Carnegie Auto Insurance Review [2024]
Carnegie General Insurance Agency serves residents across multiple states, offering non-standard auto insurance solutions with a focus on continuous improvement and trustworthiness.
Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
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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Carnegie Insurance
Average Monthly Rate For Good Drivers
N/AA.M. Best Rating:
A-Complaint Level:
LowPros
- Maybe an option for high-risk drivers
- Offers various types of insurance besides auto insurance
Cons
- Has a poor online reputation for customer service and claims processing
- Higher rates due to insuring higher-risk drivers
Carnegie General Insurance Company is a newer company that partners with multiple insurance companies to provide auto insurance, homeowners insurance, and more. However, it doesn’t have the best online reputation.
Read more about Carnegie insurance to determine what products the company offers, how much they cost, and whether the company is a good choice for you.
If you’re considering Carnegie insurance but want to explore other options as well, enter your ZIP code into our free quote comparison tool above to get auto insurance quotes today.
What You Should Know About Carnegie Insurance
Carnegie General Insurance Agency was founded in 1988 to provide insurance to California residents. It currently offers insurance to Arizona, California, Colorado, Nevada, Oregon, Texas, and Washington.
Carnegie’s mission is to provide continuous improvement, integrity and strong values, trustworthiness, and peace of mind.
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What are Carnegie’s ratings?
Carnegie provides insurance products in partnership with various companies, including:
- American Modern Insurance Group
- Brazos Specialty Risk Insurance
- Century-National Insurance Company
- Topa Insurance Company
- Western General Automobile Insurance Company
- Western General Insurance Company
Unfortunately, the NAIC complaint indices for the above companies reveal that there may be some issues with customer service or claims processes. Ranging between 4.27 and 25.31, the companies had significantly more complaints than companies of similar size compared to the national average NAIC complaint index of 1.00.
However, the companies mainly had positive A.M. Best ratings ranging between A- and A+, which means they have an excellent ability to meet their financial obligations. With that being said, you should note that Western General was forced into conservatorship and liquidation in 2021 because they could not meet financial obligations.
If you search for Carnegie customer reviews online, you’re likely to find many complaints. Many relate to customer service issues, slow claims processing, and difficulties with Carnegie insurance payments.
Read more:
How do I file a claim or get quotes?
The process for Carnegie insurance claims will depend on what specific company you have your policy through.
If you need to file a claim without your policy number, you can call (805) 445-1975. However, if you have your policy number, you can visit the Carnegie website, choose your prefix number, and the website will provide the number you need to call.
To receive Carnegie auto insurance quotes, you will need to contact a Carnegie agent.
How can I contact Carnegie insurance?
Carnegie’s website provides all of the contact information you will need. In addition, you can call the Carnegie phone number at (805) 445-1470. Its fax number is (805) 498-4805.
You can call the main phone number above if you need roadside assistance. However, the towing dispatch phone number is (877) 422-7634.
There’s a contact form that you can fill out on the Carnegie website.
Carnegie’s mailing address is PO Box 2595, Newbury Park, CA, 91319.
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Should I buy Carnegie auto insurance?
If you’re searching for auto insurance in one of the states where Carnegie is offered, you may want to consider searching for another auto insurance company.
For most people, you may be able to find better service at a company with a better reputation. Other companies may offer more ways to customize your policy and save on your auto insurance rates with discounts.
However, if you have a bad driving record and are having a hard time finding a company to insure you, Carnegie may be able to provide coverage. Discuss your options with an insurance agent before you make a solid decision to make sure you’re protected.
If you can’t find or don’t want affordable Carnegie auto insurance, enter your ZIP code into our free quote comparison tool below to find an auto insurance company near you.
Carnegie Insurance Coverage Options
Carnegie offers non-standard auto insurance, meaning it is suitable for high-risk drivers. It provides all of the basic types of insurance, including liability, collision, and comprehensive. Optional coverages may include roadside assistance, umbrella insurance, and collector’s or antique auto insurance.
If you require SR-22 insurance, Carnegie can provide SR-22 forms for all of the states in which it is licensed.
Carnegie also provides other types of insurance, including commercial insurance, motorcycle insurance, sport utility vehicle insurance, homeowners insurance, watercraft insurance, and more.
Carnegie General Insurance Agency, established in 1988, aims to provide insurance solutions with a focus on continuous improvement, integrity, trustworthiness, and peace of mind. Serving residents in Arizona, California, Colorado, Nevada, Oregon, Texas, and Washington, Carnegie partners with various insurance companies to offer a range of coverage options.
- Non-Standard Auto Insurance: Tailored for high-risk drivers, offering basic coverage such as liability, collision, and comprehensive.
- Commercial Coverage: Business-focused insurance solutions, catering to commercial enterprises for their specific needs.
- Homeowners Insurance: Protection for homeowners, safeguarding their property and possessions against potential risks.
- Motorcycle Insurance: Coverage designed for motorcycle enthusiasts, providing financial protection in case of accidents or theft.
- SR-22 Insurance: Carnegie offers SR-22 forms for all states in which it is licensed, assisting individuals who require this specific type of coverage.
- Optional Coverages: Roadside Assistance: Additional support for drivers in need of help on the road. Umbrella Insurance: Extra liability coverage beyond standard policies. Collector’s or Antique Auto Insurance: Tailored coverage for classic and antique vehicle owners.
- Other Insurance Types: Sport Utility Vehicle (SUV) Insurance: Coverage specific to SUV owners. Watercraft Insurance: Protection for various types of watercraft.
While Carnegie General Insurance Agency offers a diverse range of coverage options, it’s crucial for potential customers to weigh the pros and cons, considering factors such as customer reviews and complaint indices.
Whether you’re a high-risk driver or seeking specific coverage for your unique needs, exploring Carnegie’s offerings and comparing them with other providers can help you make an informed decision. Always consult with an insurance agent to discuss your options and ensure you choose coverage that aligns with your requirements.
Carnegie Insurance Rates Breakdown
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| Driver Profile | Carnegie Auto Insurance | National Average |
|---|---|---|
| Clean Record | $125 | $119 |
| 1+ Ticket | $155 | $147 |
| 1+ Accident | $178 | $173 |
| DUI | $218 | $209 |
| Poor Credit | $215 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
Because Carnegie insures higher-risk drivers, Carnegie auto insurance rates are likely higher than other insurance companies. Let’s take a look at some sample rates from popular auto insurance companies:
| Companies | Single 17-Year-Old Female Rates | Single 17-Year-Old Male Rates | Single 25-Year-Old Female Rates | Single 25-Year-Old Male Rates | Married 35-Year-Old Female Rates | Married 35-Year-Old Male Rates | Married 60-Year-Old Female Rates | Married 60-Year-Old Male Rates |
|---|---|---|---|---|---|---|---|---|
| Allstate | $774 | $887 | $285 | $298 | $263 | $260 | $243 | $249 |
| American Family | $500 | $678 | $191 | $225 | $184 | $185 | $166 | $168 |
| Farmers | $710 | $762 | $246 | $253 | $213 | $213 | $195 | $204 |
| Geico | $471 | $523 | $198 | $189 | $192 | $193 | $187 | $190 |
| Liberty Mutual | $968 | $1,143 | $330 | $375 | $317 | $321 | $287 | $307 |
| Nationwide | $480 | $598 | $224 | $241 | $197 | $199 | $178 | $185 |
| Progressive | $724 | $802 | $225 | $230 | $191 | $181 | $166 | $171 |
| State Farm | $496 | $610 | $195 | $213 | $173 | $173 | $156 | $156 |
| Travelers | $776 | $1,071 | $194 | $208 | $182 | $183 | $171 | $173 |
| USAA | $401 | $449 | $166 | $177 | $129 | $128 | $121 | $121 |
Now, let’s look at some sample rates based on driving record:
| Company | Average Annual Rates with Clean Record | Average Annual Rates with 1 Accident | Average Annual Rates with 1 DUI | Average Annual Rates with 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,819.90 | $4,987.68 | $6,260.73 | $4,483.51 |
| American Family | $2,693.61 | $3,722.75 | $4,330.24 | $3,025.74 |
| Farmers | $3,460.60 | $4,518.73 | $4,718.75 | $4,079.01 |
| Geico | $2,145.96 | $3,192.77 | $4,875.87 | $2,645.43 |
| Liberty Mutual | $4,774.30 | $6,204.78 | $7,613.48 | $5,701.26 |
| Nationwide | $2,746.18 | $3,396.95 | $4,543.20 | $3,113.68 |
| Progressive | $3,393.09 | $4,777.04 | $3,969.65 | $4,002.28 |
| State Farm | $2,821.18 | $3,396.01 | $3,636.80 | $3,186.01 |
| Travelers | $3,447.69 | $4,289.74 | $5,741.40 | $4,260.80 |
| USAA | $1,933.68 | $2,516.24 | $3,506.03 | $2,193.25 |
As you can tell from the table above, drivers with infractions on their driving records are likely to pay more for auto insurance. In addition, if a company insures many high-risk drivers, this could further increase rates.
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Carnegie Insurance Discounts Available
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| Discount | Carnegie Auto Insurance |
|---|---|
| Anti Theft | 18% |
| Good Student | 20% |
| Low Mileage | 19% |
| Paperless | 8% |
| Safe Driver | 18% |
| Senior Driver | 10% |
Carnegie General Insurance Agency, known for its non-standard auto insurance offerings, extends its commitment to customers through various discounts. While the company may cater to high-risk drivers, exploring potential savings is crucial for all policyholders. Here’s a breakdown of the discounts offered by Carnegie:
- Safe Driver Discounts: Reward for policyholders with a clean driving record, demonstrating safe and responsible driving behavior.
- Multi-Policy Discounts: Incentives for customers who bundle multiple insurance policies, such as auto and homeowners insurance.
- Good Student Discounts: Recognition for students who maintain good academic performance, reflecting responsibility on and off the road.
- Anti-Theft Discounts: Savings for installing anti-theft devices in your vehicle, enhancing its security and reducing the risk of theft.
- Defensive Driving Course Discounts: Encouragement for policyholders who voluntarily complete a defensive driving course to enhance their driving skills.
- Payment Discounts: Potential savings for policyholders who opt for convenient payment methods or enroll in automatic payment plans.
- Loyalty Discounts: Rewards for customers who stay with Carnegie over an extended period, reflecting loyalty and commitment.
While Carnegie General Insurance Agency strives to accommodate high-risk drivers, exploring available discounts can significantly impact policy costs. It’s essential for customers to leverage these opportunities for potential savings.
However, considering Carnegie’s overall service and reputation is equally important. Before making a decision, individuals are encouraged to compare not only discounts but also customer reviews and coverage options.
How Carnegie Insurance Ranks Among Providers
As you navigate the complex landscape of auto insurance, understanding the competitive landscape is crucial to making an informed decision. Carnegie General Insurance Agency, while offering non-standard auto insurance solutions, faces competition from various players in the insurance industry. Let’s delve into some of Carnegie’s main competitors, each with its own strengths and unique offerings.
- Progressive Corporation: Known for innovative policies and a user-friendly online platform. Offers a wide range of discounts, including Snapshot, a usage-based insurance program. Strong financial stability and a broad network of agents.
- GEICO (Government Employees Insurance Company): Renowned for competitive rates and a straightforward quoting process. Emphasizes customer service and accessibility through online and mobile channels. Extensive range of coverage options beyond auto insurance.
- State Farm: Largest auto insurance provider in the U.S., offering a diverse portfolio of insurance products. Personalized service through a vast network of local agents. Strong financial stability and a history of reliable customer support.
- Allstate Corporation: Offers a variety of coverage options, including innovative features like Accident Forgiveness. Highly-rated customer satisfaction and an extensive agent network. Robust online tools for policy management and claims processing.
- Nationwide Mutual Insurance Company: Comprehensive coverage options with a focus on customer-centric solutions. Membership benefits and loyalty programs for long-term policyholders. Nationwide’s Vanishing Deductible program allows safe drivers to lower their deductibles over time.
While Carnegie General Insurance Agency caters to high-risk drivers, exploring alternatives among its competitors is essential for individuals seeking the best value, coverage, and customer experience.
Each competitor brings its own set of advantages, and evaluating them based on your specific needs and preferences is crucial. By comparing rates, coverage options, and customer reviews, you can make an informed decision that aligns with your unique insurance requirements.
Read more: Employers Insurance Company of Nevada Review
Frequently Asked Questions
What types of insurance does Carnegie offer?
Carnegie General Insurance Agency offers non-standard auto insurance, commercial coverage, homeowners insurance, motorcycle insurance, and more.
Is Carnegie a good choice for auto insurance?
For most drivers, there may be better options for auto insurance with better service and lower rates. However, if you are a high-risk driver struggling to find insurance, Carnegie may be able to provide coverage.
How can I file a claim or get quotes with Carnegie insurance?
To file a claim, you can call the number provided on the Carnegie website or visit the website and choose your prefix number. To get quotes, you need to contact a Carnegie agent.
What are Carnegie’s ratings?
Carnegie provides insurance products in partnership with various companies, some of which have higher-than-average complaint indices for customer service or claims processes. However, they mainly have positive A.M. Best ratings ranging between A- and A+.
How can I contact Carnegie insurance?
Carnegie’s website provides all the contact information you need, including the main phone number and a contact form. You can also call their phone number or fax number, or mail them at their mailing address.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
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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