Is Titan Auto Insurance Good?
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There are so many different options to choose from when purchasing car insurance, and it can be difficult to determine which company is the best fit for you. If you have DUIs or accidents on your record, it can be even harder to find a good auto insurance provider. Titan Insurance is a division of Nationwide that focuses on insurance for people who require SR-22s or are otherwise considered high risk. If you’re considering Titan for your car insurance, here’s what you need to know.
Update – Titan Insurance is no longer issuing auto insurance policies. Titan’s parent company, Nationwide, announced that Titan no longer sells personal or commercial car insurance products. Visitors interested in Titan Insurance should contact Nationwide instead.
Titan Insurance Overview
Titan Insurance is headquartered in Troy, Michigan and is part of the Nationwide Insurance group. Nationwide is one of the largest and most reputable insurance companies in the country. They have over 80 years of experience and an A+ rating from AM Best, which means they are very financially stable. They offer coverage in 26 states with a focus on those who might have difficulty finding affordable coverage elsewhere. This includes drivers who require SR-22 certification or drivers who have DUIs or at-fault accidents on their record. They also offer affordable coverage for teenage drivers and drivers who have let their coverage lapse.
Titan Insurance Coverage Options
Titan Insurance offers the standard car insurance coverage options that you would expect from any reputable insurer. These include:
- Liability insurance. This type of insurance is required in every US state. It covers medical and repair costs that you are liable for if you are found at fault in an accident.
- Underinsured/uninsured motorist. Although insurance is required by law, there are still many people who choose to drive without it. There are also people who only carry the bare minimum of car insurance coverage. If you’re hit by someone who is uninsured or underinsured, this type of coverage will pay for your damages so you’re not reliant on their insurance policy. Some states mandate that drivers carry this type of coverage.
- Comprehensive. This pays for most types of damage to your vehicle, including vandalism, weather damage, and more.
- Collision. This pays for any damage that happens as a result of a collision, either with another car or with a stationary object.
- Medical payments coverage. This provides additional medical coverage should you or your passengers incur any serious injuries that require ongoing care.
- Non-standard auto insurance coverage. Titan specializes in non-standard auto insurance coverage, which is for people who require SR-22s or otherwise cannot get coverage due to their driving record. An SR-22 is a certificate that the individual must carry, stating that they hold at least the state-mandated amount of insurance.
- Add-ons: Titan offers a number of add-ons for their insurance policies. This includes roadside assistance coverage, towing services, rental car reimbursement, and much more.
Titan Insurance Customer Service
Titan Insurance has generally good customer service ratings and minimal complaints from customers. Because they are part of the Nationwide Insurance group, they are very reliable and can be trusted to make insurance payouts regardless of the economic climate. They have an A+ rating from AM Best, an independent agency that rates the financial strength of insurance providers and other financial organizations. Nationwide also has an A rating from the Better Business Bureau.
Titan Insurance Discounts
Titan Insurance offers a number of possible discounts for its customers. Even customers who experience higher premiums due to SR-22s and other driving record issues can qualify for these discounts. Here are the most notable Titan Insurance discounts customers can take advantage of.
- Good student discount: If you’re a teen or college-aged driver that’s still in school, you can get a discount for having good grades. Good students are statistically more likely to be better drivers.
- Multiple vehicle discount: If you choose to insure all of the cars in your household on one policy, you can qualify for a multi-car discount.
- Military discount: Military members of all branches can qualify for a small discount.
- Accident-free discount: If you have maintained a good driving record without accidents, you’ll be rewarded with a significant discount from Titan.
- Safety features discount: If your car has safety features like anti-lock brakes or anti-theft devices, you may qualify for a safety features discount. Safety features can dramatically reduce your chances of getting into an accident or filing a claim.
- Homeowner discount: Titan is one of many insurance companies to offer a discount for homeowners. Statistically, homeowners have been less likely to file claims than others.
- Advanced quote: Titan offers an incentive to switch from another insurance carrier. If you get a quote from Titan Insurance at least eight days before your current insurance policy ends, you may qualify for a discount.
- ETF discount: Titan allows you to set up electronic debit payments from your checking account. Because these types of payments are very secure and reliable, you can get a discount for using it.
Pros of Using Titan Insurance
There are several advantages of using Titan for your car insurance coverage. These include:
- Titan offers affordable rates, particularly for those who may not be able to get affordable car insurance somewhere else. They take customers who need SR-22s and might get denied coverage by other carriers. They have a wide range of discounts available to help customers save even more money. They also offer reasonable pricing for teen drivers, who are often hit with high premiums due to inexperience.
- Because Titan is part of Nationwide, they are very trustworthy and have good financial strength ratings. They also get generally good reviews for their customer service.
- Titan offers a smartphone app for both iPhone and Android. This makes it very convenient for busy customers to pay their bills and generally manage their policies. They also offer flexible payment options, which makes it easier to pay your bills on time and avoid late fees.
Cons of Using Titan Insurance
As with any other company, there are some disadvantages to using Titan Insurance for your car insurance. Here are the potential downsides to consider before buying a policy from Titan Insurance.
- If you have a strong driving record already, Titan Insurance likely won’t be your cheapest option. You’ll be able to get a more affordable policy from a more mainstream carrier. You’ll also be able to get more extensive coverage from other carriers.
- While Titan Insurance does have a smartphone app, it doesn’t offer a way for customers to pay their bills online. This can be very inconvenient for busy customers that don’t have much free time.
If you need an SR-22 or have a DUI on your record, Titan Insurance could be a good option for you. They offer affordable coverage, with the reliable service and reputation of Nationwide.
Update – As stated above, Titan Insurance is no longer offering auto insurance policies. If you were interested in purchasing auto insurance from Titan, please contact its parent company, Nationwide, instead.