We’re taking a closer look at Auto Insurance Specialists (AIS). We will break down everything you need to know about the company, including coverage options, cost, and AIS reviews and ratings, to paint a better picture of AIS auto insurance.
Shopping around for the best auto insurance provider can be time consuming. Luckily, we’ve done the work for you by researching and reviewing the best car insurance providers in the United States.
Whenever you shop for car insurance, we recommend getting quotes from multiple providers so you can compare coverage and rates. In addition to the insurance company you choose, factors such as your age, vehicle make and model, and driving history can affect your premium, so what’s best for your neighbor might not be best for you.
Use our tool below or call (844) 246-8209 to start comparing personalized car insurance quotes:
In this article:
- About Auto Insurance Specialists (AIS)
- AIS Auto Insurance Coverage
- Cost Of AIS Auto Insurance
- AIS Reviews And Ratings
- AIS Auto Insurance Technology And Apps
- Our Take On AIS Auto Insurance: 3.5 Stars
- Our Recommendations For Car Insurance
About Auto Insurance Specialists (AIS)
AIS is an independent insurance agency that matches customers with plans from some of the leading names in the industry for home, auto, business, and life insurance. Basically, this means that Auto Insurance Specialists acts as the “middleman” between you and a direct insurance provider.
AIS offers plans for car insurance, classic car insurance, and motorcycle insurance, as well as extended auto warranties through affiliations with partners. Auto Insurance Specialists has served over 300,000 customers and partners with over 30 auto insurance providers like Progressive and Liberty Mutual.
The company has an A+ rating from the Better Business Bureau (BBB), thousands of positive customer reviews, and over 40 years of experience. For these reasons, Auto Insurance Specialists can be a reliable source to find insurance quotes that will work with you and your budget.
AIS Auto Insurance Pros And Cons
The Auto Insurance Specialist network includes many of the top names in the auto insurance industry like Progressive, Liberty Mutual, and MetLife to name a few. But is this a better choice than shopping with direct insurance providers? Let’s take a look at the pros and cons.
AIS takes the work out of shopping for insurance policies. It’s no longer your job to compare car insurance companies.
You may be eligible for lower rates with a provider outside of the AIS network that the company wouldn’t be able to tell you about.
AIS claims to find you the lowest rate available from its list of trusted partners.
Some negative customer reviews say that AIS pushes customers to buy Mercury Insurance, even when it doesn’t provide the lowest rate.
AIS Auto Insurance Coverage
AIS auto insurance specialists will help you find the coverage plan that’s right for you. If you’re looking for comprehensive coverage or just the basics for car insurance, a representative will scour the market to find an auto insurance policy that fits your car’s needs and budget, then match you with an insurance provider from its partner network.
Most states only require bodily injury and property damage liability insurance, but other states have different requirements for minimum coverage. With AIS auto insurance, your location will be taken into account when searching for basic coverage options.
Standard coverage is a step above the basics and includes coverage to repair a car or make medical payments after an incident. This plan includes collision, comprehensive, uninsured and underinsured motorist coverage, medical payments, and personal injury protection.
Additional AIS auto insurance coverage options that could help reduce common out-of-pocket costs include:
- Rental car reimbursement
- Loan/lease gap coverage
- Rideshare insurance
Cost Of AIS Auto Insurance
The cost of coverage varies depending on what company you choose to underwrite your insurance policy and what type of car insurance coverage you elect. According to the AIS auto insurance website, customers may be eligible for a variety of discounts on insurance policies, including:
Up to 15% in savings
Good Driver Discount
Up to 20% in savings
Anti-Theft Device Discount
Good Student Discount
15% in savings
Cycle Safety Course (for Motorcycle Insurance Only)
Up to 5% in savings
Mature Driver Discount
For members ages 55 and older, 5% savings after passing a safe driving course
You’ll get even more savings if you choose to bundle your policies like homeowners and auto for up to 15 percent off your policy.
AIS Reviews And Ratings
Customers and auto industry experts are generally pleased with Auto Insurance Specialists auto insurance. The company has positive reviews for customer service and long-term reliability. Many customers have switched their home policies to AIS insurance after positive experiences with auto insurance, according to Google reviews.
Several negative reviews for AIS auto insurance stem from an incident involving one of the company’s partners, Mercury Insurance. Customer concerns surfaced in 2019 regarding Auto Insurance Specialists putting the financial needs of its partners above customer needs. Specifically, these reviews named an incident where AIS representatives were pushing customers toward buying coverage from Mercury Insurance.
Mercury itself was improperly labeling its insurance agents as “brokers.” This allowed the company to tack on excessive fees, resulting in Auto Insurance Specialists sending more customers to Mercury. The incident was taken to California courts and resulted in a hefty fine of $26.7 million for Mercury Insurance. Mercury was found to be in violation of California Proposition 130 that makes any excessive charges illegal.
AIS Auto Insurance Technology And Apps
Unfortunately, AIS does not offer a mobile app to auto insurance customers. However, it does have an easily accessible online portal to use for claims, payments, or general account use. Policyholders can also call the agent directly for any claims needs.
Our Take On AIS Auto Insurance: 3.5 Stars
We’re giving Auto Insurance Specialists auto insurance 3.5 out of 5.0-star rating. While the insurer gets high marks from customers and the BBB, we still have our reservations given the recent events regarding Mercury Insurance and the fact that AIS is not a direct insurance provider.
We think some motorists will find great coverage with Auto Insurance Specialists, but we always recommend getting more than one insurance quote and comparing policies from multiple insurance companies. This tool, as well as calling (844) 246-8209 can help you do that:
Our Recommendations For Car Insurance
Sometimes it’s better to go straight to a direct provider of car insurance. Rather than working within the Auto Insurance Specialists auto insurance network, consider getting a quote from a company like Progressive first-hand, and see if you get any better rates or offers. We also recommend Geico for its strong industry reputation and reliable coverage.
Geico: Best Overall
Our review of Geico’s auto insurance coverage told us that this company is great for students and military personnel. Geico offers competitive rates and numerous discounts for car insurance. The company also maintains top marks from industry leaders, including an A+ rating from the BBB and an A++ financial strength rating from AM Best.
In addition to standard insurance coverage like liability and comprehensive, you can also get mechanical breakdown insurance, rideshare insurance, and more with Geico. We’re also glad that Geico recently joined the usage-based insurance movement in select states. For more information, read our Geico review.
Progressive: Best For High-Risk Drivers
Progressive is one of the top car insurance companies in the nation. We’ve reviewed Progressive and found that the provider is a good option for drivers in their 20s and drivers with a DUI on record.
In addition to standard coverages like liability and collision, Progressive offers roadside assistance, rental car reimbursement, rideshare coverage, and more. Plus, Progressive has many money-saving features including:
- A deductible savings bank
- Usage-based insurance
You can use Progressive’s Name Your PriceⓇ tool to find a plan that fits your budget. You can also call (844) 246-8209 or use our comparison tool to see the best rates across all providers. Read our Progressive insurance review for more information.
In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.
- Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
- Availability: We consider availability by state as well as exclusions for specific groups of drivers.
- Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
- Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
- Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
- Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.
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