Falcon Car Insurance Review & Ratings (2024)
Dive into our comprehensive review of Falcon Car Insurance, where we provide unbiased insights, expert analysis, and valuable information about their policies, coverage options, claim processes, customer experiences, and more. By exploring these aspects, we aim to equip you with the knowledge needed to evaluate Falcon Car Insurance and make informed decisions about your car insurance coverage.
Read moreJustin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Jul 13, 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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above 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 insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Jul 13, 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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Falcon Car Insurance
Average Monthly Rate For Good Drivers
N/AA.M. Best Rating:
A+Complaint Level:
LowPros
- Affordable rates for high-risk drivers
- Streamlined claims filing process
- User-friendly mobile app for convenient account management
Cons
- Limited policy options
- Focus on high-risk drivers may not be suitable for all customers
- High complaint level according to the BBB and NAIC indices
Falcon Car Insurance provides a detailed analysis of the company’s offerings, focusing on its specialization in providing coverage for high-risk drivers. Authored by insurance industry professionals, Michael Leotta and Justin Wright, the article explores Falcon’s limited policy options, emphasizing its commitment to serving drivers who may struggle to obtain traditional coverage.
The review highlights the company’s competitive rates for high-risk individuals, accessible claims filing process, and user-friendly mobile app for convenient account management. However, potential drawbacks include the limited policy choices, a narrow geographical coverage area, and a notable high complaint level as indicated by the BBB and NAIC.
The article aims to empower readers with unbiased insights and expert opinions to make informed decisions about choosing Falcon Car Insurance for their specific needs. Now that you know more about Falcon Insurance, enter your ZIP code to find free auto insurance quotes in your area.
What You Should Know About Falcon Car Insurance
Welcome to our comprehensive Falcon Car Insurance Review & Ratings. If you’re searching for reliable and affordable car insurance coverage, you’ve come to the right place. We delve deep into Falcon Car Insurance, providing you with valuable insights, unbiased analysis, and expert perspectives to help you make informed decisions about your car insurance needs.
- Falcon Insurance provides coverage for high-risk drivers
- Falcon Insurance has limited policy options
- Falcon Insurance offers multiple discount opportunities
By comparing rates, you can ensure that you’re getting the most competitive prices for the coverage you desire, tailored to your specific needs and budget.
Trust our unbiased information and expert analysis to guide you in evaluating Falcon Car Insurance and finding the coverage that offers the right balance of protection, affordability, and peace of mind. Enter your zip code now and embark on the journey to secure the optimal car insurance coverage you deserve.
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Falcon Car Insurance Coverage Options
Falcon Insurance offers fewer insurance options than most competitors. Instead of a large selection, Falcon focuses on coverage for high-risk drivers who need a certain amount of coverage to reinstate their license. According to the Insurance Information Institute, most states require that drivers carry a minimum amount of coverage. Minimum coverage usually means liability, protecting drivers if they’re at fault for an accident.
Falcon’s minimum coverage plan provides the minimum state-required coverage. Since most companies price coverage individually, this provides cheaper Falcon car insurance rates while complying with state requirements.
If you finance your vehicle, the lender might require that you carry full coverage until you pay off your car. In this case, you’ll need more than the state’s minimum coverage. Full coverage auto insurance includes:
- Collision: Covers damage to your car after an accident.
- Comprehensive: Covers damage to your car when you’re not driving.
- Uninsured/underinsured motorist: Covers the costs if you’re in an accident caused by a driver will little or no car insurance.
- Bodily liability: Pays for medical bills if someone else suffers an injury in an accident caused by you.
- Property damage liability: Covers the cost of any property damage you’ve caused in an accident.
Drivers with serious violations, like a DUI or driving without insurance, might require an SR-22 form to get their license reinstated. Falcon helps with this form, allowing drivers to prove that they carry the state’s minimum required coverage.
Who should buy Falcon Insurance?
Falcon Insurance is best for drivers that need non-standard car insurance. High-risk drivers that require non-standard coverage are those that usually can’t qualify for traditional coverage due to their:
- Driving record
- Claims history
- Credit score
Falcon is a good option for these drivers because they offer lower rates for high-risk drivers. Affordable rates can be hard to find from most auto insurance companies. However, those looking for Falcon Insurance locations will notice they only provide coverage in six states, including:
- Arizona
- Illinois
- Indiana
- Oklahoma
- Texas
- Utah
In most cases, Falcon Insurance is not a good option for drivers who aren’t high risk. Additionally, the company has limited policy options and no endorsements that can leave gaps in coverage. You also must work with an agent to get quotes or purchase a policy, making buying coverage inconvenient for some customers.
Falcon Car Insurance Rates Breakdown
Falcon Car Insurance rates or the criteria affecting those rates. However, in the general context of auto insurance, rates are typically influenced by various factors, including:
- Driving Record: A clean driving record with no accidents or traffic violations often results in lower insurance rates. On the other hand, a history of accidents, tickets, or DUIs may lead to higher premiums.
- Age and Gender: Younger and less experienced drivers, especially males, often face higher insurance rates due to statistical evidence indicating higher accident risks. However, this can vary between insurance companies.
- Vehicle Type: The make, model, and year of the insured vehicle can impact rates. Expensive or high-performance cars may result in higher premiums.
- Coverage Amount: The level of coverage chosen, including liability limits and deductible amounts, directly affects insurance premiums. More extensive coverage generally comes with higher costs.
- Location: Where the insured person lives plays a role. Areas with higher crime rates or more traffic congestion may experience higher insurance rates.
- Credit Score: In some states, insurance companies consider credit scores when determining rates. A higher credit score may lead to lower premiums.
- Insurance History: Continuous coverage and a history of responsible insurance behavior may contribute to lower rates.
- Annual Mileage: The number of miles driven per year can impact rates. Lower mileage often correlates with lower premiums.
It’s crucial for consumers to gather personalized quotes and consider their individual circumstances when evaluating insurance rates. Additionally, Falcon Car Insurance, or any insurance provider, may have specific criteria and discounts that can affect rates, but this information is not detailed in the provided article.
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Falcon Car Insurance Discounts Available
Rates for high-risk drivers from the best insurance companies are usually higher than other drivers. Other companies might deny coverage altogether. These drivers will find that average Falcon Insurance quotes are lower than most competitors.
Even with a lower quote, rates will still be higher than many want to pay. Fortunately, the company also offers multiple discounts to lower rates even further. The following Falcon car insurance company discounts allow customers to obtain more affordable rates:
- Homeowner discount: Insured owns a single-family home
- Multi-vehicle discount: Insure more than one vehicle on a single auto insurance policy
- Pay-in-full discount: Policy is paid in one payment
- Transfer discount: Driver transferred to Falcon from another company
Combining these discounts is the best way to get affordable Falcon car insurance. When speaking with the company about a policy, ask which discounts you might be eligible for to get the most accurate Falcon car insurance quotes.
Falcon Car Insurance: Streamlined Claims Process for Hassle-free Claims Filing and Resolutions
Ease of Filing a Claim
Falcon Car Insurance offers an easy and convenient claims filing process. Policyholders have the flexibility to file claims through multiple channels, including online, over the phone, or via mobile apps. This accessibility ensures that customers can choose the method that best suits their preferences and circumstances.
Average Claim Processing Time
The average claim processing time with Falcon Car Insurance is streamlined to ensure policyholders experience prompt and efficient service. Their commitment to timely claim resolution provides customers with peace of mind, knowing that their claims will be handled swiftly and effectively.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback regarding claim resolutions and payouts is an essential aspect of evaluating an insurance provider. Falcon Car Insurance strives to provide satisfactory claim resolutions and fair payouts to their policyholders. Customer experiences contribute to a better understanding of the insurer’s responsiveness and reliability during the claims process.
Falcon Car Insurance: Enhancing Customer Experience With Advanced Digital and Technological Features
Mobile App Features and Functionality
Falcon Car Insurance offers a user-friendly mobile app that enhances the overall customer experience. The app provides various features, including claims filing, policy management, access to ID cards, and payment processing. This mobile app streamlines interactions and empowers policyholders with easy access to crucial insurance functions on their mobile devices.
Online Account Management Capabilities
Falcon Car Insurance provides a comprehensive online platform for policyholders to manage their accounts efficiently. Through the online portal, customers can review policy details, update information, view billing history, and track claims. This online account management system ensures convenience and accessibility for policyholders to stay informed and in control of their insurance policies.
Digital Tools and Resources
In addition to the mobile app and online account management, Falcon Car Insurance offers a range of digital tools and resources to support their policyholders. These may include educational resources, safety tips, policy calculators, and coverage guides. These digital tools are designed to empower customers with valuable information and resources to make informed decisions about their insurance coverage.
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How Falcon Car Insurance Ranks Among Providers
Falcon Car Insurance seems to position itself as a specialized option catering to high-risk drivers, offering competitive rates within that niche. While it emphasizes affordability and a streamlined claims process, the limited policy options and a focus on specific customer segments may impact its broader ranking among insurance providers.
Additionally, the high complaint level reported by the BBB and NAIC suggests potential areas of concern. To accurately assess Falcon Car Insurance’s standing among providers, prospective customers may benefit from conducting further research, considering their individual needs, and comparing available options in terms of coverage, pricing, and customer satisfaction.
What are the Falcon Insurance reviews?
An excellent way to determine if Falcon is a good fit is to examine its reviews. However, you usually won’t find Falcon car insurance reviews. Instead, you have to look at the parent company. But who owns Falcon Insurance?
Falcon car insurance is a subsidiary of the Falcon Insurance Group. Looking into the reviews of the parent company will help you find the customer reviews and company ratings. While credit rating agencies have overlooked the company, Falcon became accredited by the Better Business Bureau (BBB) in 2018. Additionally, the BBB has given the company an A+ rating.
At the time of this review, the BBB has received 87 complaints about Falcon Insurance over the past three years. The BBB website also has 80 customer reviews, with an average rating of one out of five stars.
Falcon Insurance has a complaint index ratio of 4.88 from the National Association of Insurance Commissioners (NAIC). This ratio indicates that the company has significantly more complaints than the average company of a similar size.
Frequently Asked Questions
What types of coverage does Falcon Insurance offer?
Falcon Insurance offers limited policy options and primarily focuses on providing coverage for high-risk drivers. They offer a minimum coverage plan that provides liability coverage, full coverage auto insurance, and SR-22 forms for drivers with serious violations.
What discounts are available from Falcon Insurance?
Falcon Insurance offers multiple discounts to help lower rates for high-risk drivers. These discounts include multi-car discounts, safe driver discounts, and paid-in-full discounts.
What are the Falcon Insurance reviews?
Falcon Insurance is a subsidiary of the Falcon Insurance Group. The parent company has an A+ rating from the Better Business Bureau (BBB) and has received 87 complaints over the past three years. The BBB website has 80 customer reviews, with an average rating of one out of five stars.
Does Falcon Insurance have a website and mobile app?
Yes, Falcon Insurance has a website and mobile app that customers can use to make claims, view policy information, make payments, and access ID cards.
How can you make Falcon Insurance payments?
Falcon Insurance offers various payment plans, including monthly, bi-annual, and annual payment options. Customers can make payments online, over the phone, or in-person with a local agent.
Who should buy Falcon Insurance?
Falcon Insurance is best for drivers that need non-standard car insurance, such as high-risk drivers that usually can’t qualify for traditional coverage due to their driving history. Falcon Insurance only provides coverage in six states, including Arizona, California, Florida, Illinois, Texas, and Utah. The company has limited policy options and no endorsements that can leave gaps in coverage. Customers also must work with an agent to get quotes or purchase a policy, making buying coverage inconvenient for some customers.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.