Ultimate Insurance was founded more than ten years ago by two friends in Florida, with the idea of making car insurance shopping a simpler, faster process. With a technology-driven website that features the best available online tools, consumers can compare multiple auto insurance policies and pricing in minutes and then select a policy that best fits their needs. 

For many people, all the insurance jargon can be like learning a new language. So many people are confused as to what type of coverage and limits to buy. Ultimate Insurance guides consumers through the buying process and helps them choose the best policy type for their situation and budget. Most people end up saving both time and money with Ultimate Car Insurance.  

Ultimate Insurance’s mission is “To provide peace of mind through reliable, affordable, and customizable insurance solutions.” This customer-centric approach is evident in their award-winning website and dedicated customer service.

Ultimate Insurance Products 

Ultimate Insurance offers a wide range of insurance products designed to meet diverse customer needs. The company’s main offerings include:

Affordable Auto Insurance

Ultimate Insurance’s auto coverage is one of its flagship products. It includes:

• Liability Coverage: Protects you if you’re at fault in an accident.
• Collision Coverage: Covers damage to your car from a collision.
• Comprehensive Coverage: Protects against non-collision related damage (e.g., theft, vandalism).
• Personal Injury Protection: Covers medical expenses regardless of fault.
• Uninsured/Underinsured Motorist Coverage: Protects you if you’re in an accident with an uninsured driver.

Unique features:

• Accident Forgiveness: Your first at-fault accident won’t increase your premium.
• New Car Replacement: If your new car is totaled within the first year, they’ll replace it with a new one, not just pay the depreciated value.
• Rideshare Coverage: Extended protection for Uber and Lyft drivers.

Homeowners Insurance Coverage

Ultimate Insurance’s home insurance policies cover:

• Dwelling Coverage: Protects the structure of your home.
• Personal Property Coverage: Covers your belongings.
• Liability Protection: Covers you if someone is injured on your property.
• Additional Living Expenses: Pays for temporary housing if your home is uninhabitable due to a covered loss.

Unique features:

• Green Home Discount: Savings for homes with eco-friendly features.
• Home Systems Protection: Covers breakdowns of home systems like HVAC or electrical systems.
• Identity Theft Protection: Helps restore your identity if it’s stolen.

Life Insurance

Ultimate Insurance offers both term and permanent life insurance options:

• Term Life Insurance: Provides coverage for a specific period (10, 20, or 30 years).
• Whole Life Insurance: Lifelong coverage with a cash value component.
• Universal Life Insurance: Flexible premiums and death benefits.

Unique features:

• Living Benefits: Access to your death benefit if diagnosed with a terminal illness.
• Child Term Rider: Add coverage for your children at a low cost.
• Guaranteed Insurability: Option to increase coverage without a medical exam at certain life events.

Ultimate Insurance Pricing and Affordability

Ultimate Insurance positions itself as a mid-range provider in terms of pricing. The company has many affordable plans, like state minimum liability insurance for under $100 a month, and comprehensive coverage that starts at $190 a month. Attentive representatives are there to help you with any questions you might have on a new or existing policy.   

Ultimate Insurance Discounts and Savings Opportunities

Ultimate Insurance offers numerous discounts to help customers save even more. These include:

• Multi-Policy Discount: Save up to 20% by bundling auto and home insurance.
• Safe Driver Discount: Up to 30% off for accident-free drivers.
• Good Student Discount: Up to 15% off for students with good grades.
• Home Security Discount: Up to 20% off for homes with security systems.
• Loyalty Discount: Increasing discounts the longer you stay with Ultimate Insurance.
• Paperless Discount: Save by opting for electronic communications.
• Pay-in-Full Discount: Save by paying your annual premium upfront.

Customer Service and Claims Process

Ultimate Insurance has invested heavily in customer service and claims processing, aiming to provide a seamless experience for policyholders.

• 24/7 Phone Support: Available for all types of inquiries and claims.
• Online Portal: Manage your policy, pay bills, and file claims online.
• Mobile App: Access your policy information and file claims on-the-go.
• In-Person Agencies: Network of local agents for face-to-face support.
• Live Chat: Available on their website for quick questions.
• Social Media: Active presence on major platforms for general inquiries.

Industry Reputation and Financial Stability

Ultimate Insurance has consistently received high ratings from major financial rating agencies. A.M. Best has awarded the company an A+ (Superior) rating for financial strength, while Standard & Poor’s and Moody’s have given them AA and Aa2 ratings respectively. These strong ratings indicate the company’s robust financial health and ability to meet policyholder obligations.

In terms of industry reputation, Ultimate Insurance has won several accolades, including J.D. Power’s “Highest in Customer Satisfaction” award. The company is also known for its commitment to corporate social responsibility, with initiatives focused on road safety, disaster relief, and environmental sustainability. 

Ultimate Insurance Claims Process

Ultimate Insurance has streamlined their claims process to make it as efficient as possible:

1. Report the Claim: Can be done via phone, online, mobile app, or through an agent.
2. Claim Assignment: A dedicated claims adjuster is assigned within 24 hours.
3. Assessment: For property claims, an adjuster inspects the damage. For auto claims, customers can often use the mobile app to submit photos.
4. Evaluation: The adjuster reviews all information and determines coverage.
5. Resolution: Once approved, payment is typically issued within 48-72 hours.

Ultimate Insurance Company partners with a network of approved repair shops for streamlined service. They also offer a rental car service to keep you mobile while your car is being repaired.

Ultimate Insurance Company – Pros and Cons

The Final Word on Ultimate Insurance 

Ultimate Insurance stands out as a solid choice for those seeking affordable coverage with innovative features. While not always the cheapest option on the market, they offer value through their wide range of products, strong financial stability, and award-winning customer service. Get your custom auto insurance quote online and see how easy it is to save hundreds with direct rates. Save more money today on the coverage you need.