Southern Guaranty Insurance Company Review (2024)
Discover the comprehensive insurance solutions provided by Southern Guaranty Insurance Company, an industry leader with an A+ A.M. Best rating and a commitment to customer satisfaction across various coverage options.
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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Southern Guaranty Insurance Company
Average Monthly Rate For Good Drivers
$100A.M. Best Rating:
A+Complaint Level:
LowPros
- Extensive range of insurance options
- Strong financial stability and A.M. Best rating
- Excellent customer service and satisfaction
- Bundle discounts available
- User-friendly mobile app for policy management
Cons
- Limited availability in some states
- Rates may vary based on location and coverage options
Discover the comprehensive insurance solutions offered by Southern Guaranty Insurance Company, a trusted industry leader. With an A+ A.M. Best rating and competitive rates, Southern Guaranty provides coverage across a spectrum of areas, including auto, home, life, health, business, and more.
Their commitment to customer satisfaction and financial stability sets them apart, offering benefits such as multi-policy discounts and safe driver rewards.
Furthermore, the company’s user-friendly mobile app enhances policy management, ensuring hassle-free customer experiences.
Southern Guaranty’s extensive coverage options cater to individuals, families, and businesses, allowing you to tailor policies to your unique needs, making them a reliable partner in safeguarding your future.
Southern Guaranty Insurance Company Insurance Coverage Options
Southern Guaranty Insurance Company offers a diverse range of coverage options to meet the unique needs of their policyholders. Here is a bullet list outlining the coverage options provided by the company:
- Auto Insurance: Comprehensive coverage for your vehicles, including liability, collision, and comprehensive coverage.
- Home Insurance: Protection for your home and belongings, covering perils like fire, theft, and natural disasters.
- Life Insurance: Policies that provide financial security for your loved ones in the event of your passing, including term life and whole life options.
- Health Insurance: Coverage for medical expenses, ensuring you have access to quality healthcare when you need it most.
- Business Insurance: Tailored insurance solutions to safeguard your business against unforeseen events, including liability and property coverage.
- Umbrella Insurance: Additional liability protection that extends beyond the limits of your primary insurance policies.
- Renters Insurance: Coverage for renters to protect their personal belongings and provide liability protection.
- Motorcycle Insurance: Specialized coverage for motorcycle enthusiasts, including liability and comprehensive coverage.
- Boat Insurance: Protection for your watercraft, including liability coverage and coverage for physical damage.
- RV Insurance: Comprehensive coverage for recreational vehicles, ensuring peace of mind during your travels.
- Pet Insurance: Coverage for your furry family members, including medical expenses and wellness care.
- Flood Insurance: Protection against the financial devastation caused by flooding, which is typically not covered by standard home insurance policies.
Southern Guaranty’s extensive range of coverage options demonstrates their commitment to providing comprehensive insurance solutions for individuals, families, and businesses, allowing customers to tailor their policies to their specific needs.
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Southern Guaranty Insurance Company Insurance Rates Breakdown
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| Driver Profile | Southern Guaranty | National Average |
|---|---|---|
| Clean Record | $83 | $119 |
| 1+ Ticket | $125 | $147 |
| 1+ Accident | $154 | $173 |
| DUI | $250 | $209 |
| Poor Credit | $143 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
Southern Guaranty Insurance Company Discounts Available
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| Discounts | Southern Guaranty |
|---|---|
| Anti Theft | 8% |
| Good Student | 13% |
| Low Mileage | 10% |
| Paperless | 7% |
| Safe Driver | 15% |
| Senior Driver | 12% |
Southern Guaranty Insurance Company values its customers and offers various discounts to help them save on their insurance premiums. Here are some of the discounts provided by the company, presented in a bullet list:
- Multi-Policy Discount: Save when you bundle multiple insurance policies with Southern Guaranty, such as auto and home insurance.
- Safe Driver Discount: Enjoy reduced premiums if you have a clean driving record and a history of safe driving.
- Good Student Discount: Students with good grades may qualify for a discount on their auto insurance premiums.
- Safe Home Discount: If your home is equipped with safety features such as security systems and smoke detectors, you can receive a discount on your home insurance.
- Multi-Vehicle Discount: Insure multiple vehicles under the same policy and receive a discount on each vehicle’s premium.
- Long-Term Policyholder Discount: Loyalty pays off – customers who have been with Southern Guaranty for an extended period may qualify for discounts.
- Pay-in-Full Discount: Save by paying your annual premium in one lump sum instead of monthly installments.
- Paperless Billing Discount: Opt for paperless billing and receive a discount on your premiums.
- Good Health Discount: Maintain good health, and you may be eligible for discounts on health and life insurance policies.
- Military or Service Personnel Discount: Active-duty military personnel and veterans may be eligible for special discounts.
- Senior Citizen Discount: Seniors can enjoy reduced rates on certain insurance policies.
- New Customer Discount: New customers may be eligible for introductory discounts when they switch to Southern Guaranty.
- Affinity Group Discounts: Membership in certain organizations or affiliations can unlock additional savings.
Please note that the availability and eligibility criteria for these discounts may vary based on your location and the specific policy you choose. It’s advisable to consult with a Southern Guaranty representative to determine which discounts you qualify for and how they can help you save on your insurance premiums.
How Southern Guaranty Insurance Company Ranks Among Providers
Southern Guaranty Insurance Company operates in a highly competitive insurance industry. Its main competitors are other insurance companies that offer similar lines of coverage and services. Here are some of the company’s main competitors:
- State Farm: 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 competitive rates.
- Allstate: Allstate is another major player in the insurance industry, providing various types of insurance coverage and often recognized for its marketing campaigns. They offer auto, home, life, and business insurance, among others.
- Geico: Geico is renowned for its humorous advertising and is a significant competitor in the auto insurance market. They focus on providing affordable auto insurance coverage and have a strong online presence.
- Progressive: Progressive is known for its innovative approaches, including the use of technology to offer competitive auto insurance rates. They provide auto, home, and various specialty insurance products.
- Nationwide: Nationwide is a well-established insurer offering a wide range of insurance products, including auto, home, and life insurance. They are known for their strong financial stability and commitment to customer service.
- Farmers Insurance: Farmers Insurance offers auto, home, life, and business insurance and is known for its localized approach, with agents often deeply embedded in their communities.
- Liberty Mutual: Liberty Mutual provides various insurance products, with a focus on personal and commercial lines. They have a strong presence in the auto and home insurance sectors.
- Usaa: While primarily serving military members and their families, Usaa is a significant competitor in the insurance industry, offering a range of insurance products with a reputation for exceptional customer service.
- Travelers: Travelers is a well-established insurer with a strong presence in the commercial insurance sector. They offer a variety of coverage options for businesses and individuals.
- Aig (American International Group): AIG is a global insurance and financial services company that competes in various insurance segments, including property and casualty, life insurance, and retirement solutions.
These competitors, along with many others, create a highly competitive landscape in the insurance industry. To stay competitive, Southern Guaranty Insurance Company needs to continuously innovate, offer attractive coverage options, maintain competitive pricing, and provide excellent customer service to retain and attract policyholders.
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Southern Guaranty Insurance Company Claims Process
Ease of Filing a Claim
Southern Guaranty Insurance Company offers a user-friendly approach to filing claims, ensuring convenience for policyholders. Claimants have multiple options for initiating their claims, including online submissions, over-the-phone assistance, and the use of their mobile app.
Average Claim Processing Time
The efficiency of claim processing is a crucial aspect of any insurance company’s performance. Southern Guaranty Insurance Company strives to provide a timely claims experience. While specific processing times can vary depending on the nature and complexity of each claim, the company is committed to streamlining the process to minimize delays.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback is a valuable indicator of an insurance company’s claim handling. Southern Guaranty Insurance Company places a strong emphasis on customer satisfaction, aiming to resolve claims fairly and promptly.
Policyholders’ experiences with claim resolutions and payouts are generally positive, with many customers expressing satisfaction with the company’s responsiveness and willingness to assist during the claims process.
Southern Guaranty Insurance Company Digital and Technological Features
Mobile App Features and Functionality
Southern Guaranty Insurance Company offers a feature-rich mobile app designed to enhance policy management and customer convenience. The app provides a range of functionalities, including the ability to view policy details, make payments, report claims, and access digital insurance ID cards.
Online Account Management Capabilities
In addition to the mobile app, Southern Guaranty Insurance Company offers robust online account management capabilities through their website. Policyholders can log in to their accounts to review policy information, make changes, request quotes, and access important documents.
Digital Tools and Resources
To assist policyholders in making informed decisions and staying updated on insurance matters, Southern Guaranty Insurance Company provides various digital tools and resources. These resources include educational articles, FAQs, and interactive tools to help customers better understand their insurance needs.
Frequently Asked Questions
What makes Southern Guaranty Insurance unique?
Southern Guaranty’s commitment to customer satisfaction and financial stability sets them apart in the industry.
Are there discounts available for multiple policies?
Yes, Southern Guaranty offers discounts when you bundle multiple insurance policies.
How can I get a quote for their insurance policies?
You can easily request a quote on their website or by contacting their customer service.
Do they have a mobile app for policy management?
Yes, Southern Guaranty offers a user-friendly mobile app for policy management and claims.
Is Southern Guaranty Insurance available nationwide?
Yes, their coverage extends across the United States, providing peace of mind to customers 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.
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