Infinity was acquired by Kemper sometime in 2018 as a non-standard insurer and is recognized as one of the second-largest car insurance companies.
As one of the high-risk policies for drives, however, it is available for drivers in states like Arizona, California, Florida, Georgia, and Texas.
The various insurance products offered by Infinity insurance include non-standard car insurance, life insurance, business insurance, and homeowners insurance. The company only sells insurance in California.
Infinity car insurance
Infinity Insurance is non-standard car insurance with high-risk drivers. With the inability of a user to have a clean driving record, failure to obtain regular car insurance for reasons known or unknown, Infinity insurance may become the last resort for such caliber of users.
Though Infinity comes with several discounts the policies tend to be higher at first.
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Types of coverage
In line with state requirements, Infinity offers no doubts meet the minimum coverage insurance. However, there are a few add-on coverages exclusively for drivers who may want to customize their policy. Find the coverage available:
- Basic coverage: Comprehensive, collision, liability, medical payments and uninsured/underinsured motorist coverage.
- Personal injury protection: Personal Injury Protection (PIP) This covers the cost of medical bills and also lost wages after an accident irrespective of who is at fault.
- SR-22 certificates: An SR-22 is a certificate that proves a driver is with the state minimum mandatory insurance coverage. A driver may certainly need an SR-22 to upturn the suspended license back to work.
- Infinity DriverClub: This is a free membership program that offers roadside support coverage for some key repairs, towing, battery services and refueling in case a car breaks down.
Common Types of Car Insurance Coverage
Before you decide to shop for car insurance, get to understand what car insurance coverage you want and the requirement for having one.
Many states may need car insurance to drive a vehicle, but the minimum coverage requirements also vary from state to state. Largely this includes liability insurance and uninsured and underinsured motorist coverage.
If you are keen on additional protection, then be ready to go for full coverage insurance.
Full coverage may not be an ideal policy for you to buy, therefore, a combination of coverage types like liability, collision, and comprehensive insurance may serve your purpose.
Here are the most common types of car insurance coverage you can check out on how they work:
|Type of Coverage
|What it pays for
|This covers the uninsured or underinsured motorist
|The cost covers medical and property damage after an accident involving a driver with insufficient insurance or none at all
|It is required in most cases.
|It covers bodily injury and property damage liability
|Costs for injuries, deaths or property damage from an accident you caused.
|Expenses for repair due to traffic-related accidents, regardless of who’s at fault.
|Lease or loan cars require it.
|Repair costs due to circumstances beyond your control. This is a situation when you hit an animal while driving, theft and vandalism.
|A car loan or lease may require it.
Infinity has some basic insurance coverage offers, plus some additional options:
DriverClub provides roadside assistance 24/7, and this covers passengers in someone else’s car. Note that Membership is free while you pay for service as needed.
Cost of Infinity Car Insurance
Infinity car insurance policy is considerate looking at the full coverage cost of $1,908 per year and minimum coverage of $595. A comparative analysis shows that the US national average cost of full coverage car insurance is put to $1,738 in a year.
The above analyses indicate that infinity car insurance is expensive than the average hence it provides to high-risk drivers. With this, infinity charges are high for more coverage as a result of the tendency that risky drivers insured could file a claim.
Auto Discounts from Infinity Insurance are indeed enticing which can benefit drivers while they save money on their auto insurance.
Statistics reveal that drivers can save as much higher as $679 on their insurance policy with Infinity. This discount varies by state and this depends on where the driver lives. Its available discounts include:
- Multiple car discount.
- Electronic payment discount
- Safe driver discount.
- Paid in full discount.
- Paperless discount.
- Discount for starting your quote online.
- Vehicle safety discount.
- Mature driver improvement course discount.
- Good student discount.
- Discount for getting a quote at least six days before your current policy ends.
- Loyalty discount.
- Switch and save discount for new customers.
- Homeowner discount.
Infinity Home Insurance
Home insurance is sold by Infinity using independent insurance, conversely, its policy cannot be underwritten by the company. Find customer support to better your understanding of home insurance policies.
Types of coverage
Now that it is unclear what coverage comes with Infinity home insurance policy due to its inability to underwrite this policy itself. That notwithstanding, we will take a clue from the basic coverage that comes with some home insurance providers which include:
- Basic coverage: Certain home insurance companies deals with the sales of apartment, liability, personal property, medical payments.
- Scheduled personal property coverage: As a homeowner with a scheduled personal property endorsement, this can upturn coverage limits for valuables such as jewelry.
- Sump pump/water backup coverage: Other insurance companies sell an add-on coverage which pays to repair damaged sump pumps and water pipes.
Infinity is silent on home insurance discounts while online. Conversely, we unravel some homeowners insurance discounts to include:
- Pay in full discount
- Anti-theft device discount
- Claims-free discount
- New home discount
- AutoPay discount
Infinity Life Insurance
Infinity life insurance mode of operation is the same as that of home insurance. This means the company does not underwrite its policies hence its policies are handled via a non-affiliated insurance company.
Customers who seek further understanding of life insurance should pass through infinity customer support to know which company sells life insurance using infinity.
You may also like: Lincoln Financial Life Insurance: All you need to know before you buy
Types of Coverage:
Having recognized as a partner to a non-affiliated company that offers life insurance policies, Infinity does not in any way disclose terms of life insurance.
Therefore, applicants will certainly need to answer some basic health questions but may not necessarily need to take a medical examination before getting approval. Remember your coverage starts the same day as approval.
Riders or Endorsements
Infinity does not in any way disclose life insurance riders or endorsements. The disclosure basically is determined by the non-affiliated insurance company that underwrites the policy.
Reasons why Infinity is a great option
Infinity could be considered as a great deal though to many. Many drivers see it as the best option hence they cannot get standard car insurance from any regular insurance provider.
This applies to a certain category of drivers who have been convicted of a DUI, also with a poor credit score, and with multiple insurance claims or have been in multiple at-fault accidents.
Despite certain discounts that accompanied Infinity insurance, it is sad to state here that, it does not have a grip of home and life insurance policies hence both are underwritten by a non-affiliated company.
Also of note is the lack of information online concerning its policies.
First times are already discouraged as a result. Haven being found mainly in California, other people with a keen interest in Infinity could resort to other options from Kemper insurance.
Additional policies offered by Infinity
Infinity insurance offers are exciting with common insurance policies. Regardless of auto, home, and life insurance, Infinity Insurance can also boast of selling the following policies:
- Classic car insurance
- ATV insurance
- RV insurance
- Boat insurance
- Business insurance
- Condo insurance
- Renters insurance
- Flood insurance
- Mobile home insurance
- Homeowner insurance
- Life insurance
- Motorcycle insurance
- Umbrella insurance
- Commercial auto insurance
Infinity ratings, reviews, customer satisfaction and complaints
Not much is talked about about Infinity Insurance, however, they are rated higher by AM Best which explains their excellent financial capacity. Records available with the Association of Insurance Commission (NAIC) indicate that they have a very higher rate of complaints index that is put to 7.0.
Infinity Pros and Cons
– Provides auto insurance to high-risk drivers
– Large list of insurance products offered through third-party insurers
– Website is also available in Spanish not only in English
– Only available in five (5) states
– Receives far more complaints than other auto insurers
– Likely not the best option for drivers who are not high-risk
More about Infinity
Website: using Infinity’s website, it is easier for you to view or change your policy and also to make payments as well as to track a claim. Not just to access the webpage but also to read any of Infinity’s pages in Spanish.
Mobile App: When you use an Infinity app on a smartphone, it allows you to view ID cards, and also to make payments, and find preferred repair shops. The app can help you to summon DriverClub roadside assistance at any given time.
More from Infinity: Most of the insurance products are available from third-party companies through Infinity’s partnerships. Find here the types of insurance you can get through Infinity:
Common Types of Car Insurance Coverage
Before you purchase car insurance, be mindful of the type of coverage you really want. However, minimum car insurance requirements vary from state to state and so some states may only need car insurance to drive a vehicle.
Largely this includes liability insurance and uninsured and underinsured motorist coverage. You can shop for extra protection which is full coverage insurance.
Though, full coverage may not be a precise policy buy but rather a combination of coverage types like liability, collision, and comprehensive insurance.
Frequently asked questions:
What is the best auto insurance company?
Different drivers identified different auto insurance to be the best according to their needs. Yet, certain insurers are considered the best providers on the market which include Geico, State Farm, USAA, and The Hartford.
You can shop around to compare rates and also get across a licensed insurance agent before purchasing a policy.
Does Infinity sell SR-22 insurance certificates?
Certainly yes, Infinity does sell SR-22 insurance certificates to high-risk drivers. They can as well file an SR-22 with the state’s department of motor vehicles (DMV) on behalf of the driver.