Freedom National Insurance Review
As an independent insurance agent with Blake Insurance Group, I understand that choosing the right auto insurance provider is crucial for many drivers. With so many options available, it can be challenging to find a company that offers both reliable coverage and excellent customer service.
That’s where Freedom National Insurance comes into play. Operating in states like Arizona, Alabama, Florida, Georgia, New Mexico, New York, North Carolina, Oklahoma, Ohio, Texas, and Virginia, Freedom National Insurance has made a name for itself by providing tailored auto insurance solutions to meet diverse needs.
In this review, we’ll explore Freedom National Insurance’s various aspects, from policy options and pricing to customer service and financial stability, to help you determine if it’s the right fit for your insurance needs. Whether you’re a new driver or looking to switch providers, this comprehensive review aims to provide the insights needed to make an informed decision.
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Policy Options and Coverage
Freedom National Insurance offers a variety of auto insurance policies designed to meet the needs of drivers in Arizona, Alabama, Florida, Georgia, New Mexico, New York, North Carolina, Oklahoma, Ohio, Texas, and Virginia. Here’s a detailed look at the policy options and coverage available:
**Basic Coverage Options**
– **Bodily Injury Liability**: This coverage helps pay for medical expenses and lost wages if you are found at fault in an accident that injures another person.
– **Property Damage Liability**: This covers the cost of damage to another person’s property, such as their vehicle or a fence, when you are at fault in an accident.
**Comprehensive Coverage**
– **Collision Coverage**: This pays for damage to your vehicle resulting from a collision with another car or object, regardless of who is at fault.
– **Comprehensive Coverage**: This protects against non-collision-related incidents such as theft, vandalism, fire, and natural disasters.
**Additional Coverage Options**
– **Uninsured/Underinsured Motorist Protection**: This coverage helps pay for your medical expenses and damages if you are hit by a driver who has no insurance or insufficient insurance.
– **Medical Payments or Personal Injury Protection (PIP)**: This covers medical expenses for you and your passengers, regardless of who is at fault in an accident.
**Value-Added Extras**
– **Rental Reimbursement Coverage**: This helps cover the cost of renting a vehicle while your car is being repaired after a covered accident.
– **Towing and Roadside Assistance**: This provides services like towing, battery jump-starts, and flat tire changes if your car breaks down.
– **Glass Coverage**: This covers repairing or replacing damaged windows or windshields.
**Specialized Coverage**
– **Emergency Road Service Coverage**: This offers assistance for various roadside emergencies, ensuring you’re not stranded if your vehicle encounters issues.
Pricing and Discounts
**Rate Competitiveness**
Freedom National Insurance offers competitive rates, particularly for high-risk drivers who may have difficulty securing coverage elsewhere. The average monthly rate for good drivers is approximately $79, which is relatively affordable compared to the national average.
However, it’s important to note that Freedom National’s rates can vary significantly based on individual factors such as location, driving history, and the level of coverage selected. While specific rates for all the states they operate in are not readily available, the company claims to offer some of the lowest rates in the states they service, such as Georgia, Arizona, and Utah.
Florida: This state is one of the most expensive for car insurance, with average monthly premiums for minimum coverage around $101. Freedom National’s rates might be competitive here, especially if they offer discounts to mitigate high base rates.
New York: Known for high insurance costs, minimum coverage in New York averages $2,490 per year. Freedom National’s ability to offer competitive rates in New York would depend on its discount offerings and coverage flexibility.
Texas and Virginia: These states have more moderate insurance costs, with Texas averaging $125 per month and Virginia $86 per month for car insurance. Freedom National could be more competitive in these states, especially for drivers seeking budget-friendly options.
**Available Discounts**
Freedom National provides several discount opportunities to help policyholders save on their premiums. These discounts include:
– **Pre-Payment Discount**: Savings for paying the full premium upfront.
– **Safety Features Discount**: Discounts are available for vehicles equipped with certain safety features.
– **Driver Safety Course Discount**: Reduced rates for drivers who have completed an approved safety course.
– **Higher Deductible Discount**: Opting for a higher deductible can lower premium costs.
– **Multi-Car Discount: Savings for insuring more than one vehicle under the same policy
Customer Service and Support
Freedom National Insurance offers several avenues for customer service and support, ensuring that clients have access to assistance when needed. Here is an overview of their customer service offerings:
– **Contact Information**: Customers can reach Freedom National’s customer service department by calling 888-542-4222 or emailing service@FreedomCustomer.com. For producer services, the contact email is service@FreedomProducer.com, and for technical support, it’s info@FreedomNational.com.
– **Claims Process**: Freedom National provides a dedicated claims process with the option to speak directly with claims experts. Customers can initiate a claim by calling the customer service number provided on their ID cards.
– **Online Services**: The company offers various online tools to manage policies, report claims, and obtain quotes. This digital approach is designed to streamline interactions and provide convenience to policyholders.
Customer Reviews and Reputation
**Positive Reviews**
On RaveCapture, Freedom National Insurance has an overall rating of 4.7 out of 5 stars based on 921 reviews. Many customers praised the company for its great customer service, affordable rates, and efficient online services. For example, verified buyers have highlighted the ease of purchasing insurance, the helpfulness of customer service, and the competitive pricing compared to other insurers.
**Negative Reviews**
– Conversely, the Better Business Bureau (BBB) features more critical reviews, with an average rating of 1 out of 5 stars from three reviews. Customers have reported issues such as unexpected policy cancellations, difficulty contacting customer service, and concerns about being overcharged or scammed. Some reviews describe experiences of having policies canceled without adequate notice and being asked to pay additional fees for reinstatement.
– Yelp reviews also reflect dissatisfaction, with complaints about poor customer service, billing issues, and long wait times on the phone. Customers have expressed frustration over the inability to reach representatives and being billed earlier than expected, leading to late payment issues.
**Overall Reputation**
While some appreciate Freedom National Insurance’s affordability and service, there are significant concerns regarding customer service and billing practices. Potential clients should weigh these mixed reviews carefully and consider contacting the company directly for clarification on specific policies and procedures.
Freedom National Insurance against several non-standard auto insurance companies
Freedom National Insurance vs Direct Auto Insurance
– **Coverage Options**: Both companies offer basic auto insurance coverage tailored for high-risk drivers. Direct Auto Insurance provides additional options such as Personal Injury Protection (PIP) and uninsured motorist coverage, which may offer more comprehensive coverage than Freedom National.
– **Pricing**: Freedom National is known for competitive rates for high-risk drivers, similar to Direct Auto, which also offers flexible payment plans.
– **Customer Service**: Direct Auto generally receives positive feedback for customer service, whereas Freedom National has mixed reviews, with some customers reporting issues with service and billing.
– **Target Market**: Both target high-risk drivers, but Direct Auto is noted for its flexible payment options, which may appeal to those needing more financial flexibility.
Freedom National Insurance vs Kemper Insurance
– **Coverage Options**: Kemper offers a wider range of coverage options, including specialized policies for non-standard drivers, compared to Freedom National’s more basic offerings.
– **Pricing**: Both companies provide competitive rates for high-risk drivers, but Kemper’s broader coverage options might offer better value for some customers.
– **Customer Service**: Kemper generally receives positive feedback for customer satisfaction, while Freedom National’s reviews are more mixed.
– **Target Market**: Both cater to high-risk drivers, but Kemper’s comprehensive coverage options may appeal to those seeking more robust protection.
Freedom National Insurance vs The General
– **Coverage Options**: The General specializes in basic auto insurance coverage for high-risk drivers, similar to Freedom National.
– **Pricing**: Both companies offer competitive rates and flexible payment plans, making them attractive to high-risk drivers.
– **Customer Service**: The General has mixed reviews, much like Freedom National, with some customers reporting issues with claims processing.
– **Target Market**: Both target high-risk drivers, including those with poor credit or driving records.
Freedom National Insurance vs Dairyland Insurance
– **Coverage Options**: Dairyland offers both auto and motorcycle insurance, providing flexible coverage options for high-risk drivers, which is similar to Freedom National’s offerings.
– **Pricing**: Dairyland is known for competitive rates, especially for motorcycle insurance, whereas Freedom National focuses more on auto insurance.
– **Customer Service**: Dairyland generally receives positive reviews for customer support, while Freedom National’s feedback is mixed.
– **Target Market**: Both cater to high-risk drivers, but Dairyland’s inclusion of motorcycle insurance may appeal to a broader audience.
Freedom National Insurance vs Progressive
– **Coverage Options**: Progressive offers a broad range of coverage options, including non-standard policies through subsidiaries, which may provide more flexibility than Freedom National.
– **Pricing**: Progressive is known for competitive rates and a wide array of discounts, potentially offering better value than Freedom National.
– **Customer Service**: Progressive generally receives high ratings for customer service, while Freedom National’s reviews are mixed.
– **Target Market**: Progressive serves all drivers, including high-risk individuals, with a more extensive range of coverage options.
Freedom National Insurance vs Infinity Insurance
– **Coverage Options**: Infinity offers personalized coverage options tailored for high-risk drivers, similar to Freedom National.
– **Pricing**: Both companies provide competitive pricing with various discounts available.
– **Customer Service**: Infinity has mixed reviews, with some customers reporting challenges with service, akin to Freedom National’s feedback.
– **Target Market**: Both focus on high-risk drivers seeking personalized service.
Freedom National Insurance vs SafeAuto
– **Coverage Options**: SafeAuto focuses on providing minimum coverage required by law, with additional options available, similar to Freedom National’s offerings.
– **Pricing**: SafeAuto is known for affordable rates, particularly for minimum coverage, which aligns with Freedom National’s competitive pricing.
– **Customer Service**: SafeAuto has mixed reviews, with some customers noting issues with customer support, similar to Freedom National.
– **Target Market**: Both target high-risk drivers needing minimum coverage.
Freedom National Insurance vs Titan Insurance
– **Coverage Options**: Titan specializes in non-standard auto insurance with flexible coverage options, similar to Freedom National.
– **Pricing**: Both companies offer competitive rates for high-risk drivers, with discounts available.
– **Customer Service**: Titan generally receives positive feedback for personalized service, while Freedom National’s reviews are mixed.
– **Target Market**: Both cater to high-risk drivers and those needing flexible coverage options.
| Company | Average Costs | Non-Standard Auto Insurance Offerings | Customer Satisfaction |
|---|---|---|---|
| Freedom National Insurance | Average monthly rate: $79 | Specializes in high-risk drivers, offering SR-22 policies and coverage for drivers with DUIs and multiple claims | Mixed reviews; some complaints about service and billing |
| Direct Auto Insurance | Average monthly rate: $96 | Offers flexible payment options and coverage for high-risk drivers | Generally positive reviews for customer service |
| Kemper Insurance | Average monthly rate: $79 | Offers a wide range of coverage, including specialized options for non-standard drivers | Generally positive feedback for customer satisfaction |
| The General | Average monthly rate: $89 with flexible payment plans | Specializes in basic coverage for high-risk drivers | Mixed reviews, with some issues in claims processing |
| Dairyland Insurance | $89.83 to $157.26 | Offers flexible coverage options for high-risk drivers, including motorcycle insurance | Generally positive reviews for customer support |
| Progressive | $79.81 to $157.27 | Offers non-standard policies through subsidiaries, catering to high-risk drivers | Generally high ratings for customer service |
| Infinity Insurance | $99.03 to $187.30 | Offers personalized coverage options for high-risk drivers | Mixed reviews, with some service challenges |
| SafeAuto | $79 to $159 | Focuses on providing minimum legal coverage with additional options available | Mixed reviews, with some customer support issues |
| Titan Insurance | $99 to $178 | Specializes in non-standard auto insurance with flexible coverage options | Generally positive feedback for personalized service |
| Commonwealth Casualty | $69 to $176 | Offers non-standard auto insurance, focusing on high-risk drivers | Mixed reviews; some complaints about service and billing |
| Hallmark Insurance | $79 | Provides non-standard auto insurance options | Mixed reviews; some complaints about service and billing |
FAQs about Freedom National Insurance
What types of auto insurance coverage does Freedom National offer?
Freedom National Insurance provides a variety of coverage options, including liability, collision, comprehensive, uninsured motorist, and medical payments coverage. They also offer additional coverages like rental reimbursement and towing insurance, which can be customized based on individual needs.
Is Freedom National Insurance suitable for high-risk drivers?
Yes, Freedom National specializes in providing auto insurance for high-risk drivers, including those with poor driving records or multiple claims. They offer SR-22 policies and are known for working with drivers who may find it challenging to secure insurance elsewhere.
How can I manage my Freedom National Insurance policy online?
Policyholders can manage their insurance online through Freedom National's secure website. This includes reporting a claim, obtaining quotes, checking policy terms, viewing the refund/cancellation policy, and paying bills.
What discounts are available with Freedom National Insurance?
Freedom National offers several discounts to help reduce premiums, such as discounts for pre-paying premiums, having car safety features, and participating in driver safety courses. However, specific details about discounts may require obtaining a quote.
How does Freedom National handle customer service?
Customer reviews of Freedom National's customer service are mixed. Some customers have reported issues with service and billing, while others appreciate the convenience of online policy management.
In which states does Freedom National Insurance operate?
Freedom National Insurance is known to operate in states like Arizona and Utah. However, the exact list of states can vary, and it is advisable to check directly with the company or through their website for the most accurate information.
How can I switch to Freedom National Insurance?
Switching to Freedom National Insurance is easy. Contact Blake Insurance Group to start the process. We’ll help you compare your current coverage with what Freedom National offers and assist you in making the switch seamlessly.
How can I get a quote from Freedom National Insurance?
You can easily get a quote from Freedom National Insurance by visiting their website or contacting Blake Insurance Group. Provide your vehicle and personal details to receive a personalized quote tailored to your needs.
Customer Reviews
Blake Nwosu
Owner & Principal Agent
Blake Insurance Group
Phone: (888) 387-3687
Email: info@blakeinsurancegroup.com
Hours: Mon-Fri 9:00 am to 5:00 pm
Sat-Sun: Closed