Is Freeway Auto Insurance Legit?

Yes, Freeway Auto Insurance is Legit.

However, It isn’t an independent insurance provider, instead, it is an insurance broker.

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About Freeway Auto Insurance

Freeway Insurance is a private insurance broker that helps you find the right insurance company that fits your needs and budget. 

Freeway Auto Insurance doesn’t create the insurance plans themselves but works with other companies like Dairyland, Kemper, and Progressive to get you covered.

They’re experts in finding insurance for people who might have a tougher time getting it, like those with DUIs, accidents, or needing an SR-22.

You can reach Freeway Insurance by phone no matter where you are in the U.S., and they have offices in 22 states.

Additionally, you can get quotes for car insurance online, over the phone, or in person at one of their locations.

Who Should Use Freeway Car Insurance?

Freeway Insurance might be a good choice if you’re too busy or finding it hard to figure out which insurance is best for you.

They team up with different auto insurance companies that are experts in covering drivers who’ve had problems like DUIs or lots of tickets.

So if you’re in that situation, Freeway could help you out.

Freeway Auto Insurance Coverages

So then, What Does Freeway Car Insurance Cover?

Freeway Auto Insurance doesn’t provide car insurance directly, so what’s available depends on where you live and which insurance company they suggest for you.

Remember, your state might require certain types of coverage by law.

Here are some coverage options you might get through Freeway’s partners, similar to what most car insurance companies offer:

  • Comprehensive: Helps with fixing or replacing your car if it’s damaged by something other than a crash, like fire or vandalism.
  • Collision: Covers repairs or replacements if your car gets damaged in a crash with another vehicle or object.
  • Liability: Protects you if you’re at fault in an accident that injures someone else or damages their property.
  • Uninsured/underinsured motorist: Helps if you’re in an accident with a driver who doesn’t have insurance or enough insurance.
  • Medical Payments (MedPay): Covers medical bills for you and your passengers, no matter who’s at fault.
  • Personal Injury Protection (PIP): Also known as no-fault insurance, this helps with medical expenses for you and your passengers, and it may cover lost wages and household services if you’re hurt in an accident.

Car Insurance Discounts Available through Freeway

If you buy insurance from one of the companies Freeway works with, you might qualify for discounts that could reduce how much you pay for insurance.

Some common discounts offered by car insurance companies include:

  • Anti-theft
  • Safe driving
  • Student
  • Insuring multiple cars
  • Having multiple policies (like home and auto)
  • Military service
  • Being a senior citizen
  • Sticking with the same insurance company for a while
  • Setting up automatic payments
  • Completing a defensive driving course
  • Driving fewer miles
  • Paying your insurance bill all at once

How to Purchase Car Insurance from Freeway

Freeway gives you several options to buy insurance, whether you like doing it online, by phone, or face-to-face.

Here’s a step-by-step guide to getting insurance through Freeway’s website:

  • Collect personal and vehicle details.

This includes your name, address, email, phone number, and birthdate, and whether you need an SR-22 filing.

You’ll also need to provide info about your car like its year, make, and model and any additional drivers.

Additionally, you will say how you primarily use the vehicle, how many miles you drive annually, and whether you own, finance, or lease it.

  • Pick your coverage

You’ll be asked if you want the minimum coverage required by your state or if you prefer more coverage.

  • Check your quote and policy

After filling out the form, review the quote you get. Make sure it fits your budget and includes the exact coverage you want.

  • Buy your policy

If you’re happy with the quote, you can buy a Freeway policy online, over the phone, or by meeting with an agent in person.

Freeway Auto Insurance Customer Feedback

Freeway Insurance holds an A+ rating and is accredited by the Better Business Bureau (BBB).

With approximately 420 customer reviews on the BBB website, it has an average rating of 4.25 out of 5.0 stars.

Positive feedback often highlights prompt and efficient service, as well as competitive rates. Many customers appreciate that Freeway provided coverage when other insurers wouldn’t.

However, like most auto insurance companies, Freeway also receives its fair share of complaints from customers.

Purchasing insurance is typically a rare event, and the stress of filing a claim can lead to more criticisms than usual, even for well-established providers.

Complaints lodged with the BBB mention confusion regarding initial costs and ongoing monthly payments, along with challenges in reaching the company’s representatives.

If you decide to purchase a car insurance policy from Freeway, it’s advisable to carefully review your contract and ask clear questions when communicating with a representative.

Key Takeaways

  • Freeway is a legit auto insurance broker, linking drivers with insurance companies.
  • You can request a quote through Freeway’s website, over the phone, or by visiting one of their local offices.
  • Freeway assists high-risk drivers in obtaining insurance coverage, which may include the SR-22 form if needed.

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