Wilshire Insurance Company Review (2024)
Explore Wilshire Insurance Company, a trusted industry leader with an A+ rating from A.M. Best, offering diverse coverage options, competitive pricing, and 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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Wilshire Insurance Company
Average Monthly Rate For Good Drivers
N/AA.M. Best Rating:
A+Complaint Level:
LowPros
- Wide range of insurance types, including home, auto, life, health, and business.
- Competitive pricing and affordable premiums.
- Strong financial stability and A.M. Best rating of A+.
- Excellent customer service and quick claims processing.
- Tailored insurance solutions to meet individual and business needs.
Cons
- Limited availability in some regions.
- May not offer specialized coverage for unique or niche markets.
- Limited online educational resources for policyholders.
In this comprehensive article, we delve into the world of insurance with Wilshire Insurance Company, a trusted industry leader. Wilshire boasts a remarkable A+ rating from A.M. Best, signaling its financial stability and reliability.
As we explore the wide spectrum of insurance offerings, including home, auto, life, health, and business policies, it becomes evident why Wilshire stands out. Their competitive pricing, tailored coverage, and commitment to exceptional customer service set them apart. With a low complaint level, Wilshire ensures a hassle-free experience for policyholders.
Whether you seek security for your home, vehicle, loved ones, or business, Wilshire Insurance Company emerges as a dependable choice with a steadfast commitment to safeguarding what matters most.
Wilshire Insurance Company Insurance Coverage Options
Wilshire Insurance Company offers a diverse range of coverage options to meet the insurance needs of its policyholders. These coverage options provide protection for various aspects of life, property, and business. Here is a comprehensive list of coverage options offered by Wilshire Insurance Company:
Auto Insurance:
- Liability Coverage
- Collision Coverage
- Comprehensive Coverage
- Uninsured/Underinsured Motorist Coverage
- Personal Injury Protection (PIP)
- Roadside Assistance Coverage
Home Insurance:
- Dwelling Coverage
- Personal Property Coverage
- Liability Coverage
- Additional Living Expenses Coverage
- Guest Medical Payments Coverage
- Flood Insurance (if applicable)
- Earthquake Insurance (if applicable)
Life Insurance:
- Term Life Insurance
- Whole Life Insurance
- Universal Life Insurance
- Variable Life Insurance
- Final Expense Insurance
Health Insurance:
- Individual Health Insurance
- Family Health Insurance
- Group Health Insurance
- Medicare Supplement Plans
- Dental Insurance
- Vision Insurance
Business Insurance:
- Commercial Property Insurance
- General Liability Insurance
- Commercial Auto Insurance
- Workers’ Compensation Insurance
- Business Interruption Insurance
- Professional Liability Insurance (E&O)
- Cyber Liability Insurance
Specialty Insurance:
- Boat and Watercraft Insurance
- Motorcycle Insurance
- RV Insurance
- Collector Car Insurance
- Jewelry and Valuables Insurance
- Pet Insurance
- Event Insurance
Umbrella Insurance:
- Provides additional liability coverage that extends beyond the limits of other policies, offering increased protection.
Wilshire’s comprehensive coverage options ensure that policyholders can find insurance solutions tailored to their unique needs, whether they are looking to protect their vehicles, homes, health, businesses, or specialized assets.
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Wilshire Insurance Company Insurance Rates Breakdown
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| Driver Profile | Wilshire Insurance Company | National Average |
|---|---|---|
| Clean Record | $120 | $119 |
| 1+ Ticket | $145 | $147 |
| 1+ Accident | $175 | $173 |
| DUI | $206 | $209 |
| Poor Credit | $206 | $205 |
Wilshire Insurance Company Discounts Available
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| Discount | Wilshire Insurance Company |
|---|---|
| Anti Theft | 9% |
| Good Student | 12% |
| Low Mileage | 8% |
| Paperless | 11% |
| Safe Driver | 10% |
| Senior Driver | 7% |
Wilshire Insurance Company provides various discounts to help policyholders save on their insurance premiums. These discounts are designed to reward responsible behavior, enhance customer loyalty, and make insurance more affordable. Here are some of the discounts offered by the company:
- Multi-Policy Discount: Customers can save by bundling multiple insurance policies with Wilshire, such as combining home and auto insurance.
- Safe Driver Discount: Policyholders with a clean driving record and no recent accidents or violations are eligible for reduced auto insurance premiums.
- Good Student Discount: Students who maintain a high GPA or meet specific academic criteria can qualify for discounts on their auto insurance.
- Home Security Discount: Homeowners who have installed security systems or safety features in their homes can enjoy lower rates on home insurance.
- Claims-Free Discount: Customers who have not filed any recent insurance claims may be eligible for discounts, reflecting their responsible behavior.
- Multi-Car Discount: Families or households with multiple vehicles insured through Wilshire can benefit from reduced auto insurance rates.
- Long-Term Policyholder Discount: Loyalty is rewarded with discounts for policyholders who have been with Wilshire for an extended period.
- Pay-in-Full Discount: Policyholders who choose to pay their annual premium in one lump sum rather than in installments can receive a discount.
- Auto Safety Features Discount: Vehicles equipped with safety features such as anti-lock brakes, airbags, or anti-theft systems may qualify for lower auto insurance premiums.
- Defensive Driving Course Discount: Completing an approved defensive driving course can lead to discounts on auto insurance.
These discounts not only make insurance more affordable for Wilshire’s policyholders but also encourage safe and responsible behavior. Customers are encouraged to discuss these discount options with their Wilshire Insurance representative to determine which ones apply to their specific policies and circumstances, helping them maximize their savings.
How Wilshire Insurance Company Ranks Among Providers
Wilshire Insurance Company operates in a competitive landscape within the insurance industry, facing several notable competitors. Here are some of its main rivals:
- Geico: Geico is a well-known competitor in the auto insurance sector. Known for its catchy advertising and competitive rates, Geico often competes with Wilshire for customers seeking auto insurance coverage.
- State Farm: State Farm is a major player in various insurance segments, including auto, home, and life insurance. They have a vast network of agents and a long history in the industry, making them a formidable rival to Wilshire Insurance Company.
- Allstate: Allstate is another prominent insurance company offering a wide range of coverage options. They are known for their emphasis on customer service and comprehensive insurance solutions, putting them in direct competition with Wilshire.
- Progressive: Progressive is a leading auto insurance provider with a strong online presence and a reputation for innovation in the industry. Their competitive rates and user-friendly online tools make them a significant competitor for Wilshire, especially in the auto insurance market.
- Prudential: Prudential is a major player in the life insurance sector. With a focus on long-term financial planning and retirement solutions, Prudential competes with Wilshire for customers seeking life insurance coverage.
- Blue Cross Blue Shield: In the health insurance arena, Blue Cross Blue Shield (BCBS) is a dominant player. They offer a wide range of health insurance plans, and their extensive network of healthcare providers puts them in competition with Wilshire’s health insurance offerings.
- Chubb: Chubb is a global insurance company specializing in providing coverage for businesses and high-net-worth individuals. They compete with Wilshire in the business insurance segment, offering tailored solutions for commercial clients.
It’s important to note that the competitive landscape in the insurance industry can vary by region, and customer preferences can differ significantly. Each of these competitors has its own strengths, weaknesses, and unique selling points, making the insurance market highly competitive and dynamic.
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Wilshire Insurance Company Claims Process
Ease of Filing a Claim
Wilshire Insurance Company prioritizes a seamless claims process for its policyholders. They offer multiple channels for filing claims, including online, over the phone, and through mobile apps. This flexibility ensures that customers can choose the method most convenient for them.
Average Claim Processing Time
One of the crucial factors in assessing an insurance company’s efficiency is the speed at which claims are processed. Wilshire Insurance Company aims to expedite the claims process, and their average claim processing time is noteworthy. Policyholders can expect a prompt response when filing a claim.
Customer Feedback on Claim Resolutions and Payouts
Customer satisfaction with claim resolutions and payouts is a crucial aspect of any insurance provider. Wilshire Insurance Company has received positive feedback from its customers regarding the fairness and efficiency of their claim resolutions and payouts. This indicates a commitment to delivering on their promises and providing peace of mind to policyholders.
Wilshire Insurance Company Digital and Technological Features
Mobile App Features and Functionality
Wilshire Insurance Company offers a user-friendly mobile app that empowers policyholders with convenient access to their insurance information. The app provides features such as policy management, claims filing, and digital ID cards, making it easy for customers to stay connected with their coverage on the go.
Online Account Management Capabilities
Policyholders can enjoy robust online account management capabilities with Wilshire Insurance Company. These capabilities include the ability to review policy details, make payments, and update personal information through a secure online portal. This digital convenience enhances the overall customer experience.
Digital Tools and Resources
In addition to their mobile app and online account management, Wilshire Insurance Company provides a range of digital tools and resources to assist policyholders in understanding their coverage and making informed decisions. These resources include educational materials, FAQs, and online calculators to help customers navigate the complexities of insurance.
Frequently Asked Questions
Is Wilshire Insurance Company reputable in the insurance industry?
Yes, Wilshire is a trusted industry leader with an A+ rating from A.M. Best, indicating financial stability and reliability.
What makes Wilshire’s insurance coverage stand out?
Wilshire offers diverse coverage options, competitive pricing, and a commitment to exceptional customer service.
How does Wilshire handle the claims process for policyholders?
Wilshire prioritizes a seamless claims process with multiple filing channels, including online, phone, and mobile apps.
What digital features does Wilshire Insurance Company provide for policyholders?
Wilshire offers a user-friendly mobile app, robust online account management, and various digital tools to enhance the customer experience.
Are there discounts available for Wilshire Insurance Company policyholders?
Yes, Wilshire provides various discounts designed to reward responsible behavior and make insurance more affordable. Policyholders can discuss options with their representative.
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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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