Combined Insurance Company of America Review (2024)
Combined Insurance Company of America stands as a stalwart in the insurance industry, offering a diverse range of tailored policies for comprehensive protection, marked by streamlined claims, a customer-centric approach, and valuable discounts.
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
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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Combined Insurance Company of America
Average Monthly Rate For Good Drivers
$100A.M. Best Rating:
A- (Excellent)Complaint Level:
LowPros
- Comprehensive range of insurance offerings
- Customer-centric approach to service
- Strong financial rating and stability
- Positive customer reviews and testimonials
- User-friendly policy selection and claims process
Cons
- Limited transparency on specific policy rates without direct inquiry
- Availability of coverage options might vary based on location
- Limited information available on discounts and bundling options
In an ever-changing world where uncertainty prevails, the safeguarding of one’s future takes precedence, and that’s precisely where Combined Insurance Company of America steps in. Offering an array of insurance policies designed to provide unwavering financial security and peace of mind, this reputable institution stands as a beacon of trust in the insurance industry.
From personalized health and life insurance to coverage for accidents and disabilities, Combined Insurance offers holistic protection. Rooted in customer focus and innovation, their efficient claims process, commitment to clients, and diverse discounts establish them as industry leaders.
The article delves deep into the gamut of insurance options offered by Combined Insurance, emphasizing its benefits, competitive edge, and strategic advantages over competitors, thus illuminating a path toward a secure and assured future.
Combined Insurance Company of America Insurance Coverage Options
At Combined Insurance Company of America, a range of comprehensive coverage options awaits. These meticulously crafted offerings ensure that you and your loved ones are safeguarded against life’s uncertainties. From essential protection to tailored plans, let’s delve into the array of coverage choices that Combined Insurance brings to the table.
- Life Insurance: Combined Insurance offers a range of life insurance policies, including term life and whole life coverage. These policies provide financial security to your loved ones in the event of your passing, helping them maintain their quality of life and meet financial obligations.
- Health Insurance: With health insurance coverage from Combined Insurance, you can have peace of mind knowing that your medical expenses are covered. Whether it’s routine check-ups, medical treatments, or hospital stays, their health insurance plans offer a safety net for your healthcare needs.
- Accident Insurance: Accidents can happen unexpectedly, leading to unforeseen expenses. Combined Insurance’s accident insurance provides financial protection in case of accidents, helping you cover medical bills, rehabilitation costs, and other related expenses.
- Supplemental Insurance: Life is full of unexpected twists, and sometimes, primary insurance policies might not cover all expenses. Combined Insurance’s supplemental insurance policies are designed to fill these gaps, offering coverage for expenses like deductibles, co-pays, and other out-of-pocket costs.
These coverage options from Combined Insurance Company of America are tailored to provide comprehensive protection for various aspects of your life, ensuring that you and your loved ones are prepared for the uncertainties that life may bring.
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Combined Insurance Company of America Insurance Rates Breakdown
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Driver Profile | Combined Insurance | National Average |
---|---|---|
Clean Record | $221 | $119 |
1+ Ticket | $267 | $147 |
1+ Accident | $342 | $173 |
DUI | $442 | $209 |
Poor Credit | $380 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
Combined Insurance Company of America Discounts Available
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Discounts | Combined Insurance |
---|---|
Anti Theft | 13% |
Good Student | 14% |
Low Mileage | 11% |
Paperless | 10% |
Safe Driver | 13% |
Senior Driver | 12% |
Combined Insurance Company of America not only provides comprehensive coverage but also offers various discounts to make their insurance policies even more appealing. These discounts can help you save on your premiums while still enjoying the benefits of robust coverage. Here are some of the discounts you can take advantage of:
- Multi-policy Discount: If you bundle multiple insurance policies with Combined Insurance, such as health and life insurance, you can enjoy a discount on your premiums.
- Safe Driver Discount: For policies such as accident insurance, being a safe driver can lead to reduced premiums. If you have a history of safe driving, you may be eligible for this discount.
- Healthy Lifestyle Discount: For health insurance policies, maintaining a healthy lifestyle can lead to cost savings. If you participate in wellness programs or meet certain health criteria, you could qualify for this discount.
- Family Discount: Many of Combined Insurance’s policies offer family coverage options. By insuring multiple family members under one policy, you can often enjoy a discounted rate compared to individual policies.
- Loyalty Discount: Combined Insurance values its long-term customers. As a token of appreciation for your loyalty, the company may offer discounts to policyholders who have been with them for a certain period.
- Group Discount: If you’re part of an eligible group or organization, you might be able to access group insurance rates through Combined Insurance, leading to potential savings.
- Full Payment Discount: Opting to pay your premiums in full for the entire policy term can sometimes lead to a discount compared to paying in installments.
- Renewal Discount: When it’s time to renew your policy, you might be eligible for a renewal discount as a reward for staying with Combined Insurance.
- Early Signing Discount: Signing up for a policy well in advance can sometimes result in an early signing discount, encouraging you to secure your coverage ahead of time.
These discounts can vary based on the type of insurance policy and the specifics of your situation. It’s recommended to speak with a Combined Insurance representative to understand the full range of discounts available and determine which ones you qualify for.
By taking advantage of these discounts, you can make your insurance coverage even more affordable without compromising on the quality of protection you receive.
How Combined Insurance Company of America Ranks Among Providers
Combined Insurance Company of America operates within a competitive landscape where various insurance providers offer similar products and services. Understanding the company’s main competitors can provide valuable insights into the broader market. Here are some of the key competitors that Combined Insurance may face:
- Aflac: Aflac is a well-known insurance company specializing in supplemental insurance products, including accident, health, and disability insurance. Like Combined Insurance, Aflac offers policies that help individuals and families manage unexpected medical expenses and income loss. (For more information, read our “Aflac vs. Combined Insurance Company of America“).
- Prudential Financial: Prudential is a major player in the insurance industry, offering a wide range of insurance and financial products, including life insurance and retirement solutions. Their extensive portfolio positions them as a strong competitor to Combined Insurance’s offerings.
- Allstate: Allstate is a prominent insurance company offering a variety of insurance options, including auto, home, and life insurance. Their comprehensive approach to insurance coverage makes them a significant player in the industry.
- State Farm: State Farm is another noteworthy competitor that offers auto, home, and life insurance, along with various financial products. With a substantial customer base, State Farm is a well-established rival in the insurance sector.
- Metlife: Metlife is a global insurance provider offering a range of insurance products, including life, dental, and disability insurance. Their widespread presence and diverse offerings position them as a formidable competitor.
- Colonial Life: Colonial Life specializes in voluntary benefits and worksite insurance solutions, similar to Combined Insurance’s focus on supplemental coverage. Their targeted approach to employee benefits makes them a direct competitor in the market.
- Mutual of Omaha: Mutual of Omaha offers various insurance and financial products, including life, health, and long-term care insurance. Their wide range of offerings allows them to compete with Combined Insurance’s diverse portfolio.
- Liberty Mutual: Liberty Mutual provides various insurance options, including auto, home, and life insurance. Their comprehensive approach to coverage and established reputation make them a significant contender.
- Cigna: Cigna is a major health insurance provider offering medical, dental, and other health-related insurance products. While focusing primarily on health, Cigna’s prominence in the insurance sector places them in competition with Combined Insurance’s health-related offerings.
- Unum: Unum specializes in disability, life, and other supplemental insurance products for both individuals and businesses. Their focus on providing financial protection aligns them with Combined Insurance’s target market.
These competitors, among others, collectively contribute to a dynamic insurance landscape. Combined Insurance Company of America distinguishes itself through its comprehensive coverage options, personalized claims process, and commitment to customer satisfaction.
In this competitive environment, understanding the unique strengths and offerings of each competitor is essential for both consumers and insurance providers like Combined Insurance.
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Combined Insurance Company of America Claims Process
Ease of Filing a Claim
Combined Insurance Company of America prioritizes a hassle-free approach to filing insurance claims. Policyholders benefit from the convenience of multiple channels for claims submission, including online, over the phone, and through user-friendly mobile apps.
This flexibility ensures that customers can choose the method that aligns best with their preferences, making the claims process highly accessible and user-centric.
Average Claim Time Processing
An essential aspect of any insurance provider is the speed at which they handle claims. Combined Insurance Company of America is renowned for its efficient claim processing. While the exact processing time may vary depending on the complexity of the claim, the company is committed to expediting claim resolution.
This dedication ensures that policyholders receive the financial support they require promptly, particularly during critical moments.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback serves as a crucial indicator of an insurance company’s performance. Combined Insurance Company of America has earned positive feedback for its proficiency in resolving claims and the fairness of its payout procedures.
Policyholders have expressed their satisfaction with the company’s responsiveness and equitable handling of claims. This positive reputation reflects the company’s unwavering commitment to providing exceptional support to its customers during challenging times.
Combined Insurance Company of America Digital and Technological Features
Mobile App Features and Functionality
Combined Insurance Company of America offers a feature-rich mobile app designed to provide policyholders with seamless access to their insurance-related information.
The app boasts a suite of functionalities, including policy management, streamlined claims submission, and real-time updates on claim status. These capabilities enhance the overall customer experience by placing essential insurance tools conveniently at customers’ fingertips.
Online Account Management Capabilities
Policyholders can effortlessly manage their insurance policies through Combined Insurance’s intuitive online portal. This platform empowers customers to view and update their policy details, make premium payments, and monitor the progress of their claims.
The online account management capabilities give customers greater control over their insurance policies, allowing them to access vital information whenever they need it.
Digital Tools and Resources
Combined Insurance Company of America offers an array of digital tools and resources designed to assist customers in making well-informed decisions about their insurance coverage. These resources may encompass educational articles, calculators for estimating coverage needs, and online quote tools.
These digital assets serve as invaluable aids for policyholders, enabling them to navigate the intricacies of insurance and select the most suitable coverage options.
The incorporation of these digital and technological features into their services underscores Combined Insurance Company of America’s commitment to enhancing the customer experience and providing modern, user-friendly solutions for insurance management.
Frequently Asked Questions
What makes Combined Insurance unique?
Combined Insurance stands out for its comprehensive coverage options, personalized claims assistance, and a legacy of trust.
Are the policies affordable?
Combined Insurance offers a range of policies to fit various budgets, ensuring that everyone can access the protection they need.
Can I customize my coverage?
Yes, Combined Insurance understands that everyone’s needs are unique. They offer customizable coverage options to align with your specific requirements.
How do I file a claim?
Filing a claim with Combined Insurance is simple. Reach out to their claims team, and they’ll guide you through the process step by step.
Is Combined Insurance licensed nationwide?
Yes, Combined Insurance’s coverage extends across the nation, providing insurance solutions to individuals and families nationwide.
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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.