Auto One Auto Insurance Review (2023)
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.
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Written by
Rachel Bodine |
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Reviewed by
Daniel Walker
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UPDATED: Sep 28, 2022
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: Sep 28, 2022
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.
On This Page
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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
The Bottom Line
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.
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.
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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Auto One vs. Competitors
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.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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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.
|
Written by
Rachel Bodine |
|
Reviewed by
Daniel Walker
|
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