Is Pronto Good for Auto Insurance?

Last Updated on November 12, 2020

Pronto Insurance is a Brownsville, Texas-based insurance company founded in 1997. Today, the company continues to provide insurance products and financial services at a competitive price.

Pronto Insurance is only available in two states: Texas and California. The company’s insurance products are particularly popular with drivers who frequently make trips south of the border, as Pronto offers various extended coverage options for U.S. residents driving in Mexico.

Pronto aims to provide high-value insurance and financial service at a competitive price along with superior claims handling and excellent customer service.

Does Pronto live up to these claims? Find out everything you need to know about how Pronto works today in our review.

is pronto good for auto insurance

Pronto Car Insurance

One thing that differentiates Pronto Insurance from other providers is that the company provides insurance for drivers traveling to Mexico. Many people who live in southern Texas or southern California make frequent trips across the border, and Pronto Insurance has Basic, Full, and Full Elite car insurance packages to keep customers covered.

Pronto Insurance also offers phone-based customer service in both Spanish and English.

Pronto Insurance offers a range of discounts for policyholders looking to save money. Popular Pronto discounts include a multi-car discount, renewal discount, liability endorsement discount, and physical damage endorsement discount.

In addition to offering car insurance, Pronto also offers homeowners insurance and various financial products.

Pronto’s car insurance options are designed to be flexible and affordable. Unlike most car insurance companies, Pronto also emphasizes flexible term policies: Pronto is one of the few major car insurance companies willing to offer three and six-month policy terms. If you’re looking for flexible car insurance or short-term coverage, then Pronto may be the right option.

Pronto’s car insurance is available in three different packages:

Essential Package: Pronto’s basic package consists of basic liability coverage for your state of residence (or whichever state you are currently driving in).

Comprehensive Package: Pronto’s comprehensive package includes collision and comprehensive coverage, which covers damage to your own vehicle during an accident or non-accident-related event.

Alternative Package: Pronto has an alternative package for customers needing specialized coverage. There are two options within this package, including non-owners insurance and SR-22 insurance. Non-owners insurance is for drivers who want to be protected while operating a vehicle owned by someone else, while SR-22 insurance is for high-risk drivers – like someone with multiple DUIs or serious at-fault accidents in recent years.

Pronto Car Insurance Endorsements: Additional Coverage Options Available

Pronto Insurance offers a popular roadside assistance package that covers a maximum of $100 per incident. The package includes coverage for towing, jump starts, tire changes, vehicle fluid deliveries, lockout assistance, emergency phone call support and assistance, and discounts for hotels and car rentals.

As mentioned above, Pronto Insurance offers a set of car insurance packages specifically for drivers traveling south of the border. Pronto’s Mexico car insurance is flexible: you can buy it for terms as short as one day or as long as one year. Whether heading south of the border for a single trip, multiple trips, or for an extended length of time, Pronto Insurance can provide coverage where other car insurance companies do not.

In addition to providing auto insurance, Pronto sells motorcycle insurance, renters insurance, RV insurance, boat insurance, mobile home insurance (only in Texas), condo insurance, and watercraft insurance (only in California).

Pronto also offers multi-car discounts and renewal discounts.

Pronto Insurance’s J.D. Power Rankings

Pronto is not large enough to be rated by J.D. Power nationwide or in any specific region, so we can’t provide J.D. Power rankings for Pronto.

Pronto is also not ranked by any other major consumer rating agency – like Consumer Reports.

Pronto Insurance’s Financial Strength

Pronto Insurance is not rated by A.M. Best, Standard & Poor’s, Moody’s, or any other major financial strength rating agency.

Typically, A.M. Best reviews large car insurance companies and analyzes their financial strength, ability to cover outstanding claims, and other metrics.

Pronto Insurance Customer Reviews

Pronto Insurance has average ratings online from customer review aggregator websites. However, these websites tend to have low ratings: few people rate their car insurance company unless they’re unsatisfied with a claim, which is why even the nation’s top insurers have low ratings on these websites.

Customer reviews on one site, however, indicated that 69% of Pronto Insurance customers were likely to renew their policy and 64% would recommend Pronto Insurance to a friend. However, that same website only awarded the company an average score of 2.53 stars out of 5 based on around 50 customer reviews.

Pronto Insurance is more popular on other websites. Trustpilot, for example, shows Pronto Insurance has an average rating of 4/5 stars or “Great” with 800+ customer reviews. 61% of reviewers gave Pronto Insurance a perfect 5-star score, while only 17% awarded the company one-star.

One nice thing we like to see from Pronto Insurance is that the company takes the time to respond to customer complaints online. On Trustpilot, for example, customer service representatives have personally responded to certain negative reviews in an effort to improve the situation.

Pronto Insurance has poor ratings from the Better Business Bureau (BBB). The company is not officially rated by the BBB (it has an “NR” rating), although it does have 1/5 stars with 15 customer reviews.

Final Word – Is Pronto Insurance Good?

Pronto Insurance is a South Texas-based car insurance company serving clients in California and Texas. The insurance company seems particularly popular with drivers who prize flexibility or frequently travel south of the border.

For drivers wanting flexibility, Pronto offers 3-month and 6-month liability insurance plans – something you don’t see with many other insurance companies.

For drivers traveling to Mexico, meanwhile, Pronto offers car insurance of varying lengths to cover your trip. You can buy one-day, one-week, or one-year car insurance coverage for Mexico, for example, depending on how frequently you travel.

It’s important to note, however, that Pronto Insurance is not currently rated by A.M. Best, J.D. Power, or any other major rating organization we typically use to assess insurance companies.

Pronto Insurance Company Info
Address805 Media Luna Rd #400
Brownsville, TX 78520
Phone Number1-888-338-6523
James Shaffer
James Shaffer James Shaffer is a writer for and a well-seasoned auto insurance industry veteran. He has a deep knowledge of insurance rules and regulations and is passionate about helping drivers save money on auto insurance. He is responsible for researching and writing about anything auto insurance-related. He holds a bachelor's degree from Bentley University and his work has been quoted by NBC News, CNN, and The Washington Post.
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