AIS Insurance Auto Insurance Review for 2021
AIS Auto Insurance Specialists is a broker rather than an insurance company. AIS car insurance quotes are offered through major auto insurance companies like Progressive, Mercury Insurance, and The Hartford. AIS Auto Insurance quotes are available in all 50 states, but the company options may vary.
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UPDATED: Jan 5, 2021
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AIS Auto Insurance Specialists was founded in 1969 in sunny California. For over 40 years, the company has dedicated itself to helping drivers find the most competitive auto insurance rates.
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. That means AIS Insurance reviews relate to the company's services as an agency rather than as a true insurance company.
Getting your own auto 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.
It's also where we come in. We can help you find cheap auto insurance right now.
Before you read this AIS auto insurance review, enter your ZIP code above to compare rates right now.
What is AIS Insurance?
Because AIS is more of an auto insurance 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 customer service reviews from unhappy auto insurance 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)|
Where is AIS auto insurance available?
AIS offers auto insurance agency services in all 50 states. The companies that offer coverage through the service will differ by state, as not all companies are licensed in all states.
As noted above, the AIS name is only used in California, and the company goes by PoliSeek in all other states.
What AIS auto insurance discounts are available?
Your discounts may vary depending on which provider AIS chooses to underwrite your auto insurance 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, AIS homeowner's insurance, life, health, and even AIS motorcycle insurance. 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)
There is an AIS Insurance login on the site where you can manage your auto insurance policy, although many changes may need to be done directly with the insurance company.
AIS Insurance locations are found in both Southern California as well as the Bay Area.
What AIS auto insurance options are available?
With AIS, you'll get access to auto insurance providers willing to offer you the following forms of coverage:
- Liability (Bodily Injury and Property Damage)
- Uninsured & Underinsured
- PIP (Personal Injury Protection)
In addition to standard coverage and complimentary optional coverages, AIS offers its customers:
- Rental Car Reimbursement - for when your vehicle is in the repair shop and you have no other means of transportation, your insurance provider will pay for your rental car
- Towing - For when your vehicle becomes disabled and needs a tow or on-site repair work
- Loan/Lease Gap Coverage - If your vehicle is totaled in an accident, this coverage pays the difference between your vehicle's real market value and the cost to replace it
- Medical Expenses - if you, a member/members of your family are hurt in a collision or struck as a pedestrian, this coverage can help pay for medical expenses
- Rideshare Insurance - a new type of coverage that protects drivers for companies such as Uber or Lyft from accident-related expenses while you are on their clock
How do I compare AIS auto insurance quotes?
When you get in contact with an AIS agent, they will use your personal information to try and find the lowest possible auto insurance quote available in your area. Some of the companies they work with include major providers like Mercury Insurance, Progressive, The Hartford, and Infinity. Any one of these companies may have affordable AIS auto insurance options for you.
In the chart above, you can see the average rates for major areas, and also for some of the most common auto insurance companies in the country. 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.
AIS auto insurance rates will also vary based on the company you select. Every car insurance company has different rates for the same person.
How can I contact AIS Insurance?
Here is all of the contact information you need to reach out to AIS Insurance, whether to file a claim or cancel a policy.
P.O. Box 6507
Artesia, CA 90702-6507
AIS Insurance phone number (AIS Insurance customer service): 1-888-772-4247
What Are the Pros and Cons of AIS Insurance?
|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 shortlist of trusted providers. AIS agents are trained to take down your personal info and use that to comparison shop for the best auto insurance 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 an auto insurance 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 auto insurance 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 auto insurance quotes can help you comparison shop for the lowest rate among lots of different providers. However, before you look to buy AIS auto insurance, you can get fast free quotes right here. Enter your ZIP code now to get started.