Alfa Insurance review 2022: Car, home and life

Alfa automobile insurance | Bankrate Rating 3.2

Alfa auto insurance earned a 3.2-star rating from Bankrate. This score considers the company’s performance in the following categories: mobile app, coverage choices, average premium, financial strength ratings from organizations such as AM Best, and J.D. Power’s customer satisfaction rating. Alfa achieved an A (Excellent) AM Best rating and a 4.7-star rating on the App Store for its user-friendly mobile app. Alfa, on the other hand, lost points for the Southeast’s below-average J.D. Power customer satisfaction score in the 2022 U.S. Auto Insurance Study. Additionally, Alfa’s state availability is restricted, thus lowering its Bankrate Score.

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Alfa auto insurance may be a suitable fit for drivers in Alabama, Georgia, and Mississippi who seek basic coverage choices, a variety of discounts, and a mobile app with policy management capabilities. If you value good customer service, you may want to consider your choices, since the firm had a below-average rating in the 2021 J.D. Power Auto Insurance Study. However, the firm filed fewer complaints with the NAIC than the industry average, which may indicate that current consumers are largely happy.

Alfa provides conventional vehicle coverage options such as liability insurance, uninsured and underinsured motorist coverage, and comprehensive coverage. Additionally, it provides coverage for accidental death and dismemberment, as well as loss of use. Alfa may not be the best option for you if you’re seeking for additional coverage alternatives such as gap insurance, ridesharing coverage, or any other specific add-ons.

The cost of Alfa auto insurance

Alfa Insurance review

Alfa may not be the cheapest auto insurance provider for many drivers. According to Quadrant Information Services, the average full coverage insurance costs $2,085 per year, while the average minimal coverage policy costs $626 per year. In comparison, the average annual cost of automobile insurance in the United States in 2021 is $1,674 for full coverage and $565 for minimal coverage.

alfa insurance phone number

Call 1-800-964-2532, prompt 3, or. Click on “About Alfa” then “Contact Us” to email or chat with a customer service representative.

Bear in mind, however, that drivers pay various rates for auto insurance based on their unique qualities. State, vehicle type, and claim history all go towards a driver’s unique auto insurance cost. The following table compares Alfa’s average rates to the national average depending on driving history and the addition of a young driver.

Discounts on Alfa vehicle insurance

Alfa Insurance provides a variety of auto insurance discounts, including multi-car and safety feature savings. Bear in mind, however, that discounts may differ by state. Additionally, the corporation provides various noteworthy discounts, including the following:

Discount for personal, commercial, or farm umbrella policies: Policyholders who also have a qualifying personal, business, or farm umbrella policy may qualify for a discount on their vehicle insurance.

Policyholders who also have an Alfa life insurance policy may qualify for a discount on their car insurance coverage.

Alfa provides occupational discounts to qualified educators, military and first responders, state and federal government personnel, and automobile manufacturers.

Alfa automobile services

Alfa’s website has a series of articles on critical auto insurance subjects, such as how to repair your automobile after an accident. Additionally, the firm provides 24-hour roadside assistance and an accident waiver program that covers the cost of your first at-fault collision.

Alfa insurance for homeowners

Alfa house insurance may be a decent alternative for residents of Alabama, Georgia, and Mississippi who want basic coverage options and a variety of discounts. Due to the company’s focus on the Southeast, its expertise with area weather hazards may be advantageous. Alfa, for example, provides premium rates to residents of Alabama and some Mississippi counties who have secured their houses against hurricanes and windstorms.

Alfa provides the following outstanding coverage categories in addition to basic housing and personal property structure: replacement cost coverage for contents, specialized insurance for valuables, and expanded house premises liability limits. Additionally, the corporation ensures condos, tenants, churches, and farms.

The cost of Alfa house insurance

According to Bankrate’s analysis, the typical Alfa house insurance policy costs $1,673 per year for $250,000 in dwelling coverage. Alfa clients often pay more than the average cost of homeowners insurance in the United States in 2021, which is $1,312 per year for $250,000 in dwelling coverage.

However, the cost of homeowners insurance is determined by a number of variables, including the amount of coverage you choose. The typical rates shown below may be useful for comparative purposes, however, your actual prices may differ.

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