When researching Prudential Auto Insurance reviews, you’ll find that they are an insurance company that was designed to look out for the everyday driver. When you are operating a vehicle, you are legally and morally responsible to have insurance. This not only protects your finances but the finances and well-being of other drivers as well.
With the right insurance, you’ll have an ample amount of coverage to protect you in any type of accident, whether it’s with another vehicle or a single-vehicle collision.
Prudential Auto Insurance Overview
As mentioned, Prudential is an insurance company that was developed based on the idea of giving affordable insurance to working-class individuals. It’s also one of the largest insurance companies in the United States with online and in-person agents in multiple states. Prudential has received an A+ rating from A.M. Best, an AA- rating from S&P, and an A+ rating from Fitch.
This insurance provider is highly recommended for drivers who are looking for multiple types of insurance, as they also offer different kinds of life insurance and homeowners insurance. However, this auto insurance is one to take note of as it may prove to be substantially useful to you and your family.
It’s also important to note that Prudential Auto Insurance isn’t like most other big-time providers, as they work with agents who are licensed to sell insurance products through other companies. This helps you to get the most customized policy possible for affordable rates. Operating under their parent company, Prudential Insurance Company of America Inc., you’re likely to find competitive policies.
Prudential Auto Insurance Coverage Options
One of the most important aspects of choosing an insurance policy is to make sure you have the coverage you need. As Prudential works with other insurance companies, you can guarantee you’ll be able to create a customized policy that covers your necessities.
Some of the most common coverage options you’ll come across include:
- Personal Injury Protection
As an additional safeguard in an accident, personal injury protection assists with paying for lost wages, ambulance rides, or even child care. However, what is covered may differ depending on the provider and the state in which you reside.
When you are found at-fault in an accident, collision assists with covering additional payments stemming from the accident. This includes vehicle repairs, medical bills, or other expenses that may be related.
Depending on where you live, comprehensive coverage may not be a requirement, but it’s certainly recommended. With comprehensive coverage, unexpected damage to your vehicle is covered, which includes damage from natural disasters, theft, or vandalism.
- Uninsured/Underinsured Motorist
When in an accident with someone who is underinsured or uninsured, you’ll need to make sure your medical bills and vehicle repairs are covered. This type of insurance gives financial backing in the event that the other driver doesn’t have car insurance or has lacking insurance.
- Property Damage Liability
In the event, you are in an accident where you damage another person’s property, such as their home, property damage liability becomes quite useful. This also includes damage to another person’s vehicle, and the minimum requirements for property damage liability vary per state.
Prudential Car Insurance Policies – Pros
As Prudential Auto Insurance is a branch of the parent company, there are likely plenty of benefits you are set to experience once you become one of their policyholders. Some of the most notable advantages of their policies include:
As something that might not be available from smaller insurance providers, there are plenty of discounts to consider with Prudential. This is especially true if you bundle your policies together with other types of coverages they have to offer.
For example, if you have anti-theft devices installed in your vehicle, you may be eligible for discounts. Above all else, the easiest way to save is to bundle multiple policies together, if possible.
As Prudential has a lot of different insurance packages, you can combine your homeowner’s insurance, life insurance, and auto insurance together to save a percentage.
- Agents Country Wide
Instead of settling for an insurance agency that operates in one to two states, Prudential agents are available in numerous places in the United States. This can help to make it much simpler to find the insurance coverage you need without settling for a lackluster policy. Contacting their insurance team is also incredibly simple.
- User-Friendly Online Services
There are multiple online services to put to good use before and after you are a policyholder. You can find plenty of information about your policy through their online portal, and their website is incredibly easy to navigate through. Most of the questions you may have can easily be answered online, instead of having to talk to an agent.
- Positive Reviews
Compared to most other insurance companies, you’ll find the average opinion about Prudential Auto Insurance is mostly positive. As always, there will be customers who have had negative experiences, but for the most part, policyholders are very appreciative of their customer service and offerings.
Prudential Car Insurance Policies – Cons
It’s important to note that most of the negative experiences with Prudential are from a minority of their customers. With that said, there are some disadvantages to take note of, including:
- Slow Claims Processing
The main disadvantage that some customers noted about Prudential is that it takes a substantial amount of time for them to process claims. In the event of an accident where you are in need of funds from your insurance company, this can be disheartening.
- Lack of Assistance
As Prudential works with independent insurance agents, there isn’t a guarantee that you’ll be working with a professional trained in customer service. With that said, there have been some customers who have had a negative experience with the insurance agents they have assigned to their case. Unfortunately, this only adds to the stress of getting into an accident.
Prudential Auto Insurance Reviews: Final Thoughts
It appears to be that Prudential Auto Insurance reviews are mostly positive, though there are some customers who have had a negative experience in terms of customer service. With the same general insurance offerings as most other providers, you can guarantee you’ll get the coverage you need for an agreeable cost.
As a branch of Prudential Insurance, you’ll be working with a company that has the strong financial backing to ensure you get the right policy for your needs.