Verti Auto Insurance Review [2024]
Unlock the auto coverage in Pennsylvania, Verti Insurance, a MAPFRE Group company, delivers affordable solutions with digital convenience and bundled discounts.
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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Verti Insurance
Average Monthly Rate For Good Drivers
$107A.M. Best Rating:
AComplaint Level:
LowPros
- Verti Insurance offers typical auto insurance coverages, including liability, collision, and comprehensive insurance.
- The company offers discounts that customers can combine to lower their rates.
- The company focuses on mobile communication with customers, providing a mobile app with many of the same features offered by the website, including a panic button for customers that have an accident or are stuck on the side of the road.
- The Better Business Bureau (BBB) has rated Verti Insurance an A, indicating that the company is transparent and trusted by customers.
Cons
- Rates for Verti Insurance may be higher than some competitors.
- According to the National Association of Insurance Commissioners (NAIC), Verti Insurance has a complaint index ratio of 63.57, indicating that the company has significantly more complaints than companies of a similar size.
- None of the credit rating agencies have reviewed Verti Insurance specifically, only its parent company MAPFRE, so it’s unclear how strong the company’s financial position is.
- Verti Insurance provides various types of auto insurance coverage
- Verti Insurance has been rated an A by the Better Business Bureau
- Verti Insurance has more complaints than similarly-sized companies
Verti Insurance, a subsidiary of the MAPFRE Group, emerges as a competitive auto insurance option for residents in Pennsylvania. The company distinguishes itself through digital accessibility, offering a user-friendly online portal and a mobile app for convenient policy management.
While its average monthly rates are slightly higher than some competitors, Verti Insurance compensates with unique features like complimentary roadside assistance and a panic button on the mobile app for immediate support. The parent company’s strong financial standing, reflected in an A rating from A.M. Best, ensures the reliability of insurance payouts.
Verti Insurance’s commitment to transparency and customer satisfaction is evident in its A rating from the Better Business Bureau, despite a limited number of registered complaints. Overall, Verti Insurance presents a comprehensive auto insurance solution with a focus on digital convenience, customer safety, and competitive offerings in the Pennsylvania insurance market.
What You Should Know About Verti Insurance
Credit rating agencies review and rate insurance companies based on financial strength. These ratings determine the company’s ability to provide a payout. None of these agencies have reviewed Verti, but they have reviewed its parent company.
The MAPFRE Insurance Group has been rated an A by A.M. Best and an A- by S&P and Fitch. The A.M. Best rating is at the top of the agency’s scale, but the S&P and Fitch ratings are lower. All ratings determine the company will provide a payout in most situations.
The Better Business Bureau (BBB) also rates companies based on their business practices. Verti Insurance has been rated an A by the BBB, indicating that the company is transparent and trusted by customers.
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Does Verti Insurance have any complaints?
The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) allow insurance customers to list complaints on their websites. Both organizations have reviewed Verti Insurance.
At the time of this review, the BBB has received four complaints about Verti Insurance during the past three years. Two of these complaints regard billing, and the other two regard products or services.
According to the NAIC, Verti Insurance has a complaint index ratio of 63.57. This number indicates that the company has significantly more complaints than companies of a similar size.
Does Verti Insurance have a website and mobile app?
Verti Insurance focuses on providing customers with the ability to manage their policies digitally. The company’s website doesn’t give very much information, but the Verti login portal gives customers access to their policy information.
Accessing the portal allows customers to make payments, file claims, make changes, and view policy documents online. Customers can also email or chat online with a representative about any needs regarding their policy.
The company also provides a mobile app available on any mobile device. The Verti app has many of the same features offered by the website, including the chat feature, something unique among auto insurance companies.
Additionally, the mobile app has a panic button for customers that have an accident or are stuck on the side of the road. This button allows the customer to quickly reach a representative to get support, ensuring they’re not stranded alone for long.
How can you make Verti Insurance payments?
Verti Insurance allows customers to make payments online and on the mobile app. Customers that prefer to speak with a representative can call the company at 1-267-930-2140. Representatives are available during business hours from 8:00 am to 4:30 pm (EST).
The company allows customers to make payments in several ways. The payment options for Verti Insurance customers include:
- Automatic online payment
- Credit card
- Debit card
- Direct deposit
Customers can save their information online and allow the company to withdraw payments, ensuring that each one is on time. In addition to benefits like improving your credit rating, on-time payments can result in a discount on rates.
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What is Verti Insurance?
MAPFRE USA created Verti Insurance as a subsidiary in 2017 to provide digital coverage to customers in Pennsylvania. The company’s headquarters are located in Webster, Massachusetts, the home of it’s parent company.
Verti Insurance Coverage Options
Verti Insurance provides the common coverages that you’ll find from most car insurance companies. However, the company also offers additional options and even some complimentary products when you buy Verti auto insurance.
Auto insurance companies sell coverages independently, so you can choose which coverages you prefer. There isn’t a specific policy called full coverage, but buying each of the primary types of coverage is known as full coverage.
The following table shows the primary types of auto insurance coverages offered by Verti Insurance.
Verti Auto Insurance Coverages
| Auto Insurance Types | Purpose of Coverage |
|---|---|
| Bodily injury liability | Pays for medical bills if someone else suffers an injury in an accident caused by you. |
| Property damage liability | Liability coverage that covers the cost of any property damage you’ve caused in an accident. |
| Collision | Covers damage to your car after an accident. |
| Comprehensive | Covers damage to your car when you’re not driving. |
| Uninsured/underinsured motorist | Covers the costs if you’re in an accident caused by a driver with little or no car insurance. |
| Rental reimbursement | Will reimburse you for the cost of a rental car when your vehicle is unavailable. |
In addition to these common coverages, Verti Insurance offers additional options. These coverages are cheaper than the typical types of car insurance but provide drivers with more protection. These options include:
- Accident forgiveness: Your monthly rates won’t increase after your first at-fault accident.
- GAP insurance: Covers the difference between the value of your vehicle and the amount you owe.
A unique aspect of Verti Insurance is that they provide complimentary products. While most companies charge for each type of coverage, Verti includes some for free, including:
- Repair assist: Connects you with a certified mechanic to diagnose a vehicle issue and give you a quote for repairs.
- New car replacement: Replaces your brand-new vehicle if it’s totaled.
The company also offers roadside assistance for an additional fee. This service assists if you get into an accident or break down on the side of the road. Verti Insurance customers that purchase roadside assistance can receive the following support.
- Gas delivery
- Flat tire repair
- Towing
- Locksmith service
The company’s roadside assistance is available 24/7, and customers can request support through the mobile app. The app also has a panic button so that customers can receive immediate assistance. In addition to car insurance, Verti also provides motorcycle insurance and home insurance.
Verti Insurance Rates Breakdown
| Clean Record | $70 | $119 |
|---|---|---|
| 1+ Ticket | $120 | $147 |
| 1+ Accident | $150 | $173 |
| DUI | $190 | $209 |
| Poor Credit | $120 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
For many auto insurance customers, the cost of coverage is a primary concern. Comparing affordable Verti auto insurance rates with other companies in your area will help you find a policy for the lowest price.
The following chart shows the average monthly full coverage rates for Verti Insurance and other companies providing coverage in Pennsylvania.
Verti Insurance Average Monthly Full Coverage Rates vs. Other Companies in Pennsylvania
| Company | Average Monthly Full Coverage Rates in Pennsylvania |
|---|---|
| Allstate | $185 |
| Geico | $192 |
| Nationwide | $151 |
| Progressive | $161 |
| State Farm | $115 |
| Verti | $203 |
As you can see, Verti Insurance’s full coverage policy rates are higher than many of the top companies in Pennsylvania. However, rates depend on several factors, and companies judge these factors differently. Some of the factors that might impact your rates include:
- Age
- Gender
- Driving record
- Credit score
When searching for Verti auto insurance quotes, the company will ask a series of questions about your history and lifestyle. These questions allow companies to provide an accurate quote.
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Verti Insurance Discounts Available
| Discount | Verti |
|---|---|
| Anti Theft | 5% |
| Good Student | 15% |
| Low Mileage | 7% |
| Paperless | 12% |
| Safe Driver | 20% |
| Senior Driver | 3% |
The amount of coverage you desire might cost more from Verti than you can afford. Fortunately, the company offers multiple saving opportunities. Combining multiple discounts will help you lower your rates to a more reasonable level.
Verti Insurance offers several discounts that depend on your driving record, the car you drive, your lifestyle, and coverage. The following table shows the various Verti auto insurance company discounts and the eligibility requirements.
Verti Auto Insurance Discounts
| Auto Discount | Discount Eligibility |
|---|---|
| Clean driver | Driver maintains a clean driving record for three years. |
| Go green | Insured drives an energy-efficient vehicle. |
| Good student | High school or college student that maintains a B average. |
| Homeowner | Insured own a single-family home. |
| Loyalty | Driver keeps Verti coverage for more than a year. |
| Multi-vehicle | Insure multiple vehicles with Verti. |
| On-time payment | Driver makes all payments on time. |
| Paid in full | Pay your entire bill upfront. |
When inquiring about quotes, asking the representative about all available discounts will ensure that you experience the most savings and the best rates.
How Verti Insurance Ranks Among Providers
When evaluating auto insurance options in Pennsylvania, understanding where Verti Insurance stands among providers is crucial. Here’s a comprehensive look at how Verti Insurance compares:
- Average Monthly Rates: Verti Insurance’s rates, while competitive, tend to be slightly higher than those of some competitors. It’s essential for potential customers to weigh these rates against the coverage and benefits offered.
- Financial Strength and Ratings: Verti Insurance operates under the MAPFRE Group, a financially robust entity with an A rating from A.M. Best. This rating reflects the parent company’s stability and its ability to fulfill financial obligations.
- Customer Complaints and BBB Rating: Transparency and customer trust are evident in Verti Insurance’s A rating from the Better Business Bureau (BBB). While a limited number of complaints have been registered, the company’s commitment to addressing customer concerns is reflected in its BBB standing.
- Digital Accessibility: Verti Insurance stands out for its emphasis on digital accessibility. The user-friendly online portal and mobile app empower policyholders to manage their policies conveniently, from making payments to accessing important documents.
- Unique Features: Verti Insurance offers unique features, such as complimentary products like roadside assistance, enhancing the overall value of its coverage. The inclusion of a panic button on the mobile app underscores its commitment to customer safety, providing immediate support in emergency situations.
Understanding these key aspects positions potential customers to make informed decisions, ensuring that Verti Insurance aligns with their specific insurance needs and preferences.
Frequently Asked Questions
What types of coverage does Verti Insurance offer for auto insurance in Pennsylvania?
Verti Insurance provides a range of standard auto insurance coverages, including liability, collision, and comprehensive options, allowing customers to tailor their policies to meet their specific needs.
How does Verti Insurance stand out in terms of digital accessibility for policy management?
Verti Insurance distinguishes itself by emphasizing digital convenience, offering customers a user-friendly online portal and a mobile app. These tools enable policyholders to make payments, file claims, and access policy documents with ease.
What are the financial strength and ratings of Verti Insurance’s parent company, the MAPFRE Group?
The MAPFRE Group, Verti Insurance’s parent company, holds a strong financial position with an A rating from A.M. Best. This rating reflects the company’s ability to fulfill financial obligations and underscores its reliability in providing insurance payouts.
How does Verti Insurance address customer complaints, and what is its standing with the Better Business Bureau (BBB)?
Verti Insurance maintains transparency and trustworthiness, as evidenced by its A rating from the BBB. While it has received a limited number of complaints, the company actively addresses customer concerns, demonstrating a commitment to customer satisfaction.
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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.
