Auto One Auto Insurance Review (2024)
Auto One auto insurance specializes in negotiating limited assignment distribution policies and sells high-risk insurance to drivers with tickets, DUIs, and multiple accident claims.
Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ach...
Licensed Agent & Financial Advisor
UPDATED: Dec 19, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Dec 19, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Auto One
Average monthly rate for good drivers:
N/AA.M. Best rating:
N/AComplaint level:
LowPros
- Auto One is a division of the OneBeacon Insurance Group
- Auto One specializes in negotiating limited assignment distribution policies
Cons
- Auto One does not have the ability to manage policies in all 50 states because all 50 states do not have assigned risk policies
- Auto One also provides traditional policies to only drivers in New York
Final Verdict: Review of Auto One
An Auto One auto insurance review leads to a division of the OneBeacon Insurance Group. Auto One specializes in negotiating LAD (limited assignment distribution) policies for those in many states.
Auto One is able to provide quotes for many different types of auto insurance and people; however, they only sell traditional policies to New York drivers.
The rest of their policies are sold to drivers with assigned risk who find it nearly impossible to purchase with traditional insurance companies.
- Auto One is a division of the OneBeacon Insurance Group
- Auto One specializes in negotiating limited assignment distribution policies
- Auto One also provides traditional policies to only drivers in New York
What You Should Know About AutoOne
Auto One has received great auto insurance reviews from both customers and the insurance industry itself.
Remember, Auto One customers are mostly other insurance companies for whom they are managing assigned risk accounts. Auto One received an average of eight out of 10 points for management and nine out of 10 points for customer service.
Though most customers are other insurance companies, there are still individuals who are able to purchase policies as long as they have a good driving record and drive in New York State.
These policyholders also give high reviews to Auto One for claims service and great customer service. Having some traditional policies further increases the financial strength of Auto One.
The one complaint that is seen regularly with Auto One is the fact that it is not available in all 50 states. Auto One does not have the ability to manage policies in all 50 states because all 50 states do not have assigned risk policies.
Some states do not require insurance companies to handle at-risk drivers but instead insures these drivers through their own department of insurance.
To find a company that is right for you, compare auto insurance rates online now by entering your ZIP code here!
Auto One Insurance Agents
Auto One and companies like Auto One, negotiate prices for limited assignment distribution (LAD) services.
Insurance companies that are required by auto insurance laws to provide coverage for assigned risk drivers sell these policies to drivers and then hand the policies over to a LAD specialized company such as Auto One who then manages the policy for the company.
LAD policies are also referred to by other names depending on the state you are in. For example, the term PAP is used in California and stands for Public Automobile Pool Assignments and Automobile Insurance Plans (AIP) in other states.
Auto One agents and other specialized companies work out the details for the insurance company. Agents also handle all the paperwork required by each state including positive and negative notifications.
Several positive notifications can cause a state to remove a driver from the assigned risk category making insurance rates drop drastically.
Every quarter of on-time payments without incidents results in positive notifications. Negative notifications include late payments or additional violations.
Because of the legal nature of assigned risk drivers, traditional insurance companies can face fines if they do not handle LAD cases properly. It is worth the extra cost of handing over policies to a company like Auto One in order to ensure that all the legal obligations are met.
AutoOne Insurance Coverage Options
Auto One provides coverage for high-risk drivers. High-risk drivers are those with any of the following on their driving record:
- DUIs
- multiple at-fault accidents
- multiple speeding violations
- multiple moving violations
- revoked or suspended license due to driving without insurance
Assigned risk drivers receive their classification from their state department of insurance.
Most states require auto insurance companies to accept a certain amount of assigned risk drivers. However, insurance companies were making the cost of assigned risk policies so high that most drivers could not afford the coverage. The solution is companies like Auto One.
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Frequently Asked Questions
What is Auto One Auto Insurance?
Auto One Auto Insurance is an insurance company that provides coverage for automobiles. They offer a range of insurance policies designed to protect drivers and their vehicles from various risks, including accidents, theft, and damage.
What types of auto insurance coverage does Auto One Auto Insurance offer?
Auto One Auto Insurance offers several types of coverage, including:
- Liability coverage: This covers bodily injury and property damage you may cause to others in an accident.
- Collision coverage: This pays for repairs or replacement of your vehicle if it’s damaged in a collision.
- Comprehensive coverage: This protects your vehicle from non-collision incidents like theft, vandalism, or natural disasters.
- Personal injury protection (PIP): This covers medical expenses for you and your passengers regardless of fault.
- Uninsured/underinsured motorist coverage: This helps cover costs if you’re in an accident caused by a driver with insufficient insurance or no insurance at all.
How can I get a quote from Auto One Auto Insurance?
To get a quote from Auto One Auto Insurance, you can visit their website or call their customer service. Provide the necessary information about yourself, your vehicle, and your driving history, and they will provide you with a quote based on the coverage options you choose.
Can I manage my Auto One Auto Insurance policy online?
Yes, Auto One Auto Insurance offers an online portal where policyholders can manage their policies. Through the portal, you can make payments, view and update your policy details, submit claims, and access important documents.
What factors can affect my auto insurance premium with Auto One?
Several factors can influence your auto insurance premium with Auto One Auto Insurance. These factors may include your age, driving record, location, type of vehicle, coverage limits, and deductibles. Additionally, factors like your credit history and the purpose for which you use your vehicle may also be considered.
Does Auto One Auto Insurance offer any discounts?
Yes, Auto One Auto Insurance offers various discounts to help policyholders save on their premiums. These discounts may include safe driver discounts, multi-vehicle discounts, discounts for bundling multiple policies, and discounts for safety features installed in your vehicle. Additionally, they may offer discounts to students with good grades or to drivers who complete defensive driving courses.
How do I file a claim with Auto One Auto Insurance?
To file a claim with Auto One Auto Insurance, you can contact their claims department either through their website or by phone. Provide the necessary details about the incident, such as the date, time, and location of the accident, and any relevant documentation or evidence. An Auto One representative will guide you through the claims process and assist you in getting your claim resolved.
Can I cancel my Auto One Auto Insurance policy?
Yes, you can cancel your Auto One Auto Insurance policy. Contact their customer service department to initiate the cancellation process. Keep in mind that there may be certain terms and conditions associated with cancellations, such as potential cancellation fees or requirements for providing advance notice.
How is the customer service of Auto One Auto Insurance?
The customer service of Auto One Auto Insurance is generally well-regarded. They have a dedicated customer service team that can assist policyholders with various inquiries, including policy management, claims, and billing. However, individual experiences may vary, so it’s advisable to read reviews and gather feedback from other customers to get a better understanding of their customer service quality.
Is Auto One Auto Insurance available nationwide?
Auto One Auto Insurance operates in several states but may not be available nationwide. It’s best to check their website or contact their customer service to confirm if they offer coverage in your specific location.
Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ach...
Licensed Agent & Financial Advisor
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.