Old Guard Insurance Company Review (2024)
Old Guard Insurance Company has provided a diverse range of insurance solutions, emphasizing both financial strength and dedication to ensuring customer satisfaction.
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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Old Guard Insurance Company
Average Monthly Rate For Good Drivers
$100A.M. Best Rating:
A+ (Superior)Complaint Level:
LowPros
- Long-standing reputation and financial stability.
- Comprehensive range of insurance products.
- Competitive pricing and various discounts.
- Easy and efficient claims process.
- Personalized coverage options.
Cons
- Limited availability in certain regions.
- May not offer specialized insurance products.
- Online account management could be more user-friendly.
In a world filled with uncertainty, Old Guard Insurance Company stands as a stalwart guardian of financial security. With a resounding A+ rating from A.M. Best, this trusted insurance provider offers a comprehensive array of coverage options, including Auto Insurance, Home Insurance, Life Insurance, and Health Insurance.
Their competitive pricing, coupled with a host of discounts, ensures that policyholders receive value for their money. Old Guard’s commitment to customer satisfaction is evident in its efficient claims process and personalized coverage solutions.
With a rich history dating back to 1980, Old Guard Insurance Company combines financial stability, reliability, and a customer-centric approach, making it a go-to choice for safeguarding against life’s uncertainties.
Old Guard Insurance Company Insurance Coverage Options
Old Guard Insurance Company provides a wide range of coverage options to meet the diverse needs of its policyholders. Whether you’re looking to protect your vehicle, home, health, or loved ones, Old Guard has you covered. Here are the coverage options offered by the company:
Auto Insurance:
- Liability Insurance
- Collision Coverage
- Comprehensive Coverage
- Uninsured/Underinsured Motorist Protection
- Personal Injury Protection (PIP)
- Medical Payments Coverage
- Rental Reimbursement Coverage
- Roadside Assistance
Home Insurance:
- Dwelling Coverage
- Personal Property Coverage
- Liability Protection
- Additional Living Expenses Coverage
- Other Structures Coverage
- Personal Liability Umbrella
- Scheduled Personal Property Coverage
Life Insurance:
- Term Life Insurance
- Whole Life Insurance
- Universal Life Insurance
- Final Expense Insurance
- Accidental Death and Dismemberment (AD&D) Insurance
- Mortgage Protection Insurance
- Long-Term Care Insurance (Rider or Standalone)
Health Insurance:
- Health Maintenance Organization (HMO) Plans
- Preferred Provider Organization (PPO) Plans
- High Deductible Health Plans (HDHP)
- Medicare Supplements
- Dental Insurance
- Vision Insurance
- Prescription Drug Coverage
Old Guard’s comprehensive coverage options ensure that you can find the insurance solutions that best fit your unique requirements. Whether you’re looking for basic coverage or more specialized protection, Old Guard Insurance Company offers a variety of options to meet your needs and provide peace of mind for you and your family.
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Old Guard Insurance Company Insurance Rates Breakdown
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Driver Profile | Old Guard Insurance Company | National Average |
---|---|---|
Clean Record | $124 | $119 |
1+ Ticket | $149 | $147 |
1+ Accident | $171 | $173 |
DUI | $219 | $209 |
Poor Credit | $213 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
Old Guard Insurance Company Discounts Available
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Discount | Old Guard Insurance Company |
---|---|
Anti Theft | 8% |
Good Student | 8% |
Low Mileage | 9% |
Paperless | 5% |
Safe Driver | 9% |
Senior Driver | 5% |
Old Guard Insurance Company understands the importance of affordability and offers a range of discounts to help policyholders save on their insurance premiums. Here are the discounts offered by the company:
- Safe Driver Discount: This discount rewards policyholders with a clean driving record. If you have a history of safe driving, you can enjoy reduced premiums.
- Multi-Policy Discount: When you bundle multiple insurance policies with Old Guard, such as auto and home insurance, you can qualify for a multi-policy discount, resulting in cost savings.
- Good Student Discount: Students who maintain good grades may be eligible for a good student discount, encouraging academic excellence while reducing insurance costs.
- Defensive Driving Course Discount: Completing an approved defensive driving course can make you eligible for a discount, as it demonstrates your commitment to safe driving practices.
- Anti-Theft Device Discount: If your vehicle is equipped with anti-theft devices or systems, you may receive a discount for the added security they provide.
- Safety Features Discount: Vehicles equipped with safety features like airbags, anti-lock brakes, and electronic stability control may qualify for a discount, as these features reduce the risk of accidents.
- Low Mileage Discount: If you don’t drive your vehicle frequently, you may be eligible for a low mileage discount, as lower mileage often correlates with reduced accident risk.
- Good Credit Discount: Maintaining a strong credit history can result in a good credit discount, reflecting responsible financial behavior.
- Renewal Discount: Loyal customers who renew their policies with Old Guard may be rewarded with a renewal discount, showing appreciation for their continued trust.
- Paid-in-Full Discount: Policyholders who pay their premiums in full, rather than in installments, may enjoy a paid-in-full discount, simplifying billing and potentially reducing costs.
These discounts not only make insurance more affordable for policyholders but also incentivize safe driving, responsible financial behavior, and customer loyalty. Old Guard Insurance Company is committed to helping its customers find the best coverage at competitive rates.
How Old Guard Insurance Company Ranks Among Providers
Old Guard Insurance Company operates in a highly competitive insurance industry where several prominent competitors vie for market share. Here are some of the company’s main competitors:
- State Farm Insurance: State Farm is one of the largest insurance providers in the United States and offers a wide range of insurance products, including auto, home, life, and health insurance. They are known for their extensive network of agents and strong customer service.
- Allstate Corporation: Allstate is another major player in the insurance industry, offering various insurance options, including auto, home, life, and more. They are recognized for their innovative insurance features and comprehensive coverage.
- Geico (Government Employees Insurance Company): Geico is renowned for its competitive pricing and large customer base. They focus heavily on auto insurance but also offer other types of coverage, making them a formidable competitor in the market.
- Progressive Corporation: Progressive is known for its cutting-edge technology and usage-based insurance programs. They have a significant presence in the auto insurance sector and are recognized for their unique advertising campaigns.
- Nationwide Mutual Insurance Company: Nationwide offers a diverse range of insurance products, including auto, home, and pet insurance. They emphasize their commitment to policyholders and their strong financial stability.
- Farmers Insurance Group: Farmers is a well-established insurance provider with a broad range of coverage options. They are known for their agent-based approach, providing personalized service to policyholders.
- Liberty Mutual Insurance: Liberty Mutual offers a wide array of insurance products, including home, auto, and commercial insurance. They are recognized for their global presence and commitment to customer satisfaction.
- USAA (United Services Automobile Association): USAA primarily serves military members and their families. They have a strong reputation for exceptional customer service and specialized insurance products tailored to military needs.
- AIG (American International Group): AIG is a global insurance giant offering a broad spectrum of insurance products, including property, casualty, life, and retirement solutions. They are known for their international presence and extensive coverage options.
- Travelers Companies, Inc.: Travelers is a major player in the commercial insurance sector, offering a range of coverage for businesses. They are recognized for their risk management services and tailored solutions for various industries.
These competitors, along with Old Guard Insurance Company, make up the competitive landscape in the insurance industry. Each company has its own unique strengths and strategies, catering to different customer needs and preferences.
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Old Guard Insurance Company Claims Process
Ease of Filing a Claim
Old Guard Insurance Company offers multiple convenient options for filing insurance claims. Policyholders can submit claims through their user-friendly online portal, over the phone with the assistance of their customer service team, or through their dedicated mobile app.
This flexibility ensures that customers can choose the method that suits them best, making the claims process hassle-free.
Average Claim Processing Time
Old Guard Insurance Company takes pride in its efficient claim processing system. On average, they process claims in a timely manner, providing policyholders with quick access to the benefits they deserve. The specific processing time may vary depending on the type and complexity of the claim, but the company’s commitment to prompt service is evident in their track record.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback is a valuable indicator of an insurance company’s performance in handling claims. Old Guard Insurance Company has received positive reviews from policyholders regarding their claim resolutions and payouts. Their dedication to customer satisfaction is reflected in their fair and timely settlements, helping individuals and families navigate challenging situations with peace of mind.
Old Guard Insurance Company Digital and Technological Features
Mobile App Features and Functionality
Old Guard Insurance Company’s mobile app is a powerful tool for policyholders. It offers a range of features and functionalities, including the ability to manage policies, access digital ID cards, and file claims directly from the app. Users can also receive important notifications and updates, making it a convenient and informative resource for insurance-related tasks.
Online Account Management Capabilities
Policyholders can enjoy seamless online account management through Old Guard Insurance Company’s website. The online portal provides easy access to policy information, payment options, and document management. It empowers customers to make changes to their policies, view billing history, and update personal information with just a few clicks, enhancing overall convenience.
Digital Tools and Resources
Old Guard Insurance Company understands the importance of providing digital tools and resources to educate and assist their policyholders. They offer a wealth of information online, including articles, FAQs, and resources to help customers better understand their insurance coverage.
These digital resources enable informed decision-making and ensure that policyholders have the knowledge they need to protect their assets effectively.
Frequently Asked Questions
What types of insurance does Old Guard Insurance Company offer?
Old Guard Insurance Company provides a diverse range of insurance solutions, including Auto Insurance, Home Insurance, Life Insurance, and Health Insurance.
Are there discounts available with Old Guard Insurance Company?
Yes, Old Guard offers various discounts to help policyholders save on their insurance premiums. Discounts are available for safe driving, responsible financial behavior, and customer loyalty.
How does Old Guard Insurance Company handle insurance claims?
The company offers multiple convenient options for filing insurance claims, including an online portal, phone assistance, and a dedicated mobile app. They take pride in efficient claim processing and aim for timely settlements.
What digital features does Old Guard Insurance Company provide to policyholders?
Old Guard Insurance Company offers a robust mobile app allowing policy management, access to digital ID cards, and claim filing. Additionally, their website provides online account management, resources, and information to aid informed decision-making.
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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.