AIS Auto Insurance Specialists was founded in 1969 in sunny California. For over 40 years, the company has dedicated itself to helping drivers like you find the most competitive rates on automotive insurance premiums for their customers. Unlike most auto insurance companies, AIS doesn’t necessarily manage the policies themselves; they act more like a broker connecting drivers who need coverage with a chosen handful of providers.
Getting your own insurance policy can be a confusing, time-consuming process. Depending on where you live, there could be dozens of different companies that you might need to request quotes from, and doing all of that work by yourself can be daunting. That’s where AIS comes in. They offer to do all of the grunt work for their potential customers in order to make the process quick and painless for the average driver. And any issues you have with the insurance company they choose for you will be handled by AIS. You won’t have to deal with your insurer directly.
Because AIS is more of a broker than an insurance company in and of itself, finding accurate reviews about the company can be challenging. As far as their financial strength goes, A.M. Best doesn’t have any records for AIS, Auto Insurance Specialists LLC, or PoliSeek (the name of the company outside the state of California). The BBB likewise has no rating for AIS, but there have been three complaints filed against them within the last three years. There are two Yelp pages for AIS – Auto Insurance Specialists; one page is flowing with positive reviews, while the other has mostly negative reviews from unhappy customers. Together, both pages average about 3 stars (out of 5).
|Better Business Bureau||No Rating|
|A.M. Best||No Rating|
|Yelp||3 stars (out of 5)|
Your discounts may vary depending on which provider AIS chooses to underwrite your policy. However, according to the AIS website, you might be eligible for at least:
|Discount Type||% Savings|
|Good Driver Discount||20%|
|Anti-Theft Device Discount:||2%|
|Good Student Discount (full-time)||15%|
|Cycle Safety Course (Motorcycle Insurance Only)||5%|
But AIS deals in more than just auto insurance. They offer insurance for many different types of vehicles, homeowner’s insurance, life, health, and much more. And if you decide to branch out and take advantage of multiple financial products, you might also be eligible for the following discounts:
|Discount Type||% Savings|
|Multi-Policy (“Bundling”) Discount||15%|
|Mature Driver Discount (55+)||5% (after passing Driver Safety course)|
|Group Insurance Discounts||5-15%|
|Home Alarm||5% (Homeowner’s Insurance Only)|
(*Discounts and % Savings courtesy of AIS.com)
With AIS, you’ll get access to insurance providers willing to offer you the following forms of coverage:
In addition to standard coverage and complimentary optional coverages, AIS offers its customers:
When you get in contact with an AIS agent, they will use your personal information to try and find the lowest possible quote available in your area. Some of the companies they work with include major providers like Mercury, Progressive, The Hartford, and Infinity.
In the chart above, you can see the average rates for major areas, and also for some of the most common insurance companies in the country. Now your quotes may vary based on your personal circumstances, such as where you live and which provider you decide to go with. But the numbers above can help put any quotes you get into context and help you find the best deal.
|They do most of the insurance shopping for you||You’re forced to deal with a “middle man” instead of communicating with your insurance provider directly|
|They’ll find you the lowest available rate from their list of trusted providers||You may be eligible for a lower rate from a provider outside of their network|
|Negative reviews are addressed by the company and efforts were made to resolve the issues||Several negative reviews on Yelp accusing them of dishonest business practices|
AIS is an insurance company that, instead of selling and managing policies themselves, helps customers like you find the best rate among their short list of trusted providers. AIS agents are trained to take down your personal info and use that to comparison shop for the best policy on your behalf. And if any issues arise between you and your insurance provider, they will help you navigate those rough waters. However, some people don’t like dealing with a “middle man” and would prefer to shop for a policy and deal with their insurance provider on their own, despite the hassle. There have also been complaints from some customers about being charged a fee to cancel their policy, or being tempted to do business with AIS based on “bait-and-switch” tactics. However, it appears as though representatives from the agency have tried to reach out and resolve these issues.
AIS can help you comparison shop for the lowest rate among lots of different providers. However, you should still get fast, free quotes from sites like AutoInsuranceEZ.com – just in case we can provide you with quotes from providers that AIS doesn’t have access to.