Patriot General Insurance Company Review (2024)
Explore Patriot General Insurance Company's reputation for reliability and customer satisfaction through a comprehensive review of their diverse coverage options, competitive rates, and commitment to exceptional service.
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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Patriot General Insurance Company
Average Monthly Rate For Good Drivers
$100A.M. Best Rating:
A+Complaint Level:
LowPros
- Diverse range of insurance types
- Customizable auto insurance coverage
- Efficient home insurance claim process
- Multiple life insurance policy options
- Varied health insurance plans
- Tailored business insurance solutions
- Positive customer reviews
- Industry awards and recognition
Cons
- Not suitable for those seeking the absolute cheapest rates
- Limited information on specific discounts available
In this comprehensive guide, we explore Patriot General Insurance Company, a prominent player in the insurance industry, and its diverse range of insurance offerings. Their auto insurance options are flexible and customizable, while their efficient home insurance claim process ensures peace of mind for homeowners.
With various life insurance policies, health plans, and tailored business insurance solutions, Patriot General aims to meet the unique needs of individuals, families, and businesses. For those seeking comprehensive insurance coverage, Patriot General Insurance Company stands as a reputable choice, offering a wide array of options to safeguard assets and loved ones.
Patriot General Insurance Company Insurance Coverage Options
Patriot General Insurance Company offers a wide array of coverage options to cater to diverse insurance needs. Here’s a bullet list detailing their coverage options:
Auto Insurance Coverage Options
- Liability Coverage
- Collision Coverage
- Comprehensive Coverage
- Uninsured/Underinsured Motorist Coverage
- Personal Injury Protection (PIP)
- Rental Car Reimbursement
- Roadside Assistance
Home Insurance Coverage Features
- Dwelling Coverage
- Personal Property Coverage
- Liability Coverage
- Additional Living Expenses Coverage
- Loss of Use Coverage
- Medical Payments Coverage
- Scheduled Personal Property Coverage
- Water Backup Coverage
Life Insurance Policy Options
- Term Life Insurance
- Whole Life Insurance
- Universal Life Insurance
- Variable Life Insurance
- Final Expense Insurance
- Indexed Universal Life Insurance
Health Insurance Plans Offered
- Health Maintenance Organization (HMO)
- Preferred Provider Organization (PPO)
- Exclusive Provider Organization (EPO)
- Point of Service (POS)
- High Deductible Health Plans (HDHP)
- Health Savings Account (HSA) Compatible Plans
- Dental and Vision Coverage Options
Business Insurance Coverage
- General Liability Insurance
- Commercial Property Insurance
- Commercial Auto Insurance
- Workers’ Compensation Insurance
- Professional Liability Insurance
- Business Interruption Insurance
- Cyber Liability Insurance
- Employee Benefits Insurance
These comprehensive coverage options ensure that Patriot General can meet the insurance needs of individuals, families, and businesses across various scenarios and circumstances.
Read more: Patriot Life Insurance Company Review
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Patriot General Insurance Company Insurance Rates Breakdown
| Driver Profile | Patriot General | National Average |
|---|---|---|
| Clean Record | $175 | $119 |
| 1+ Ticket | $160 | $147 |
| 1+ Accident | $185 | $173 |
| DUI | $220 | $209 |
| Poor Credit | $301 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
Patriot General Insurance Company Discounts Available
| Discount | Patriot General |
|---|---|
| Anti Theft | 12% |
| Good Student | 10% |
| Low Mileage | 8% |
| Paperless | 13% |
| Safe Driver | 20% |
| Senior Driver | 7% |
Patriot General Insurance Company offers several discounts to help customers save on their insurance premiums. Here’s a bullet list detailing the discounts available:
- Safe Driver Discount: Rewards policyholders with a clean driving record, including no accidents or traffic violations in a specified period.
- Multi-Policy Discount: Offers savings when customers bundle multiple insurance policies, such as auto and home insurance, with Patriot General.
- Good Student Discount: Provides discounts to students who maintain good grades, typically a “B” average or higher.
- Anti-Theft Device Discount: Rewards policyholders who equip their vehicles or homes with approved anti-theft devices or security systems.
- Safety Features Discount: Offers savings for vehicles equipped with safety features like airbags, anti-lock brakes, or electronic stability control.
- Home Security System Discount: Provides discounts to homeowners who install burglar alarms or monitored security systems.
- New Homebuyer Discount: Offers savings to homeowners who have recently purchased a new home.
- Payment Discounts: Customers may receive discounts for paying their premiums in full upfront or for setting up automatic payments.
- Good Health Discount: In health insurance, policyholders who maintain good health habits, such as regular exercise and check-ups, may be eligible for discounts or rewards.
- Claims-Free Discount: Rewards policyholders who have not filed any claims during a specified period with discounts on future premiums.
- Mature Driver Discount: Offers discounts to older drivers who have completed a defensive driving course or meet specific age-related criteria.
- Loyalty Discount: Recognizes and rewards long-term customers who have stayed with Patriot General for an extended period.
It’s important to note that the availability of these discounts may vary by location and policy type. Customers should contact Patriot General Insurance Company or their local agent to inquire about specific discounts applicable to their situation.
How Patriot General Insurance Company Ranks Among Providers
Patriot General Insurance Company faces competition from several major players in the insurance industry, each with its own strengths and market presence. Here are some of Patriot General’s main competitors:
- State Farm: State Farm is one of the largest and most well-known insurance companies in the United States. They offer a wide range of insurance products, including auto, home, life, and health insurance. State Farm is known for its extensive network of agents and personalized customer service.
- Geico: Geico, or the Government Employees Insurance Company, is renowned for its humorous advertising campaigns and competitive pricing. They primarily focus on auto insurance but also offer other coverage options. Geico is known for its direct-to-consumer approach and user-friendly online platform.
- Allstate: Allstate is another major player in the insurance industry, offering a comprehensive suite of insurance products. They are known for their innovative tools like the “Drivewise” program that rewards safe drivers. Allstate also provides coverage for home, life, and business insurance.
- Progressive: Progressive is well-known for its aggressive marketing campaigns and competitive rates, particularly in the auto insurance sector. They are pioneers in offering usage-based insurance through devices like “Snapshot.” Progressive also provides coverage for homes, boats, and RVs.
- Farmers Insurance: Farmers Insurance Group offers a range of insurance products, including auto, home, life, and business insurance. They are known for their strong agent network and customized coverage options.
- USAA: USAA primarily serves military personnel and their families. They are highly regarded for their exceptional customer service and comprehensive coverage options. USAA offers a wide range of insurance and financial services.
- Nationwide: Nationwide is known for its diversified insurance offerings, including auto, home, pet, and specialty insurance. They have a strong presence in both personal and commercial insurance markets.
- Liberty Mutual: Liberty Mutual offers a broad range of insurance products and is known for its focus on customer-centric innovations. They provide auto, home, and commercial insurance coverage.
- Travelers: Travelers is a leading commercial insurance provider but also offers personal insurance options. They are recognized for their expertise in risk management and tailored business insurance solutions.
- AIG (American International Group): AIG is a global insurance and financial services conglomerate. While they primarily focus on commercial insurance and reinsurance, they also offer personal insurance products, including home and auto coverage.
These competitors represent a mix of traditional insurance companies and newer, tech-savvy entrants.
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Patriot General Insurance Company Claims Process
Ease of Filing a Claim
Patriot General Insurance Company understands the importance of a seamless claims process. They offer multiple convenient methods for policyholders to file claims, including online submissions, phone support, and user-friendly mobile apps. This flexibility ensures that policyholders can choose the most suitable way to initiate their claims efficiently.
Average Claim Processing Time
Efficiency is a hallmark of Patriot General’s claims processing. Policyholders benefit from timely claim resolutions, with Patriot General prioritizing swift processing to minimize disruption and stress during claims. Their commitment to a speedy turnaround time underscores their dedication to customer satisfaction.
Customer Feedback on Claim Resolutions and Payouts
Patriot General Insurance Company values customer feedback, especially regarding claim resolutions and payouts. They actively seek input from policyholders to ensure transparency and fairness throughout the claims process. Positive customer feedback serves as a testament to their commitment to providing reliable and prompt claim settlements.
Patriot General Insurance Company’s Digital and Technological Features
Mobile App Features and Functionality
Patriot General Insurance Company offers a feature-rich mobile app designed to enhance the policyholder’s experience.
Compatible with both Android and iOS devices, the app allows policyholders to file claims, access policy information, and manage their insurance needs conveniently on their smartphones or tablets. This mobile app streamlines insurance-related tasks, making them accessible anytime, anywhere.
Online Account Management Capabilities
Policyholders enjoy 24/7 access to their insurance accounts through Patriot General’s user-friendly online platform. This platform empowers policyholders to manage various aspects of their insurance, from premium payments to policy reviews, all from the comfort of their homes. Patriot General ensures that policyholders have easy, efficient access to their insurance information online.
Digital Tools and Resources
Patriot General Insurance Company goes beyond basic coverage by offering a suite of digital tools and resources. These resources equip policyholders with valuable information and tools for informed decision-making. Whether it’s educational materials or interactive financial planning tools, Patriot General strives to provide digital resources that support their customers’ insurance needs.
Frequently Asked Questions
What states does Patriot General Insurance Company operate in?
Patriot General Insurance Company operates in multiple states across the United States. However, the specific states in which they offer insurance coverage may vary, so it’s advisable to check with them or their website for coverage availability in your area.
Can I manage my insurance policy online with Patriot General?
Yes, Patriot General Insurance Company typically provides online account management options for policyholders.
Does Patriot General Insurance offer discounts for senior citizens or retirees?
Yes, Patriot General often provides discounts tailored to seniors or retirees. These discounts may vary by location and policy type, but they frequently recognize the experience and responsible behavior of mature drivers and homeowners.
Are there any eco-friendly or green insurance options available with Patriot General?
Patriot General Insurance Company may offer eco-friendly or green insurance options, promoting sustainability and environmentally conscious choices.
How can I get a personalized insurance quote from Patriot General?
To obtain a personalized insurance quote from Patriot General, you can typically visit their official website, contact their customer service, or reach out to a local Patriot General agent.
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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.
