UPDATED: Mar 13, 2020
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Encompass Insurance: Selling Personal Insurance (Including Auto) in a State Near You
AutoinsuranceEZ.com Rating:Although Encompass has been a subsidiary of the Allstate group since the turn of the century, the company itself has been selling personal insurance products in America’s breadbasket since 1897. Presently, as an Allstate subsidiary, they make up the majority of personal insurance products which Allstate sells. Encompass also offers automotive insurance coverage to higher-risk drivers who might otherwise not be able to find coverage – but at a price.
Encompass Insurance Review
The financials of Encompass are strong, so customers shouldn’t lose sleep over whether or not the company is capable of paying out on claims. The claims process itself, however, has received complaints from customers over the years. Yet every other aspect of customer service from Encompass, such as agent interaction, repairs, and rental car services are rated fairly well.
|AM Best Financial Rating (2016)||A+|
|Better Business Bureau Rating (2016)||A+|
|Complaint Ratio per Vehicle (NJ, 2012)||0 / 51,189|
Encompass Insurance Discounts
In addition to the high ratings, potential Encompass clients can look forward to a decent variety of discounts offered by the company. One particularly appealing discount is their Safe Driving Bonus, which applies a 5% discount to your policy for each consecutive 12 months that you go without an accident. Other discounts may include:
|Type of Discount||Max Percentage Discount*|
|Safe Driving Bonus||5%|
(*Courtesy of EncompassInsurance.com and the 2013 the California Department of Insurance 2013 Automobile Premium Survey)
Encompass Auto Insurance Options
Encompass prefers to offer its customers an EncompassOne Policy, which protects any automobiles you own, your home, and other valuable property (such as jewelry or fur coats). However, if you’re looking for simple automotive insurance coverage, they have that too. In addition to the usual coverage options (Liability, Comprehensive/Collision, etc.), they also offer their auto policy customers:
- New Car Replacement
- Accident Forgiveness
- Loan/Lease Gap Coverage
- Roadside Assistance
- Auto Insurance for Teens
Comparing Encompass Insurance Quotes
Comparing different “risk profiles” – your likelihood of filing a claim and therefore costing your insurance company money – is important when shopping around for an insurance policy. Companies love to advertise low rates for drivers, but these lower rates are usually resolved for those with a lower risk profile.
As you can see in this chart, Encompass does offer a fairly good value to those drivers who have a lower risk profile (such as homeowners, good students, and married couples). Higher risk drivers, however, will still be able to get coverage from Encompass – just at a significantly higher rate. To be fair, even at higher rates, these high-risk drivers still may be getting a better deal than with another provider. This is why it’s so important to compare multiple quotes from several companies before you decide on an insurance provider.
Pros and Cons of Encompass Insurance
|Strong financial rating||Multiple customer service complaints regarding the claims process|
|Good variety of coverage options to choose from||Higher premiums for high-risk drivers|
Encompass offers several attractive options for many drivers across the United States. Their unique personal insurance products offer customers the convenience of protecting multiple properties at the same time, and they have solid financial strength. However, their claims service is less than perfect (according to customer reviews) and even though they are willing to offer auto policies to high-risk drivers, they do so at a much higher rate than their low-risk customers. But if you think Encompass might be the right insurer for you, be sure to compare them to the local competition with our free quote tool below.Encompass Corporate Headquarters
2775 Sanders Road Northbrook
Chicago, IL 60062