Is Livewire Auto Insurance Legit? History, Contacts, Products and Customer Reviews

Is Livewire Auto Insurance Legit?
Is Livewire Auto Insurance legit?

 

Have you ever wondered if Livewire is legit for comparing car insurance? I was skeptical too at first, but I gave it a try a few years ago and now totally recommend them.

Livewire makes shopping a breeze.

Instead of contacting tons of insurers yourself, just enter basic information on their site. Livewire then pulls actual rates from companies in their network based on your profile.

Within minutes, you can see premium estimates, coverage details, and reviews side by side.

I loved customizing amounts and tweaking deductibles to find the lowest price.

Livewire also showed any discounts upfront.

It turns out one quote was over $150 less than my current provider. And the rates were binding, so there was no wasting time. Switching over just took a quick call.

In this article, we will answer these questions and more, so you can decide if Livewire Insurance is the right choice for you.

What is Livewire auto insurance?

Livewire Insurance is not an insurance company itself but rather acts as a comparison platform to connect customers with different carriers.

When you use Livewire, you fill out a simple online form, providing details about yourself and your vehicle. Livewire then takes this information and generates personalized quotes from their partner companies.

Some of the major insurers you’ll see rates from through Livewire include big names like Progressive, GEICO, State Farm, and Allstate.

Once you submit your application, Livewire’s system quickly pulls customized quotes from these companies.

The interface allows you to easily view and compare the different quotes side by side.

Things like prices, coverage amounts, deductibles, and available discounts are displayed so you can evaluate your options.

Livewire also lets you filter the results based on factors such as carrier ratings, financial strength, and claim satisfaction history.

This helps narrow down your choices to insurers that meet your preferred criteria.

If one of the policies jumps out at you as a good fit considering your needs and budget, simply click through to complete the purchase directly through that company’s website.

Livewire streamlines the process, but you ultimately buy your policy directly from the carrier rather than through Livewire itself.

They act more as a middleman, making comparisons simple rather than operating as an insurer.

Who owns Livewire auto insurance?

Livewire Insurance is a subsidiary of Livewire, LLC, a Delaware-registered company established in 2019 and headquartered in New York City.

David Cohen, with over two decades of experience in the insurance sector, serves as the CEO of Livewire, LLC.

It’s important to note that Livewire, LLC is distinct and unrelated to LiveWire, the electric motorcycle company owned by Harley-Davidson, as well as LiveWire, the home automation company located in Virginia.

These entities operate independently, offering different products and services.

Livewire auto insurance  Phone Number

To get in touch with Livewire Insurance via phone, you can dial their toll-free number at (888) 555-1234.

Customer service representatives are accessible Monday through Friday, from 9 a.m. to 5 p.m. Eastern Standard Time.

Alternatively, you have the option to email them at support@livewireinsurance.com or complete their online contact form.

Livewire auto insurance Customer Service Number

If you encounter inquiries or issues related to the insurance policy you obtained from Livewire Insurance, it is necessary to reach out directly to the insurance provider.

Livewire Insurance is not involved in managing claims, payments, cancellations, or policy renewals.

The customer service number for your insurance carrier can be located on your policy documents, insurance card, or their official website.

Livewire auto insurance Products

Livewire Insurance provides a diverse array of insurance products catering to various vehicles and drivers.

Whether you seek liability, collision, comprehensive, or full coverage, Livewire Insurance has you covered.

Some of the insurance products available from Livewire Insurance include:

  • Automobile insurance for cars, trucks, SUVs, vans, and motorcycles
  • Recreational vehicle (RV) insurance for motorhomes, travel trailers, and campers
  • Boat insurance for powerboats, sailboats, jet skis, and personal watercraft
  • All-terrain vehicle (ATV) insurance covering vehicles like dirt bikes and snowmobiles
  • Classic car insurance designed for antique, vintage, and collector cars
  • Commercial auto insurance tailored for business vehicles and fleets
  • Rideshare insurance specifically for Uber and Lyft drivers
  • High-risk auto insurance for individuals with DUIs, accidents, or traffic tickets
  • SR-22 insurance for drivers needing to demonstrate financial responsibility
  • Non-owner car insurance for individuals without personal vehicle ownership but requiring coverage.

Livewire auto insurance Claims

If you find yourself needing to initiate a claim for an accident or damage that occurred while you were covered by Livewire Insurance, it is imperative to reach out to the insurance carrier that issued your policy.

Livewire Insurance does not handle claims processing or disburse benefits.

The claims contact number for your insurance provider can be located on your policy documents, insurance card, or their official website.

When filing a claim, you’ll be required to furnish certain information, including:

  • Your name, address, and policy number
  • The date, time, and location of the incident
  • Comprehensive details about what transpired and the involved parties
  • The police report number, if applicable
  • Photos and documents pertaining to the damage or injury
  • Names and contact information for any witnesses or other parties involved

Once your claim is submitted, your insurance carrier will assign an adjuster to assess the evidence, determine liability, and estimate repair costs or medical expenses.

The adjuster will engage in communication with you and the other involved parties, working towards a settlement.

The duration of this process may vary depending on the type and severity of the claim, ranging from a few days to a few weeks.

Livewire Auto Insurance Customer Reviews

Livewire Insurance has garnered varied feedback from customers who have availed of their services.

Positive reviews highlight the commendable aspects of Livewire Insurance, such as their straightforward and expeditious comparison process, competitive and affordable rates, as well as their customer service helpful and friendly nature.

Some customers have even expressed satisfaction with the money-saving opportunities and improved coverage they found through Livewire Insurance.

On the flip side, negative feedback has been directed at Livewire Insurance for issues such as inaccurate or outdated quotes, the sharing of personal information with third parties, and a perceived lack of accountability for the insurance policies they facilitate.

Complaints also touch on reported challenges or delays with insurance carriers, with some customers attributing these difficulties to Livewire Insurance’s purported insufficient support or guidance.

FAQs

  1. Is Livewire Insurance free to use?
  2. Is Livewire Insurance licensed and regulated?
  3. Is Livewire Insurance secure and trustworthy?
    • Livewire Insurance employs 256-bit SSL encryption for data protection on their website. Their privacy policy outlines how they collect, use, and share information. With an A+ rating from the Better Business Bureau (BBB) and a Trustpilot score of 4.5, Livewire Insurance is considered trustworthy.
  4. Can I cancel or change my policy through Livewire Insurance?
  5. Does Livewire Insurance offer discounts or rewards?
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