Electric Insurance Review & Ratings (2024)

Explore the extensive range of comprehensive insurance solutions offered by Electric Insurance. Whether you're seeking coverage for your home, auto, or valuable possessions, Electric Insurance has you covered. Dive into the world of reliable and tailored insurance options designed to protect your assets and provide peace of mind. Discover the flexibility and customization available to meet your unique needs and preferences.

UPDATED: Nov 27, 2023Fact Checked

Laura Berry

Former Licensed Insurance Producer

Laura Berry has experience as a licensed producer selling life, health, and property insurance coverage for both Allstate and State Farm. She has dedicated many hours to helping her clients understand the insurance marketplace so they could find the best car, home, and life insurance products for their circumstances. While she currently helps businesses take advantage of the federal R&D tax...

Former Licensed Insurance Producer

Heidi Mertlich

Licensed Insurance Agent

Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the ...

Licensed Insurance Agent

UPDATED: Nov 27, 2023

Advertiser Disclosure

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: Nov 27, 2023

Advertiser Disclosure

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.

UPDATED: Nov 27, 2023Fact Checked
3.8
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Electric Insurance

Average monthly rate for good drivers:

$100

A.M. Best rating:

A

Complaint level:

Low

Pros

  • Customizable policies
  • Competitive rates
  • Excellent customer service
  • Diverse coverage options
  • Fast and easy claims process

Cons

  • Limited availability
  • Strict eligibility criteria
  • Digital experience
  • Limited discounts
  • Innovation pace

Final Verdict: Review of Electric Insurance

In conclusion, Electric Insurance is a reputable car insurance company that offers a range of insurance products and services to customers in most states in the United States. The company has a strong commitment to providing its customers with high-quality insurance coverage at competitive prices.

Some of the key features of Electric Insurance include a wide range of insurance products, including auto insurance, home insurance, and personal liability insurance, a team of experienced insurance professionals, and a variety of discounts available to policyholders.

If you are considering purchasing insurance from Electric Insurance, it may be helpful to compare quotes, read customer reviews, and speak with a representative directly to determine if the company is the right fit for your insurance needs.

What You Should Know About Electric Insurance Company

Address: 75 Sam Fonzo Drive
City: Beverly
State: MA
ZIP Code: 01915
Phone Number: (800) 227-2757
Fax: (978) 236-5002

Website: electricinsurance.com

Welcome to our comprehensive review and ratings of Electric Insurance. In this comprehensive article, we’ll explore all the vital aspects of Electric Insurance, including their coverage options, customer satisfaction, and financial stability. Whether you need auto, home, or any other type of insurance, we’ll examine it all.

To ensure you find the best rates from the top insurance providers in your area, we invite you to enter your zip code below. Don’t delay in protecting your assets and achieving peace of mind. Take control of your insurance journey with Electric Insurance and discover the comprehensive solutions that will safeguard what matters most to you.

Overview of Electric Insurance

Electric Insurance is a well-established insurance company founded in 2000 with a mission to provide innovative insurance solutions and personalized customer service to its customers.

  • Established in 2000
  • Mission to provide innovative insurance solutions and personalized customer service
  • Offers a range of insurance products, including auto, home, and personal liability insurance

With a focus on technology and a commitment to customer satisfaction, Electric Insurance has become a popular choice for those in need of insurance coverage.

Electric Insurance History and Mission

The history of Electric Insurance dates back to 2000 when the company was established to provide innovative insurance solutions and personalized customer service to its customers. Over the years, the company has been committed to providing high-quality insurance products and services to meet the needs of its customers.

Electric Insurance’s mission is to provide its customers with innovative insurance solutions and personalized customer service. The company values its customers and strives to be the first choice for its insurance needs.

To achieve its mission, Electric Insurance offers a range of insurance products, including auto, home, and personal liability insurance, and provides expert customer service.

The company is committed to using technology to make the insurance process easier and more convenient for its customers and to provide them with the coverage they need at a price they can afford.

Electric Insurance Company Insurance Coverage Options

lectric Insurance offers a range of insurance products to meet the needs of its customers, including:

  • Auto insurance: Electric Insurance provides coverage for cars, trucks, motorcycles, and other vehicles. Policyholders can choose from a variety of coverage options, including liability, collision, and comprehensive coverage, to ensure that their vehicles are properly protected.
  • Home insurance: Electric Insurance offers home insurance coverage to protect customers’ homes and personal property. Policyholders can choose from a variety of coverage options, including liability, property damage, and personal property coverage.
  • Personal liability insurance: Electric Insurance provides personal liability insurance coverage to protect policyholders against financial losses related to personal liability claims. This type of coverage is designed to protect against claims related to personal injury or property damage.

In addition to these core insurance products, Electric Insurance also offers a range of additional services to help its customers stay protected, including coverage for boat and recreational vehicles, umbrella insurance, and identity theft protection.

States Where Electric Insurance Offers Coverage

Electric Insurance operates in all states except for Alaska, Hawaii, and New York. This means that customers in most states in the United States can take advantage of the company’s insurance products and services.

The company offers a range of insurance products, including auto insurance, home insurance, and personal liability insurance, designed to meet the needs of its customers.

Customers in states where Electric Insurance operates can compare quotes and purchase insurance coverage online, or they can speak with a representative directly to learn more about the company’s insurance products and services.

If you are looking for insurance coverage and live in a state where Electric Insurance operates, it may be worth considering the company as an option.

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Electric Insurance Company Insurance Rates Breakdown

The cost of insurance from Electric Insurance varies depending on several factors, including the type of coverage selected, the location of the customer, the customer’s driving record, the make and model of the vehicle, and other factors.

Similarly, the cost of home insurance from Electric Insurance may vary based on factors such as the location of the home, the type of coverage selected, and the value of the home and personal property.

The cost of personal liability insurance from Electric Insurance may vary based on factors such as the amount of coverage selected and the location of the customer. Policyholders who are considered higher risks, such as those who engage in high-risk activities, may be charged higher insurance rates.

In general, the cost of insurance from Electric Insurance is competitive with other insurance companies, and the company offers a range of discounts to help its customers save on their insurance costs.

Policyholders can also take advantage of bundling discounts by purchasing multiple types of insurance coverage from Electric Insurance.

Electric Insurance Company Discounts Available

Electric Insurance offers a range of discounts to help its customers save on their insurance costs. Some of the discounts available to policyholders include:

  • Multi-policy discount: Policyholders who purchase multiple types of insurance coverage from Electric Insurance, such as auto and home insurance, may be eligible for a multi-policy discount. This discount can help customers save money by bundling their insurance coverage into a single policy.
  • Safe driver discount: Electric Insurance rewards policyholders who have a safe driving record with a safe driver discount. This discount may be available to drivers who have not been involved in any accidents or received any traffic violations.
  • Anti-theft device discount: Policyholders who install anti-theft devices in their vehicles may be eligible for a discount on their auto insurance coverage. This discount helps to reduce the risk of theft and provides peace of mind to policyholders.
  • Good student discount: Electric Insurance offers a good student discount to full-time students who maintain a high grade point average. This discount is designed to reward students who are working hard in school and can help lower the cost of auto insurance.

These are just a few of the discounts available to policyholders of Electric Insurance. To find out if you are eligible for any discounts, it’s recommended that you contact Electric Insurance directly and speak with a representative about your insurance needs.

Simplified Electric Insurance Claims: Hassle-Free Process for Policyholders

Ease of Filing a Claim

Electric Insurance offers multiple channels for filing claims, ensuring convenience for policyholders. Customers can file claims online through the company’s website, over the phone with dedicated customer service representatives, or via mobile apps for added accessibility. This flexible approach caters to a variety of preferences, allowing policyholders to choose the method that suits them best.

Average Claim Processing Time

The efficiency of claim processing is a crucial factor for insurance customers. Electric Insurance aims to streamline this process, but the actual claim processing time may vary depending on the complexity of the claim and other factors. It’s recommended that policyholders inquire about estimated processing times when filing a claim to set appropriate expectations.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback can provide valuable insights into the claims experience with Electric Insurance. While many policyholders express satisfaction with the company’s services, it’s important to note that some negative experiences have been reported, including slow claims processing and coverage issues.

Electric Insurance: Cutting-Edge Digital and Technological Features for Policyholders

Mobile App Features and Functionality

Electric Insurance offers a mobile app equipped with a range of features and functionalities to enhance the customer experience. Policyholders can manage their accounts, view policy details, and even file claims directly through the app. This convenient tool empowers customers to access their insurance information on the go, making it easier to stay informed and take action when needed.

Online Account Management Capabilities

Managing insurance policies online is made straightforward by Electric Insurance. Customers can access their accounts via the company’s website to review and update policy information, make payments, and track claims. This digital platform simplifies the insurance experience, providing policyholders with control and transparency over their coverage.

Digital Tools and Resources

Electric Insurance emphasizes the use of technology to improve the insurance process for its customers. In addition to the mobile app and online account management, the company may offer various digital tools and resources to aid policyholders in understanding their insurance needs.

These tools can include calculators, educational materials, and informative content to assist customers in making well-informed decisions about their coverage.

How Electric Insurance Company Ranks Among Providers

In the highly competitive landscape of the insurance industry, companies vie for market share by offering diverse coverage options, competitive pricing, and exceptional customer service. Electric Insurance, as discussed in this review, stands as a well-established player with a focus on innovative solutions and personalized service.

To provide a more comprehensive perspective, it’s essential to consider the main competitors in the market, each contributing to the dynamic and evolving nature of the insurance sector:

  • Geico: Renowned for competitive rates and extensive advertising, Geico is a major contender in the auto insurance sector.
  • Progressive: A pioneer in innovative approaches, Progressive leverages technology with programs like Snapshot, making it a strong competitor.
  • State Farm: With a vast network of agents and diverse coverage options, State Farm competes directly with Electric Insurance, especially in auto and home insurance.
  • Allstate: Offering a comprehensive range of insurance products, Allstate competes in various sectors, including home and personal liability insurance.
  • Liberty Mutual: As a global insurer, Liberty Mutual competes with Electric Insurance by providing a broad array of coverage options and appealing to a diverse customer base.
  • USAA: Focused on serving military members and their families, USAA’s emphasis on excellent customer service positions it as a significant competitor in the industry.

In navigating the insurance market, consumers encounter a multitude of choices. Electric Insurance, alongside these key competitors, contributes to the rich tapestry of options available. Understanding the strengths and specialties of each company aids individuals in making informed decisions to meet their specific insurance needs.

As the industry continues to evolve, the competition among these players fosters innovation and drives improvements that ultimately benefit consumers.

Customer Feedback for Electric Insurance

Overall, Electric Insurance has received positive reviews from its customers. Many policyholders appreciate the company’s wide range of insurance products, competitive prices, and excellent customer service.

However, not all customer reviews of Electric Insurance are positive. Some policyholders have reported negative experiences with the company, such as slow claims processing, poor customer service, and coverage issues.

It’s important to keep in mind that customer reviews are subjective and can be influenced by several factors, such as the type of coverage selected and the individual’s experience with the company.

If you are considering purchasing insurance from Electric Insurance, it may be helpful to compare customer reviews from multiple sources and speak with a representative directly to learn more about the company and its insurance products.

Frequently Asked Questions

What insurance products does Electric Insurance offer?

Electric Insurance offers a range of insurance products, including auto, home, and personal liability insurance. They also provide additional services such as coverage for boats and recreational vehicles, umbrella insurance, and identity theft protection.

How does Electric Insurance determine the cost of coverage?

The cost of coverage at Electric Insurance depends on several factors, such as the type of coverage selected, the location of the customer, the customer’s driving record, the make and model of the vehicle, and other factors.

What discounts are available at Electric Insurance?

Electric Insurance offers a range of discounts to help its customers save on their insurance costs, such as safe driver discounts, multi-policy discounts, and good student discounts.

In which states does Electric Insurance offer coverage?

Electric Insurance operates in all states except for Alaska, Hawaii, and New York.

How has Electric Insurance been rated by its customers?

Electric Insurance has received positive reviews from many customers for its wide range of insurance products, competitive prices, and excellent customer service. However, some customers have reported negative experiences, such as slow claims processing and poor customer service.

How can I get a quote from Electric Insurance?

You can get a quote from Electric Insurance by visiting their website and entering your ZIP code, or you can speak with a representative directly to learn more about their insurance products and services.

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Laura Berry

Former Licensed Insurance Producer

Laura Berry has experience as a licensed producer selling life, health, and property insurance coverage for both Allstate and State Farm. She has dedicated many hours to helping her clients understand the insurance marketplace so they could find the best car, home, and life insurance products for their circumstances. While she currently helps businesses take advantage of the federal R&D tax...

Former Licensed Insurance Producer

Heidi Mertlich

Licensed Insurance Agent

Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the ...

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.

Reviews
for Electric Insurance Company

3.81 (46 reviews)
1
July 20, 2021

Arigraves

VERY UNHAPPY CUSTOMER

I don't usually write reviews but I have never in my life experienced such an unorganized organization in my LIFE. I have been trying to make a PAYMENT for months with this company and they just cannot get it right. They even at one point cancelled my policy due to not making payments even tho someone told me on a recorded line that my account was up to date and on autopay THE LIES. It has been 8 months and they STILL have not figured out my frea...
I don't usually write reviews but I have never in my life experienced such an unorganized organization in my LIFE. I have been trying to make a PAYMENT for months with this company and they just cannot get it right. They even at one point cancelled my policy due to not making payments even tho someone told me on a recorded line that my account was up to date and on autopay THE LIES. It has been 8 months and they STILL have not figured out my freaking autopay. Their website is a joke. My agent is a sweet girl and I know none of this is her fault but I 10000000000% would never recommend this company. If my policy wasn't so cheap I would have left months ago!!!
4
May 28, 2021

Kaomalley411

Poor customer service to a 18 year customer

After being a customer since 2005, I have multiple issues with the customer service in the last 4 years. From not receiving billing invoices to there website not working correctly it became increasingly hard to make an on time payment. My insurance was canceled without my knowledge while I am active military member was stationed over seas. After trying to fix the problem last month I ended up switching insurance companies due to lack of insurance...
After being a customer since 2005, I have multiple issues with the customer service in the last 4 years. From not receiving billing invoices to there website not working correctly it became increasingly hard to make an on time payment. My insurance was canceled without my knowledge while I am active military member was stationed over seas. After trying to fix the problem last month I ended up switching insurance companies due to lack of insurance without my knowledge for 4 months. No cancellation was sent. No phone call or email was made. After spending over an hour on the phone with them in April trying to resolve this problem last month I received a phone call today May 28th 2021 stating that my bill had gone into collections. This was the first phone call I received from them. The individual I spoke with informed me that my account had been in collections since February of 2021. I had not received a bill phone call or email about this. On top of this when I spoke to the prior representative a month ago he told me nothing of this. I am very happy with having switched to much easier updated company, with a website that actually works with my email.
5
December 28, 2020

soccerblr

Best Customer Service

The Electric Insurance Company has some of the best customer service around. They are knowledgeable and able to help when I need it.
5
December 9, 2019

mkhalfin

Superb Service

Superb service, was there immediately to help me with my auto collision. I stick with Electric and they stick by me.
5
August 18, 2019

kaitlyn316

Ease of Use

Very reliable, quick and responsive to your needs. Coverage is very good, multi policy discounts available. Great customer service.
5
July 30, 2019

Pjmjr4352

Great Service! Excellent Value!

Excellent service! They helped us out immediately when my wife's vehicle was struck by another vehicle on a Friday. We live in a small town with only one car rental place within 20 miles. They were closing in a few hours and would not open until Monday, but the Electric Insurance team was able to secure a rental for us. They also paid for all of the repairs so we would not have to wait for the other driver's insurance company to pay the claim...
Excellent service! They helped us out immediately when my wife's vehicle was struck by another vehicle on a Friday. We live in a small town with only one car rental place within 20 miles. They were closing in a few hours and would not open until Monday, but the Electric Insurance team was able to secure a rental for us. They also paid for all of the repairs so we would not have to wait for the other driver's insurance company to pay the claim. All of the agents that I have spoken with over the years have been very friendly and helpful.
3
June 11, 2019

Dfd

They have changed and so did I

Great company to deal with. With EI for 21 yrs. Finally had it with their constant premium price increases. Finally switched carrier and am saving over $500 between both policies. Sorry guys you were once a company I gave rave reviews about
5
April 19, 2019

Bd1991

Electric insurance

Company was easy to get signed up and easy to deal with and pay. It is a little expensive but get the service you pay for.
1
January 30, 2019

Gabriela2019

Be careful with Electric Insurance

Wait more then 1/2 hour to answer the phone for road assistance. Job done with other company. When you need them the most, they are not answered. Think to change them.
5
May 21, 2018

LeMaynard

car accident

We have had claims from a car accident and they were really quick getting our money back to us. They were really fast. They also have a nice payment plan for you to pay each month.
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