Is Hallmark Good for Auto Insurance?
Last Updated on July 11, 2021
Hallmark Insurance Group is a Virginia-based insurer offering auto, home, business, life, and boat insurance.
The Woodbridge-headquartered company exclusively insures policyholders in Virginia, Maryland, and Washington, D.C. Hallmark partners with other insurance companies: if you buy auto insurance through Hallmark, then your policy may come from Erie, Travelers, Progressive, The Hartford, or other Hallmark partners.
Is Hallmark good for auto insurance? Should you buy car insurance through Hallmark Insurance Group? Keep reading to discover everything you need to know about Hallmark Insurance Group today in our review.
Table of Contents:
- About Hallmark Insurance Group
- Hallmark Insurance Products & Services
- How Does Hallmark Auto Insurance Work?
- What Makes Hallmark Insurance Group Unique?
- Hallmark Auto Insurance Discounts
- Hallmark Reviews & Ratings: What Do Customers Have to Say?
About Hallmark Insurance Group
Hallmark Insurance Group is a Woodbridge, Virginia-based insurance company offering a range of personal and commercial insurance products.
As an independent agency, Hallmark Insurance Group is not owned by any of the major insurers in the United States. However, the company has relationships with many insurance companies. When you buy insurance through Hallmark, you may get a policy through Erie, Travelers, Progressive, or other Hallmark partners.
Hallmark offers several core insurance products, including home insurance, auto insurance, business insurance, life insurance, health insurance, and group benefits. To provide these insurance products, Hallmark partners with a range of insurance companies.
Hallmark’s team consists of independent agents. These independent agents work with you to assess your needs. Then, they match you with an insurer that meets those needs. If you need cheap car insurance in Virginia, for example, then Hallmark may set you up with a Progressive insurance policy at a reduced rate. A driver with different needs, meanwhile, may be better off with Travelers. Hallmark shops around for you with the goal of finding the best coverage at the most competitive price.
Today, Hallmark partners with over a dozen insurance companies, including national brands and smaller, regional providers. You can view the full list of insurance company partners here. Current partners include ASI, Anthem, Assurant Health, CAN Surety, CareFirst, Erie Insurance, National General, Philadelphia Insurance Companies, Progressive, The Hartford, The Main Street America Group, Travelers, and Zurich.
|Hallmark Insurance Contact Info|
|Address||12751 Marblestone Drive Suite 220
Woodbridge, Virginia 22192
|Phone Number||(703) 491-8060|
Note: There’s an insurance company in Dallas, Texas named Hallmark Financial that offers business insurance, commercial auto insurance, and personal auto insurance products. However, for this review, we’re focusing on the Virginia-based Hallmark Insurance Group – not the Dallas-based Hallmark Financial.
Hallmark Insurance Products & Services
Hallmark is an independent agent working with over a dozen insurance companies. You contact Hallmark, describe your insurance needs, and Hallmark finds the best policy at the most competitive price.
Hallmark separates its insurance products into four main categories, including:
Auto, Home, and Personal Insurance: Hallmark sells personal insurance products to homeowners and drivers. You can buy car insurance, home insurance, liability insurance, umbrella insurance, and other insurance products through Hallmark. Hallmark analyzes your short-term and long-term objectives, then matches you with effective personal insurance protection. Personal insurance products available through Hallmark include ATV insurance, auto insurance, boat and marine insurance, collector car insurance, condominium insurance, earthquake insurance, flood insurance, high net worth coverage, homeowners insurance, mobile and manufactured home coverage, motor home and RV insurance, motorcycle insurance, personal umbrella insurance, personal watercraft insurance, pet insurance, rental property insurance, renters insurance, snowmobile insurance, travel insurance, and valuable items insurance.
Business Insurance: Hallmark protects business throughout Virginia, Maryland, and Washington, D.C. The company offers commercial policies that cover a range of items, including builders’ risk insurance, business interruption coverage, business owners package insurance, cargo insurance, contractor’s general liability coverage, cyber liability insurance, farm and agribusiness insurance, general liability insurance, workers’ compensation coverage, key person and employee insurance, vineyard and winery insurance, and product liability insurance, among many other types of commercial coverage.
Life & Health Insurance: Hallmark offers life and health insurance through its partners. You can buy a range of life and health insurance products through Hallmark, including Affordable Care Act coverage, final expense insurance, fixed annuities, individual and family health insurance, individual dental insurance, individual disability insurance, individual life insurance, individual long-term care (LTC) insurance, individual vision insurance, Medicare coverage, and mortgage protection insurance.
Group / Employee Benefits: Hallmark offers a complete line of insurance and group benefits for employers, including group health insurance, life insurance, FSAs, and more. Hallmark can build a customized employee or group benefits package based on your unique needs. Available benefits include 401(k) retirement plans, buy and sell protection, Flexible Spending Accounts (FSA), group dental insurance, group disability insurance, group health insurance, group life insurance, health reimbursement arrangement, and Health Savings Accounts (HSAs).
How Does Hallmark Auto Insurance Work?
Hallmark sells auto insurance to drivers throughout Maryland, Virginia, and Washington, D.C. Hallmark works like any other independent agent: you can buy insurance that meets or exceeds minimum requirements in your state or district. Some drivers buy minimum liability coverage. Others buy full coverage.
Unlike a normal car insurance company, however, Hallmark does not directly provide car insurance to drivers: the company partners with Erie, Travelers, Progressive, and other companies to provide car insurance. You buy car insurance through Hallmark, and Hallmark handles your insurance needs. However, your insurance policy comes from Erie, Travelers, Progressive, or other Hallmark partners.
Available coverage options include:
Liability Insurance: Maryland and Washington, D.C. require drivers to carry liability insurance. Although Virginia does not require liability insurance, most drivers buy it for peace of mind (and to avoid paying an annual uninsured motorist fee). Hallmark’s liability insurance covers your financial responsibility for injuring others or damaging others’ property.
Collision and Comprehensive Coverage: Optional in all states, collision and comprehensive coverage cover the cost of repairing damage to your own vehicle after an accident or other incident. Collision coverage covers accidents with other vehicles, while comprehensive coverage covers most other situations, including theft, fire damage, hail damage, and more. Although these coverages are optional at a state level, most lenders require you to carry collision and comprehensive coverage.
Car Rental Reimbursement Coverage: You can add car rental reimbursement coverage to your Hallmark car insurance policy. This coverage covers the cost of renting a car if your normal vehicle cannot be driven (due to repairs or an accident).
Umbrella Insurance: Umbrella insurance can provide extra personal liability coverage, protecting you in a lawsuit or other situations. If you want to exceed the maximum liability coverage available through your car insurance policy, then Umbrella coverage may be the best option.
What Makes Hallmark Insurance Group Unique?
Drivers in Virginia, Maryland, and Washington, D.C. have plenty of options for car insurance. Why pick Hallmark?
Here are some of the unique features the company emphasizes to attract policyholders:
Free Quotes from Multiple Insurers: You can easily get free quotes from multiple insurers just by contacting Hallmark Insurance Group. Instead of individually shopping around with different providers, you can get multiple quotes at once, then pick the best one.
Available in Maryland, Virginia, and Washington, D.C.: Hallmark Insurance Group exclusively sells insurance to drivers in Maryland, Virginia, and Washington, D.C. The company is based in Woodbridge, Virginia.
Independent Agents: Hallmark does not directly sell auto insurance. Instead, the company is an independent agent that partners with other insurers. You tell Hallmark your insurance needs, and the insurer builds a package from other insurance companies, often at a cheaper price than you would get by shopping on your own.
Well-Rated Car Insurance Partners: Hallmark partners with The Hartford, Progressive, Erie, and Travelers, four of the top-rated car insurance companies in the country. Whether looking for budget car insurance or a premium insurance plan, Hallmark may have the right insurance partner for your needs.
Hallmark Auto Insurance Discounts
Hallmark’s auto insurance discounts vary depending on your insurer. However, common insurance discounts received by Hallmark policyholders include:
Safe Driving Discount: Drivers with a 3 to 7 year history of safe driving may qualify for a safe driving discount with Hallmark.
Defensive Driving Course Discount: If you have recently completed a defensive driving course, then you may qualify for a defensive driving course discount. This discount is particularly common for younger drivers (under age 25) and older drivers (over age 65) who may otherwise face higher rates.
Multi-Policy Discount: Multi-policy discounts are available to drivers who have two or more policies with Hallmark. If you have home and auto insurance with Hallmark, for example, then you could qualify for a multi-policy discount or bundling discount, saving you anywhere from 2.5% to 15%.
Multi-Vehicle Discount: If you insure multiple vehicles with Hallmark, then you could qualify for a multi-vehicle discount.
Loyalty Discount: Drivers who stick with Hallmark for multiple years may qualify for a loyalty discount.
Driver Tracking Discount: Some of Hallmark’s partners offer driver tracking (telematics) discount programs. Progressive’s Snapshot program, for example, tracks your driving habits to help you save money.
Hallmark Reviews & Ratings: What Do Customers Have to Say?
Hallmark does not have financial strength ratings from A.M. Best, nor does the company have claims satisfaction ratings from J.D. Power. However, Hallmark partners with some of America’s largest and best-rated insurers, including Progressive, The Hartford, Erie, and Travelers.
As a smaller, regional company, there are few major reviews for Hallmark Insurance Group available online. However, the company has a small selection of reviews listed on its official website. Based on the 13 reviews listed online, Hallmark Insurance Group has an average rating of 4.9 stars out of 5.
Final Word on Hallmark Insurance
Hallmark Insurance Group is a Woodbridge, Virginia-based insurance company that offers well-rated car insurance to customers across Maryland, Virginia, and Washington, D.C.
To learn more about Hallmark Insurance Group or to request a quote today, visit HallmarkInsuranceGroup.com.