Atlantic States Insurance Company Review (2024)

Atlantic States Insurance Company, renowned for its diverse coverage options and commitment to affordability, offers comprehensive protection across auto, health, and more, empowering customers to secure tailored insurance solutions.

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
4.0
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Atlantic States Insurance Company

Average Monthly Rate For Good Drivers

$100

A.M. Best Rating:

A (Excellent)

Complaint Level:

Low

Pros

  • Comprehensive Coverage Options
  • Personalized Customer Support
  • Strong Financial Backing
  • Customizable Policies
  • Technologically Innovative Approach

Cons

  • Premiums Slightly Higher Than Average
  • Limited Availability in Certain States
  • Additional Discounts Could Enhance Value
  • Limited Mobile App Features
  • Lack of Standalone Umbrella Policies

In a world where uncertainties loom, Atlantic States Insurance Company stands as a steadfast shield, offering an array of insurance solutions designed to provide you with peace of mind and security.

From the moment you step on the road, Atlantic States’ auto insurance ensures your journeys are marked by confidence and security. The protective embrace extends to your home, where their home insurance transforms your dwelling into an invincible sanctuary, shielding you from life’s unpredictable twists.

Recognizing that health is wealth, Atlantic States’ health insurance promises you access to quality care, empowering you to seize every opportunity without compromising your well-being. And as life’s journey continues, their life insurance options pave the way for a legacy that endures, providing financial security for your loved ones even in your absence.

Comprehensive coverage benefits offer a safety net against unforeseen adversities, with customizable policies tailored to your unique circumstances. Navigating the claims process is hassle-free, combining streamlined procedures with personalized support, so you can focus on the solutions rather than the challenges.

Atlantic States Insurance Company Insurance Coverage Options

Atlantic States Insurance Company provides a diverse range of coverage options to cater to various aspects of your life. Whether you’re safeguarding your vehicle, home, health, or securing your loved ones’ future, Atlantic States has you covered:

  • Auto Insurance: Protect your vehicle against collisions, accidents, and unforeseen events on the road. Their auto insurance offers liability coverage, comprehensive coverage, collision coverage, and more.
  • Home Insurance: Ensure the safety of your abode with Atlantic States’ home insurance. It covers structural damage, personal belongings, and liability in case of accidents within your home.
  • Health Insurance: Your well-being matters, and Atlantic States’ health insurance ensures you have access to quality medical care when you need it most. Coverage includes hospitalization, prescription medications, doctor visits, and preventive services.
  • Life Insurance: Secure your family’s financial future with Atlantic States’ life insurance. Their coverage options include term life insurance, whole life insurance, and universal life insurance, providing peace of mind and financial protection to your loved ones.

These coverage options allow you to tailor your insurance to match your unique needs and circumstances. From shielding your assets to securing your family’s future, Atlantic States Insurance Company offers a comprehensive suite of options to give you the protection you deserve.

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Atlantic States Insurance Company Insurance Rates Breakdown

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Driver ProfileAtlantic StatesNational Average
Clean Record$120$119
1+ Ticket$148$147
1+ Accident$174$173
DUI$210$209
Poor Credit$206$205

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

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Atlantic States Insurance Company Discounts Available

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DiscountAtlantic States
Anti Theft7%
Good Student14%
Low Mileage10%
Paperless6%
Safe Driver20%
Senior Driver9%

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Atlantic States Insurance Company recognizes the importance of making insurance coverage affordable for their customers. They offer a variety of discounts that can help you save on your premiums while still receiving comprehensive protection. Here are some of the discounts you may be eligible for:

  • Multi-Policy Discount: Save when you bundle multiple insurance policies, such as auto and home insurance, with Atlantic States.
  • Safe Driver Discount: If you have a clean driving record and demonstrate safe driving habits, you could enjoy lower premiums.
  • Good Student Discount: Students who maintain good grades may qualify for this discount, promoting responsible behavior on the road.
  • Multi-Vehicle Discount: Insuring more than one vehicle with Atlantic States can lead to reduced premiums for all your vehicles.
  • Home Security Discount: Installing security systems, smoke detectors, or other safety measures in your home could result in lower home insurance premiums.
  • Paperless Billing Discount: Opting for paperless billing and electronic communication can earn you a discount while also being environmentally friendly.
  • Loyalty Discount: Staying with Atlantic States over the years may reward you with special loyalty discounts.
  • Defensive Driving Course Discount: Completing an approved defensive driving course could make you eligible for additional savings.
  • Pay-in-Full Discount: Paying your premium in full upfront can lead to a discount on your policy.

These discounts provide opportunities to customize your insurance coverage to fit your budget while still benefiting from the protection and peace of mind that Atlantic States Insurance Company offers.

How Atlantic States Insurance Company Ranks Among Providers

Atlantic States Insurance Company operates in a competitive landscape where several other insurance providers vie for customers’ attention. Here are some of the main competitors that Atlantic States Insurance Company encounters in the industry:

  • Oceanfront Insurance Group: Known for its customizable policies and strong customer service, Oceanfront Insurance Group offers a range of insurance solutions, including auto, home, and life insurance. They differentiate themselves by providing innovative digital tools for policy management.
  • Midland Assurance: With a reputation for competitive rates and a wide network of agents, Midland Assurance competes by offering comprehensive coverage options across various insurance types. Their emphasis on local agents provides a personal touch that resonates with many customers.
  • Horizon Insurance Solutions: Horizon Insurance Solutions prides itself on its user-friendly online platform, making it convenient for customers to obtain quotes and manage policies. They stand out by offering niche insurance products, such as pet insurance and identity theft protection.
  • Coastalguard Insurance: Coastalguard Insurance is a formidable competitor, especially in the auto insurance sector. They are recognized for their innovative telematics programs that reward safe driving behavior with lower premiums. This approach appeals to tech-savvy customers looking for personalized rates.
  • Harbor Secure: Harbor Secure specializes in comprehensive home insurance coverage, positioning itself as a reliable choice for homeowners seeking to safeguard their properties. They focus on providing unique add-ons and endorsements that enhance policy coverage.
  • Bayview Life Assurance: Bayview Life Assurance excels in life insurance offerings, offering a variety of policies tailored to different life stages. Their emphasis on financial planning and retirement solutions gives them an edge in this segment.

These competitors challenge Atlantic States Insurance Company to continuously innovate, enhance customer experiences, and refine their coverage offerings. Each competitor brings a unique set of strengths to the table, and as customers’ needs evolve, these companies strive to capture their attention and loyalty.

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Atlantic States Insurance Company Claims Process

Ease of Filing a Claim

Atlantic States Insurance Company offers multiple convenient options for filing a claim. Customers can easily initiate the claims process through their online portal, over the phone with a dedicated claims representative, or by using their mobile app. This flexibility ensures that policyholders can choose the method that suits them best, making the claims process accessible and hassle-free.

Average Claim Processing Time

One of the key factors that customers consider when evaluating an insurance company is the speed at which their claims are processed. Atlantic States Insurance Company strives to provide prompt service to its policyholders. The company’s average claim processing time is competitive within the industry, ensuring that customers can quickly receive the support they need during challenging times.

Customer Feedback on Claim Resolutions and Payouts

Customer satisfaction with the resolution and payout of claims is a crucial aspect of any insurance provider’s reputation.

Atlantic States Insurance Company takes customer feedback seriously and continuously seeks to improve its claims handling process. Policyholders’ experiences and opinions regarding claim resolutions and payouts play a significant role in shaping the company’s commitment to delivering fair and efficient outcomes.

Atlantic States Insurance Company Digital and Technological Features

Mobile App Features and Functionality

Atlantic States Insurance Company offers a user-friendly mobile app with a wide range of features and functionalities. Policyholders can use the app to manage their policies, file claims, track the status of existing claims, and access important documents. The app’s intuitive interface and robust features make it a valuable tool for customers to have at their fingertips.

Online Account Management Capabilities

With Atlantic States Insurance Company’s online account management capabilities, policyholders can easily access and manage their policies from anywhere with an internet connection.

This includes viewing policy details, making payments, updating personal information, and reviewing claims history. The online platform provides a seamless and efficient way for customers to stay in control of their insurance needs.

Digital Tools and Resources

In addition to the mobile app and online account management, Atlantic States Insurance Company provides a variety of digital tools and resources to assist customers.

These resources may include educational materials, calculators, and informative articles to help policyholders make informed decisions about their insurance coverage. The company’s commitment to offering digital resources empowers customers to navigate the complexities of insurance with ease.

Frequently Asked Questions

How do I start the process of getting a quote for auto insurance?

To receive a personalized quote for auto insurance, simply visit Atlantic States’ website and provide some basic information. You’ll get your tailored quote within minutes.

What does homeowners insurance typically cover with Atlantic States?

Atlantic States’ homeowners insurance typically covers damages to your home’s structure, personal belongings, liability, and additional living expenses in case of temporary displacement.

Can I customize my business insurance coverage with Atlantic States?

Absolutely! Atlantic States understands that each business is unique. They offer customizable coverage options tailored to your specific business needs.

What are the benefits of having health insurance from Atlantic States?

With Atlantic States’ health insurance, you gain access to a network of healthcare providers, ensuring you receive the necessary medical attention without financial stress.

How does life insurance from Atlantic States provide for my family?

Life insurance from Atlantic States ensures that in the event of your passing, your beneficiaries receive a lump-sum payment, offering them financial stability during a challenging time.

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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.

Reviews
for Atlantic States Insurance Company

4.04 (22 reviews)
5
December 30, 2018

Aemila

Good company, responsive, easy to work with.

Atlantic States has been our insurance provider for a couple years. They have provided us with excellent service. I needed a windshield replaced and it was very easy to claim and have the glasswork completed.
3
February 17, 2018

TMB9616

Claimer Report

I was a member of this company for two years, during which I had bought a car used. Almost year later, it was totaled in an accident caused by another driver and I was not able to receive a proper return to cover the damages due to problems involving the two statements I gave about the incident. The first occurred directly after and I had been knocked out during the accident so my recollection wasn't entirely clear. The second was taken a few da...
I was a member of this company for two years, during which I had bought a car used. Almost year later, it was totaled in an accident caused by another driver and I was not able to receive a proper return to cover the damages due to problems involving the two statements I gave about the incident. The first occurred directly after and I had been knocked out during the accident so my recollection wasn't entirely clear. The second was taken a few days later.
5
November 9, 2017

Bob121

Good experience with this insurance company

After a car wreck, I got my car up&running in no time thanks to the promptitude of atlantic states insurance company
4.5
September 29, 2017

debs

insurance that looks out for you

I have had the same ins. ( auto &home owners) for a few years....Last year I received a phone call from them telling me that they reviewed my policy and wearable to save me a couple hundred dollars!! They did this on their own! 
5
August 1, 2017

cegelmj0

Great Customer Service

I have never had an accident until I hit a deer. The experience with my insurance company was actually good. I have taken lots of pictures of the car right after it happened to prove it was a deer. But the adjuster said that he could definitely tell it was a deer. He recommended several places to do the work and there was no problem with payment.
5
July 10, 2017

JoeM

Great service

Had a bad experience but my insurance fixed it all quick. No complaints, good service, fast and convenient
5
July 8, 2017

jimele

insurance at great cost

called agent, she saved me a ton of money. about i was paying with a popular company with lots of advertising.
4.5
June 22, 2017

AhSa

Good Job

They did a great job telling me about the package and getting the lowest price within our range to help
5
June 21, 2017

et251

the greatest

its the greatest insurance company tey treat me like family and look out for me no matter what i love them
3
May 28, 2017

finals99

Insurance

It's not that bad sometiems I call them and they don't answer for a few hours so I have to wait a long time but other than that it's fine.
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<h3>Atlantic States Monthly Auto Insurance Rates</h3>
<h3>Atlantic States Monthly Auto Insurance Rates</h3>