Summitpoint Insurance Company Review (2024)

Summitpoint Insurance Company has solidified its standing as a top-tier insurer through a comprehensive review showcasing competitive rates, customizable coverage, and exceptional customer service—making it a trusted name in the industry.

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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Summitpoint Insurance Company

Average Monthly Rate For Good Drivers

$100

A.M. Best Rating:

A+

Complaint Level:

Low

Pros

  • Diverse range of insurance policies Competitive rates Excellent customer service Quick claims processing Flexible policy options

Cons

  • Limited availability in certain regions Some policies may have specific eligibility criteria Rates may vary depending on individual factors

Summitpoint Insurance Company, an established industry leader with an A+ A.M. Best rating, offers a diverse range of insurance policies, including home, auto, health, and life insurance. Boasting competitive rates and a low complaint level, Summitpoint distinguishes itself with efficient claims processing, customizable policies, and dedicated customer support.

Founded in 1985, this trusted company’s longevity speaks to its commitment to providing peace of mind for customers. With quick online quotes and rave customer reviews, Summitpoint ensures that its customers receive tailored insurance solutions, exemplifying a reputation for quality and reliability in the insurance industry.

Summitpoint Insurance Company Insurance Coverage Options

Summitpoint Insurance Company offers a wide range of coverage options to meet the diverse needs of its customers. These coverage options include:

  • Home Insurance: Protect your dwelling and personal belongings from a variety of risks, including natural disasters and theft.
  • Auto Insurance: Comprehensive coverage for your vehicles, including protection against accidents, collisions, and property damage.
  • Health Insurance: Coverage for medical expenses, doctor visits, hospital stays, and prescription drugs to ensure you and your family receive quality healthcare.
  • Life Insurance: Secure your family’s financial future with various life insurance policies, including term life, whole life, and universal life options.
  • Additional Riders: Summitpoint offers additional riders to enhance your coverage, such as roadside assistance for auto insurance and critical illness coverage for health insurance.
  • Customizable Policies: Tailor your insurance policies to your specific needs, ensuring you get the coverage you require without paying for extras you don’t.
  • Competitive Rates: Summitpoint provides competitive rates, making quality insurance accessible to a wide range of customers.
  • Quick Claims Processing: In the event of a claim, Summitpoint is known for its efficient and hassle-free claims processing, minimizing stress during challenging times.
  • Dedicated Customer Support: Count on Summitpoint’s customer support team to assist you with any questions or concerns you may have about your policies.

Summitpoint’s diverse coverage options ensure that you can find the right insurance plan to protect what matters most to you.

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Summitpoint Insurance Company Insurance Rates Breakdown

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Driver ProfileSummitpoint InsuranceNational Average
Clean Record$90$119
1+ Ticket$145$147
1+ Accident$193$173
DUI$228$209
Poor Credit$155$205

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

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Summitpoint Insurance Company Discounts Available

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DiscountsSummitpoint Insurance
Anti Theft14%
Good Student21%
Low Mileage17%
Paperless9%
Safe Driver27%
Senior Driver16%

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Summitpoint Insurance Company values its customers and offers a variety of discounts to help them save on their insurance premiums. These discounts include:

  • Multi-Policy Discount: Save by bundling multiple insurance policies with Summitpoint, such as home and auto insurance.
  • Safe Driver Discount: Enjoy reduced rates if you have a clean driving record and a history of safe driving.
  • Good Student Discount: Students with excellent academic records may qualify for lower rates on auto insurance.
  • Home Security Discount: Secure your home and save on your homeowners’ insurance with discounts for having security systems or smoke alarms.
  • Multi-Vehicle Discount: If you have more than one vehicle insured with Summitpoint, you can benefit from a multi-vehicle discount.
  • Claims-Free Discount: Maintain a claims-free history with Summitpoint, and you may be eligible for discounts on your premiums.
  • Loyalty Discount: Staying with Summitpoint for an extended period may lead to loyalty discounts, rewarding long-term customers.
  • Professional Affiliation Discount: Certain professional affiliations or memberships may make you eligible for additional savings on your insurance.
  • Payment Discounts: Paying your premium upfront in full or opting for automatic payments can lead to discounts.
  • Renewal Discount: Summitpoint appreciates your loyalty, and renewing your policies with them may qualify you for renewal discounts.

These discounts can add up to significant savings, making Summitpoint an attractive choice for individuals and families looking for affordable yet comprehensive insurance coverage. Be sure to discuss your eligibility for these discounts with Summitpoint’s representatives to maximize your savings.

How Summitpoint Insurance Company Ranks Among Providers

Summitpoint Insurance Company operates in a highly competitive insurance industry, where several major players vie for customers’ attention. Here are some of the company’s main competitors:

  • State Farm: State Farm is one of the largest and most recognizable insurance companies in the United States. They offer a wide range of insurance products, including auto, home, and life insurance. State Farm is known for its extensive network of agents and robust customer service.
  • Allstate: Allstate is another major player in the insurance industry, offering a variety of insurance options, including auto, home, and life insurance. They are known for their innovative features, such as the Drivewise program for auto insurance.
  • Geico: Geico, with its memorable advertising campaigns, is well-known for providing competitive rates on auto insurance. They are recognized for their user-friendly online platform and customer-focused approach.
  • Progressive: Progressive is renowned for its auto insurance offerings and its use of technology, like the Snapshot program, which tracks driving behavior to offer personalized rates. They also provide home and other insurance products.
  • Liberty Mutual: Liberty Mutual offers a broad spectrum of insurance products, including auto, home, and life insurance. They are known for their customizable policies and strong financial stability.
  • Farmers Insurance: Farmers Insurance provides a range of insurance options, including auto, home, and business insurance. They are recognized for their local agents and personalized service.
  • Nationwide: Nationwide offers various insurance products, with a focus on auto and home insurance. They are known for their Vanishing Deductible program and robust customer support.
  • USAA: While primarily serving military members and their families, USAA is a significant competitor in the insurance industry. They provide a wide range of financial services, including auto, home, and life insurance, and are well-regarded for their customer satisfaction.
  • Travelers: Travelers offers a diverse range of insurance products, including home, auto, and business insurance. They are known for their risk management solutions and commercial insurance expertise.
  • AIG: AIG is a global insurance giant that offers a wide array of insurance and financial services, including life insurance, property and casualty insurance, and more.

These competitors, along with others in the industry, continually vie for market share by offering a combination of competitive rates, innovative features, customer service, and financial stability.

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Streamlined Summitpoint Insurance Claims Process

Filing a Claim Made Easy

Summitpoint Insurance Company strives to simplify the claims process, offering policyholders a variety of convenient options. Whether you prefer using their user-friendly online portal, making a quick phone call to their responsive customer service team, or taking advantage of their intuitive mobile app, initiating a claim is a seamless experience. Summitpoint understands that during challenging times, ease of access to the claims process is crucial, and they have designed their system with this in mind.

Swift Claim Processing

One of the key factors that sets Summitpoint apart is its commitment to speedy claim processing. On average, they prioritize rapid resolution, ensuring that policyholders receive the financial support they need without unnecessary delays. This swift handling of claims helps alleviate the stress often associated with unexpected events covered by insurance policies.

Customer Satisfaction With Claim Resolutions

Customer feedback is a valuable indicator of the quality of an insurer’s claims service. Summitpoint has consistently earned praise from policyholders for its fair and timely claim resolutions. This positive feedback reflects Summitpoint’s dedication to putting its customers first and ensuring that claims are settled efficiently and fairly. Policyholders can trust that Summitpoint is committed to delivering on their promises.

Summitpoint Insurance: Leading the Way With Digital Advancements

Empowering Mobile App Features

Summitpoint’s mobile app is a testament to their commitment to enhancing the customer experience. This app provides policyholders with convenient access to their insurance information. Whether you need to submit a claim, check policy details, or receive real-time updates on your coverage, the mobile app has you covered. Its user-friendly interface and intuitive features make managing your insurance needs on the go a breeze.

Seamless Online Account Management

Managing your insurance policies online has never been easier, thanks to Summitpoint. Their website offers comprehensive account management capabilities. You can effortlessly view policy details, make payments, update personal information, and track the progress of your claims—all from the comfort of your home. Summitpoint’s commitment to digital accessibility ensures that you have the information you need at your fingertips.

Digital Tools for Informed Decisions

Summitpoint goes the extra mile to empower policyholders with a suite of digital tools and resources. These resources include handy calculators to estimate insurance needs, informative articles that demystify insurance concepts, and interactive guides to navigate the complexities of coverage. With these digital resources, Summitpoint ensures that customers are well-informed, enabling them to make confident decisions about their insurance needs.

Frequently Asked Questions

How long has Summitpoint Insurance Company been in business?

Summitpoint has been serving customers for over three decades since its founding in 1985.

Can I get a personalized insurance quote online?

Summitpoint offers a user-friendly website where you can easily get a personalized insurance quote in minutes.

What types of insurance does Summitpoint offer?

Summitpoint specializes in home, auto, health, and life insurance, offering a wide range of policies to suit your needs.

Are Summitpoint’s rates competitive?

Yes, Summitpoint is known for offering competitive rates along with comprehensive coverage.

How is Summitpoint’s customer service?

Summitpoint prides itself on excellent customer service, ensuring that clients receive the support they need throughout their insurance journey.

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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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