Is Estrella Insurance Legit? A Comprehensive Analysis
Estrella Insurance, headquartered in South Florida, caters to both standard and non-standard drivers in the region..
The company provides insurance solutions for those who may face challenges in qualifying with other providers.
The company emphasizes bilingual support and offers affordable options for low liability coverage.
Company Background Information
Founded in 1980 in South Florida, Estrella Insurance provides affordable auto coverage in the Miami, Fort Lauderdale, and Hialeah areas, with over 45 locations in South Florida.
Nicolas Estrella founded the parent company, Star Casualty Insurance Company, in 1988.
Star Casualty operates in five states: Florida, Tennessee, Kentucky, Arkansas, and Georgia, with headquarters in Coral Gables, Florida.
A.M. Best awarded Star Casualty a B++ (Good) rating for financial stability, and the credit rating is “bbb.”
The outlook improved from negative to stable in the 2013 A.M. Best review.
Is Estrella Insurance Legit? Pros And Cons
Pros of Estrella Auto Insurance:
- Customizes products for the South Florida Market.
- Decent financial strength ratings from A.M. Best with a stable outlook.
Cons of Estrella Auto Insurance:
- Relatively unknown insurance company.
- Negative reviews of Star Casualty/Estrella.
What types of coverage does Estrella provide?
Estrella Insurance operates over 100 physical locations in six states across the U.S.: Arizona, California, Colorado, Florida, Nevada, and Texas.
If you reside in one of these states, Estrella Insurance offers three main types of coverage for your vehicle:
- Liability Coverage:
- Protects you in case you are at fault in an accident, providing coverage for injuries to passengers.
- Assists with repair expenses for another individual’s vehicle that your car may have damaged.
- Medical Coverage:
- Also known as medical expense coverage, it helps pay for your medical bills or those of a passenger injured in an accident.
- Provides support for recovering lost wages if you had to take time off work due to injuries.
- Property Coverage:
- Assists in covering repair costs resulting from an accident, whether it involves damage to a fence, another vehicle, or other property.
- Primarily addresses expenses related to damage to someone else’s property and may not cover damages to your own vehicle.
Estrella Insurance, available in six states with over 40 years of experience and partnerships with 30+ insurance companies, offers bilingual support.
While it has advantages, like availability in specific areas, potential customers may be deterred by uncertainties in the claims process.
If you prioritize flashy discounts and extensive coverage options, other competitors might be more appealing.
Whether you choose Estrella Insurance or not, understanding current market insurance rates is crucial.
Content Writer, Insurance Insights
Over 6 years in the insurance industry
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