Aspire Insurance Reviews: Unveiling Customer Experiences and Insights into Coverage Satisfaction

Aspire Insurance Reviews: What You Need to Know Before You Buy

If you are looking for car insurance in Arizona, California, or Michigan, you may have come across Aspire General Insurance.

Aspire is a non-standard auto insurer that specializes in providing coverage for high-risk drivers who may have trouble finding affordable rates elsewhere.

But is Aspire a good choice for your insurance needs? How does it compare to other companies in terms of customer service, pricing, and coverage options?

In this post, we will review Aspire Insurance and help you decide if it is worth considering.

Aspire Insurance Reviews
An image illustration of Aspire Insurance Logo
Photo Courtesy: hatchwise.com

 

What is Aspire Insurance?

Aspire General Insurance is a regional auto insurance company that was founded in 2015 and is based in Rancho Cucamonga, California. In addition to that, Aspire operates in three states: Arizona, California, and Michigan.

Aspire offers two levels of coverage: Savings and Advantage.

  • The Savings package is designed for basic coverage.
  • Advantage package offers higher liability limits and optional endorsements like towing and rental reimbursement.

Aspire also provides SR-22 filings for drivers who need to prove their financial responsibility after a DUI, an accident, or a traffic violation.

Not only that, but Aspire sells its policies through a network of local insurance brokers who are appointed to represent the company.

Furthermore, Aspire also offers bilingual service for Spanish-speaking customers and online tools for managing payments and claims.

 

Pros and Cons of Aspire Insurance
Courtesy: insuranceblob

 

How Much Does Aspire Insurance Cost?

The cost of Aspire Insurance will depend on several factors, such as your age, driving record, vehicle type, location, and coverage level.

Since Aspire caters to high-risk drivers, its rates may be higher than those of standard insurers.

However, Aspire also offers discounts for customers who meet certain criteria, such as:

  • Having a clean driving record for at least three years
  • Having multiple vehicles insured with Aspire
  • Paying the premium in full or using automatic payments
  • Completing a defensive driving course
  • Having a good student discount for drivers under 25 who maintain a B average or higher
Aspire Insurance
An image illustration of price/cost concept
Photo Courtesy: depositphotos.com

 

To get an accurate quote for Aspire Insurance, you will need to contact a local broker who can assess your situation and offer you the best deal.

 

Aspire Insurance Reviews and Ratings
An image illustration of Aspire Insurance Reviews and Ratings

 

Aspire Insurance Customer Reviews

Here are some of the mixed reactions customers had to say about Aspire Insurance:

“I have been with Aspire for over a year and I have never had a problem with them. They are always helpful and courteous when I call. They have low rates and flexible payment options. I would recommend them to anyone who needs high-risk insurance.” 

“This is the worst insurance company ever. They charged me twice for the same month and refused to refund me. They also denied my claim when I was hit by an uninsured driver. Furthermore, they have no customer service skills and they are rude and unprofessional. Stay away from this company.” 

customer reviews concept
An image illustration of customer reviews concept
Photo Courtesy: istockphoto.com

 

“Aspire is a scam. They canceled my policy without notice and kept charging me. They also increased my premium without telling me why. Not only that, but they never answer the phone or respond to emails. They are a nightmare to deal with. Do not waste your money on this company.” 

“I am very happy with Aspire. They gave me coverage when no one else would. They have bilingual agents who speak Spanish and English. Likewise, they also have online tools that make it easy to pay and file claims. They are a great company for high-risk drivers.” 

Based on the online reviews and ratings, it seems that Aspire Insurance has a low level of customer satisfaction.

 

What are the Coverage Options and Features of Aspire Insurance?

Aspire Insurance offers two levels of coverage: Savings and Advantage.

The Savings package is designed for basic coverage, while the Advantage package offers higher liability limits and optional endorsements.

Here are some of the coverage options and features that Aspire Insurance offers:

1. Liability coverage

This covers the medical and property damage expenses of the other party if you are at fault in an accident. Aspire offers liability limits up to $100,000 per person, $300,000 per accident, and $50,000 for property damage.

2. Uninsured/underinsured motorist coverage

This covers your medical and property damage expenses if you are hit by a driver who has no insurance or not enough insurance. Aspire offers uninsured/underinsured motorist limits up to $100,000 per person and $300,000 per accident.

3. Comprehensive and collision coverage

This covers your vehicle damage expenses if you are involved in a collision or if your vehicle is damaged by fire, theft, vandalism, or natural disasters. Aspire offers comprehensive and collision deductibles from $250 to $2,500.

4. Medical payments coverage

This covers your medical expenses if you or your passengers are injured in an accident, regardless of who is at fault. Aspire offers medical payments limits from $1,000 to $10,000 per person.

5. Personal injury protection (PIP) coverage

This covers your medical expenses, lost wages, and other related costs if you or your passengers are injured in an accident, regardless of who is at fault.

Aspire offers PIP coverage in Michigan, where it is mandatory, and in Arizona, where it is optional. Aspire offers PIP limits from $10,000 to $250,000 per person.

Aspire Reviews
An image of a woman reviewing coverage options
Photo Courtesy: insurance.gnewscar.com

 

6. Towing and labor coverage

This covers the cost of towing your vehicle to a repair shop or your home if it is disabled due to an accident or a mechanical breakdown.

Aspire offers towing and labor coverage as an optional endorsement for the Advantage package. Aspire offers towing and labor limits from $50 to $100 per occurrence.

7. Rental reimbursement coverage

This covers the cost of renting a vehicle while your vehicle is being repaired due to a covered loss. Aspire offers rental reimbursement coverage as an optional endorsement for the Advantage package.

Additionally, Aspire offers rental reimbursement limits from $25 to $50 per day, up to $750 per occurrence.

 

READ ALSO:

Spread the love

Leave a Comment