Aspire Car Insurance Review & Ratings (2024)

Aspire provides affordable auto insurance for high-risk drivers. Standard coverages are limited, but you can add optional insurance for an added fee. Additionally, you can combine various discounts to create further savings.

Learning about Aspire Insurance will help you decide if it’s the right car insurance company for you.

Now that you know about Aspire Insurance, enter your ZIP code to find free auto insurance rates in your area.

What You Should Know About Aspire Car Insurance

Welcome to our comprehensive guide on Aspire Car Insurance and the key topics surrounding it. Whether you’re a high-risk driver seeking affordable rates, interested in coverage options, or looking for potential savings, this article has got you covered. We’ll delve into the ratings, coverage tiers, optional add-ons, and discounts offered by Aspire Car Insurance.

• Aspire Insurance provides auto coverage for high-risk drivers
• Aspire Insurance offers limited coverage options
• Aspire Insurance has been rated a B+ by A.M. Best

To ensure you make an informed decision, we’ve gathered all the essential information you need. Ready to find the best insurance rates in your area? Enter your ZIP code now and compare quotes from top insurance providers. Take control of your insurance needs with Aspire Car Insurance and secure the coverage that suits you best.

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Aspire Car Insurance Coverage Options

As previously mentioned, Aspire Insurance primarily provides coverage for high-risk drivers that can’t afford coverage from other companies. Therefore, the standard coverage options are limited to create a more affordable policy.

The company currently offers two coverage tiers. The Savings tier is cheaper but offers less coverage. Meanwhile, the Advantage tier provides higher levels of coverage and more endorsement options. This tier also has higher rates.

Both tiers provided by Aspire have standard coverages and optional add-ons. The following are the common coverages offered by Aspire Insurance.

• Bodily liability: Pays for medical bills if someone else suffers an injury in an accident caused by you.
• Property damage liability: Covers the cost of any property damage you’ve caused in an accident.
• Collision: Covers damage to your car after an accident.
• Comprehensive: Covers damage to your vehicle when you’re not driving.

Customers can add the following optional coverages to a policy for an additional fee.

Which vehicles does Aspire Insurance not cover?

Aspire insurance covers most high-risk drivers, regardless of their driving history or credit rating. However, the company wants customers to limit their claim risk as much as possible. To achieve this, the company won’t cover certain vehicles.

The following are cars that Aspire will refuse to cover.

• New vehicles worth more than $50,000
• Cars not stored in garages
• Vehicles without an etched VIN of an approved anti-theft device

In most cases, high-risk drivers won’t have cars worth over $50,000, and most legal vehicles today have an etched VIN. So the only thing that most drivers will need to worry about is storing their car in a garage.

• Uninsured/underinsured motorist: Covers the costs if you’re in an accident caused by a driver will little or no car insurance
• SR-22: Alerts the state that the driver in question has the requisite amount of insurance as required by law.
• Collision deductible waiver: Waives accident deductible for an uninsured driver.
• Permissive use endorsement: Allows a family member or friend unlisted on the policy to drive the covered car.
• Named non-owner coverage add-on: Liability coverage for non-car owners.

Aspire also offers roadside assistance for an additional $5 per month. Customers that choose to add this service will have access to roadside help that includes:

• Towing
• Battery service
• Flat tire repair

Adding any add-ons or roadside assistance will increase your Aspire car insurance quotes.

Aspire Car Insurance Rates Breakdown

Aspire insurance covers most high-risk drivers, regardless of their driving history or credit rating. However, the company wants customers to limit their claim risk as much as possible. To achieve this, the company won’t cover certain vehicles.

The following are cars that Aspire will refuse to cover.

• New vehicles worth more than $50,000
• Cars not stored in garages
• Vehicles without an etched VIN of an approved anti-theft device

In most cases, high-risk drivers won’t have cars worth over $50,000, and most legal vehicles today have an etched VIN. So the only thing that most drivers will need to worry about is storing their car in a garage.

Aspire Car Insurance Discounts Available

The best way to save on car insurance is to compare quotes and combine multiple discounts. Most insurance companies provide various discounts that can help you lower your rates. These discounts depend on your driving habits, vehicle, and lifestyle.

Aspire insurance provides several discounts that customers can use to lower their rates. The following table shows the Aspire car insurance company discounts.

Aspire Insurance Auto Discounts

Car Discount	Discount Eligibility
Alcohol education awareness	Complete a state-approved alcohol awareness program.
Anti-lock brakes	Cars with factory-installed anti-lock brakes.
Anti-theft device	Cars include anti-theft devices, like alarms, tracking systems, and kill switches.
Daytime running lights	Cars include daytime running lights that turn on when the engine is running.
Defensive driver	Completed approved defensive driving course.
Good driver	Maintain a clean driving record for the past three years.
Mature driver	Drivers who are 55 years old or older and have completed an approved driver safety course.
Multi-driver	Insure additional family members living in the same household.
Multi-vehicle	Insure more than one car on a single auto insurance policy.

When inquiring about car insurance rates, ask about available discounts that fit you.

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How is Aspire Insurance rated?

Credit rating agencies review and rate auto insurance companies based on financial strength. These ratings determine the company’s likelihood to provide a payout when you file a claim.

Aspire Insurance has been rated a B+ by A.M. Best. This rating is considered good and indicates that the company will usually provide a payout. However, the rating is lower on the company’s scale.

The Better Business Bureau (BBB) rates insurance companies on business practices and complaints. The BBB has rated Aspire Insurance a B+.

Does Aspire Insurance have any complaints?

The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) allow insurance customers to make complaints on their websites. Both organizations have completed Aspire Insurance reviews.

At the time of this review, the BBB has received nine complaints about Aspire Insurance over the past three years. These complaints have been about billing and services from the company.

According to the NAIC, Aspire Insurance has a 4.45 complaint index ratio. This number indicates that the company has far more complaints than a competitor of a similar size.

How can you make Aspire Insurance payments?

Aspire Insurance provides multiple ways to make payments. You can complete an Aspire Insurance payment with the following methods:

• Automatic online payment
• Credit card
• Electronic check
• Online payment

When you buy Aspire car insurance, asking for more information on these payment options will help you make the best choice. To find these answers, you can call the Aspire Insurance customer service number at 1-877-789-4742.

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Effortless Claims Handling With Aspire Car Insurance

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Aspire Car Insurance understands the importance of a seamless claims process for its customers. Whether you’ve been involved in an accident or need to file a claim for any other reason, Aspire offers multiple convenient options.

You can file a claim through their user-friendly website, over the phone, or even through their mobile app. This flexibility ensures that you can choose the method that best suits your needs and preferences.

Average Claim Processing Time

One of the critical aspects of an insurance company’s performance is how quickly they process claims. Aspire Car Insurance is committed to providing prompt service to its policyholders. While specific processing times may vary depending on the complexity of the claim, Aspire strives to efficiently handle claims to ensure that you receive the support you need when you need it most.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is invaluable when evaluating an insurance company. Aspire Car Insurance aims to provide fair and satisfactory claim resolutions and payouts to its customers.

To get a better understanding of their track record, it’s essential to consider the experiences of policyholders. Customer feedback and reviews can provide valuable insights into the company’s performance in this regard, helping you make an informed decision.

Exploring Aspire Car Insurance Digital and Technological Innovations

Mobile App Features and Functionality

Aspire Car Insurance recognizes the importance of staying connected with their policyholders. Their mobile app offers a range of features and functionalities designed to enhance your insurance experience. Whether you want to access policy information, make payments, or file a claim on the go, the app provides a user-friendly platform for all your insurance needs.

Online Account Management Capabilities

Managing your insurance policy should be simple and convenient, and Aspire Car Insurance makes it possible through their online account management capabilities. Policyholders can log in to their accounts from any device with an internet connection. This digital portal allows you to view and update policy details, access important documents, and stay informed about your coverage.

Digital Tools and Resources

In today’s digital age, having access to useful tools and resources can make a significant difference in managing your insurance. Aspire Car Insurance provides a range of digital tools and resources to assist their customers. These resources may include educational materials, calculators, and other online resources to help you make informed decisions about your coverage and insurance needs.

How Aspire Car Insurance Ranks Among Providers

Aspire Car Insurance primarily targets high-risk drivers, offering coverage that may be more affordable for individuals facing challenges in obtaining insurance from other companies. Let’s assess how Aspire stacks up against other insurance providers.

• Progressive: Known for competitive rates and a wide range of coverage options.
• Geico: Offers affordable rates and various discounts for drivers.
• State Farm: Known for personalized service and a vast network of agents.

Aspire Car Insurance stands out for its focus on affordability for high-risk drivers. However, it faces challenges in terms of limited coverage options and customer complaints. Competitors like Progressive, Geico, and State Farm offer a broader range of services and may have a more established reputation.

Potential customers should weigh the specific needs of high-risk drivers against the limitations in coverage options and customer feedback when considering Aspire Car Insurance.

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