Legacy Insurance Agent Arizona: Your Reliable Insurance Partner
Legacy Insurance Services Inc. is an insurance company headquartered in the beautiful Ahwatukee foothills of Phoenix, Arizona. Founded in 1998, the company has been committed to providing attractive and competitive insurance products to its customers. The key to Legacy’s success lies in its Agent Partners and its people, who are talented, experienced, and customer-service-focused.
Legacy Insurance Services Inc. specializes in personal automobile insurance and works closely with its producers to develop attractive and competitive products. This focus on product development ensures bottom-line profitability for its business partners and fosters long-term relationships with agents.
The company’s underwriting team plays a crucial role in the success of its insurance products. They are responsible for the extraordinary handling and servicing of policies, which enables Legacy to build long-term agent partnerships that endure the test of time. The underwriting process encompasses all activities after the producer has sold a Legacy policy, including billing, endorsement, and renewal processing. Legacy’s underwriting team is committed to maintaining an outstanding team of underwriters and customer service specialists, pricing policies competitively and adequately, and leveraging all available tools to analyze each risk effectively
Legacy Insurance Services Inc.’s dedication to working closely with its producers and providing exceptional customer service has allowed it to establish itself as a leader in the personal automobile insurance market. By focusing on product development, underwriting excellence, and long-term legacy insurance agents’ partnerships, Legacy continues to offer competitive and attractive insurance products to its customers.
Legacy Insurance Agent Arizona offers competitive rates for its auto insurance products. Its rates are consistently competitive with those of the cheapest insurance providers, ensuring that customers receive the best possible coverage at an affordable price.
Legacy Insurance Services Inc. operates in several states, including Alabama, Arizona, Arkansas, Colorado, Georgia, Indiana, Kentucky, Nevada, Ohio, South Carolina, Tennessee, Texas, and Virginia.
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Legacy Insurance Services Inc. offers a variety of coverage options for personal automobile insurance to cater to the diverse needs of their customers. Some of the specific coverage options include:
**Liability coverage**: Liability coverage is an essential component of personal automobile insurance, as it protects you if you are responsible for an accident. It covers the costs of property damage and bodily injury to others involved in the accident. Specifically, liability insurance can be broken down into two categories:
**Property damage coverage**: This coverage pays for damage to another person’s property, such as vehicles, yards, light poles, or other property damaged due to the accident.
**Bodily injury coverage**: This coverage pays for costs related to injuries for which you are legally liable. It can cover medical expenses, lost wages, pain and suffering, rehabilitation services, and in-home healthcare services for the injured party
Liability coverage is required by most states to legally drive your vehicle, and it provides important protection for drivers in case of accidents.
**Uninsured/Underinsured motorist coverage**: Uninsured/Underinsured Motorist Coverage (UM/UIM) is an essential component of personal automobile insurance that protects you and your vehicle in case of an accident with a driver with insufficient or no insurance. This coverage can help pay for injuries and property damage in such situations. Specifically, UM/UIM coverage includes:
**Uninsured Motorist (UM) Coverage**: This coverage protects you if you are involved in an accident with a driver without auto insurance or in a hit-and-run accident. It can cover medical bills, lost wages if you can’t work because of injuries, and other damages resulting from the accident.
**Underinsured Motorist (UIM) Coverage**: This coverage comes into play when the at-fault driver has insurance, but their liability coverage limits are not high enough to cover the costs of injuries or damages resulting from the accident. UIM coverage can help pay for medical expenses, pain and suffering, funeral costs, and lost wages if you can’t work.
By including Uninsured/Underinsured Motorist Coverage in your personal automobile insurance policy, you can ensure that you are protected in case of an accident with a driver who has insufficient or no insurance, providing you with peace of mind and financial security.
**Collision coverage**: Collision coverage is a type of auto insurance that helps pay for the repair or replacement of your vehicle if it is damaged in an accident with another car or object. This coverage is not dependent on who is at fault for the accident, meaning it can provide protection even if you are responsible for the collision.
Collision insurance covers a variety of accident scenarios, including:
– Collisions with other vehicles
– Collisions with objects, such as fences or trees
– Single-car accidents that involve rolling or flipping over
– Damage caused by hitting an obstruction in the road, such as a pothole
It is important to note that collision coverage only reimburses you for damage to your car, not for damage to other vehicles or objects or for bodily injuries sustained in the accident. Additionally, collision coverage usually comes with a deductible, the amount you agree to pay out of pocket before your insurance company covers the rest of the costs.
While no state law requires collision coverage, your lender may require it if your car is under lease or loan. Even if it is not required, collision coverage can provide financial protection and peace of mind in an accident.
**Comprehensive coverage**: Comprehensive coverage is a type of auto insurance that protects your vehicle in case of damage from events other than collisions, such as theft, vandalism, fire, or natural disasters. This coverage is designed to help pay for repairing or replacing your vehicle if it is damaged due to non-collision events.
Some examples of situations where comprehensive coverage would apply include:
– Theft of your vehicle
– Vandalism or malicious damage to your vehicle
– Damage from a fire
– Damage from natural disasters, such as storms, floods, or hail
– Damage caused by falling objects, such as tree branches
– Damage from hitting an animal, such as a deer
Comprehensive coverage is not required by law, but it may be required by your lender if your car is under lease or loan. It is an optional coverage that can be added to your insurance policy to provide additional protection for your vehicle. By including comprehensive coverage in your automobile insurance policy, you can protect your vehicle against a wide range of potential damages, providing you with peace of mind and financial security.
**Medical payments coverage**: Medical Payments Coverage, also known as MedPay, is an optional component of personal automobile insurance that helps pay for medical expenses for you and your passengers in case of an accident, regardless of who is at fault. This coverage can be particularly useful in providing financial protection for initial medical expenses related to an accident.
Medical Payments Coverage can help cover a variety of medical expenses, including:
– Doctor visits
– Emergency room visits
– X-rays
– Chiropractic services
– Funeral expenses
MedPay applies to you, your relatives living in your home, and your passengers. It can also provide coverage if you are injured in an accident while in someone else’s vehicle or while being struck as a pedestrian. It is important to note that Medical Payments Coverage does not cover damage to other vehicles or objects, or for bodily injuries sustained by other parties in the accident.
While Medical Payments Coverage is not required by law, it can offer significant financial protection and peace of mind in the event of an accident, especially if you already have medical insurance, as it can help cover expenses that may not be covered by your primary health insurance.
Nonstandard auto insurance companies, similar to Legacy Insurance Services Inc
| Company Name | Specialization | Target Audience | Notable Features |
|---|---|---|---|
| Kemper Specialty | Nonstandard auto insurance | High-risk drivers | Offers coverage through independent agents |
| National General Insurance | Various auto insurance products | Diverse, including high-risk drivers | Provides both standard and nonstandard options |
| Good2Go | Minimum coverage auto insurance | High-risk drivers | Focuses on affordable, basic coverage |
| Dairyland | Nonstandard auto insurance | Drivers with poor records, SR-22 filers | Experienced in handling complex driving histories |
| The General | Nonstandard auto insurance | High-risk drivers | Known for accommodating drivers rejected by other insurers |
| Acceptance Insurance | Nonstandard auto insurance | High-risk drivers | Caters specifically to the nonstandard market |
Customer Reviews and Ratings of Legacy Insurance Services Inc.
Positive Reviews:
**Exceptional Customer Service**: Many customers have praised Legacy Insurance Services Inc. for their attentive and responsive customer service. Representatives are often described as knowledgeable, helpful, and quick to resolve any issues.
**Competitive Rates**: Numerous reviewers appreciate the competitive pricing and value for money that Legacy Insurance Services Inc. offers. Customers feel that they receive comprehensive coverage at a reasonable cost.
**Ease of Process**: The simplicity and efficiency of the application and claims processes are frequently mentioned. Customers find it easy to navigate through the insurance process, from getting quotes to filing claims.
**Coverage Options**: A wide range of insurance products and customizable coverage options are highlighted as significant benefits. Customers value the ability to tailor policies to meet their specific needs.
Negative Reviews:
**Billing Issues**: Some customers have reported problems with billing, such as unexpected charges or difficulties in understanding their billing statements.
**Claims Processing Delays**: While many praise the claims process, there are instances where customers experienced delays or communication breakdowns during claims processing.
**Limited Availability**: A few customers have mentioned that they faced difficulties reaching customer service during peak times or experienced longer wait times for service.
Overall Ratings:
– **Google Reviews**: Generally high ratings, often 4+ stars out of 5, reflecting strong customer satisfaction.
– **Yelp**: Mixed reviews with some high ratings and a few lower ratings bring the average down.
– **Better Business Bureau (BBB)**: Often holds an A+ rating, indicating trustworthiness and reliability, though individual customer reviews can vary.
Legacy Insurance Services, Inc. provides several customer support options for their clients:
Phone Support: Customers can reach Legacy Insurance Services, Inc. by calling their main phone numbers: (480) 413-9173 or toll-free at (888) 793-7888.
Mailing Address: For written correspondence, customers can use the following mailing address:
PO Box 50600
Phoenix, AZ 85076-0600
Online Customer Login: Legacy Insurance offers a customer login portal on its website, allowing clients to access their policy information online.
– Online policy management
– Electronic payments
– Policy change requests
– Certificate of insurance requests
– Auto ID card requests
Claims Reporting: Customers should call (888) 265-7689 to report a new claim.
Fax: The company provides two fax numbers for those who prefer to send documents via fax: (480) 413-9163 and (888) 793-7880.
Corporate Headquarters: The company’s headquarters is in the Ahwatukee foothills of Phoenix, Arizona.
Blake Nwosu
Owner & Principal Agent
Blake Insurance Group
Phone: (888) 387-3687
Email: [email protected]
Hours: Mon-Fri 9:00 am to 5:00 pm
Sat-Sun: Closed