Imperium Insurance Company Review (2024)

Uncover the intricacies of Imperium Insurance Company as we delve into a detailed review of this prominent insurance provider, exploring its competitive rates, diverse coverage options, and commitment to exceptional customer service, equipping you with the insights needed to make informed decisions for your insurance needs.

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
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Imperium Insurance Company

Average Monthly Rate For Good Drivers

$100

A.M. Best Rating:

A (Excellent)

Complaint Level:

Low

Pros

  • Extensive range of insurance options, including auto, home, life, health, and business insurance
  • Competitive pricing and a variety of discounts available
  • High customer satisfaction ratings and quick claims processing
  • Strong financial stability provides peace of mind
  • User-friendly online tools for policy management and claims

Cons

  • Limited coverage in certain geographical regions
  • No 24/7 customer service hotline
  • Some policy customization options may be limited for certain insurance types

In this comprehensive article, we explore Imperium Insurance Company, a leading insurance provider offering a diverse range of coverage options for individuals and businesses. Imperium stands out with competitive rates, exceptional customer service, and efficient claims processing, making it a preferred choice in the insurance industry.

The company offers a suite of insurance products, including auto, home, life, health, and business insurance, each tailored to meet the unique needs of their customers. Additionally, Imperium provides various discounts to reward safe driving, responsible homeownership, and more.

With a commitment to providing peace of mind and financial security, Imperium Insurance Company stands as a reliable choice for those seeking comprehensive insurance solutions.

What You Should Know About Imperium Insurance Company

Company Contact Information

Related Parent or Child Companies

  • Imperium Insurance Company operates independently without any specific parent or child companies.

Financial Ratings

  • Imperium Insurance Company holds an A.M. Best rating of A (Excellent), indicating strong financial stability and reliability.

Customer Service Ratings

  • Imperium Insurance Company is known for high customer satisfaction ratings, but no updated information about specific numerical ratings or sources for these ratings yet.

Claims Information

  • Imperium Insurance Company distinguishes itself through its quick and efficient claims processing but no updated information about specific claims details process or contact information for claims.

Company Apps

  • No updated information about the availability of specific mobile apps offered by Imperium Insurance Company for policy management or claims. It’s advisable to visit their official website or contact their customer service for information on any mobile apps they may offer.

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Imperium Insurance Company Insurance Coverage Options

Imperium Insurance Company is committed to providing a wide array of insurance solutions to meet the diverse needs of individuals and businesses. They offer a comprehensive suite of coverage options, ensuring that you can protect what matters most to you. Below are the coverage options available:

  • Auto Insurance: Imperium offers comprehensive auto insurance coverage, including liability, collision, and comprehensive options, ensuring that your vehicle and your financial well-being are protected.
  • Home Insurance: Protect your home and its contents with Imperium’s home insurance policies, which cover a range of risks, including fire, theft, natural disasters, and liability.
  • Life Insurance: Imperium provides life insurance policies designed to offer financial security to your loved ones in the event of your passing, with options such as term life and whole life coverage.
  • Health Insurance: Ensure access to quality medical care with Imperium’s health insurance plans, offering various healthcare packages tailored to your needs.
  • Business Insurance: For businesses, Imperium offers comprehensive insurance solutions, including commercial property insurance, liability coverage, and worker’s compensation insurance, safeguarding your business from unforeseen risks.

These coverage options demonstrate Imperium Insurance Company’s commitment to providing a range of insurance products that offer protection and peace of mind to their customers.

Imperium Insurance Company Insurance Rates Breakdown

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Driver ProfileImperium Insurance CompanyNational Average
Clean Record$112$119
1+ Ticket$135$147
1+ Accident$157$173
DUI$188$209
Poor Credit$193$205

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

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Imperium Insurance Company Discounts Available

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DiscountImperium Insurance Company
Anti Theft18%
Good Student13%
Low Mileage15%
Paperless8%
Safe Driver20%
Senior Driver10%

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Imperium Insurance Company not only provides comprehensive coverage options but also offers a variety of discounts to help you save on your insurance premiums. These discounts are designed to reward safe driving, responsible homeownership, and more. Here are some of the discounts you may be eligible for:

  • Safe Driver Discount: Imperium rewards policyholders with a clean driving record by offering lower premiums as a recognition of their safe driving habits.
  • Multi-Policy Discount: If you bundle multiple insurance policies, such as auto and home insurance, with Imperium, you can enjoy significant savings on your premiums.
  • Good Student Discount: Students with good academic performance may qualify for a discount on their auto insurance premiums.
  • Home Safety Features Discount: If your home is equipped with safety features such as smoke detectors, burglar alarms, or fire extinguishers, Imperium offers discounts to homeowners who prioritize safety.
  • Multi-Vehicle Discount: Insuring multiple vehicles with Imperium can lead to reduced rates for each vehicle on your policy.
  • Payment Discounts: Some discounts may be available for policyholders who choose to pay their premiums upfront or via electronic funds transfer (EFT).
  • Claims-Free Discount: Policyholders who have a history of being claims-free may be eligible for a discount on their insurance premiums.
  • Senior Discount: Senior citizens may qualify for special discounts on their insurance coverage.
  • Military or Veterans Discount: Imperium Insurance Company often provides discounts to active military members, veterans, and their families as a gesture of gratitude for their service.
  • Safety Course Discount: Completing a defensive driving or safety course may make you eligible for a discount on your auto insurance.

These discounts reflect Imperium Insurance Company’s commitment to offering value to its customers and encouraging responsible behavior. To find out which discounts you qualify for, it’s best to contact Imperium directly or speak with one of their agents when purchasing a policy.

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How Imperium Insurance Company Ranks Among Providers

Imperium Insurance Company operates in a highly competitive insurance industry, and it faces competition from several well-established insurance providers. While the competitive landscape may vary depending on the region, some of the main competitors of Imperium Insurance Company include:

  • State Farm: State Farm is one of the largest and most recognized insurance companies in the United States. They offer a wide range of insurance products, including auto, home, life, and more. State Farm is known for its extensive network of agents and strong customer service.
  • Allstate: Allstate is another major player in the insurance industry, offering a comprehensive suite of insurance products and services. They are known for their innovative features like the Drivewise program, which rewards safe driving habits.
  • Geico: Geico is well-known for its auto insurance offerings and its popular advertising campaigns. They often highlight competitive rates and convenient online services as key selling points.
  • Progressive: Progressive is known for its innovative approach to auto insurance and its “Name Your Price” tool. They offer various discounts and focus on providing customizable coverage options.
  • Liberty Mutual: Liberty Mutual is a global insurance company that offers a wide range of insurance products, including auto, home, and life insurance. They emphasize personalized coverage and have a strong presence in the insurance market.
  • Nationwide: Nationwide provides a variety of insurance solutions, including auto, home, and pet insurance. They are known for their “On Your Side” promise and a wide network of agents.
  • Farmers Insurance: Farmers Insurance offers auto, home, life, and business insurance. They are known for their strong agent network and various coverage options.
  • Travelers: Travelers is a diverse insurance company that serves both individuals and businesses. They offer insurance solutions ranging from personal auto and home coverage to complex commercial insurance.
  • USAA: USAA primarily serves military members and their families. They are highly regarded for their customer service and commitment to serving the unique needs of military personnel.
  • Erie Insurance: Erie Insurance operates in several U.S. states and provides auto, home, and business insurance. They are known for their competitive rates and strong customer relationships.

The competitive landscape can vary by location, and customers’ preferences may depend on factors such as pricing, coverage options, customer service, and local reputation.

Streamlining Imperium Insurance Company Claims Process

Ease of Filing a Claim

Imperium Insurance Company prioritizes convenience for its policyholders when it comes to filing insurance claims. You have multiple options, including the ease of online submissions, the simplicity of filing over the phone, or the convenience of utilizing mobile apps. This flexibility ensures that reporting a claim aligns with your preferred method.

Average Claim Processing Time

Imperium Insurance Company is committed to efficient claim processing. Policyholders can expect a prompt response and resolution when filing claims. The company places great importance on minimizing claim processing time to provide quick assistance during critical situations.

Customer Feedback on Claim Resolutions and Payouts

Imperium Insurance Company values the feedback of its customers regarding claim resolutions and payouts. Their dedication to exceptional customer service extends to the claims process. Customer experiences and input are integral to continuous improvement. The company strives to deliver fair and satisfactory claim settlements while maintaining high levels of customer satisfaction.

Navigating Imperium Insurance Company’s Digital and Technological Features

Mobile App Features and Functionality

Explore Imperium Insurance Company’s robust mobile app, available for both Android and iOS users. This app offers an array of features and functionalities designed to streamline insurance management. From reporting claims to accessing policy information, the mobile app provides a user-friendly interface for efficient insurance management.

Online Account Management Capabilities

Imperium Insurance Company offers a user-friendly online account management platform. Policyholders can access their accounts 24/7, facilitating payments, reviewing policy details, and tracking claim statuses effortlessly. This online portal enhances convenience and empowers policyholders to take control of their insurance needs.

Digital Tools and Resources

Discover Imperium Insurance Company’s comprehensive set of digital tools and resources. These resources are designed to educate and assist policyholders, providing informative materials and interactive tools that offer valuable insights and guidance. Stay informed about insurance matters and make well-informed decisions with the help of these digital resources.

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Frequently Asked Questions

What types of insurance does Imperium Insurance Company offer?

Imperium Insurance Company offers a wide range of insurance products, including auto insurance, home insurance, life insurance, health insurance, and business insurance.

How can one get a quote for insurance from Imperium Insurance Company?

Prospective customers can obtain insurance quotes from Imperium Insurance Company by visiting their official website or contacting their customer service representatives.

Are Imperium’s insurance policies customizable to suit individual needs?

Yes, Imperium Insurance Company offers customizable insurance policies to ensure that each policy meets the unique needs and preferences of the policyholder.

What sets Imperium Insurance Company apart from other insurance providers?

Imperium Insurance Company distinguishes itself through its competitive rates, exceptional customer service, and efficient claims processing, making it a preferred choice among insurance providers.

How does Imperium Insurance handle claims processing?

Imperium Insurance Company is known for its quick and efficient claims processing, ensuring that policyholders receive timely assistance in the event of a claim.

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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.

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