Republic Auto Insurance Review (2024)
In this Republic auto insurance review, we look at their different insurance lines: auto, homeowners and renters insurance. Rates are not publicly available, however, you can seek out a quote on the company website. Scroll down to discover if the Republic insurance company is right for you.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Aug 19, 2024
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: Aug 19, 2024
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
Republic Insurance Group
Average Monthly Rate For Good Drivers
$106A.M. Best Rating:
A-Complaint Level:
LowPros
- Republic agents work one-on-one with new policyholders to secure the highest possible level of affordable coverage
- If you paid for your auto Republic Group policy up-front in full, you could receive a small refund.
Cons
- Republic Group only sells auto policies primarily in Texas, Oklahoma, Louisiana, Mississippi, New Mexico, and Arkansas
- Republic auto insurance rates are not made publicly available
- In this Republic auto insurance review, we uncovered six different lines offered by this company. That includes auto, homeowners, renters', condominium, dwelling fire insurance, and umbrella insurance.
- Republic Group sells auto policies primarily in Texas, Oklahoma, Louisiana, Mississippi, New Mexico, and Arkansas.
- Republic auto insurance rates are not made publicly available, however, your age, driving record, and where you live will impact your average costs.
- Republic agents work one-on-one with new policyholders to secure the highest possible level of affordable coverage
This review covers the Republic Insurance Group, a company licensed to sell its policies in 13 states. It sells both personal and commercial lines of insurance, including auto, home, renters’, condominium, dwelling fire insurance, and umbrella insurance.
The lines of personal coverage that are sold by the Republic Group are the most popular and account for the majority of business revenue that is created. This revenue is created through monthly premium payments.
While Republic rates are not made publicly available, read through our comprehensive guide to learn about the different factors that affect your rates with this company, how to seek out a quote, file a claim, and even cancel an existing policy.
Before committing to buy Republic auto insurance, enter your ZIP code into our free quote comparison tool above and compare rates from reputable providers near you.
What You Should Know About Republic Group
- Republic Group sells policies in TX, OK, LA, MS, NM, and AR
- Rates are not publicly available, however, age, record, and location impact your average costs
- Republic agents work one-on-one with new policyholders
In this comprehensive Republic auto insurance review, we delve into the offerings of Republic Insurance Group, exploring its wide range of insurance products, including auto, homeowners, and renters insurance. While specific rates are not publicly disclosed, the review encourages readers to seek quotes directly from the company to determine if Republic’s offerings align with their insurance needs.
While the Republic Group is not accredited through the Better Business Bureau (BBB), the company received a B+ financial rating. However, as an A.M. Best Company, the Republic Group received an A- rating. While not perfect, these scores are still indicators of economic excellence.
There are no customer service reviews for the Republic Group on the BBB website.
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Republic Group Insurance Coverage Options
Republic Group sells a variety of insurance products. Those lines include auto, homeowners, renters’, condominium, dwelling fire insurance, and umbrella insurance.
The company used to offer commercial lines of coverage, however, it has shifted to only selling personal policies through the company website. Let’s dive into each coverage type in more detail.
What auto insurance does the Republic Group offer?
You can purchase Republic Group auto insurance coverage, including liability coverage, comprehensive coverage, and collision coverage.
According to the Insurance Information Institute (III), some form of liability coverage is required in almost every state.
Automobile insurance coverage through Republic is competitive and comprehensively covers the laws of the limited states the policies are written for.
Beyond this, Republic group car insurance agents will make suggestions as to the amount of coverage that would be appropriate for the customer. If you are financing or leasing your vehicle, Republic agents will also help determine if the lienholder on the vehicle requires you to have additional coverage. This level of personal insurance service can help you find the solution that not only fits your needs but also one that you’re in the financial position to afford.
What homeowner’s coverage does the Republic Group insurance offer?
Republic homeowners’ insurance policies through the Republic Group are tailored to meet the needs of each homeowner.
Basic coverage is given for all homeowners’ policies and is built upon depending on the type of home, where the home is located, and what items are in the home.
Some homeowners want the fullest protection allowed while others just want the basic coverage required by law. Regardless of which insurance coverage option is best for you, it is available through the Republic Group.
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What other types of insurance does the Republic Group offer?
For those who do not own a home, the Republic Group also sells condominium and renters’ insurance. The condo insurance is for those who own or rent a condominium.
The Renters insurance only covers what is inside the apartment since the apartment building owner should already have an existing policy for the building itself.
The line of personal insurance products offered by Republic is completed with dwelling fire insurance and umbrella insurance. Dwelling fire coverage actually covers more than fires. It covers smoke, hail, civil commotion, vandalism, and more.
Umbrella insurance fills in the gaps and exceeds the limits of other coverage. It is for the express purpose of providing coverage in case of a lawsuit.
Combining policies through the Republic Group makes it easy when questions or problems arise.
All your answers and information are with one company in one place. Each policy is customized to meet the client’s needs. Policies can be mixed and matched.
How do I get a quote from Republic?
To discover your Republic auto insurance rates, you’ll have to seek out a quote on the company website. Once on the company homepage, you must navigate to the ‘Contact Us’ page.
Call the corporate office number at either 800-344-2275 or 972-788-6001 to ask about receiving a quote.
These numbers are only operable between 8:00 am and 4:30 pm central time Monday through Friday.
Republic Group Insurance Rates Breakdown
Republic Group is an insurance company located in Dallas, Texas. It is also an A.M. Trust Financial company.
This company does not make rate data and quote information publicly available. You should understand that your rates are going to depend on the level of risk you pose to the company, or the likelihood of you filing a claim that they will need to pay.
To see how much your premiums will be with this company, you’ll have to get an individual insurance quote on the company’s website or by speaking with an agent.
To help you know if you’re receiving an affordable Republic rate, compare your quoted amount to the national average cost of auto insurance.
According to the National Association of Insurance Commissioners (NAIC), the average cost of personal auto coverage in 2017 was $84 per month or $1,005 annually.
Remember, many different factors go into calculating your rates. Republic Group agents will consider your age, driving record, the type of vehicle you drive, and even your ZIP code when determining your costs.
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Republic Group Discounts Available
Auto insurance discounts often stack together and add up to some great savings. Fortunately, the Republic Group offers a handful of great discount opportunities to its clients.
According to the website, the current Republic discounts include the following:
- Excellent credit history
- Homeowner/other policy bundling
- Agency credit
- Loss free renewal
- Mature operators/senior discount
- Driver’s education discount
- Good student discount
- Discounted rates for students away at school
Overall, this company provides many attractive savings benefits to its customers who are looking to reduce their insurance premium.
How do I file a claim with Republic?
Knowing how to file an auto insurance claim with the Republic Group can help you determine if the company is compatible with you and your needs. You don’t want to wait until you experience an accident to learn that your agent is unresponsive and the claims procedure is slow.
Claims can be filed with the Republic Group anytime. There is a customer login that allows clients to manage their policy and submit and track claims.
Another 24 hours a day, 7 days a week, 365 days per year claims center is available on the company website, providing an efficient solution to getting your claim handled. There are three links that lead to a form, prompting the client to fill it out with the relevant information.
The different claims centers include:
- Auto glass claim
- Personal property claim
- Personal auto claim
There are also two corporate office phone numbers associated with the claims center with limited availability for clients to call.
The Republic Group insurance phone number is either 972-788-6001 or 800-344-2275. The hours of operation are 8:00 am and 4:30 pm central time Monday through Friday.
You can even file a claim request through the following email address: [email protected].
Customers also have the option of filing claims through an agent over the phone or in person.
This gives the client the opportunity to ask any questions they may have and to hear directly from the agent regarding what the next steps are. The downside is that you can only speak to an agent during regular business hours.
Once your claim is submitted, it will be processed in a timely manner. If any questions arise while processing the claim, you will be contacted directly by the company or an agent.
How do I cancel my policy?
You can cancel your auto insurance policy through the Republic Group at any time, for any reason. You can cancel your policy by calling an agent directly, through the mail, or by managing your policy in the customer portal on the company website.
While the company does not mention cancellation fees online, you still may be subject to paying a small fee depending on when in your policy term you decide to cancel.
If you paid for your auto Republic Group policy up-front in full, you could receive a small refund.
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Frequently Asked Questions
What coverage options does Republic Group offer?
Republic Group sells various insurance products, including auto, homeowners, renters’, condominium, dwelling fire insurance, and umbrella insurance. They offer liability coverage, comprehensive coverage, and collision coverage for auto insurance. Homeowners’ insurance policies are tailored to individual needs, and they also provide condo, renters’, dwelling fire, and umbrella insurance.
Can I bundle my auto and home insurance with Republic Group?
Yes, Republic Group offers policy bundling options, allowing you to combine your auto and home insurance for potential savings.
What factors affect my auto insurance rates with Republic Group?
Your auto insurance rates with Republic Group are influenced by factors such as your age, driving record, type of vehicle, ZIP code, and other relevant risk factors.
Can I manage my policy online with Republic Group?
Yes, Republic Group offers a customer portal on their website where you can manage your policy, make payments, and access important policy documents.
Does Republic Group provide coverage for rental properties?
Yes, Republic Group offers dwelling fire insurance, which provides coverage for rental properties, including protection against perils like fire, smoke, hail, vandalism, and civil commotion.
What is umbrella insurance and why might I need it?
Umbrella insurance is a type of coverage that provides additional liability protection beyond the limits of your other insurance policies. It is helpful in safeguarding your assets and providing coverage in case of a lawsuit.
How can I get a quote for Republic Auto Insurance?
To get a quote for Republic Auto Insurance, you’ll need to visit the company’s website and navigate to the ‘Contact Us’ page. You can then call the corporate office at either 800-344-2275 or 972-788-6001 during business hours (8:00 am to 4:30 pm Central Time, Monday through Friday) to inquire about receiving a quote.
What discounts does Republic Auto Insurance offer?
Republic Auto Insurance offers a variety of discounts, including safe driver discounts, multi-policy discounts for bundling different types of insurance, discounts for having safety features installed in your vehicle, and discounts for maintaining a clean driving record over a certain period. These discounts can lead to significant savings on your insurance premium.
How do I cancel my Republic Auto Insurance policy?
You can cancel your Republic Auto Insurance policy at any time by calling an agent directly, through mail, or by managing your policy in the customer portal on the company website. While the company does not explicitly mention cancellation fees online, there may be a small fee depending on when in your policy term you decide to cancel. If you paid your policy upfront, you might be eligible for a refund.
Is Republic Auto Insurance available in all states, and how does this affect my coverage options?
Republic Auto Insurance is licensed to sell policies in 13 states. The availability of different coverage options may vary depending on the state in which you reside, due to differing state laws and insurance regulations. To determine the specific coverage options available in your state and how they may affect your insurance policy, it’s recommended to contact Republic Auto Insurance directly through their website or by calling their corporate office. This direct contact will also provide you with the most accurate and up-to-date information regarding policy options and any state-specific discounts or requirements.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
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.
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