Consolidated Auto Insurance Review (2020)
Looking at Consolidated auto insurance? They offer auto, home, life, umbrella, marine, renters, liability, and worker's comp coverage to personal & commercial clients.
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Written by
Rachel Bodine
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Reviewed by
Daniel Walker
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UPDATED: Jun 9, 2022
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- Consolidated Insurance Services, Inc. provides personal and commercial insurance products
- Consolidated Insurance represents a variety of carriers including Progressive and Traveler’s
- Consolidated is registered with the Better Business Bureau but has few other ratings available
Choosing a subject for this Consolidated auto insurance review was no easy task when you consider there are dozens of agencies around the country that use the Consolidated name.
Consolidated Insurance Services, Inc., an independent regional insurance provider in Indiana, was chosen because of their extensive history and the number of insurance products they provide.
Consolidated Insurance Services got its start in 1932 providing personal lines of insurance in the state of Indiana.
Through 70 years of great customer service and product development, the company has managed to expand to provide an extensive line of both commercial and personal insurance products.
For the purposes of this review, the company will heretofore be referred to as “Consolidated Insurance.” This company is in no way related to any of the others bearing the same name.
Entering your ZIP code above gives you immediate access to auto insurance quotes from providers in your area.
Table of Contents
Consolidated Insurance Customer Service
Customer service begins with the types of services and products an individual company carries.
For Consolidated, that product and service list includes personal lines such as auto insurance, life insurance, personal umbrella coverage, boat coverage, and policies for homeowners, renters, and condo dwellers.
With insurance products to cover just about every personal need, consumers can bundle all of their policies together for greater overall coverage and a better price.
Consolidated Insurance presents a total of 39 carriers across all of its product lines. Some of the more well-known carriers they represent include Travelers, Progressive, Firemen’s Fund, and Zurich.
The company acts as a representing agent for these carriers and handles things like writing new policies, processing claims, providing quotes, and so on.
For business customers, they also provide certificates of insurance that might be required by vendors or customers.
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Consolidated Insurance Agents
Since Consolidated Insurance acts as an agency representing other carriers, they do not utilize any other independent agents in that sense.
All of their agents work from one of the three offices and are directly employed by the company. They perform all the usual functions of a local agent including a meeting with customers, procuring quotes, comparing policies, processing claims, and more.
The advantage of acting as an agent is that it gives Consolidated Insurance the opportunity to service their customers on a more individual and personal level.
That includes being able to compare policies from all the carriers they represent simultaneously. That comparison produces the best policy at the best price, depending on the needs of the individual customer.
It is a business model used by the majority of insurance providers in America.
Consolidated Insurance Claims
For individual claims, Consolidated suggests customers can receive the quickest response by contacting the carrier directly.
For worker’s compensation claims they provide a form that must be filled out first and submitted to them.
From there, Consolidated will direct the customer in how to further proceed with the worker’s comp claim. The difference in claims service with worker’s compensation is due to the fact that it is governed by separate regulations.
For all other claims, customers still have the freedom to contact Consolidated before they get in touch with their provider. This may be a benefit if you have questions relating to your policy and specific local circumstances.
Your agent might be more helpful in answering questions that the national carrier would have difficulty with. Ultimately, you will have to deal with your carrier at some point.
Consolidated Insurance Reviews
Consolidated Insurance is registered with the Better Business Bureau in the Indianapolis area. They have an A+ rating with no customer complaints at all within the last three years.
This is not to say that there have been no customers dissatisfied with their products or services, it’s just that none have filed complaints with the BBB.
Since Consolidated is a such a small company by comparison, individual customer reviews on independent websites don’t exist.
Whether you’re in Indiana or any one of the other 49 states, you can compare online auto insurance rates by entering your ZIP code below!