Is MAPFRE Good for Auto Insurance?
Last Updated on January 13, 2022
MAPFRE Insurance in the U.S. is a private insurance company that partners with local agents and brokers throughout the nation to provide an extensive line of private and commercial insurance products. They are not as well-known as other insurance companies, which is why if you stumble upon them you may wonder if they are worth using – especially for auto insurance.
One important thing to note is that MAPFRE is not a traditional insurance company. Instead, it is an independent agency, which then offers multiple insurance options to locals through their network of brokers and agents. If you look for quotes with MAPFRE, the agent will use multiple insurers to pull quotes and find the best service, coverage, and price that suits your needs.
As of 2019, MAPFRE had more than 4,200 agents and they serve drivers in CA, AZ, OR, ID, WA, IN, OH, KY, TN, NY, MA, RI, CT, NJ, and FL.
How to Get a Quote from MAPFRE
As stated before, MAPFRE checks quotes from multiple insurance companies in their network, so you will need to find a local agent to get a quote. You can enter your zip code on their website to find a broker near you, but you cannot buy or even quote an insurance company from their website – instead, it must be over the phone or in-person with an approved agent.
When you call in for a quote, the agent assigned will then get information about your vehicle, driving record, credit history, and the coverage you’re looking for. From there, they create a list of options with multiple companies so that you can pick which one works best for you. The company says that they plan to release an online option soon, but they do not have an anticipated release date as of yet.
The company offers four primary types of coverages and packages, which are:
MIC Preferred Auto Program
If you are a good driver with no infractions on your record, and you have great credit, you may qualify for this rewarding program. You not only have multiple coverage options, but you also get add-ons like vacation liability coverage, personal effects replacement coverage, and emergency expenses coverage.
Non-Standard Protection Auto Program
This is for those who do have infractions on their driving record, but they kept it under 10 points on their driver’s license. You can also add non-owner coverage to this plan, as long as you are not using the vehicle for business purposes.
Non-Standard Nation Safe Driver Auto Program
This program has similar rewards to the Protection Auto Program, but you also get an opportunity to sign up for their Safe Driver Travel Program without the added cost.
Road America Auto Assist Plus
All programs come with this layer of coverage, which is a 24/7 roadside assistance program from the company. You also receive death and disability coverage as part of your policy, no matter which one you pick.
What is it Like to File a Claim with MAPFRE?
Filing claims with MAPFRE is different than if you have insurance through a normal company. If you are in an accident or you need to use your comprehensive coverage, you must use their online claims service. There, you will click the file claim link, pick which carrier you have through MAPFRE, and start the process.
You can complete the form online and also send it to your local agent if you prefer not to file online.
Once you file the claim, you receive a submission number. A MAPFRE claim’s adjuster will contact you in under a day. Usually, the process is easier if you have all the information when you file your claim. Most customers who have filed claims with MAPFRE in the past cite no issues, and they say that their agents are receptive and very easy to work with throughout the process.
What about MAPFRE Discount Opportunities?
You do not want to pay more than necessary for insurance coverage.
MAPFRE does have discounts for policy members, including multiple vehicle discounts and multiple policy discounts. You can also unlock other savings programs like the distant student discount, good student discount, mature driver discount, and taking alcohol awareness programs.
If you have safety features in your vehicle, like anti-lock brakes or airbags, you could get even more discounts from MAPFRE. Teenage drivers that participate in the teenSMART program can receive a significant discount on their premiums as well.
You can also enroll in MAPFRE’s DriveAdvisor, which is a telematics program that monitors your driving habits through a mobile phone app. If you are a safe driver and don’t mind sacrificing a bit of privacy, join DriveAdvisor to unlock additional savings on your premiums.
Here is a list of the current MAPFRE car insurance discounts:
|AAA Membership Discount
|Anti-Theft Device Discount
|Bundling Discount (Auto and Home Insurance)
|Good Driver Discount
|Good Student Discount
|Low Mileage Discount
|Customer Loyalty Discount
|Pay In-Full Discount
|Distant Student Discount
|Switch to MAPFRE Discount
|Green Vehicle Discount
|Senior Citizen Discount
|Home Owner Discount
What are the Overall Customer Reviews Saying?
Most third-party websites reviewing MAPFRE have negative customer reviews, but any time you read these you must take them with a grain of salt. Often the only people that complain are those who have something negative, and you rarely see positive comments. That said, the company carries good ratings – comparable with other insurance companies – through more authoritative publications like J.D. Power and A.M. Best.
So, is MAPFRE Good for Auto Insurance?
Only you can decide if MAPFRE is right for you. There is no harm in contacting a local MAPFRE agent and asking for a quote on your auto insurance. If the price is affordable, the coverage works, and you feel confident they are a good fit, go ahead and purchase an insurance policy from them.
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