Falcon Car Insurance Review & Ratings (2024)

Falcon Car Insurance provides a detailed analysis of the company’s offerings, focusing on its specialization in providing coverage for high-risk drivers. Authored by insurance industry professionals, Michael Leotta and Justin Wright, the article explores Falcon’s limited policy options, emphasizing its commitment to serving drivers who may struggle to obtain traditional coverage.

The review highlights the company’s competitive rates for high-risk individuals, accessible claims filing process, and user-friendly mobile app for convenient account management. However, potential drawbacks include the limited policy choices, a narrow geographical coverage area, and a notable high complaint level as indicated by the BBB and NAIC.

The article aims to empower readers with unbiased insights and expert opinions to make informed decisions about choosing Falcon Car Insurance for their specific needs. Now that you know more about Falcon Insurance, enter your ZIP code to find free auto insurance quotes in your area.

What You Should Know About Falcon Car Insurance

Welcome to our comprehensive Falcon Car Insurance Review & Ratings. If you’re searching for reliable and affordable car insurance coverage, you’ve come to the right place. We delve deep into Falcon Car Insurance, providing you with valuable insights, unbiased analysis, and expert perspectives to help you make informed decisions about your car insurance needs.

• Falcon Insurance provides coverage for high-risk drivers
• Falcon Insurance has limited policy options
• Falcon Insurance offers multiple discount opportunities

By comparing rates, you can ensure that you’re getting the most competitive prices for the coverage you desire, tailored to your specific needs and budget.

Trust our unbiased information and expert analysis to guide you in evaluating Falcon Car Insurance and finding the coverage that offers the right balance of protection, affordability, and peace of mind. Enter your zip code now and embark on the journey to secure the optimal car insurance coverage you deserve.

Falcon Car Insurance Coverage Options

Falcon Insurance offers fewer insurance options than most competitors. Instead of a large selection, Falcon focuses on coverage for high-risk drivers who need a certain amount of coverage to reinstate their license. According to the Insurance Information Institute, most states require that drivers carry a minimum amount of coverage. Minimum coverage usually means liability, protecting drivers if they’re at fault for an accident.

Falcon’s minimum coverage plan provides the minimum state-required coverage. Since most companies price coverage individually, this provides cheaper Falcon car insurance rates while complying with state requirements.

If you finance your vehicle, the lender might require that you carry full coverage until you pay off your car. In this case, you’ll need more than the state’s minimum coverage. Full coverage auto insurance includes:

• Collision: Covers damage to your car after an accident.
• Comprehensive: Covers damage to your car when you’re not driving.
• Uninsured/underinsured motorist: Covers the costs if you’re in an accident caused by a driver will little or no car 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.

Drivers with serious violations, like a DUI or driving without insurance, might require an SR-22 form to get their license reinstated. Falcon helps with this form, allowing drivers to prove that they carry the state’s minimum required coverage.

Who should buy Falcon Insurance?

Falcon Insurance is best for drivers that need non-standard car insurance. High-risk drivers that require non-standard coverage are those that usually can’t qualify for traditional coverage due to their:

• Driving record
• Claims history
• Credit score

Falcon is a good option for these drivers because they offer lower rates for high-risk drivers. Affordable rates can be hard to find from most auto insurance companies. However, those looking for Falcon Insurance locations will notice they only provide coverage in six states, including:

• Arizona
• Illinois
• Indiana
• Oklahoma
• Texas
• Utah

In most cases, Falcon Insurance is not a good option for drivers who aren’t high risk. Additionally, the company has limited policy options and no endorsements that can leave gaps in coverage. You also must work with an agent to get quotes or purchase a policy, making buying coverage inconvenient for some customers.

Falcon Car Insurance Rates Breakdown

Falcon Car Insurance rates or the criteria affecting those rates. However, in the general context of auto insurance, rates are typically influenced by various factors, including:

• Driving Record: A clean driving record with no accidents or traffic violations often results in lower insurance rates. On the other hand, a history of accidents, tickets, or DUIs may lead to higher premiums.
• Age and Gender: Younger and less experienced drivers, especially males, often face higher insurance rates due to statistical evidence indicating higher accident risks. However, this can vary between insurance companies.
• Vehicle Type: The make, model, and year of the insured vehicle can impact rates. Expensive or high-performance cars may result in higher premiums.
• Coverage Amount: The level of coverage chosen, including liability limits and deductible amounts, directly affects insurance premiums. More extensive coverage generally comes with higher costs.
• Location: Where the insured person lives plays a role. Areas with higher crime rates or more traffic congestion may experience higher insurance rates.
• Credit Score: In some states, insurance companies consider credit scores when determining rates. A higher credit score may lead to lower premiums.
• Insurance History: Continuous coverage and a history of responsible insurance behavior may contribute to lower rates.
• Annual Mileage: The number of miles driven per year can impact rates. Lower mileage often correlates with lower premiums.

It’s crucial for consumers to gather personalized quotes and consider their individual circumstances when evaluating insurance rates. Additionally, Falcon Car Insurance, or any insurance provider, may have specific criteria and discounts that can affect rates, but this information is not detailed in the provided article.

Falcon Car Insurance Discounts Available

Rates for high-risk drivers from the best insurance companies are usually higher than other drivers. Other companies might deny coverage altogether. These drivers will find that average Falcon Insurance quotes are lower than most competitors.

Even with a lower quote, rates will still be higher than many want to pay. Fortunately, the company also offers multiple discounts to lower rates even further. The following Falcon car insurance company discounts allow customers to obtain more affordable rates:

• Homeowner discount: Insured owns a single-family home
• Multi-vehicle discount: Insure more than one vehicle on a single auto insurance policy
• Pay-in-full discount: Policy is paid in one payment
• Transfer discount: Driver transferred to Falcon from another company

Combining these discounts is the best way to get affordable Falcon car insurance. When speaking with the company about a policy, ask which discounts you might be eligible for to get the most accurate Falcon car insurance quotes.

Falcon Car Insurance: Streamlined Claims Process for Hassle-free Claims Filing and Resolutions

Ease of Filing a Claim

Falcon Car Insurance offers an easy and convenient claims filing process. Policyholders have the flexibility to file claims through multiple channels, including online, over the phone, or via mobile apps. This accessibility ensures that customers can choose the method that best suits their preferences and circumstances.

Average Claim Processing Time

The average claim processing time with Falcon Car Insurance is streamlined to ensure policyholders experience prompt and efficient service. Their commitment to timely claim resolution provides customers with peace of mind, knowing that their claims will be handled swiftly and effectively.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback regarding claim resolutions and payouts is an essential aspect of evaluating an insurance provider. Falcon Car Insurance strives to provide satisfactory claim resolutions and fair payouts to their policyholders. Customer experiences contribute to a better understanding of the insurer’s responsiveness and reliability during the claims process.

Mobile App Features and Functionality

Falcon Car Insurance offers a user-friendly mobile app that enhances the overall customer experience. The app provides various features, including claims filing, policy management, access to ID cards, and payment processing. This mobile app streamlines interactions and empowers policyholders with easy access to crucial insurance functions on their mobile devices.

Online Account Management Capabilities

Falcon Car Insurance provides a comprehensive online platform for policyholders to manage their accounts efficiently. Through the online portal, customers can review policy details, update information, view billing history, and track claims. This online account management system ensures convenience and accessibility for policyholders to stay informed and in control of their insurance policies.

Digital Tools and Resources

In addition to the mobile app and online account management, Falcon Car Insurance offers a range of digital tools and resources to support their policyholders. These may include educational resources, safety tips, policy calculators, and coverage guides. These digital tools are designed to empower customers with valuable information and resources to make informed decisions about their insurance coverage.

How Falcon Car Insurance Ranks Among Providers

Falcon Car Insurance seems to position itself as a specialized option catering to high-risk drivers, offering competitive rates within that niche. While it emphasizes affordability and a streamlined claims process, the limited policy options and a focus on specific customer segments may impact its broader ranking among insurance providers.

Additionally, the high complaint level reported by the BBB and NAIC suggests potential areas of concern. To accurately assess Falcon Car Insurance’s standing among providers, prospective customers may benefit from conducting further research, considering their individual needs, and comparing available options in terms of coverage, pricing, and customer satisfaction.

What are the Falcon Insurance reviews?

An excellent way to determine if Falcon is a good fit is to examine its reviews. However, you usually won’t find Falcon car insurance reviews. Instead, you have to look at the parent company. But who owns Falcon Insurance?

Falcon car insurance is a subsidiary of the Falcon Insurance Group. Looking into the reviews of the parent company will help you find the customer reviews and company ratings. While credit rating agencies have overlooked the company, Falcon became accredited by the Better Business Bureau (BBB) in 2018. Additionally, the BBB has given the company an A+ rating.

At the time of this review, the BBB has received 87 complaints about Falcon Insurance over the past three years. The BBB website also has 80 customer reviews, with an average rating of one out of five stars.

Falcon Insurance has a complaint index ratio of 4.88 from the National Association of Insurance Commissioners (NAIC). This ratio indicates that the company has significantly more complaints than the average company of a similar size.