Are you wondering if Hallmark auto insurance is right for you and your car? Read on to learn about Hallmark car insurance coverage, costs, discounts, and more before deciding if this company should be your first choice for protection after an accident.
In this article:
- Overview Of Hallmark Financial
- Hallmark Auto Insurance Coverage
- Hallmark Auto Insurance Cost And Discounts
- Hallmark Auto Insurance Reviews
- Our Take On Hallmark Auto Insurance: 3.0 Stars
- Other Car Insurance Providers To Consider
Overview Of Hallmark Financial
Hallmark auto insurance is provided by a company called Hallmark Financial. Along with car coverage, the company also offers business insurance, renters insurance, personal aircraft insurance, and more. Hallmark is known among drivers for its competitive rates and affordable payment plans.
Headquartered in Dallas, Texas, Hallmark auto insurance is available in seven states, including:
Hallmark will match you with one of its three partner companies to satisfy your auto insurance needs: American Hallmark Insurance Company of Texas, Hallmark Insurance Company, or Hallmark County Mutual Insurance Co.
Hallmark Auto Insurance Coverage
Hallmark car insurance is available for one- and six-month policy periods, which is nice for drivers who want short-term coverage. The company specializes in minimum liability policies, catering to customers who simply want to meet their states' minimum car insurance requirements. However, you can also get full coverage insurance and non-owner insurance through Hallmark.
Here's a full list of the coverages available with a Hallmark car insurance policy:
- Bodily injury liability insurance
- Property damage liability insurance
- Collision coverage
- Comprehensive car insurance
- Medical payments (MedPay) coverage
- Uninsured/underinsured motorist coverage
- Towing and labor coverage
- Rental car reimbursement
Hallmark Auto Insurance Cost And Discounts
The average car insurance payment varies from person to person based on demographic factors like age, location, gender, and marital status, as well as the type of vehicle you drive and your driving history. Because of this, it’s difficult to pinpoint how much Hallmark car insurance will cost each driver. You'll need to reach out for a personalized quote to see the rates Hallmark can offer you.
Some discounts that Hallmark car insurance customers could be eligible for include:
- Multi-car discount
- Homeowner discount
- Recurring payment discount
- Multi-policy discount
- Prior coverage discount
- Foreign driver’s license discount
How to Get A Hallmark Auto Insurance Quote
You can get a quote for Hallmark car insurance by calling to speak to a local insurance agent or by going on the company’s website to fill out a form. To file a claim, customers can contact an agent over the phone, by email, or live chat on the website.
If you want a simpler quote process, we recommend using the free tool below to get matched with the best providers and rates in your area:
Hallmark Auto Insurance Reviews
Hallmark has an A+ rating from the Better Business Bureau (BBB). Many customers report high levels of satisfaction with the friendliness, directness, and professionalism of the Hallmark car insurance customer service department.
However, there have been a few complaints filed against Hallmark through the BBB. These mention motorists being dissatisfied by the claims processing speed. Despite persistent calls and emails, some reviewers who had gotten into accidents with motorists insured by Hallmark report having trouble getting through to Hallmark for compensation for the cost of repairs and medical bills. Hallmark has replied to these complaints explaining the individual circumstances of each claim that have prohibited a resolution.
Here are a few examples:
“After speaking with my third adjuster today and reaching no resolution, I am filing a complaint. I did not want to do this, after nearly a year and three adjusters. I would like to get these issues resolved… I want to be made whole for all of the out-of-pocket expenses I have incurred thus far, the deficit on my vehicle for being in a no-fault accident, and the physical damage that was done. I don't believe for a moment that is asking too much.”
- Anonymous via BBB
"The worst insurance to deal with. This is the type of insurance company that takes three months to figure out when a policy was reinstated and will probably take another three to get me an email. Very inefficient and poor service."
-Diana M. via BBB
Our Take On Hallmark Auto Insurance: 3.0 Stars
Overall, we give Hallmark 3.0 out of 5.0 stars. Hallmark car insurance has some great perks, like bilingual claims and customer service, and it seems that company representatives act professionally and kindly toward customers. But the claims process does not operate efficiently or quickly enough, according to some drivers. On top of that, we wish there were additional coverages like accident forgiveness and guaranteed asset protection (GAP) insurance.
|Hallmark Auto Insurance Pros||Hallmark Auto Insurance Cons|
|Standard coverages||Only available in seven states|
|Variety of discounts||Slow claims processing|
|A+ rating from the BBB||Not many add-ons coverage options available|
|A- financial strength rating from AM Best|
|24/7 policy access online|
Other Car Insurance Providers To Consider
After reviewing the top car insurance companies in the nation, Geico and Progressive were two companies that came out ahead of the pack. Whether you’re looking for the minimum car insurance or something more comprehensive, we looking into both of these providers and comparing policies to best inform your decision.
Whenever you shop for car insurance, it's smart to get quotes from multiple auto insurance companies to guarantee you are receiving competitive rates and coverage. 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.
Progressive: 4.5 Stars
Progressive is a great option for people in their 20s and those with DUIs on their records. It is one of the biggest auto insurance providers in the nation, with thousands of positive reviews from satisfied customers and high ratings from the BBB and AM Best.
Progressive customers can customize auto their insurance policies to satisfy their needs. Customers have the option to purchase basic car insurance plus additional options such as roadside assistance, rental car reimbursement, custom parts and equipment coverage, and rideshare coverage. Progressive also has many money-saving features, including a deductible savings bank, bundling, usage-based insurance, and the Name Your Price® tool that quickly matches you to a plan that fits your budget.
Read more in our Progressive insurance review.
Geico: 4.5 Stars
Geico is a great insurance company for students and was our choice for the best overall provider in the United States. Geico offers competitive rates and numerous discounts while maintaining an A+ BBB rating, an AM Best financial strength rating of A++, and impressive scores in numerous J.D. Power studies.
In addition to standard coverage, you can get roadside assistance, rental car reimbursement, rideshare coverage, and mechanical breakdown insurance with Geico. The insurer also recently developed a usage-based insurance app, which is now available in some states.
Read more in our Geico auto insurance review.
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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