Golden Rule Insurance Review & Ratings (2024)
Find the best coverage at affordable rates. Discover what real users have to say about Golden Rule Insurance's overall satisfaction, claims process, cost, billing, and service. Compare quotes from top insurance providers and make an informed decision.
Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Commercial Lines Coverage Specialist
UPDATED: Sep 13, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Sep 13, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Golden Rule Insurance
Average Monthly Rate For Good Drivers
N/AA.M. Best Rating:
AComplaint Level:
LowPros
- Competitive rates
- Variety of plans to choose from
- Excellent customer service
- Strong financial stability
- Coverage for a wide range of Golden Rule medical services
Cons
- Limited availability in some states
- Not as comprehensive as some other plans
- No coverage for pre-existing conditions
- Some customers have reported long wait times for customer service
Golden Rule Auto Insurance is a car insurance company that offers coverage in a limited number of states. The Golden Rule company is a subsidiary of UnitedHealthcare and provides several coverage options, including liability, collision, and comprehensive coverage.
Golden Rule Insurance offers several discounts, including safe driver, multi-car, and good student discounts. However, the availability and amount of discounts may vary depending on the state and insurance policy.
Customers have reported that Golden Rule Insurance has competitive rates and good customer service. However, some customers have experienced issues with the claims handling process and have noted that the company offers limited coverage options.
Overall, Golden Rule Insurance could be an attractive option for individuals residing in the states where the company operates and seeking budget-friendly car insurance with commendable Golden Rule customer service.
What You Should Know About Golden Rule Insurance
Welcome to our comprehensive guide on Golden Rule Insurance. In this article, we delve into the various aspects of Golden Rule Insurance, including its coverage options, pricing, customer reviews, and more. Whether you’re looking for reliable auto, home, or life insurance, we’ve got you covered. Discover the benefits of Golden Rule Insurance and make an informed decision to protect your assets and loved ones.
To find the best rates and coverage tailored to your needs, simply enter your zip code and compare quotes from top insurance providers. Don’t miss out on securing the best insurance policy for your peace of mind.
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Golden Rule Insurance History and Mission
What is Golden Rule Insurance? It’s a subsidiary of UnitedHealthcare, specializing in health insurance, including individual and family plans, dental insurance, and supplemental health plans. Golden Rule Insurance was founded in 1947 in Indianapolis, Indiana, by a group of businessmen who wanted to provide quality insurance services to their community. In 2003, Golden Rule Insurance became a subsidiary of UnitedHealth Group, a leading healthcare company in the United States.
Today, Golden Rule Insurance operates in many states across the country, offering affordable and comprehensive car insurance coverage. The mission of Golden Rule Insurance is to provide their customers with high-quality insurance services that meet their unique needs.
They strive to offer personalized, efficient, and friendly service to ensure that their customers are satisfied with their coverage and experience with the company.
Golden Rule Insurance Coverage Options
Golden Rule Insurance coverage offers a range of options to their customers, including:
- Liability coverage: This coverage is required in most states and covers the cost of damages and injuries you cause to others in an accident.
- Collision coverage: This coverage helps pay for the cost of damages to your car in an accident, regardless of who is at fault.
- Comprehensive coverage: This coverage protects your car from damages caused by incidents like theft, vandalism, and natural disasters.
- Personal injury protection: Golden Rule medical insurance pays for medical expenses for you and your passengers in the event of an accident.
- Uninsured motorist coverage: This coverage helps protect you if you are involved in an accident with a driver who does not have insurance.
- Underinsured motorist coverage: This coverage helps protect you if you are involved in an accident with a driver who does not have enough insurance to cover the damages.
- Roadside assistance: This coverage provides assistance if your car breaks down or if you need a tow.
Customers can customize their coverage options to suit their unique needs and budget.
States Where Golden Rule Insurance is Available
Golden Rule Insurance is available in a limited number of states, as it is a subsidiary of UnitedHealthcare, a health insurance provider. Here are the states where Golden Rule Insurance is currently available:
- Alabama
- Arizona
- Arkansas
- Georgia
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Mississippi
- Missouri
- Nebraska
- Nevada
- North Carolina
- Ohio
- Oklahoma
- South Carolina
- Tennessee
- Texas
To locate the states where Golden Rule Insurance is available, you can follow these six steps:
- Go to the Golden Rule Insurance website.
- On the homepage, click on the “Get a Quote” button located in the top right-hand corner to obtain a Golden Rule Insurance quote.
- On the next page, you will be prompted to enter your ZIP code. Enter your ZIP code and click the “Start Quote” button.
- On the next page, you will be asked to provide some basic information about yourself and your car. Once you have provided this information, click the “Next” button.
- On the following page, you will be presented with the available coverage options and the cost of each option. Scroll down to the bottom of the page to see the states where Golden Rule Insurance is available.
- Alternatively, you can also check the list of states where Golden Rule Insurance is available in the “About Us” section of their website. Simply click on “About Us” on the top menu and select “States We Serve” from the dropdown menu.
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Golden Rule Insurance Rates Breakdown
The cost of Golden Rule Insurance varies depending on several factors, including the type of coverage you choose, the amount of coverage you need, your driving history, and the make and model of your car. Here are some of the factors that may affect the cost of your Golden Rule Insurance:
- Type of coverage: The more coverage you choose, the more you’ll pay for your insurance policy.
- Driving record: If you have a history of accidents or traffic violations, you may pay more for your insurance.
- Age and gender: Younger drivers and male drivers tend to pay more for car insurance.
- Location: Insurance rates can vary depending on where you live, as some areas have higher rates of accidents and theft.
- Vehicle make and model: The type of car you drive can also influence the cost of your insurance, as some cars are more expensive to repair or replace, impacting factors considered by Golden Rule auto repair.
Golden Rule Insurance Discounts Available
Golden Rule Insurance offers several discounts to their customers, including:
- Safe driver discount: Customers who have a good driving record and have not been involved in any accidents or received any tickets may qualify for a safe driver discount. The golden rule of safe driving is to always obey traffic laws, practice defensive driving techniques, and stay focused and alert while on the road.
- Multi-car discount: Customers who insure more than one car with Golden Rule Insurance can save money with a multi-car discount.
- Good student discount: Students who maintain good grades may be eligible for a discount on their car insurance.
- Defensive driving course discount: Customers who complete an approved defensive driving course can receive a discount on their insurance policy.
- Anti-theft device discount: Customers who have an anti-theft device installed in their car can receive a discount on their insurance.
- Bundle discount: Customers who bundle their car insurance with other policies, such as home or life insurance, can save money on their insurance premiums.
Golden Rule Insurance extends various discounts to customers, encompassing safe driving, multiple cars, academic excellence, defensive driving courses, anti-theft measures, and policy bundling. These discounts serve as incentives, rewarding responsible behavior and smart insurance choices while offering potential savings on your Golden Rule insurance premiums.
Developing a Clear Understanding of the Claims Protocol at Golden Rule Insurance
Ease of Filing a Claim
Golden Rule Insurance offers multiple convenient options for filing insurance claims. Policyholders can choose to file a claim online through their user-friendly website, over the phone through Golden Rule insurance contact number or even via their dedicated mobile app. This flexibility allows customers to select the method that suits them best, making the claims process more accessible and efficient.
Average Claim Processing Time
The speed at which insurance claims are processed can significantly impact a customer’s satisfaction. Golden Rule Insurance strives to provide prompt service when it comes to processing claims. However, specific processing times may vary depending on the complexity of the claim and other factors.
Policyholders are encouraged to reach out to the company for more information on the average claim processing time for their specific situation.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback plays a crucial role in assessing the performance of an insurance provider in handling claims. Golden Rule Insurance has received mixed reviews from customers regarding claim resolutions and payouts. Some customers have reported positive experiences, citing efficient and fair claim settlements.
On the other hand, there have been instances where customers expressed dissatisfaction with the resolution process. It’s important for potential policyholders to consider these varying experiences when evaluating Golden Rule Insurance’s claims handling.
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Golden Rule Insurance Digital and Technological Progress
Mobile App Features and Functionality
Golden Rule Insurance offers a mobile app with a range of features and functionality aimed at enhancing the customer experience. Policyholders can use the app to manage their policies, view and download important documents, make payments, and even file claims. The app’s user-friendly interface and accessibility make it a valuable tool for customers seeking convenience in managing their insurance needs.
Online Account Management Capabilities
In addition to their mobile app, Golden Rule Insurance provides robust online account management capabilities through their website. Policyholders can log in to their accounts to access policy details, review billing information, request changes to their coverage, and more. The online portal empowers customers to have greater control over their insurance policies, streamlining the management process.
Digital Tools and Resources
Golden Rule Insurance is committed to offering digital tools and resources to assist customers in making informed decisions about their insurance coverage. These tools may include online calculators for policy customization, educational articles, and FAQs to address common queries.
By providing these digital resources, Golden Rule Insurance aims to empower their customers with the knowledge they need to navigate the insurance landscape effectively.
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How Golden Rule Insurance Ranks Among Providers
Golden Rule Insurance operates in a competitive landscape alongside several notable companies vying for market share in the insurance industry. Understanding its competitors provides insight into the diverse options available to consumers seeking insurance coverage.
Main Competitors of Golden Rule Insurance:
- State Farm: Recognized for its extensive agent network and diverse insurance offerings, State Farm stands as a significant competitor to Golden Rule Insurance, providing various coverage options across the nation.
- Geico: Renowned for its online and direct-to-consumer approach, Geico competes by offering competitive rates, user-friendly digital services, and a wide array of insurance products.
- Progressive: Known for its innovative marketing strategies, competitive pricing, and user-friendly online tools, Progressive competes directly with Golden Rule Insurance, especially in the auto insurance sector.
- Allstate: With a strong brand presence and diverse coverage options, Allstate competes by offering personalized service, various insurance products, and a wide network of agents across the country.
Golden Rule Insurance navigates a competitive landscape, contending with industry giants like State Farm, Geico, Progressive, and Allstate. Each competitor brings distinct strengths and strategies, providing consumers with a range of options in the insurance market. Understanding these competitors aids in making informed decisions when selecting insurance coverage.
Golden Rule Insurance Customer Reviews
Golden Rule Insurance Company reviews reflect a spectrum of customer opinions. Here’s an overview of the sentiments expressed by clients:
Strengths:
- Competitive rates: Many customers are pleased with the rates offered by Golden Rule Insurance, stating that they are affordable and competitive.
- Customer service: Some customers have commended the company’s customer service, highlighting that representatives are supportive and quick to respond when contacted through the Golden Rule customer service number.
Weaknesses:
- Claims handling: Some customers have had issues with the claims handling process, checking of Golden Rule claim status, citing delays and difficulties in getting their claims resolved.
- Limited coverage options: Some customers have noted that Golden Rule provider offers limited coverage options compared to other insurance providers.
- Billing issues: A few customers have reported issues with billing and payments, such as being charged incorrect amounts or experiencing difficulty setting up automatic payments.
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Frequently Asked Questions
Who is Golden Rule insurance company?
Golden Rule Insurance Company is a subsidiary of UnitedHealthcare and specializes in offering health insurance products, primarily in the individual and family market. They provide a range of health insurance plans, including short-term health insurance, dental insurance, and supplemental Golden Rule health plans.
What types of health insurance plans does Golden Rule offer?
Golden Rule insurance plans offers a variety of health plans, including short-term health insurance, health savings account (HSA) compatible plans, and traditional health insurance plans.
How can I get a quote for a Golden Rule health insurance plan?
You can get a quote for the Golden Rule health insurance plans by visiting the company’s website or by calling their Golden Rule Insurance customer service line.
How does Golden Rule’s customer service compare to other health insurance providers?
Golden Rule’s customer service is generally considered to be good, with helpful representatives and quick response times. However, as with any health insurance provider, there may be occasional issues with customer service.
How can I contact Golden Rule Insurance Company customer service
You can contact Golden Rule Insurance Company customer service by phone, email, or mail. For phone inquiries, you can reach out the Golden Rule insurance company customer service number, which is typically provided on their website or in your policy documents.
How does Golden Rule’s pricing compare to other health insurance providers?
Golden Rule’s pricing varies depending on the Golden Rule insurance plan chosen, as well as factors such as the individual’s health status, age, and location. In general, the company’s prices are competitive with other health insurance providers.
Does Golden Rule offer coverage for pre-existing conditions?
Golden Rule may offer coverage for pre-existing conditions in some cases, but this varies depending on the individual’s health status and the specific plan they choose.
How can I find out more about Golden Rule’s health insurance reviews and ratings?
You can find out more about Golden Rule health insurance reviews and ratings and by visiting their website or by researching the company on independent insurance review websites.
What are UnitedHealthcare Golden Rule reviews and ratings?
UnitedHealthcare Golden Rule ratings and reviews are assessments and feedback provided by customers who have utilized UnitedHealthcare’s Golden Rule insurance plans. You can typically find Golden Rule reviews on various platforms, including consumer review websites, social media platforms, and the company’s official website at www.goldenrule.com.
Is Golden Rule insurance legit?
Yes, Golden Rule Insurance Company is a legitimate insurance provider. Golden Rule Insurance Company operates in several states across the United States and is known for its customer service and flexible coverage options.
What is the claims address for Golden Rule Insurance?
Golden Rule Insurance address varies depending on your location and the specific branch you’re dealing with. To find the address for a particular office or to contact Golden Rule Insurance, you can visit their official website or call their customer service line.
What is the Golden Rule Life Insurance company phone number?
The phone number for Golden Rule Life Insurance Company may vary depending on your location and the specific department you need to reach. To obtain the correct phone number, it’s recommended to refer to your policy documents, visit their official website, or contact their parent company, UnitedHealthcare, for assistance.
How do I cancel Golden Rule Insurance policy?
To cancel your Golden Rule Insurance policy, you need to contact the company directly. You can find the Golden Rule Insurance company phone number on your policy documents or visit their official website for assistance.
What is Golden Rule Short-Term Insurance?
Golden Rule Short-Term Insurance refers to temporary health insurance coverage provided by Golden Rule Insurance Company.
How do I find the Golden Rule provider phone number for claims?
To file claims, providers can locate the Golden Rule Insurance provider phone number for claims by referring to the patient’s insurance card or accessing the provider portal.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Commercial Lines Coverage Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.