UPDATED: Sep 5, 2020
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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 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. That means AIS Insurance reviews relate to the company’s services as an agency rather than as a true insurance company.
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.
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.
AIS Insurance Review
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)|
AIS Insurance Discounts
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, 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 policies, 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.
AIS Auto Insurance Options
With AIS, you’ll get access to 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 which protects drivers for companies such as Uber or Lyft from accident-related expenses while you are on their clock
Comparing AIS Insurance 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 quote available in your area. Some of the companies they work with include major providers like Mercury Insurance, Progressive, The Hartford, and Infinity.