UPDATED: Sep 5, 2020
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AutoinsuranceEZ.com Rating:Infinity is an auto insurance company which also offers a variety of different insurance products (including commercial insurance, homeowner’s insurance, boat insurance, and more) to drivers within the states of Texas, California, Florida, and Arizona. The company itself sells their products through a network of independent agents. They specialize in helping those who may have some blemishes on their driving record and, because of this history, have a hard time finding affordable coverage.
Infinity Insurance Review
As far as the company’s financial strength is concerned, they are fairly strong in that category according to ratings agency AM Best. They have earned an A rating, which means that they are considered “stable”. Their customer service reviews, however, are less than stellar. They have less than 2 stars on Credit Karma, a high NAIC complaint ratio, and although the BBB has given them an A rating, it includes over 450 complaints that have been filed against them in the last 5 years.
|A.M. Best (2016)||A|
|NAIC Complaint Ratio||2.73|
|Better Business Bureau (2016)||A|
|Credit Karma Customer Reviews||1.3/5 Stars|
Infinity Insurance Discounts
Keep in mind when you take a look at the table below that the four states Infinity operates in are all very different from one another. Because of this, laws will vary from one state to the next. Not all discounts may be available in all areas, and the discounts that are available might not be the same that you see here:
|Discount Type*||Maximum % Savings|
|Advanced Quote||up to 2%|
|EFT||up to 2%|
|Homeowners||up to 5 – 10%|
|Mobile Homeowners||up to 4 – 5%|
|Multi-Car||up to 38%|
|Paid-In-Full||up to 15%|
|Switch & Save||up to 15%|
Additionally, unlike some of their competitors, Infinity charges a laundry list of fees depending on your situation. The following fees can cost anywhere from $9-$25 per fee, and if you get hit with more than one, that extra expense can add up fast:
- Installment Fee (Semi-Annual)
- Annual Installment Fee
- Late Fee
- NSF Fee
- Rewrite Fee
- Reinstatement Fee
- Installment Fees – EFT
- SR22 Fee
- Processing Fee
Infinity Auto Insurance Options
Infinity sells three different types of coverage packages: Economy, Standard, and Deluxe. In the chart below, you can get a sense of what each policy entails, and whether or not it can meet your needs. It can also help you have questions prepared if you need any of the details below to be clarified by an Infinity agent:
|Feature||Covered Person||Liability Coverage||Physical Damage Coverage (when applicable)||Additional or Replacement Vehicle|
|Economy||Named insured and their spouse||Only the insured vehicle(s)||Total costs of repairs made at an RSVP auto repair shop||20 days automatic liability & physical damage coverage|
|Standard||Named insured and their spouse, residents, relatives, non-resident drivers||Non-owned, rental, and temporary substitute vehicles||Rental vehicle used a temporary substitute for a covered vehicle||30 days automatic liability & physical damage coverage|
|Deluxe||Named insured and their spouse, residents, relatives, non-resident drivers using the covered vehicle with the named insured’s permission||Non-owned, rental, and temporary substitute vehicles||Non-owned, rental, and temporary substitute vehicles||30 days automatic liability & physical damage coverage|
Comparing Infinity Insurance Quotes
Getting multiple quotes from several companies is important when you’re looking for insurance coverage. Another important detail, though, is being able to examine how your insurance company determines rates for different types of risk: