Acuity Car Insurance Review

Acuity car insurance review

Acuity Insurance Overview

Acuity Insurance is a mutual insurance company based out of Sheboygan, Wisconsin and is the 57th largest insurance provider in the US.   They made our list of auto insurance companies to compare rates with.  Acuity Insurance boasts a high customer satisfaction rate and a good history of paying claims on time in full. Acuity Insurance claims that it answers 93% of phone calls in less than 15 seconds and they have high reviews on Trustpilot. The company has also received an A+ ranking from both BBB and A.M. Best, one of the most recognized insurance raters in the country.

Car insurance offered by Acuity is fairly standard and includes most of the basic protections you want from your insurance, including:

In addition to standard coverage, Acuity offers a lot of secondary options like personal injury protection, uninsured motorist protection, towing and labor reimbursement, and more. There is also an enhanced insurance package you can buy that includes death benefits and increased medical expense coverage limits. You can also buy special full safety protection that allows you to avoid paying a deductible if your windows shatter or need to be replaced.

 

What States Does Acuity Offer Auto Insurance In?

 

CLICK ON YOUR STATE TO VIEW AUTO INSURANCE RATES

 

Acuity is listed in 22 states so in order to get a policy you have to schedule an appointment with one of their representatives in one of those 22 states. These states Acuity is listed in are:

– Arizona

– Colorado

– Idaho

– Illinois

– Indiana

– Iowa

– Kansas

– Kentucky

– Michigan

– Minnesota

– Missouri

– Montana

– Nebraska

– New Mexico

– North Dakota

– Ohio

– Pennsylvania

– South Dakota

– Tennessee

– Utah

– Wisconsin

– Wyoming

 

The Pros and Cons of Acuity Auto Insurance

Pros

– Good customer reviews and ratings from recognized insurance organizations

– Comprehensive policies with a lot of flexibility

– Good discounts for safe driving

– Special plans for insuring teen drivers

– Friendly customer support

Cons

– Customer support is not that knowledgeable

– No anonymous quote tool on website

 

Types of Auto Insurance Coverage Offered by Acuity

Acuity has a fairly standard insurance plan that has several options for endorsements and add-ons. Essential coverage included in a standard insurance plan include:

Liability coverage: Liability coverage pays for any personal or property damage others incur as a result of an accident.

Medical payments: Medical payment protection will cover any required medical or funeral expenses that occur to you, passengers, or pedestrians.     Medical payments also cover lost wages due to injury from an accident.

Uninsured motorist coverage: Uninsured motorist coverage protects you and your family against injury in the case that someone who does not       have insurance drives your car.

Collision coverage: Comprehensive collision coverage protects your vehicle from damages.

 

Along with the essentials, Acuity offers “Innovative coverages with competitive pricing, which includes:

Vehicle replacement coverage: If your car or bike is totaled by an accident, vehicle replacement coverage will cover the cost of an identical             replacement of the same brand and model.

Full safety glass: Full safety glass coverage protects your car windows and will replace them without you having to pay your deductible.

Medical payment seat belt coverage: Medical payment limits are increased if the affected party was wearing a seatbelt at the time of the accident.

Uninsured motorist property damage: Covers property damage incurred if damaged by a driver without any insurance.

 

Lastly, Acuity offers a list of extra valuable coverage options you can choose from:

Towing and labor:  Towing and labor coverage reimburses you for towing when your vehicle breaks down.

Personal auto enhancements: This endorsement covers any personal property that is damaged in a car accident or lost due to theft from your car. It includes veterinarian reimbursement if your pet is injured in an accident and airbag replacement if your airbag is tripped outside of an accident.

Auto-loan: Auto-loan coverage will cover the remaining unpaid principal on your unpaid auto-loan.

Transportation expenses: Transportation expenses will reimburse you for expenses accrued due to bus fare, rideshare fees, taxi fares, and more.

 

Auto Insurance Discounts Offered by Acuity

As is the case with most auto-insurance companies, Acuity will offer insurance discounts for several reasons. Here are some of the auto policy discounts available to customers:

  • Safe driver discount
  • Good student discount
  • Grad student discount
  • Accident-free discount
  • Multi-car discount
  • Safety-features discount (buying a car with advanced safety features)

Acuity also offers some larger discount plans, such as bundling your home and auto insurance plans to save up to 20% on monthly premiums. The Road and Residence Program allows you to bundle auto and home insurance and features increased limits, discount prices, and more coverage options.

 

How are Acuity’s Auto Insurance Ratings?

As of the time of writing, Acuity Auto Insurance has an A+ rating from the BBB and an average score of 4.1/5 for 113 reviews. Most reviews are very positive and talk about how filing a claim is easy and the staff is friendly and helpful. Many reviews also praise Acuity discounts for giving them cheaper plan options.

Acuity also has a good Trustpilot profile with a 4.6/5 rating for almost 100 reviews. Over 73% of reviews are “excellent” and very few are “bad.” Most customers claim Acuity is trustworthy and responds to their claims in a timely and professional manner.

Locations/How to File a Claim You can file a claim in person at an Acuity branch or agent. The site has a convenient lookup tool so you can find an agent in your area.

You can also file a claim by calling their claim service line at (800) 242-7666. Once there, press “2” to file a claim, press “3” for windshield claims, or press “4” for all other claims.

Acuity also gives customers the option to file claims online using this claim form.

 

Overall Summary of Acuity Auto Insurance

Acuity Insurance is a long-running and trusted insurance brand. Most of the information we found indicates they are trustworthy and have a good history of managing client claims in a professional and timely manner. They have good essentials coverage and a large list of endorsements and supplemental insurance to choose from. The only criticisms we found were a less than knowledgeable customer support and the inability to file a claim online.

Frequently Asked Questions

Is Acuity a good company for auto insurance?

Acuity Insurance is a mutual insurance company based out of Sheboygan Wisconsin. Acuity is the 57th largest insurance provider in the US and the company boasts a high customer satisfaction rate and a good history of paying claims on time in full. The company claims that it answers 93% of phone calls in less than 15 seconds and the company has high reviews on Trustpilot. The company has also received an A+ ranking from both BBB and A.M. Best, one of the most recognized insurance raters in the country.

What types of auto coverage does Acuity offer?

Car insurance offered by Acuity is fairly standard and includes most of the basic protections you want from your insurance, including:
– Liability coverage
– Medical payment coverage
– Comprehensive collision coverage

Does Acuity offer any auto insurance discounts?

As is the case with most auto-insurance companies, Acuity will offer insurance discounts for several reasons. Here are some of the auto policy discounts available to customers:
– Safe driver discount
– Good student discount
– Grad student discount
– Accident-free discount
– Multi-car discount
– Safety-features discount (buying a car with advanced safety features)