You may be tempted to read Windhaven Auto Insurance reviews when looking for insurance. As a driver, it is imperative that you take a sufficient amount of time to find a policy that works for you because you will want coverage in numerous areas.
With that said, there is a lot to know about Windhaven Auto Insurance prior to signing up for one of their policies. This article is designed to help you decide if this is the right choice for you.
About Windhaven Auto Insurance
Originally founded in Dallas in 1990, Windhaven could be considered as one of the newer insurance agencies on the market. They typically serve clients within Texas and Florida, negating drivers from other states. Currently, they do not have any plans to expand their services to other states.
As a small-sized regional insurance provider, they have experienced considerable growth among high-risk drivers searching for insurance.
Until recently, customers had to work with a local agent in order to find information about potential policies. Now, there is the ability to do so online. There is also the ability to find an independent agent who works with Windhaven to purchase products online, which is ideal for people who are tech-savvy.
Windhaven Auto Insurance Coverage Options
There is very little information available to prospective policyholders, especially when it comes to the official Windhaven Auto Insurance website. In order to get a better idea of the types of coverage they have, you will need to speak to an insurance agent.
Alternatively, you can visit the Clutch Insurance site to obtain a quote for more information about their insurance offerings. With that said, it’s highly likely Windhaven offers at least the minimum requirements for drivers in Florida and Texas, which includes:
- Bodily Injury Liability
In Texas, drivers are required to have a minimum of $30,000 for BI per individual and $60,000 per accident. In Florida, drivers must have $10,000 per person and $20,000 per accident.
- Property Damage Liability
For Texas drivers, you will be responsible for having a minimum of $25,000 for property damage liability. Florida drivers are required to have $10,000 per accident.
- Uninsured Motorist
Drivers in Florida are required to have $10,000 per person and $20,000 per accident for uninsured motorist coverage.
- Personal Injury Protection
Another type of insurance required to operate a vehicle in Florida legally is PIP, which has a minimum of $10,000.
Although there are plenty of options in terms of choosing basic policies, it is highly recommended you opt for a plan that is far above the required minimums. In an accident, there are plenty of expenses that you will face, and having thorough insurance ensures you don’t pay for anything out of your own pocket.
Benefits of Windhaven Auto Insurance Policies
Your insurance policy is more than general coverage for expenses related to an accident; it gives you peace of mind. You’ll want to take the advantages of a prospective insurance company into account before choosing to become a policyholder.
The most notable benefits of Windhaven Auto Insurance include:
- Online Services
There are an array of online services for you to take advantage of through their website. Compared to other insurance companies, you will appreciate how simple it is to navigate through the website and access your account details. You will also be able to submit claims online and receive an online quote, which makes the process far simpler.
- Mobile Application
Instead of using their website, there is also the opportunity to download the Windhaven Auto Insurance app on both iOS and Android devices. The app is free to use and includes features such as making payments, looking at your ID card, sending in pictures for your claims, and connecting to the local agent assigned to your policy.
- Affordable Policies
Choosing an insurance policy that is affordable for you and/or your whole family is ideal, especially if you’re on a tight budget. When you submit your information for a quote, you’ll notice that some of the more comprehensive policies are less expensive than what you would receive from a larger insurance company.
Overall, they’re a great alternative for drivers looking for a discount on insurance.
Cons of Windhaven Auto Insurance Policies
Unfortunately, customer feedback for Windhaven Auto Insurance is rather negative, regardless of where you look. They are not accredited by the Better Business Bureau, but they do have a rating of B+.
On various websites, you’ll notice some of the most common complaints from policyholders include:
- Poor Assessments
After an accident, you will need an adjuster to take a look at your vehicle. Many have noted that once the adjuster arrived, they missed several different damages to their vehicle, which rendered a far smaller payout than expected.
Some customers even found differences between thousands of dollars compared to quotes from their local body shops.
- Poor Customer Service
In the event that you have any questions pertaining to your claim, it can be difficult to get in contact with an insurance agent through Windhaven. This can be quite frustrating, especially if you have recently been in an accident.
Customers have noted this occurs both as a policyholder or as someone who has been in an accident with a Windhaven policyholder. In addition to it being difficult to get in touch with an insurance agent, wait times for their phone line can range up to 90 minutes.
- Confusing Fees and Payment Withdrawals
One of the most important things with Windhaven Auto Insurance is to read the fine print when you sign up for a policy. This will give you a clear indication of any fees you are responsible for paying as well as the payment schedule you have chosen to set up.
Customers have noted that the insurance company has an assortment of hidden fees that you will be required to pay in different circumstances, such as if you remove a vehicle from your policy.
Windhaven Auto Insurance Reviews: Final Thoughts
From a customer’s perspective, Windhaven Auto Insurance reviews are mostly negative. Though it is expected that insurance companies will not satisfy the needs of every driver, it is worrisome to see the number of negative experience policyholders have had.
Not only that, but the company only serves clients within Texas and Florida with no intention of spreading their services farther.
Overall, Windhaven Auto Insurance may be recommended for high-risk drivers or drivers looking for inexpensive insurance. Otherwise, you may want to compare quotes from other providers in your area.