Freedom National Car Insurance Review & Ratings (2024)
Freedom National Car Insurance: Finding affordable car insurance is crucial for every driver. With the wide range of options available, it can be challenging to determine which provider offers the best rates. That's why comparing quotes from top insurance companies is essential. By entering your zip code, you can access a simple and convenient tool that allows you to compare rates from leading providers.
Read moreMichael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations 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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Freedom National Car Insurance
Average Monthly Rate For Good Drivers
N/AA.M. Best Rating:
A+Complaint Level:
LowPros
- Offers tailored coverage for high-risk drivers
- Simplified and accessible online policy management
- Quick and efficient claims processing
Cons
- Limited coverage options compared to larger insurers
- Potential for higher premiums for certain demographics or regions
- Limited availability in select states or regions
Freedom National Insurance Services Inc. is a small company that offers no-frills policies to almost any type of driver. However, there is no mobile app for customers, or many stackable car insurance discounts like other larger companies offer.
Safe drivers may have better luck earning cheaper rates with more coverage options from some of the other best insurance companies. However, Freedom National does sell policies to high-risk individuals. So if you live in one of the states where Freedom National operates and you’ve struggled to secure affordable car insurance from other traditional companies, consider requesting a quote.
Now that you’re a Freedom National car insurance company expert, secure your best coverage by entering your ZIP code into our free rate tool below and immediately receive quotes from the top companies near you.
What You Should Know About Freedom National Car Insurance
Welcome to our comprehensive guide on Freedom National Car Insurance and everything you need to know about this insurance provider. In this article, we will delve into topics such as coverage options, discounts, customer reviews, claims process, and more.
If you’re looking for affordable car insurance with a company that specializes in serving higher-risk individuals, Freedom National might be the right choice for you. However, it’s important to compare rates from multiple insurance providers to ensure you’re getting the best deal.
Enter your zip code now to access our free quote tool and compare rates from the top insurance providers in your area. Take advantage of this opportunity to secure the coverage you need at the most competitive price. Don’t miss out on potential savings – start comparing rates today!
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What is Freedom National insurance company?
Freedom National, an independent company, sells car insurance to people with all types of driving records in four states: Arizona, California, Georgia, and Utah. However, in California, the company is registered as Freedom General Insurance Services.
At this time, there is no Freedom National insurance mobile app for customers. However, you can access a customer account through the company website. After securing a policy, new customers create Freedom National insurance logins on the website.
Freedom National sells traditional coverage considered the car insurance basics. This includes liability insurance, uninsured motorist insurance, comprehensive coverage, and collision coverage. The website also mentions medical payments (MedPay) and personal injury protection (PIP) insurance.
For optional policy add-ons, the company lists towing and rental reimbursement and roadside assistance packages.
Freedom National also offers guaranteed asset protection (GAP) insurance. However, coverage availability and pricing may vary by state.
What is the history of Freedom National insurance?
Founded in 1999, Freedom National is a privately held company headquartered in Newport Beach, California. The current president and CEO of Freedom National Insurance Services, Inc. is Bijan Abdi. The company itself is small, with only 11 to 50 employees in total.
Currently, Freedom National sells car insurance policies in four states, with no plans to expand at any point in the future. It focuses on providing high-quality, affordable car insurance policies to every driver, including people other companies consider too high risk.
What other insurance products does Freedom National sell?
At this time, Freedom National does not sell any additional insurance products besides car insurance policies. Instead, the company provides cheap coverage for higher-risk drivers and people needing SR-22 insurance. However, the company does sell some optional car insurance policy add-ons, as previously mentioned.
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How do you cancel Freedom National insurance?
You can cancel your Freedom National insurance policy at any time. Simply contact a company representative, and they’ll walk you through the process. If any excess premium remains, it is refunded to you promptly.
However, if you miss a payment, the company mails you a cancellation notice. You must pay your bill before the date listed on your notice, or your coverage is terminated with no grace period, depending on state laws.
Freedom National Car Insurance Coverage Options
Freedom National Car Insurance understands that every driver’s needs are unique. Their array of coverage options ensures that you can tailor your insurance policy to suit your specific circumstances. From essential liability coverage to comprehensive protection against unforeseen events, their offerings are designed to provide peace of mind on the road.
- Liability Insurance: Covers bodily injury and property damage if you’re at fault in an accident.
- Uninsured/Underinsured Motorist Coverage: Protects you if the other party involved in an accident doesn’t have insurance or lacks sufficient coverage.
- Comprehensive Coverage: Covers damage to your car caused by incidents other than collisions, such as theft, vandalism, or natural disasters.
- Collision Coverage: Pays for damage to your car resulting from a collision with another vehicle or object.
- Medical Payments (MedPay): Covers medical expenses resulting from an accident, regardless of fault.
- Personal Injury Protection (PIP): Similar to MedPay, it covers medical expenses and additional costs like lost wages or childcare.
- Optional Policy Add-Ons: Offered add-ons include towing and rental reimbursement, roadside assistance packages, and guaranteed asset protection (GAP) insurance, which covers the difference between your car’s value and what you owe on it in case of a total loss.
Freedom National Car Insurance Rates Breakdown
Freedom National Car Insurance aims to provide competitive rates to its customers. However, specific rate details for Freedom National are not publicly available. The company claims to offer affordable rates and encourages prospective customers to request a personalized quote to compare against average rates in their area.
- Driving Record: A clean driving history typically results in lower premiums, while accidents or violations may increase rates.
- Age and Gender: Younger drivers often face higher premiums due to less driving experience, while gender may still be a factor in some regions.
- Location: Rates can vary significantly based on ZIP code due to factors like crime rates and frequency of accidents in the area.
- Type of Vehicle: The make, model, age, and safety features of your vehicle can impact insurance costs.
- Coverage Levels: Higher coverage limits and additional coverage options may increase premiums.
Freedom National Car Insurance strives to provide personalized and competitive insurance rates tailored to individual circumstances. By exploring the factors influencing these rates and obtaining a personalized quote, drivers can gain insight into the affordability and value of the coverage offered.
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What are the average Freedom National car insurance rates?
Unfortunately, at this time, Freedom National car insurance rates are not made publicly available. However, the company claims to provide the cheapest possible rates to drivers whenever possible. But we do know the average cost of car insurance nationally and in the four states where Freedom National operates. So if you do request a quote, you can compare the price to the average rates where you live.
According to the National Association of Insurance Commissioners (NAIC), the national average cost of car insurance in 2018 was $1,190 per year or $99.16 per month. In the table below, compare the average cost of car insurance in the four states where Freedom National operates.
| State | Average Annual Car Insurance Rates |
|---|---|
| Arizona | $3,810.03 |
| California | $3,689.62 |
| Georgia | $4,966.83 |
| Utah | $3,602.23 |
In reality, many different factors impact your car insurance costs. Your ZIP code, local laws where you live, driving record, age, and even the type of car you own all affect your annual rates. To secure your lowest possible prices without compromising your coverage needs, compare car insurance online from multiple companies.
Freedom National Car Insurance Discounts Available
At Freedom National Car Insurance, savings opportunities abound through a range of discounts designed to reward safe driving and specific circumstances. Understanding these potential discounts can significantly impact the affordability of your insurance premiums. Exploring these offerings allows you to uncover potential savings and secure the best value for your coverage needs.
- Good Driver Discount: Available in certain states like Arizona, Georgia, and Utah, rewarding safe driving histories.
- Multi-Car Discount: Offers potential savings when insuring more than one vehicle with Freedom National.
- Student Discount: Possible savings for students meeting certain criteria, such as good grades or completing driver education courses.
Freedom National Car Insurance extends various discounts, aiming to make insurance more affordable for a diverse range of drivers. By delving into these potential savings, such as safe driver discounts or multi-car benefits, policyholders can take advantage of reduced premiums while maintaining quality coverage.
Does Freedom National offer car insurance discounts?
Freedom National does not advertise any car insurance discounts on the company website. However, this does not necessarily mean the company does not provide deals to customers.
For example, the website claims a good driver discount is available at least in Arizona, Georgia, and Utah. The website also refers to a multi-car discount but does not detail the qualification rules or rate reduction amounts. Ultimately, to find out what discounts may be available to you through Freedom National, you must request a quote from the company.
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Streamlined Claims Process With Freedom National Car Insurance
Ease of Filing a Claim
Freedom National offers two primary methods for filing a claim: online and over the phone. Unfortunately, they do not have a dedicated mobile app for filing claims. Customers can conveniently initiate their claim process through the company’s website or by calling the designated claims department phone number based on their policy number.
Average Claim Processing Time
Freedom National does not specify an average claim processing time on their website. However, they emphasize that their claims process is efficient and moves quickly. Unfortunately, no specific timelines or turnaround estimations are provided. In case of any delays, they encourage claimants to follow up with their assigned claims adjuster.
Customer Feedback on Claim Resolutions and Payouts
Feedback from Freedom National’s customers suggests satisfaction with the company’s claim resolutions and payout processes. The company is accredited by the Better Business Bureau and maintains an impressive A+ rating. Additionally, customer reviews on TrustSpot highlight high satisfaction levels, particularly regarding the affordability of rates and the promptness of service.
Exploring Digital Excellence: Freedom National Car Insurance’s Tech-Savvy Features
Mobile App Features and Functionality
As of now, Freedom National does not offer a dedicated mobile app for their customers. This limits the availability of mobile app features and functionality for policy management, claims filing, and other insurance-related activities that are commonly provided by insurance companies through their mobile applications.
Online Account Management Capabilities
Freedom National provides an online account management platform for its customers, accessible through their website. Policyholders can create accounts and manage their policies online, view policy details, pay premiums, and access other essential policy-related information through this platform.
Digital Tools and Resources
While Freedom National does not offer a mobile app, they do provide digital tools and resources on their website. These include an online quote tool, allowing prospective customers to request quotes and compare rates from the company. The website also offers resources to guide customers in understanding the claims process and what to do in case of an accident or claim.
How Freedom National Car Insurance Ranks Among Providers
In the bustling landscape of insurance providers, Freedom National Car Insurance stands among several notable competitors. These companies, recognized for their diverse offerings and competitive advantages, create a dynamic market where consumers have an array of choices.
Understanding the key players within this sphere enables individuals to make informed decisions about their insurance needs.
- Geico: Known for its extensive advertising and competitive rates, Geico offers a wide array of insurance products, including auto, home, and more, with a strong online presence.
- Progressive: Recognized for its innovative approach and user-friendly tools, Progressive provides various coverage options and discounts, appealing to tech-savvy consumers.
- State Farm: Renowned for its personalized service and extensive network of agents, State Farm offers diverse insurance solutions, including auto, home, and life insurance.
- Allstate: Emphasizing customer service and a broad range of coverage options, Allstate provides various discounts and features like the Drivewise program, rewarding safe driving habits.
- Farmers Insurance: Known for its customizable coverage and various discount offerings, Farmers Insurance caters to a wide range of insurance needs, including auto, home, and life insurance.
Each competitor has its strengths, whether in advertising, innovative technology, personalized service, or diverse coverage options. Freedom National Car Insurance competes by offering affordable coverage tailored for higher-risk drivers, focusing on specific regions where it operates.
Understanding the strengths and offerings of these competitors can help consumers make informed decisions when selecting their insurance provider.
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What are the Freedom National insurance ratings and reviews?
Evaluating an insurance company’s financial scores and customer reviews helps you determine if the company is reliable and efficient before committing to a policy. However, this company is relatively small, so there aren’t any Freedom National insurance reviews from the leading credit rating agencies, like A.M. Best, S&P Global, or Moody’s.
But when it comes to customer experiences, this company is accredited by the Better Business Bureau and earned an A+ rating. The Freedom National website also includes a section of customer reviews from TrustSpot. Out of 918 reviews, Freedom National received a 9.49 TrustScore out of a possible 10. Overall, Freedom National customers like the affordable rates and fast service.
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Frequently Asked Questions
What is Freedom National Car Insurance?
Freedom National is a car insurance company that offers coverage in several states across the United States. They provide a range of coverage options, including liability, collision, and comprehensive coverage.
How is Freedom National rated by customers?
Freedom National has mixed customer reviews. Some customers report positive experiences with the company, while others have had issues with their claims process or customer service.
Is Freedom National car insurance affordable?
Freedom National offers competitive rates for their coverage. However, the cost of your car insurance policy will depend on a variety of factors, including your driving history, the type of car you drive, and your location.
Does Freedom National offer discounts?
Yes, Freedom National offers several discounts for their customers, including safe driver discounts, multi-policy discounts, and student discounts.
How can I file a claim with Freedom National?
To file a claim with Freedom National, you can call their claims department or file a claim online through their website. You will need to provide information about the accident or incident, including the date, location, and a description of what happened.
How long does it take for Freedom National to process a claim?
The length of time it takes for Freedom National to process a claim can vary depending on the complexity of the claim. However, they strive to process claims as quickly and efficiently as possible.
Can I cancel my Freedom National car insurance policy?
Yes, you can cancel your Freedom National car insurance policy at any time. However, you may be charged a cancellation fee, depending on the terms of your policy.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations 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.