In the world of auto insurance, finding a provider that accepts high-risk drivers and offers affordable coverage can be a challenge. That’s where First Acceptance Insurance stands out. Known for its inclusive approach, the company specializes in offering insurance to individuals who may not qualify for standard coverage due to issues like poor driving history, lapses in insurance, or even legal problems requiring SR-22 documentation. With both in-person offices and online platforms, First Acceptance has established itself as a reliable option for customers looking for flexible insurance solutions in the United States.
Understanding the Company Behind the Name
First Acceptance Insurance, also known as Acceptance Insurance, operates under the First Acceptance Corporation. The company is headquartered in Nashville, Tennessee, and has a network of neighbourhood offices across more than a dozen U.S. states, particularly in the South and Midwest. It focuses primarily on non-standard auto insurance, which targets drivers who may not be eligible for traditional coverage. This includes people with past traffic violations, DUIs, or gaps in insurance coverage. The company’s core mission is to offer affordable, understandable insurance to individuals regardless of their driving history or financial status.
Types of Policies Offered by First Acceptance
The main product offered by First Acceptance Insurance is non-standard auto insurance. This type of policy is specially designed for drivers with a high-risk profile. If you’ve had tickets, or accidents, or require SR-22 insurance, First Acceptance is one of the few providers that not only accepts your application but also simplifies the process. In addition to auto insurance, the company also offers motorcycle insurance, which includes liability, collision, comprehensive, medical payments, and uninsured motorist coverage. For individuals who rent their homes, renters insurance is also available, offering protection for personal property and liability in case of damage or theft. Additional offerings include hospital indemnity plans for those needing help with medical costs due to hospital stays, as well as optional roadside assistance plans that cover towing, flat tire changes, fuel delivery, lockout service, and jump-starts.
Features and Benefits That Make a Difference
One of the major reasons people choose First Acceptance Insurance is the company’s high acceptance rate. Many traditional insurers deny coverage to high-risk drivers, but this company welcomes them. First Acceptance is also known for filing SR-22 forms on behalf of customers who are legally required to carry them. Another strong point is the flexibility in payments. Customers can choose monthly, bi-monthly, or quarterly plans, and low down payments are available for those on tight budgets. Furthermore, First Acceptance has physical locations, which allows customers to visit an agent in person and get help face-to-face, a feature that adds a layer of comfort not found with online-only providers. Additionally, they provide quick online quotes, so potential clients can get a sense of pricing within minutes.
How Affordable Is First Acceptance Insurance?
One of the biggest draws to First Acceptance Insurance is its focus on affordability. Although pricing varies depending on factors such as age, driving record, type of vehicle, and location, the company is generally seen as cost-effective for drivers who fall into high-risk categories. For example, liability-only plans often start with a low monthly premium and require minimal down payments—sometimes as low as $20 or $30. Customers can often find full coverage plans that include comprehensive and collision protection, though these naturally cost more. While the premiums may not always be the cheapest in the market, for those who have few other options, First Acceptance offers a lifeline.
Available Discounts for Policyholders
Despite primarily targeting high-risk drivers, First Acceptance Insurance provides several discount options to reduce overall costs. Some of the available discounts include a multi-car discount for households insuring more than one vehicle and a homeowner discount for individuals who own their home, even if they don’t insure it through the company. Customers with a clean driving record may qualify for a good driver discount, while military members and veterans may be eligible for additional savings. There’s also a paid-in-full discount available to customers who can afford to pay their entire premium upfront, which can result in significant savings over the term of the policy.
Where You Can Find First Acceptance Insurance
First Acceptance Insurance is not a nationwide company, but it does operate in many U.S. states, particularly across the South and Midwest. As of now, it serves customers in Alabama, Arizona, California, Florida, Georgia, Illinois, Indiana, Missouri, Mississippi, Nevada, Ohio, Pennsylvania, South Carolina, Tennessee, and Texas. Availability can vary by state, and so do coverage options and pricing. Because insurance laws and regulations differ from state to state, the features available in one location may not be the same in another.
Step-by-Step Overview of the Claims Process
Filing a claim with First Acceptance Insurance is designed to be simple and accessible. Customers can report a claim online, by phone, or by visiting a local office. The first step is to report the incident as soon as possible and provide basic information about what happened. Next, a claims adjuster will be assigned to investigate the details and may contact the involved parties. In most cases, the customer will be asked to submit documentation such as photos, police reports, or medical bills if there were injuries. Once all necessary information is reviewed, the adjuster will assess the claim and provide a settlement or arrange for repairs. Customers can track the progress of their claims online or through the mobile app. Although some users have reported delays during high-volume periods, many find the claims process straightforward when they follow the proper steps and provide complete documentation.
Customer Service and Overall Experience
The customer experience at First Acceptance Insurance is somewhat mixed but generally positive among those who understand the company’s purpose and target market. Many policyholders appreciate the ability to speak with agents in person, as this provides a sense of security and personal attention. Friendly, knowledgeable agents help customers understand their coverage options and guide them through the purchasing process. However, there are some reported downsides. These include long wait times during peak hours, occasional billing issues, and slower claims processing in certain situations. Still, for customers who value affordability and are used to navigating insurance with a few bumps, First Acceptance provides a dependable service.
Digital Tools and Mobile App Access
First Acceptance Insurance has made efforts to embrace digital technology by offering a mobile app and an online customer portal. The mobile app allows users to view ID cards, manage their policies, make payments, and even file and track claims. Although the app isn’t as feature-rich or smooth as those offered by larger national providers, it does offer the essential functions that today’s customers expect. For those who prefer using a desktop, the company’s website allows for quick quotes, payment processing, and basic policy management. The digital experience may not be perfect, but it covers the basics effectively.
Comparing First Acceptance to Other Insurance Providers
In comparison to other insurance companies that serve high-risk drivers, First Acceptance holds its own. Companies like The General, Dairyland, and even major players like GEICO offer similar products, but each has its pros and cons. While First Acceptance excels in in-person service and payment flexibility, competitors might offer broader state coverage or more advanced apps. For example, The General is available in nearly all 50 states and has comparable pricing. Dairyland offers a bit more customization in policy options. GEICO, though not known for high-risk insurance, does offer SR-22 filings but generally prefers low-risk drivers. In terms of pricing, First Acceptance is usually competitive, especially for those who have been denied coverage elsewhere.
Who Should Consider First Acceptance Insurance?
First Acceptance Insurance is best suited for individuals who fall into the high-risk category and need affordable, no-hassle insurance. If you have multiple traffic violations, need SR-22 documentation, or have had your license suspended, you’ll find the company especially accommodating. It’s also a good option for people who prefer paying in small, manageable instalments or want the ability to speak with an agent in person. However, if you are a low-risk driver looking for premium coverage options, robust digital tools, or lightning-fast claims handling, you might find better options with more mainstream providers.
Frequently Asked Questions
Does First Acceptance offer full coverage?
Yes, full coverage is available, including comprehensive and collision insurance in addition to liability.
Can I get insured the same day I apply?
Yes, First Acceptance allows you to get a quote and begin coverage on the same day.
How do I make payments on my policy?
Payments can be made online, through the mobile app, over the phone, or in person at a local office.
Does First Acceptance support SR-22 insurance?
Absolutely. They will file the SR-22 certificate on your behalf if required by law.
Can I cancel my insurance anytime?
Yes, though cancellation policies may vary by state. It’s important to consult with customer service about specific terms.
Conclusion: Is First Acceptance the Right Insurance for You?
First Acceptance Insurance isn’t for everyone—but that’s exactly the point. It exists to serve those drivers who often get ignored or rejected by traditional insurance providers. By focusing on non-standard insurance, offering SR-22 filings, and accepting drivers with complex histories, the company fills a vital role in the marketplace. While it may not provide the bells and whistles of a national brand, it offers a practical, accessible solution for drivers who simply want to get on the road legally and affordably. If you’re struggling to find coverage elsewhere, First Acceptance may be the smart, budget-friendly choice you’ve been looking for.
