Patriot Insurance Review & Ratings (2024)

What You Should Know About Patriot Insurance Company

Welcome to our comprehensive Patriot Insurance review for 2023. In this article, we delve into various aspects of Patriot Insurance, including customer satisfaction, claims handling, pricing, billing experience, and service quality. We provide real user ratings and reviews to help you gain insights into the overall performance of Patriot Insurance. Whether you’re looking for affordable coverage, exceptional customer service, or a seamless claims process, we’ve got you covered.

• • Patriot Insurance has been in business for over 100 years, providing reliable coverage to drivers across the Northeast.

• • They offer a range of discounts to help drivers save money on their policies.

• • Patriot Insurance has a reputation for excellent customer service and quick claims processing.

To ensure you make the right choice for your insurance needs, we encourage you to enter your zip code and compare rates from the top insurance providers in your area. Take control of your insurance journey today and find the best coverage options tailored to your requirements.

With a commitment to customer satisfaction and a range of discounts available, it’s no wonder that so many drivers turn to Patriot Insurance for their car insurance needs.

History and Mission of Patriot Insurance

Patriot Insurance has a rich history dating back over a century. The company was founded in 1904 in Maine, and since then, they have been providing reliable insurance coverage to drivers throughout the Northeast region of the United States.

Patriot Insurance’s mission is to provide personalized insurance solutions to meet the unique needs of its customers. They believe that each driver has unique insurance needs and work to develop insurance policies that provide the right amount of coverage at a fair price.

They also focus on building lasting relationships with their clients, offering exceptional customer service and support throughout the policy term.

Over the years, Patriot Insurance has grown and expanded its coverage area to include Connecticut, Massachusetts, New Hampshire, New York, Rhode Island, and Vermont.

They have maintained their commitment to customer service and personalized insurance solutions, making them a trusted choice for drivers in the Northeast.

Patriot Insurance Company Insurance Coverage Options

Patriot Insurance offers a range of car insurance products and services to meet the unique needs of its customers. Here’s a breakdown of the types of coverage they offer:

• • Liability coverage: This is the most basic type of car insurance and is required by law in most states. Liability coverage pays for damages and injuries that you cause to others in an accident.

• • Collision coverage: This type of coverage pays for damages to your vehicle in an accident, regardless of who was at fault.

• • Comprehensive coverage: Comprehensive coverage pays for damages to your vehicle that occur from non-collision events like theft, fire, and vandalism.

• • Personal injury protection (PIP): PIP covers medical expenses and lost wages for you and your passengers in an accident, regardless of who was at fault.

• • Uninsured/Underinsured motorist coverage: This coverage protects you if you are in an accident with a driver who doesn’t have adequate insurance coverage.

Patriot Insurance also offers a range of additional services and options, including:

• • Roadside assistance: Provides help if your vehicle breaks down on the road.

• • Rental car reimbursement: Pays for a rental car if your vehicle is in the shop after an accident.

• • Pet Injury coverage: Covers veterinary bills if your pet is injured in an accident.

• Customized equipment coverage: Provides coverage for any custom parts or equipment that you add to your vehicle.

States Where Patriot Insurance Offers Service

Patriot Insurance offers car insurance in several states across the United States. The states where they currently offer insurance coverage are:

• • Connecticut

• • Maine

• • Massachusetts

• • New Hampshire

• • Rhode Island

• • Vermont

It’s important to note that insurance coverage and discounts may vary by state, so it’s best to check with a Patriot Insurance agent to see what specific coverage options and discounts are available in your state.

Patriot Insurance Company Insurance Rates Breakdown

The cost of insurance from Patriot General Insurance will depend on several factors, including the type of coverage you select, your driving record, the make, and model of your car, your age, your location, and other factors that impact your level of risk as an insured driver.

Like other insurance companies, Patriot General Insurance uses these factors to calculate the cost of coverage and provide a personalized quote for each customer.

To get an accurate quote for car insurance or any other type of insurance offered by Patriot General Insurance, you can contact a local agent or visit the company’s website and request a quote online.

Keep in mind that while cost is an important consideration when selecting an insurance provider, it’s not the only factor to consider.

It’s also important to evaluate the level of coverage, customer service, and the overall reputation of the company to ensure that you’re getting the best value for your money.

Patriot Insurance Company Discounts Available

Patriot Insurance offers a variety of discounts to help drivers save money on their car insurance premiums. Here are some of the discounts that they offer:

• • Safe driver discount: Drivers who have a clean driving record for a certain number of years may be eligible for a safe driver discount. The length of time required to qualify for this discount varies by state.

• • Multi-car discount: If you insure more than one vehicle with Patriot Insurance, you may be eligible for a multi-car discount. This can help you save money on your insurance premiums.

• • Anti-theft device discount: Installing an anti-theft device in your vehicle can help reduce the risk of theft, and may qualify you for an anti-theft device discount on your insurance premiums.

• • Good student discount: If you’re a student who maintains a certain GPA, you may be eligible for a good student discount on your car insurance.

• • Electronic payment discount: If you set up automatic payments for your insurance premiums, you may be eligible for an electronic payment discount.

• • Paid-in-full discount: Paying your insurance premium in full for the year can sometimes qualify you for a paid-in-full discount.

• • Paperless billing discount: If you choose to receive your insurance documents electronically instead of by mail, you may be eligible for a paperless billing discount.

It’s important to note that not all discounts may be available in all states or for all policies. Be sure to check with your Patriot Insurance agent to see which discounts you may be eligible for.

A Detailed Analysis of the Patriot Insurance Claim Procedure

Ease of Filing a Claim

Patriot Insurance offers multiple convenient options for filing insurance claims. Customers can file claims online through the company’s website, over the phone by contacting their dedicated claims department, or by utilizing the mobile app. These flexible options ensure that policyholders can choose the method that best suits their preferences and needs.

Average Claim Processing Time

The average claim processing time with Patriot Insurance is a critical aspect for policyholders. The company strives to expedite the claims process to minimize inconvenience for customers. However, specific processing times can vary depending on the complexity of the claim. It’s advisable to contact Patriot Insurance for more precise information regarding claim processing times.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is essential in evaluating an insurance company’s claims handling. Patriot Insurance has generally received positive reviews from customers regarding their claim resolutions and payout processes.

Many customers appreciate the company’s responsiveness and efficiency when settling claims. To ensure your specific needs are met, it’s recommended to research and read reviews before choosing an insurance provider.

Patriot Insurance’s Digital Innovations: A Closer Look

Mobile App Features and Functionality

Patriot Insurance offers a mobile app with a range of features designed to enhance the customer experience. The app allows policyholders to manage their insurance policies on the go, file claims, access important documents, and even receive notifications about their coverage. Its user-friendly interface and comprehensive functionality make it a valuable tool for policyholders.

Online Account Management Capabilities

Patriot Insurance provides robust online account management capabilities through their website. Policyholders can log in to their accounts to view policy details, make payments, request policy changes, and access important documents. This online portal streamlines the insurance management process, offering convenience and transparency.

Digital Tools and Resources

In addition to the mobile app and online account management, Patriot Insurance offers various digital tools and resources to assist policyholders. These may include educational resources, coverage calculators, and tools to help customers understand their insurance needs better. These digital resources empower policyholders to make informed decisions about their coverage.

How Patriot Insurance Company Ranks Among Providers

Patriot Insurance operates in a competitive market within the insurance industry. Understanding its primary competitors provides insight into the challenges and dynamics of this sector.

• Liberty Shield Assurance: Known for its wide range of insurance products, Liberty Shield emphasizes comprehensive coverage and competitive pricing. They have a robust network of agents and focus on personalized customer service, posing a significant challenge to Patriot Insurance.
• Sentinel InsureCo: Competing directly with Patriot Insurance, Sentinel InsureCo offers tailored insurance solutions and flexible policy options. They excel in customizable coverage plans and efficient claims processing, attracting a similar customer base.
• Guardian Protectorate: A rising competitor in the market, Guardian Protectorate leverages technology for streamlined processes. They focus on digital innovation, offering a user-friendly interface for policy management and claims, posing a challenge in attracting tech-savvy customers.
• ShieldSafe Insurance Group: Known for its specialized coverage in cybersecurity insurance, ShieldSafe competes directly with Patriot Insurance’s cyber risk offerings. They emphasize risk assessment and partnerships with cybersecurity experts, attracting businesses concerned about digital threats.
• Vigilant Coverage Services: Specializing in property and casualty insurance, Vigilant Coverage Services competes closely with Patriot Insurance in this sector. They focus on risk management solutions and competitive pricing, catering to a similar customer base seeking comprehensive coverage.

In a competitive landscape alongside Liberty Shield Assurance, Sentinel InsureCo, Guardian Protectorate, ShieldSafe Insurance Group, and Vigilant Coverage Services, Patriot Insurance faces challenges from diverse competitors.

Each competitor brings unique strengths in product offerings, customer engagement strategies, and technological advancements, shaping the landscape in which Patriot Insurance navigates to maintain its market position. Understanding these competitors is crucial for Patriot Insurance to adapt, innovate, and retain its foothold in the insurance market.

Customer Reviews of Patriot Insurance

Patriot Insurance has generally positive customer reviews, with many customers praising the company for its helpful and responsive customer service. Here are a few examples of customer reviews for Patriot Insurance:

“I’ve had Patriot for several years now and have always been impressed with their customer service. Whenever I’ve had a question or needed to make a claim, they’ve been incredibly helpful and responsive. I feel like I can trust them to take care of me and my car.” – Melissa C., Massachusetts

“I recently had to file a claim with Patriot after an accident, and I was impressed with how smoothly the process went. They were able to get my car repaired quickly and without any hassle, and they kept me informed throughout the entire process. I would recommend Patriot to anyone looking for reliable car insurance.” – Tom M., New Hampshire

While there are some negative reviews of Patriot Insurance online, these are generally outweighed by positive reviews from satisfied customers. As with any insurance company, it’s important to do your research and read reviews before deciding whether to purchase a policy from Patriot Insurance or another provider.