Acuity Car Insurance Unbiased Review {2024 Updated}

Introduction to Acuity Car Insurance

Acuity Car Insurance by Acuity Insurance, founded in 1925, is a well-established insurance provider offering a range of products, including car insurance. Headquartered in Sheboygan, Wisconsin, Acuity Car Insurance is known for its customer-centric approach and robust coverage options.

Acuity has grown significantly over the years and serves customers across 29 states in the United States. This review will provide a detailed look into Acuity Car Insurance, including pricing, availability, pros and cons, comparisons with other car insurance providers, and how it addresses common customer concerns.

Acuity Car Insurance
Acuity Car Insurance

Availability and Coverage of Acuity Car Insurance

Acuity Car Insurance is available in the following states:

  • Alabama
  • Arizona
  • Arkansas
  • Colorado
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • South Carolina
  • South Dakota
  • Tennessee
  • Utah
  • Washington
  • Wisconsin

Acuity offers a variety of coverage options, including:

  • Liability Coverage
  • Collision Coverage
  • Comprehensive Coverage
  • Uninsured/Underinsured Motorist Coverage
  • Medical Payments Coverage
  • Personal Injury Protection (PIP)
  • Roadside Assistance
  • Rental Reimbursement

Pricing of Acuity Car Insurance

The pricing for Acuity Car Insurance varies depending on factors such as the driver’s location, driving history, vehicle type, and selected coverage options. On average, the annual premium for full coverage ranges from $1,200 to $1,800. Acuity offers several discounts that can help reduce premiums, including safe driver discounts, multi-car discounts, and bundling policies.

Sample Pricing Table

Coverage TypeWisconsinIllinoisGeorgiaOhioPennsylvaniaArizona
Basic Liability$1,100$1,120$1,150$1,130$1,160$1,140
Full Coverage$1,500$1,520$1,550$1,530$1,560$1,540
Comprehensive$1,300$1,320$1,350$1,330$1,360$1,340

Pros and Cons of Acuity Car Insurance

Pros

  1. Customer Service: Acuity is known for excellent customer service with high satisfaction ratings.
  2. Comprehensive Coverage Options: Offers a wide range of coverage options to suit different needs.
  3. Discounts: Multiple discounts available, including for safe driving, multi-vehicle policies, and bundling with home insurance.
  4. User-Friendly Website: Easy to navigate, obtain quotes, and manage policies online.
  5. Financial Stability: Strong financial ratings ensuring reliability and trustworthiness.

Cons

  1. Limited Availability: Not available in all 50 states.
  2. Price: Premiums can be higher compared to some competitors, particularly for full coverage.
  3. Mixed Reviews on Claims: While generally positive, some customers report issues with the claims process.
  4. No Local Agents: Operates primarily online and via phone, which might be less convenient for those preferring face-to-face interactions.

Comparison of Acuity Car Insurance with Other Car Insurances

Geico

  • Pricing: Generally lower than Acuity.
  • Coverage: Nationwide availability with a variety of customizable options.
  • Customer Service: Highly rated with extensive online tools and local agents.

Progressive

  • Pricing: Wide range with usage-based options that can be cost-effective for low-mileage drivers.
  • Coverage: Extensive and customizable, available nationwide.
  • Customer Service: Mixed reviews but generally positive with a strong online presence.

State Farm

  • Pricing: Typically higher than Acuity but offers personalized service through local agents.
  • Coverage: Comprehensive with many additional options and discounts.
  • Customer Service: Highly rated with a vast network of local agents.

Comparison Table

FeatureAcuityGeicoProgressiveState Farm
Availability29 statesNationwideNationwideNationwide
Average Premium$1,200 – $1,800$1,200 – $1,600$1,100 – $1,600$1,300 – $1,700
DiscountsYesYesYesYes
Customer ServiceGenerally PositivePositiveMixedHighly Positive
Online ToolsRobustRobustRobustModerate
Local AgentsNoYesYesYes

Customer Experience and Common Problems of Acuity Car Insurance

Positive Feedback

  1. Customer Service: High ratings for helpful and responsive customer service.
  2. Coverage Options: Customers appreciate the wide range of coverage options.
  3. Discounts: The availability of multiple discounts is a frequent point of praise.
  4. Financial Stability: Customers feel secure due to Acuity’s strong financial ratings.

Common Complaints

  1. Claims Processing: Some customers report delays and challenges in the claims process.
  2. Price: Higher premiums compared to some competitors, especially for comprehensive coverage.
  3. Availability: Limited to 29 states, restricting access for some potential customers.
  4. Lack of Local Agents: Preference for in-person service is unmet due to the lack of local agents.

Helpline and Contact Information of Acuity Car Insurance

For any inquiries, claims, or customer service needs, Acuity provides several contact options:

  • Customer Service Helpline: 1-800-242-7666
  • Claims Department: 1-800-242-7666 (same as customer service)
  • Website: Acuity Insurance

Getting a Quote for Acuity Car Insurance

To obtain a quote from Acuity Car Insurance, you can visit their website or call their customer service helpline. The process involves providing basic information about your vehicle, driving history, and desired coverage. The website offers a user-friendly interface to guide you through the steps.

Quotes of Acuity Car Insurance Across Different States and Regions

The cost of car insurance varies significantly across different states due to factors such as local laws, accident rates, and repair costs. Here’s a breakdown of how quotes might differ:

StateBasic LiabilityFull CoverageComprehensive
Wisconsin$1,100$1,500$1,300
Illinois$1,120$1,520$1,320
Georgia$1,150$1,550$1,350
Ohio$1,130$1,530$1,330
Pennsylvania$1,160$1,560$1,360
Arizona$1,140$1,540$1,340

Addressing Customer Concerns in Acuity Car Insurance

Claims Processing Delays

Acuity is investing in technology to streamline the claims process and reduce delays. Customers are encouraged to use the online claims portal and ensure all necessary documentation is provided promptly to expedite the process.

Higher Premiums

While Acuity’s premiums may be higher than some competitors, they reflect the comprehensive coverage options and strong customer service provided. Acuity also offers multiple discounts to help offset these costs.

Limited Availability

Acuity is continually working to expand its reach and provide services in more states. Customers in non-covered states are advised to check periodically for updates on availability.

Lack of Local Agents

Acuity is enhancing its customer support services to ensure that customers receive personalized service, even without local agents. The online tools and phone support are designed to provide comprehensive assistance.

Conclusion of Acuity Car Insurance

Acuity Car Insurance offers a reliable and customer-focused option for drivers in the United States. With a range of comprehensive coverage options, multiple discounts, and a reputation for excellent customer service, Acuity stands out as a strong contender in the car insurance market. While there are areas for improvement, particularly in claims processing and availability, the overall value provided by Acuity is significant.

For more information or to get a quote, visit Acuity Insurance or contact their customer service helpline at 1-800-242-7666. Whether you’re looking for robust coverage, exceptional customer service, or easy online policy management, Acuity Car Insurance is worth considering for your car insurance needs.

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