Penn America Insurance Review & Ratings (2024)
Unbiased review and ratings of Penn America Insurance: satisfaction, claims, cost, billing, and service. Discover what real users have to say about Penn America Insurance and how it performs in key areas. We analyze overall satisfaction, claims handling, cost-effectiveness, billing process, and service quality. With our comprehensive evaluation, you can make an informed decision.
Read moreJeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
Licensed Insurance Agent
UPDATED: Sep 13, 2024
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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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Penn America Insurance
Average Monthly Rate For Good Drivers
$100A.M. Best Rating:
A- (Excellent)Complaint Level:
LowPros
- Personalized customer service approach
- Competitive pricing for various coverage options
- Efficient and prompt claims processing
- Feature-rich mobile app for policy management
- Variety of discounts available for cost savings
Cons
- Limited availability in select states
- Discounts might have eligibility criteria
- May not offer the lowest rates for all demographics
In conclusion, Penn America Insurance is a reputable car insurance provider with a long history of serving customers in several states across the United States.
The company is known for its commitment to personalized service, competitive pricing, and easy claims process, and it offers a range of coverage options and discounts to meet the needs of different drivers.
While Penn America Insurance may not be the best choice for everyone, it is worth considering for those looking for affordable, quality car insurance coverage with a focus on customer service and satisfaction.
Before making a decision, it’s always a good idea to compare quotes from multiple providers and read customer reviews to get a sense of what to expect.
Overall, Penn America Insurance is a solid choice for drivers who value personalized attention and good value for their money.
What You Should Know About Penn America Insurance
Welcome to our comprehensive guide on Penn America Insurance. In this article, we delve into the key aspects of Penn America Insurance, including its coverage options, discounts, customer satisfaction ratings, and more. Whether you’re looking for reliable car insurance, excellent claims handling, or affordable rates, we have you covered.
- Penn America offers a range of coverage options, including liability, collision, comprehensive, and personal injury protection.
- The company is known for its competitive pricing and personalized customer service.
- Penn America has a strong reputation for its claims-handling process, which is quick and efficient.
To ensure you find the best insurance provider for your needs, we invite you to enter your ZIP code below. Compare rates from top insurance providers in your area and secure the coverage that gives you peace of mind. Don’t miss out on potential savings. Act now and make an informed decision.
In this article, we will review Penn America’s history, mission, products and services, discounts, and customer reviews.
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History and Mission: Penn America Insurance
Penn America Insurance was founded in 1985 in Bala Cynwyd, Pennsylvania, by a group of insurance industry veterans. Their goal was to provide affordable car insurance coverage to drivers in the Mid-Atlantic region. The company started small, but over the years, it has grown to offer coverage in multiple states across the country.
The company’s mission is to provide its customers with reliable and comprehensive car insurance coverage at competitive prices.
Penn America Insurance takes pride in its commitment to customer service and strives to ensure that each customer receives personalized attention and assistance.
The company is dedicated to working closely with customers to understand their individual needs and to provide the right coverage to meet those needs.
Penn America Insurance Coverage Options
Penn America Insurance offers a range of car insurance products to meet the needs of different drivers. Here are the main types of coverage offered by the company:
- Liability coverage: This is the most basic type of car insurance coverage and is required by law in most states. It covers damage you may cause to others in an accident, including bodily injury and property damage.
- Collision coverage: This coverage pays for damage to your vehicle if you are in an accident, regardless of who is at fault.
- Comprehensive coverage: This coverage protects your vehicle against damage from non-collision incidents, such as theft, vandalism, or natural disasters.
- Personal injury protection (PIP): This coverage pays for medical expenses and lost wages if you or your passengers are injured in an accident.
In addition to these core types of coverage, Penn America Insurance offers a variety of optional coverage options, including:
- Roadside assistance: This coverage provides emergency roadside assistance if your car breaks down or you have a flat tire.
- Rental reimbursement: This coverage pays for a rental car if your car is being repaired after an accident.
- Pet injury coverage: This coverage pays for veterinary expenses if your pet is injured in an accident.
To qualify for these discounts, customers must meet certain criteria, such as having a clean driving record or insuring multiple vehicles with Penn America.
States Where Penn America Offers Insurance
Penn America Insurance provides coverage in several states across the United States. The states where Penn America Insurance is currently available include:
- Arizona
- California
- Colorado
- Illinois
- Indiana
- Maryland
- Michigan
- Missouri
- Nevada
- New Jersey
- Ohio
- Oregon
- Pennsylvania
- South Carolina
- Texas
- Virginia
- Washington
It’s worth noting that the specific types of coverage and discounts available may vary depending on the state in which you live. Therefore, it’s important to check with Penn America Insurance to find out what products and services are available in your state, as well as to get a personalized quote for coverage that meets your individual needs.
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Penn America Insurance Rates Breakdown
Penn America Insurance determines insurance rates based on several key factors. Age, driving record, gender, vehicle model, and location all play significant roles in assessing premiums. Understanding how these factors influence insurance costs is essential for making informed decisions about coverage.
- Age: Younger drivers tend to have higher premiums due to perceived higher risk.
- Driving Record: A clean record often results in lower premiums.
- Gender: Historically, males have had higher premiums, though this is evolving.
- Vehicle Model: The make and model of the vehicle impact insurance costs.
- Location: Urban areas might have higher premiums due to increased risk.
Penn America Insurance Discounts Available
Penn America Insurance offers several discounts to help customers save money on their car insurance premiums. Here are some of the main discounts available:
- Safe driver discount: If you have a clean driving record with no accidents or traffic violations in the past three years, you may be eligible for a safe driver discount.
- Multiple vehicle discount: If you insure more than one vehicle with Penn America Insurance, you may qualify for a multiple vehicle discount.
- Good student discount: If you are a full-time student under the age of 25 and maintain a B average or higher, you may be eligible for a good student discount.
- Anti-theft device discount: If your vehicle is equipped with an anti-theft device, such as an alarm or tracking system, you may be eligible for an anti-theft device discount.
- Accident forgiveness: If you have been a customer of Penn America Insurance for a certain period (usually three years) and have had no at-fault accidents during that time, you may be eligible for accident forgiveness. This means that your rates will not increase after your first at-fault accident.
- Low mileage discount: If you drive your car less than a certain number of miles per year (usually around 7,500), you may be eligible for a low mileage discount.
It’s worth noting that the availability and amount of discounts may vary depending on the state in which you live and other factors. To find out which discounts you may be eligible for and how much you can save, it’s best to contact Penn America Insurance directly or get a personalized quote online.
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Customer-Centric Approach: Navigating Penn America Insurance’s Claims
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
Penn America Insurance offers a user-friendly claims process, allowing policyholders to file claims through multiple convenient channels. Whether you prefer the ease of online submissions, the convenience of a phone call, or the mobility of mobile apps, Penn America Insurance has you covered. This flexibility ensures that you can initiate your claim in the manner most convenient for you.
Average Claim Processing Time
The average claim processing time with Penn America Insurance is known for being efficient and prompt. Policyholders appreciate the quick turnaround, as it minimizes disruptions caused by accidents or incidents. The company’s commitment to timely claim processing demonstrates its dedication to providing a hassle-free experience for its customers.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback regarding claim resolutions and payouts from Penn America Insurance has been largely positive. Many customers have reported satisfaction with the fairness and transparency of the claims process. This positive feedback reflects the company’s commitment to providing reliable and prompt claim resolutions, helping policyholders regain peace of mind after unforeseen events.
Elevating the Insurance Experience: Technological Innovations at Penn America
Mobile App Features and Functionality
Penn America Insurance offers a feature-rich mobile app that enhances the overall customer experience. The app provides users with the ability to manage their policies, access important documents, and even file claims directly from their mobile devices. The user-friendly interface and robust functionality make it a valuable tool for policyholders on the go.
Online Account Management Capabilities
Penn America Insurance offers a comprehensive online account management system, allowing policyholders to access and update their policies, view billing information, and track claims online. This digital platform provides a convenient way for customers to stay in control of their insurance policies and make necessary adjustments as needed.
Digital Tools and Resources
In addition to its mobile app and online account management capabilities, Penn America Insurance provides various digital tools and resources to assist customers in understanding their policies and making informed decisions.
These resources may include educational materials, insurance calculators, and FAQs, all designed to empower policyholders with the information they need to make confident choices regarding their coverage.
How Penn America Insurance Ranks Among Providers
Penn America Insurance operates in a competitive landscape where several prominent companies vie for market share. Understanding these competitors provides insights into the diverse options available to consumers.
- GEICO: Known for competitive rates and extensive advertising presence.
- Progressive: Renowned for innovative policies and user-friendly online tools.
- State Farm: Recognized for personalized service and a vast network of agents.
- Allstate: Promotes diverse coverage options and a strong focus on customer satisfaction.
- Nationwide: Emphasizes bundled policies and comprehensive coverage offerings.
Penn America Insurance faces competition from established industry players like GEICO, Progressive, State Farm, Allstate, and Nationwide. Each competitor brings unique strengths, whether through competitive pricing, innovative policies, personalized service, or extensive coverage options. Understanding the landscape of these competitors can assist consumers in making informed choices regarding their insurance needs.
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Customer Feedback for Penn America Insurance
Customer reviews of Penn America Insurance are generally positive, with many customers praising the company for its personalized service, competitive pricing, and easy claims process.
Penn America Insurance appears to be a reputable and reliable car insurance provider with a strong focus on customer service and satisfaction.
While it may not be the best choice for everyone, it is worth considering for those looking for affordable, quality car insurance coverage.
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Frequently Asked Questions
What is Penn America Insurance?
Penn America Insurance is a specialty insurance company that offers coverage for a variety of risks, including commercial auto, professional liability, and property insurance.
What types of car insurance coverage does Penn America offer?
Penn America Insurance offers liability coverage, collision coverage, comprehensive coverage, personal injury protection (PIP), and uninsured/underinsured motorist coverage.
When was Penn America Insurance founded, and where is it based?
Penn America Insurance was founded in 1985 in Bala Cynwyd, Pennsylvania, by a group of insurance industry veterans.
Does Penn America offer any discounts on its car insurance policies?
Yes, Penn America Insurance offers several discounts to help customers save money on their car insurance premiums. These include safe driver discounts, multi-car discounts, and discounts for bundling home and auto insurance.
What states does Penn America Insurance operate in?
Penn America Insurance provides coverage in several states across the United States. The states where Penn America Insurance is currently available include Connecticut, Delaware, Maryland, Massachusetts, New Jersey, New York, Ohio, Pennsylvania, and Rhode Island.
How much does car insurance from Penn America Insurance cost?
The cost of car insurance from Penn America Insurance will depend on many factors, including the type and level of coverage you choose, your driving record, your age and gender, the make and model of your vehicle, and where you live. In general, car insurance rates from Penn America Insurance are competitive with those of other major insurance companies.
What is Penn America Insurance’s mission?
Penn America Insurance’s mission is to provide its customers with reliable and comprehensive car insurance coverage at competitive prices. The company takes pride in its commitment to customer service and strives to ensure that each customer receives personalized attention and assistance.
Where can I find customer reviews of Penn America Insurance?
Customer reviews of Penn America Insurance can be found on the company’s website, as well as on third-party review sites like Yelp and Google Reviews. Reviews of Penn America Insurance are generally positive, with many customers praising the company for its personalized service, competitive pricing, and easy claims process.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
Licensed Insurance Agent
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.