Clearwater Insurance Company: Customer Ratings & Reviews [2025]
Clearwater Insurance Company stands out as a reliable choice for individuals seeking top-rated auto insurance, offering a range of coverage options, competitive rates, and a strong reputation for exceptional customer service.
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Table of Contents
Table of Contents
Licensed Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the ...
Heidi Mertlich
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Kristen Gryglik
Updated April 2024
In this article, we explored Clearwater Insurance Company, a top-rated insurance provider that offers a variety of insurance products and services. Clearwater Insurance Company has a long history of providing excellent customer service and affordable rates to its customers.
The company offers a range of insurance products, including auto, home, life, and specialty insurance, as well as a variety of discounts to help customers save money on their premiums. With a strong reputation for quality and reliability, Clearwater Insurance Company is a great choice for anyone looking for reliable insurance coverage.
What You Should Know About Clearwater Select
Company Contact Information:
- Clearwater Insurance Company can be contacted at 1-800-555-5555.
- Customers can also contact the company through their website or mobile app.
Related Parent or Child Companies:
- Clearwater Insurance Company is a subsidiary of The Clearwater Group.
Financial Ratings:
- Clearwater Insurance Company has an A+ (Superior) rating from A.M. Best.
- The company also has a strong financial stability rating from other major rating agencies.
Customer Service Ratings:
- Clearwater Insurance Company has received high customer satisfaction ratings from J.D. Power and other consumer research companies.
- The company has a reputation for providing excellent customer service and support to their policyholders.
Claims Information:
- Clearwater Insurance Company offers a streamlined claims process for their policyholders.
- Customers can file a claim online or through the company’s mobile app.
- Claims are typically processed quickly and efficiently, and the company has a good reputation for paying out claims fairly.
Company Apps:
- Clearwater Insurance Company has a mobile app that allows customers to manage their policies, file claims, and access other features on-the-go.
- The app is available for both iOS and Android devices, and is free to download and use for policyholders.
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Clearwater Select Insurance Coverage Options
Clearwater Insurance Company understands that one size doesn’t fit all when it comes to protection. Offering a diverse range of coverage options, they ensure individuals find tailored solutions to safeguard what matters most.
- Liability Coverage: This coverage is mandatory in most states and covers damages and injuries caused to others in an accident where the policyholder is at fault.
- Collision Coverage: This coverage pays for damages to the policyholder’s own vehicle in a collision with another vehicle or object.
- Comprehensive Coverage: This coverage pays for damages to the policyholder’s vehicle caused by non-collision events such as theft, vandalism, fire, or natural disasters.
- Personal Injury Protection (PIP): This coverage pays for medical expenses, lost wages, and other damages incurred by the policyholder and their passengers in an accident, regardless of who was at fault.
- Uninsured/underinsured Motorist Coverage: This coverage protects the policyholder in the event they are in an accident with an uninsured or underinsured driver.
- Rental Reimbursement Coverage: This coverage pays for the cost of renting a replacement vehicle while the policyholder’s vehicle is being repaired after an accident.
- Roadside Assistance Coverage: This coverage provides 24/7 assistance for common roadside emergencies such as flat tires, dead batteries, and lockouts.
These coverage options can be customized to meet the individual needs and budget of each policyholder. Clearwater Insurance Company offers a range of deductibles and coverage limits to help customers find the right balance between protection and affordability.
Clearwater Select Insurance Rates Breakdown
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| Driver Profile | Clearwater Insurance Company | National Average |
|---|---|---|
| Clean Record | $195 | $230 |
| 1+ Ticket | $250 | $270 |
| 1+ Accident | $290 | $310 |
| DUI | $360 | $380 |
| Poor Credit | $335 | $396 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
Clearwater Select Discounts Available
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| Discount | Clearwater Insurance Company |
|---|---|
| Anti Theft | 10% |
| Good Student | 15% |
| Low Mileage | 8% |
| Paperless | 5% |
| Safe Driver | 12% |
| Senior Driver | 7% |
Clearwater Insurance Company not only prioritizes comprehensive coverage but also strives to make insurance more accessible. Through an array of discounts, they reward responsible behaviors and offer financial incentives, ensuring their policyholders save while securing robust protection.
- Multi-Policy Discount: Savings for bundling multiple insurance policies.
- Safe Driver Discount: Rewards for maintaining a clean driving record.
- Good Student Discount: Discounts for students with good academic performance.
- Home Safety Discount: Incentives for implementing safety features in the home.
- Accident-Free Discount: Savings for drivers with a history of no accidents.
- Anti-Theft Device Discount: Discounts for vehicles equipped with anti-theft devices.
- Defensive Driving Course Discount: Savings for completing approved defensive driving courses.
- Military and Senior Citizen Discounts: Special discounts for military personnel and senior citizens.
- Low Mileage Discount: Savings for driving fewer miles annually.
Clearwater Insurance Company’s commitment to offering a diverse range of discounts underscores their dedication to providing not just coverage but also affordability. By rewarding safe practices and qualifying criteria, they empower individuals to safeguard their assets while enjoying significant savings.
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How Clearwater Select Ranks Among Providers
While Clearwater Insurance Company is a reputable provider of auto insurance, they do have several competitors in the market. Here are a few of the main competitors of Clearwater Insurance Company:
- State Farm: Known for its extensive network of agents and a wide array of insurance offerings including auto, home, and life insurance. They emphasize personalized service and have a strong market presence.
- Geico: Recognized for competitive rates and user-friendly online tools, Geico appeals to customers seeking convenience and cost-effective coverage. Their advertising campaigns also contribute to their widespread recognition.
- Progressive: Renowned for its innovative Snapshot program that tracks driving habits to offer personalized discounts. Progressive is a popular choice for those looking for customizable coverage and competitive rates.
- Allstate: Distinguished for its bundling options and diverse insurance products beyond auto insurance. Allstate emphasizes customer service and offers various discounts to its policyholders.
Overall, Clearwater Insurance Company faces stiff competition from a number of well-established players in the auto insurance industry. However, by offering customizable coverage options, competitive rates, and excellent customer service, they are able to remain a strong contender in the market.
Clearwater Insurance Claims Process
Ease of Filing a Claim
Clearwater Insurance Company facilitates claim filing through multiple channels, including online submissions, phone, and mobile apps. The online platform offers a user-friendly interface for seamless claim reporting, while phone assistance is available for those preferring direct communication. The mobile app streamlines the process, allowing quick and convenient claim submissions on the go.
Average Claim Processing Time
The average claim processing time with Clearwater Insurance Company is typically prompt, with many claims resolved efficiently within a reasonable timeframe. Depending on the complexity of the claim, processing times may vary, but the company aims for timely resolutions to expedite payouts and support customers during challenging situations.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback regarding claim resolutions and payouts is generally positive. The company is praised for its fair and efficient handling of claims, with most customers expressing satisfaction with the responsiveness and transparency throughout the process.
However, like any insurer, there might be occasional grievances or delays reported by some customers, but these instances appear to be relatively infrequent.
Clearwater Insurance Digital and Technological Features
Mobile App Features and Functionality
Clearwater Insurance Company’s mobile app offers a comprehensive suite of features, allowing policyholders to manage their accounts, file claims, view policy details, and make payments conveniently from their smartphones. The app’s intuitive interface ensures easy navigation, providing a seamless user experience.
Online Account Management Capabilities
The online account management system is robust, offering policyholders extensive control over their accounts. Users can access and update policy information, track claims, review coverage details, and request changes or additions to their policies. The platform’s accessibility and functionality make managing insurance matters effortless.
Digital Tools and Resources
Clearwater Insurance Company provides various digital tools and resources, including educational materials, FAQs, and informational resources on their website. These resources aim to assist customers in understanding insurance concepts, making informed decisions, and accessing necessary information easily.
Additionally, they offer calculators and guides to help users estimate coverage needs and premiums accurately.
Frequently Asked Questions
Is Clearwater Select a good choice?
Clearwater Insurance Company is a reputable provider of auto insurance with a long history of providing high-quality insurance products and exceptional customer service. They offer a variety of coverage options and discounts, making them a good choice for many individuals.
How can I qualify for a discount on my insurance premium?
Clearwater Insurance Company offers a variety of discounts, such as multi-policy discounts, safe driver discounts, good student discounts, and home safety discounts. To qualify for these discounts, you may need to meet certain criteria, such as having a clean driving record or installing safety features in your home.
What types of specialty insurance products does Clearwater Insurance Company offer?
Clearwater Insurance Company offers a range of specialty insurance products, including pet insurance, umbrella insurance, and flood insurance.
What do customers say about Clearwater Insurance Company’s customer service?
Many customers have praised Clearwater Insurance Company’s customer service, citing their friendly and helpful representatives and their quick and efficient claims processing. However, as with any company, there are also some negative reviews, with some customers reporting longer wait times or difficulties resolving issues with their policies.
How does Clearwater Insurance Company compare to its competitors?
Clearwater Insurance Company faces competition from other reputable auto insurance providers such as State Farm, GEICO, Progressive, and Allstate. Each company has its own unique offerings and strengths. Clearwater Insurance Company stands out with customizable coverage options, competitive rates, and excellent customer service.
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