple discounts.
Apparent Insurance lists its most popular discounts and their descriptions on its website. The following table shows the Apparent auto insurance company discounts and driver eligibility:
Apparent Insurance Auto Discounts
| Auto Discount | Discount Eligibility |
|---|---|
| Good driver | Driver has no at-fault accidents or offenses. |
| Good student | High school or college students with at least a 3.0 grade point average. |
| Homeowner | Insured owns a single-family home. |
| Multi-car | Insure more than one car on a single auto insurance policy. |
| Multi-policy | Bundling different types of insurance. |
| Paperless documents | Insured signs up for paperless documents. |
| Paid in full | Policy is paid in one payment. |
| Spin-off policy | Child of a customer buys a new policy with Apparent. |
The company offers fewer discounts than many competitors but enough to lower your rates. In addition to auto insurance, the company provides other types of insurance that customers can bundle for further savings, including:
- Home Insurance
- Renters Insurance
- Motorcycle Insurance
- Life Insurance
When inquiring about quotes, ask an agent about available discounts to ensure you get the most savings. Additionally, the agent will help you determine which deals are available for your specific situation.
How Apparent Insurance Ranks Among Providers
Apparent Insurance stands as a provider catering specifically to families in Texas, offering a range of auto insurance options and additional coverages. However, amidst this market, several prominent competitors vie for attention by offering diverse products, discounts, and services tailored for families seeking reliable insurance coverage.
- State Farm: Known for its extensive network of agents and wide range of insurance products, including auto insurance tailored for families.
- Allstate: Another major player in the insurance industry, offering various coverage options, discounts, and features suitable for families.
- Geico: Recognized for its competitive rates and user-friendly online platform, Geico often appeals to families seeking affordable coverage.
- Progressive: Renowned for its innovative approach, Progressive provides various insurance options, including car insurance, with features suitable for families.
- Farmers Insurance: Similar to Apparent Insurance’s founder’s background, Farmers Insurance is recognized for its agent-based model and multiple coverage options.
As families seek dependable and comprehensive coverage, these competitors, including stalwarts like State Farm, Allstate, Geico, Progressive, and Farmers Insurance, continually strive to present innovative solutions and competitive pricing.
Understanding the individual value propositions of these competitors is crucial in making an informed decision for securing reliable insurance that meets the needs of Texas families.
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Apparent Insurance Claims Process
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
Apparent Insurance offers multiple avenues for filing claims, providing convenience to its customers. The process can be initiated online through their website’s claims section, over the phone by calling the designated claims number, or via email. This multi-channel approach caters to diverse customer preferences, allowing them to choose the most convenient method for them.
Average Claim Processing Time
The average claim processing time with Apparent Insurance may vary based on the complexity of the claim and the specific circumstances. However, the company strives to handle claims efficiently and expediently, aiming to resolve them in a timely manner. Customers can inquire about estimated processing times when filing their claims for more accurate information.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback regarding claim resolutions and payouts with Apparent Insurance has been generally positive. While individual experiences may vary, the company has garnered appreciation for its promptness in handling claims and ensuring fair payouts.
However, like any insurance provider, occasional concerns or discrepancies in specific cases might exist, prompting some mixed reviews. Nonetheless, Apparent has generally maintained a satisfactory track record in handling claim resolutions according to customer feedback.
Apparent Insurance Digital and Technological Features
Mobile App Features and Functionality
Apparent Insurance offers a user-friendly mobile app equipped with essential features for policy management and claims handling. The app allows customers to access their policy information, view documents, make payments, and initiate claims from their mobile devices. It provides a convenient platform for on-the-go account management, enhancing customer experience and accessibility.
Online Account Management Capabilities
The online account management system offered by Apparent Insurance is comprehensive and user-friendly. Customers can log in to their accounts through the company’s website and access various functionalities, including policy management, making payments, viewing policy documents, updating personal information, and tracking claims.
The online portal is designed to facilitate easy and efficient management of insurance policies.
Digital Tools and Resources
Apparent Insurance provides digital tools and resources to support its customers in understanding insurance policies and making informed decisions. These resources include informative articles, FAQs, and educational materials available on their website.
Additionally, the company may offer calculators or tools to estimate insurance needs, further assisting customers in navigating the complexities of insurance coverage.
Frequently Asked Questions
What types of insurance does Apparent Insurance offer?
Apparent Insurance specializes in providing auto insurance tailored for families in Texas. Their coverage includes various options for auto insurance, allowing customers to customize their policies based on their specific needs.
How can I obtain a quote from Apparent Insurance?
Getting a quote from Apparent Insurance is simple. You can visit their official website and utilize their online quote tool by providing necessary information about yourself and your vehicle. Alternatively, you can reach out to their customer service directly for assistance with obtaining a personalized quote.
What is the claims process like with Apparent Insurance?
Apparent Insurance offers multiple avenues for filing claims, providing convenience to its customers. Claims can be initiated online through their website, over the phone by calling the designated claims number, or via email. The company strives to process claims efficiently and aims to resolve them in a timely manner.
Does Apparent Insurance have a mobile app?
Yes, Apparent Insurance provides a mobile app that offers essential features for policy management and claims handling. The app allows customers to access policy information, view documents, make payments, and initiate claims from their mobile devices.
What discounts or savings options does Apparent Insurance offer?
Apparent Insurance offers various discounts to help customers save on their premiums. These discounts may include multi-policy discounts, safe driver discounts, and more. Customers can inquire about available discounts when obtaining a quote to maximize their savings.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
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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