Encompass Auto Insurance Review

Encompass Auto Insurance Review

As a driver, it is your responsibility to find appropriate coverage based on your state requirements and your personal needs. You’ll want to compare several different insurance companies to find the right one for you.

In this Encompass Auto Insurance review, you will find relevant information that will help you decide if this is indeed the right insurance provider for you.

About Encompass Auto Insurance

Encompass is a branch of Allstate founded in 2000. Currently, they sell their policies through over 2,400 independent insurance agents exclusively. You can find their headquarters in Illinois, and they have coverage in more than 39 states.

One of the most exciting things about Encompass is their financial rating. Based on the A.M. Best’s ratings (scored from A++ to D), Encompass has a very high overall rating of A+. They have a very stable outlook, likely because they are a branch of one of the most popular insurance companies in the country.

Encompass Auto Insurance Coverage Options

As mentioned, Encompass is mostly known for the wide variety of coverage options that they offer. This makes it much easier for drivers to not only find required coverage but also optional packages that give them more security and stability.

The most notable auto insurance coverage options from this company include:

  • Liability

If you’re found to be at-fault in an accident that causes property damage or personal injury, this coverage will deal with auto repairs and medical expenses. The liability limits go up to $250,000 for bodily injury per person, as well as $500,000 for each accident.

  • Comprehensive

Any other types of unexpected damage to your vehicle from something outside of an accident will be covered by comprehensive coverage. This may include vandalism, falling objects, or debris from natural disasters.

  • Under and Uninsured Motorist Liability

With a large number of drivers without insurance, this is a very important type of coverage to have. Under and uninsured motorist liability covers repair costs associated with accidents involving an uninsured driver.

  • Accident Forgiveness

If you’re found to be at-fault in an accident, accident forgiveness coverage helps to protect your premiums from ballooning.

  • Enhanced Accident Forgiveness

As another type of accident forgiveness, this enhanced version is only available to Encompass Elite members. It applies to multiple accidents where you are found at-fault, making it ideal for families with teen drivers.

  • New Car Replacement

For drivers who own vehicles that are four years old or younger, you’ll be able to have your vehicle replaced after paying your deductible. This only applies in situations where your car is declared a total loss.

  • Roadside Assistance

You never truly know when you’ll be in need of roadside assistance, which is why it’s essential to add this to your policy. With Encompass, you will have 24/7 roadside assistance with plenty of online features.

  • Loan or Lease Gap Coverage

The final piece of coverage that you can buy is any loan or lease gap coverage. This will pay the difference between what you owe on your vehicle and its cash value if it’s declared a total loss in an accident.

Benefits of Encompass Auto Insurance Policies

Now that you are fully aware of the different types of coverage available from Encompass, you’ll also want to consider their benefits. As they have such a strong rating and a stable outlook, you can guarantee they’re one of the better auto insurance companies to work with.

  • Safe Driving Bonuses

If you’re the type of driver who never gets into an accident or never gets pulled over, you’ll love the fact that this insurance company has a safe driving bonus. If you are incident-free for at least 12 months, you may be eligible to save up to 5% off of your insurance.

  • Encompass Easy Pay

Instead of stressing about remembering to pay for your insurance at your agreed upon schedule, you can easily take advantage of Easy Pay. This program will automatically deduct the amount for your insurance from your account via automatic payments.

  • Student Discounts

It can be difficult for students to find affordable insurance providers that still gives them an ample amount of coverage. Luckily, Encompass takes students into account with three main discounts.

The good student discount helps students with a 3.0 GPA or higher to save on their insurance. You’ll also be able to take advantage of a resident student discount, which allows you to save on insurance if you live 100 miles or more away from home.

The final student-based discount is for young drivers who are new to driving. Drivers who are 20 years old and younger and have completed a driver’s training course may be entitled to even more savings.

  • EncompassOne Packages

If you’re looking for the easiest way to get the coverage you need, EncompassOne is incredibly useful. These packages are predetermined and include a variety of coverage options, such as home insurance, auto insurance, and personal effects insurance. All of these items are grouped together and are available for a single premium.

Cons of Encompass Auto Insurance Policies

There aren’t too many disadvantages to opting for Encompass Auto Insurance, though there are a few concerns to consider, including:

  • Limited Availability

Unfortunately, there are plenty of states where Encompass is still unavailable. These states include Idaho, Alaska, Hawaii, Florida, Mississippi, Montana, Nebraska, Massachusetts, North Dakota, North Carolina, Oklahoma, Wyoming, and South Dakota.

  • Poor Transparency

When you’re shopping for insurance online, you’re going to want as much information as possible ASAP. With Encompass, you will always have to speak to an associate to get an idea of what their prices are as well as their discount rates. There’s very little information about deductibles that you will find online.

  • In-Person Applications Only

It can be far more convenient to apply for insurance online, especially when you’re comparing quotes. With Encompass, you cannot apply online; you can only contact a sales associate to help you via telephone.

Encompass Auto Insurance Review: Final Thoughts

Overall, in this Encompass Auto Insurance review, we highly recommend their insurance for good drivers and students who are searching for driving discounts. It’s also an excellent idea for people who prefer to manage their insurance accounts online rather than having to visit in-person for small changes.

With a high overall rating and a positive outlook, it will seemingly be an insurance company around for many more years with plenty of flexible coverage options.

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