Vigilant Insurance Review & Ratings (2024)

Vigilant Insurance is a car insurance company that offers a range of coverage options to customers across several states in the US. Some of the key features of Vigilant Insurance include affordable rates, customizable policies, and good customer service.

However, the company’s availability is limited to certain states, and some customers have reported issues with claims processing or difficulties navigating the company’s website.

To find out whether Vigilant Insurance provides coverage in your state, you can check the company’s website, contact customer service, or check with your state’s insurance regulator.

Additionally, it’s important to carefully research and compare multiple insurance providers to find the best possible coverage and rates for your needs.

What You Should Know About Vigilant Insurance

Welcome to our comprehensive article on Vigilant Insurance. As a reliable car insurance provider, Vigilant Insurance has garnered excellent ratings and customer satisfaction. In this article, we will explore key topics such as Vigilant Insurance’s history, mission, coverage options, cost, discounts, customer reviews, and the states where it operates.

Whether you’re looking for affordable rates, comprehensive coverage, or exceptional customer service, Vigilant Insurance has you covered. To find the best insurance rates in your area, simply enter your zip code below and compare quotes from the top insurance providers. Take the first step towards securing the right coverage at the best price today!

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Vigilant Insurance History and Mission

Vigilant Insurance was founded in 2009 with a mission to provide comprehensive and affordable car insurance to drivers across the United States. The company was created by a team of experienced insurance professionals who believed that there was a need for a car insurance provider that could offer high-quality coverage at an affordable price.

Since its inception, Vigilant Insurance has remained committed to its mission, and has worked hard to build a reputation as a reliable and trustworthy provider of car insurance. The company has achieved this by offering personalized service, competitive rates, and exceptional coverage options to its customers.

Over the years, Vigilant Insurance has continued to grow and expand its operations, and is now available in several states across the country. Despite its growth, the company has remained true to its original mission, and has continued to provide the same high-quality service to its customers that it did when it was first founded.

Today, Vigilant Insurance is recognized as one of the top car insurance providers in the market, and continues to be a popular choice for drivers of all types. With its focus on affordability, comprehensive coverage options, and exceptional customer service, Vigilant Insurance is well-positioned to continue its growth and success in the years to come.

Vigilant Insurance Coverage Options

Vigilant Insurance offers a range of car insurance products and services to meet the needs of drivers across the United States. Some of the company’s main products and services include:

• Liability coverage: This is the most basic type of car insurance coverage, and is required by law in most states. It covers damage to other people’s property and injuries they sustain in an accident that you are found to be at fault for.
• Collision coverage: This type of coverage pays for repairs to your own vehicle if you are involved in an accident, regardless of who is at fault.
• Comprehensive coverage: Comprehensive coverage protects your vehicle from damage that is not caused by an accident, such as theft, vandalism, or natural disasters.
• Personal injury protection (PIP): PIP coverage pays for medical expenses and lost wages if you or your passengers are injured in an accident, regardless of who is at fault.
• Uninsured/Underinsured motorist coverage: This type of coverage protects you in the event that you are involved in an accident with a driver who does not have sufficient insurance coverage to pay for damages.

Vigilant Insurance offers all of these coverage options, as well as a range of additional services and features to enhance the customer experience. These include:

• Roadside assistance: This service provides 24/7 assistance if you experience a breakdown or other issue while driving.
• Rental car reimbursement: If your vehicle is in the shop for repairs after an accident, this coverage will pay for a rental car so you can continue to get around.
• Customizable deductibles: Vigilant Insurance allows customers to choose their own deductible, which can help them save money on their premiums.

Areas Where Vigilant Insurance is Available

Vigilant Insurance provides car insurance coverage in a number of states across the United States. While the company is not currently licensed to operate in every state, it does have a significant presence in many areas. Some of the major areas where Vigilant Insurance offers car insurance coverage include:

• California: Vigilant Insurance is licensed to provide car insurance coverage in California, which is one of the largest and most populous states in the country.
• Texas: Texas is another major state where Vigilant Insurance provides car insurance coverage. The company has a strong presence in the Lone Star State, offering a range of policies to meet the needs of Texas drivers.
• Florida: Vigilant Insurance is also licensed to provide car insurance coverage in Florida, which is one of the most popular tourist destinations in the world.
• Arizona: Arizona is another state where Vigilant Insurance provides car insurance coverage. The company offers a variety of policies and coverage options to drivers in the Grand Canyon State.
• Oregon: Finally, Vigilant Insurance also offers car insurance coverage in Oregon, which is known for its natural beauty and outdoor recreational opportunities.

If you are interested in finding out whether Vigilant Insurance provides car insurance coverage in your state, there are some options you can take:

• Check the Vigilant insurance website: The easiest way to find out whether Vigilant Insurance provides coverage in your state is to check the company’s website. The site should provide a list of the states where Vigilant Insurance is licensed to operate.
• Contact Vigilant insurance customer service: If you are unable to find information on the company’s website, you can also contact customer service to ask whether Vigilant Insurance provides coverage in your state.
• Check with your states insurance regulator: You can also check with your state’s insurance regulator to find out whether Vigilant Insurance is licensed to operate in your state. This information should be available on the regulator’s website.
• Use a car insurance comparison website: Another option is to use a car insurance comparison website to compare rates and coverage options from multiple insurance providers. Many comparison websites will ask for your ZIP code to help narrow down the available options to providers that offer coverage in your area.

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Vigilant Insurance Rates Breakdown

The cost of car insurance from Vigilant Insurance can vary depending on a number of factors, including the driver’s age, driving history, and location. However, in general, the company is known for offering competitive rates that are affordable for drivers of all types.

Some of the factors that can impact the cost of car insurance from Vigilant Insurance include:

• Age and driving experience: Younger drivers and those with less experience on the road may pay more for car insurance, as they are considered to be at a higher risk of accidents.
• Driving history: Drivers with a history of accidents or traffic violations may pay more for car insurance, as they are considered to be at a higher risk of future incidents.
• Vehicle type: The type of vehicle you drive can impact the cost of your insurance. Cars that are more expensive to repair or replace may have higher premiums.
• Location: Where you live can also impact the cost of your insurance. Drivers in urban areas or areas with high rates of accidents may pay more for coverage.
• Coverage limits: The amount of coverage you choose can impact the cost of your insurance. Higher coverage limits will generally result in higher premiums.

Vigilant Insurance Discounts Available

Vigilant Insurance offers a number of discounts to help customers save money on their car insurance coverage. Here are some of the discounts that may be available:

• Safe driver discount: This discount is offered to customers who have a clean driving record and no accidents or violations for a certain period of time.
• Good student discount: If you’re a student and maintain a certain GPA, you may be eligible for a discount on your car insurance premiums.
• Multi-car discount: If you have multiple cars on the same policy, you may be eligible for a discount on your overall premium.
• Anti-theft discount: If your car is equipped with an anti-theft device, you may qualify for a discount on your car insurance coverage.
• Bundling discount: If you have multiple insurance policies with Vigilant Insurance (such as home and auto), you may be eligible for a discount on your car insurance premiums.
• Group discount: If you are a member of certain organizations or groups, you may be eligible for a group discount on your car insurance coverage.

How Vigilant Insurance Ranks Among Providers

Vigilant Insurance positions itself favorably in the competitive landscape by prioritizing customer satisfaction, affordability, and a straightforward claims process.

• Progressive Insurance: Progressive is a major competitor known for its extensive coverage options and innovative policies. The company’s strong online presence and Snapshot program for safe drivers make it a formidable opponent. However, Vigilant Insurance stands out with its commitment to customer satisfaction and reliable service.
• GEICO: GEICO is a well-established player in the insurance industry, recognized for its catchy advertising and competitive rates. While GEICO offers broad coverage, Vigilant Insurance positions itself as a reliable choice with a focus on personalized service, affordable rates, and a customer-centric approach.
• State Farm: State Farm is a longstanding insurance giant with a comprehensive range of products. Vigilant Insurance competes by emphasizing affordability and flexibility in coverage options. While State Farm has a vast network, Vigilant stands out for its customer satisfaction and straightforward claims process.
• Allstate: Allstate is known for its diverse coverage options and user-friendly technology. Vigilant Insurance, however, distinguishes itself by offering affordable rates and a streamlined claims process. Both companies prioritize customer service, but Vigilant’s commitment to cost-effectiveness may appeal to certain demographics.
• Nationwide: Nationwide has a strong presence and offers a wide array of insurance products. In comparison, Vigilant Insurance’s focus on car insurance allows for a more specialized approach. Vigilant competes by providing customizable policies and maintaining a reputation for reliability and customer satisfaction.

While competitors may have broader product offerings or larger advertising budgets, Vigilant’s targeted approach to car insurance sets it apart in providing a reliable and cost-effective choice for drivers.

Customer Reviews of Vigilant Insurance

When it comes to customer reviews of Vigilant Insurance, there are a number of opinions and experiences shared by customers online. Here is an overview of what customers are saying about the company:

Strengths:

• Affordable rates: Many customers have reported that Vigilant Insurance offers competitive rates, making it an attractive choice for those looking for affordable car insurance coverage.
• Customer service: Several customers have praised the company’s customer service, noting that representatives are helpful and responsive to questions and concerns.
• Customizable policies: Many customers appreciate the ability to customize their policies and coverage options to fit their unique needs and budgets.

Weaknesses:

• Limited availability: Some customers have noted that Vigilant Insurance is not available in all states, which can be a drawback for those who live in areas where the company does not operate.
• Claims processing: A few customers have reported issues with the claims process, including delays and difficulties in getting claims approved or processed.
• Website navigation: Some customers have found the company’s website to be difficult to navigate or confusing when trying to find information about policies, coverage options, or claims.

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