Is Freedom National Good for Auto Insurance?
Last Updated on May 4, 2023
When selecting a car insurance company, you have so many different options to choose from. With so many different choices, it can be challenging to determine which insurance company will be the best fit for you. Freedom National is a car insurance company that specializes in low-cost insurance. In this article, we’ll dive into the services that Freedom National offers and the pros and cons of using them as your car insurance company, so you can decide if they are the right provider for you.
- Freedom National is a small car insurance company specializing in low-cost insurance for high-risk drivers in Arizona, Utah, and Georgia.
- They offer a range of coverage options, including liability, collision, comprehensive coverage, and discounts for good driving and insuring multiple vehicles.
- Freedom National allows customers to handle their insurance policy online, but customer service is unreliable, and claims and policy cancellations must be made over the phone.
- While Freedom National can be a good option for those who have trouble getting insurance elsewhere, it’s important to remember that they only operate in three states.
- Insurance Panda rates Freedom National 3.2/5
- About Freedom National
- Freedom National Coverage Options
- Freedom National Customer Service
- Freedom National Discounts
- Freedom National Financial Stability
- Pros of Using Freedom National
- Cons of Using Freedom National
- Frequently Asked Questions About Freedom National
- Our Rating of Freedom National
- Final Word on Freedom National Car Insurance
About Freedom National
Freedom National is a small car insurance company operating since 1999. They focus on providing affordable coverage for those who may otherwise struggle to get it, like drivers with SR-22s or young drivers. Freedom National has headquarters in Newport Beach, California, but only provides insurance in Utah, Arizona, and Georgia. They focus on providing localized insurance options at affordable prices.
|Freedom National Company Information|
|Address||PO Box 7820
Newport Beach CA 92658
Freedom National Coverage Options
Freedom National offers various coverage types to protect you in an accident. You can customize your policy with any combination of these coverage types.
- Liability coverage: Freedom National offers liability coverage plans that fit the state requirements for Arizona, Utah, and Georgia. Every state requires drivers to have specific liability coverage amounts for bodily injury and property damage. This covers the financial responsibilities you’ll incur if you are found at fault in an accident.
- Collision coverage: This pays for any expenses incurred due to a collision, regardless of who was at fault. It also covers expenses for single-car collisions.
- Comprehensive coverage: This is designed to pay for damages to your car that aren’t the result of a collision. For example, comprehensive coverage can pay for weather damage or damage from vandalism.
- Uninsured/underinsured motorist: If you’re hit by a driver who doesn’t have insurance to pay for your damages, this coverage type will pay for them, ensuring that you don’t have to pay out-of-pocket for a collision you weren’t at fault in. It’s also common for drivers to carry the bare minimum insurance coverage, which may not pay for the total damages. This type of coverage can also pay the difference in those instances.
- Medical payments/personal injury protection: Some states require their drivers to have personal injury protection coverage, which covers the medical payments of you and your passengers if you are seriously injured in a crash and require ongoing medical treatment.
- Towing coverage: If you need to get your car towed after an accident, Freedom National offers some reimbursement.
- Rental reimbursement: Freedom National covers these costs if you need to rent a car after an accident to get around.
Freedom National Customer Service
Freedom National makes it easy for customers to handle their insurance policies online. Not only do they offer online quotes for potential customers, but you can also purchase a policy directly from their website. They partner with independent auto insurance providers in some states to provide broader coverage options. Freedom National allows customers to pay their bills online and set up auto-pay services. They also have customer service representatives that can be reached over the phone. Claims and policy cancellations can only be made over the phone.
Despite the convenience Freedom National offers their customers, they also get complaints about poor customer service. Issues with billing and having trouble canceling policies are some of the most common problems customers have written about online.
Freedom National Discounts
Freedom National specializes in affordable policies for people who may have trouble getting them elsewhere, such as people who require SR-22s, people who have DUIs on their record, and new drivers with no experience. Additionally, they offer several discounts to help drivers save even more money. Drivers with a clean record can earn up to 20 percent off. If you keep your record clean and avoid filing claims, you can save 15 percent for renewing your policy. You can also earn a discount for insuring multiple cars with Freedom National or paying your policy in full instead of monthly installments. Older drivers or students who maintain a good GPA can also earn discounts.
Other discounts include:
- Multi-car policy discount
- EFT (electronic funds transfer) discount
- Good driver discount
- Loyalty discount
- Prior insurance discount
- Homeowner discount
Freedom National Financial Stability
Freedom National is a financially stable insurer with high J.D. Power and AM Best ratings. Customers are satisfied with Freedom National’s services, and the company can handle large claims without problems. The insurer also benefits from being part of the Connecticut Financial Group, which gives it more financial resources and competitive rates.
These factors make Freedom National a safe and reliable choice for insurance customers. Policyholders can trust that the company will honor its obligations and pay its claims. Freedom National has earned the industry’s and its customers’ respect and trust.
JD Power: 4/5
AM Best: A-
Pros of Using Freedom National
There are many advantages to using Freedom National as your car insurance provider. Here are some reasons to consider using them for your car insurance.
- If you have struggled to get insurance because of your driving record, Freedom National may be able to offer the coverage you need at an affordable price. They are a reliable option for anyone considered high-risk or just might be charged high premiums elsewhere.
- Freedom National offers several types of car insurance coverage and discounts to help customers save. Many other high-risk car insurers do not offer much flexibility for their customers regarding policies.
- Freedom National allows customers to get quotes, purchase policies, and pay their premiums online. This streamlines the process of getting car insurance and makes it much more convenient for those who lead a busy lifestyle.
Cons of Using Freedom National
There are also disadvantages to using Freedom National as your car insurance provider. It’s important to keep these things in mind before committing to a car insurance policy.
- Freedom National is only available in Utah, Arizona, and Georgia. This means you won’t be able to maintain coverage with them if you move outside these three states.
- Although you can buy coverage from Freedom National online, you’ll still need to call if you want to file a claim or cancel your coverage.
- Freedom National doesn’t have direct agents, which can disadvantage those who prefer to develop a relationship with an insurance agent.
- Freedom National gets complaints about consistent billing issues and other problems with their customer service.
Frequently Asked Questions About Freedom National
Final Word on Freedom National Car Insurance
Freedom National is a reputable car insurance provider, but it is unavailable in every state. If you want to use Freedom National for your car insurance and live in Utah, Arizona, or Georgia, get a quote online. You should always get quotes from multiple insurers to see who can provide you with the best car insurance policy.