Is Nsure Insurance Legit: Coverage, Cost, Pros and cons,Claims

Nsure is a new car insurance company that claims to offer personalized rates based on your driving habits.

But is Nsure insurance legit? How does it work, and what are the pros and cons of using it?

In this article, we will answer these questions and more, based on the latest information and reviews available in 2023.

How does Nsure work?

Nsure is a usage-based insurance company that uses a smartphone app to track your driving behavior and mileage.

Your monthly premium consists of two parts: a fixed rate and a variable rate.

The fixed rate is based on factors like your age, location, vehicle, and credit score.

The variable rate changes every month depending on how you drive.

The app measures your mileage, smoothness, focus, road choice, and time of day.

The better you drive, the lower your variable rate will be.

Is Nsure insurance legit?

Yes, Nsure is a legit insurance company that is licensed and regulated by the state authorities where it operates.

Nsure is also backed by USAA, a well-known and reputable insurance company that serves military members and their families.

The Nsure is currently available in 10 states: Arizona, Colorado, Illinois, Louisiana, Maryland, New Mexico, Ohio, Pennsylvania, Texas, and Virginia.

Nsure car insurance coverage options

Nsure offers the basic car insurance coverage options that are required or optional in most states. These include:

• Bodily injury liability: Covers medical expenses for other people if you cause an accident.
• Property damage liability: Covers repair costs for other people’s property if you cause an accident.
• Uninsured/underinsured motorist: Covers your medical and repair costs if you are hit by a driver who has no or insufficient insurance.
• Medical payments: Covers your medical bills if you are injured in an accident, regardless of who is at fault. (Only available in some states)
• Personal injury protection: Covers your medical bills, lost wages, and other expenses if you are injured in an accident, regardless of who is at fault. (Only available in some states)
• Comprehensive: Covers your car if it is damaged by something other than a collision, such as theft, vandalism, fire, or natural disasters.
• Collision: Covers your car if it is damaged in a collision or rollover.
• Rental car: Covers the cost of a rental car if you need one due to a covered loss.
• Roadside assistance: Covers the cost of towing, jump-starting, tire changing, lockout service, and fuel delivery if you have a breakdown.

How much does auto insurance from Nsure cost?

The cost of auto insurance from Nsure varies depending on your fixed and variable rates.

The fixed rate is determined by your personal and vehicle information, while the variable rate is determined by your driving behavior and mileage.

According to Nsure, the average monthly cost for a policy is $171. However, this may not reflect your actual rate, as it depends on your individual factors and driving habits.

The best way to find out how much Nsure will cost you is to get a quote online or take a test drive with the app.

Pros and cons of Nsure car insurance

Nsure car insurance has some advantages and disadvantages that you should consider before signing up. Here are some of the main pros and cons of Nsure:

Pros:

• You can save money by driving safely and less frequently.
• You can see your driving score and potential savings in real-time on the app.
• You can get roadside assistance and a referral bonus with every policy.
• You can support a new and innovative insurance company that is backed by USAA.

Cons:

• You may pay more if you have poor driving habits or drive a lot.
• You may have privacy and battery issues with the app tracking your location and motion.
• You may have limited coverage and discount options compared to other companies.
• You may have trouble with customer service, claims, and price changes.

Nsure car insurance discounts

Nsure does not offer many car insurance discounts to its customers.

Instead, it offers Nsure Rewards, which are discounts on the variable part of your premium based on your driving habits.

However, Nsure does not provide much detail on how much you can save with Nsure Rewards. The only other discounts that Nsure offers are:

• New customer discount: You get a discount when you first sign up with Nsure.
• Pay-in-full discount: You get a discount if you pay the fixed part of your premium in advance.
• Renewal discount: You get a discount if you renew your policy after a six-month term.
• Referral program: You get a $25 Amazon gift card for each new customer you refer to Nsure.

Nsure insurance claims

Nsure insurance claims are handled through the app or the website.

You can report an accident, upload photos and documents, and track the status of your claim online.

Nsure claims to have a fast and easy claims process, and to pay the claims within 10 days.

However, some customers have complained about delays, denials, and low settlements from Nsure.

Nsure also has a high rate of complaints about claims handling from the National Association of Insurance Commissioners.

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FAQs

What are the benefits of using Nsure Insurance?

There are several benefits to using Nsure Insurance, including:

• Affordable rates: Nsure Insurance offers competitive rates on its home and auto insurance policies.
• Variety of coverage options: Nsure Insurance offers a variety of coverage options to choose from, so you can find the coverage that is right for you.
• Discounts: Nsure Insurance offers a variety of discounts, such as a discount for bundling your policies and a discount for good drivers.
• Good customer service: Nsure Insurance has a reputation for providing good customer service.

What are the benefits of using Nsure Insurance?

There are several benefits to using Nsure Insurance, including:

• Affordable rates: Nsure Insurance offers competitive rates on its home and auto insurance policies.
• Variety of coverage options: Nsure Insurance offers a variety of coverage options to choose from, so you can find the coverage that is right for you.
• Discounts: Nsure Insurance offers a variety of discounts, such as a discount for bundling your policies and a discount for good drivers.
• Good customer service: Nsure Insurance has a reputation for providing good customer service.

What is Nsure Insurance’s financial stability?

Nsure Insurance is a privately held company and does not release its financial statements publicly. However, it has an A+ rating from the Better Business Bureau (BBB), which indicates that it has a good track record of resolving customer complaints.

What are Nsure Insurance’s customer satisfaction ratings?

Nsure Insurance has a customer satisfaction rating of 4.7 out of 5 stars on the Better Business Bureau (BBB). Customers generally report that they are satisfied with the company’s rates, coverage options, and customer service.

Is Nsure Insurance right for me?

Whether or not Nsure Insurance is right for you depends on your individual needs and budget. If you are looking for affordable rates and a variety of coverage options, Nsure Insurance is a good option to consider. However, if you are looking for a company with a lot of experience or that is available in all states, you may want to consider other companies.