Access Auto Insurance: Can they Meet Your Insurance Needs?
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Access Auto Insurance Review
Regrettably, especially in areas such as financial strength and customer service, Access hasn’t received the best reviews. To be fair, though, they have improved their BBB ranking in recent years from an F to a D+, so it looks like things might be improving for this young company.
| Ratings Agency | Rating |
| AM Best Financial Rating | B+ |
| Better Business Bureau Rating (2016) | D+ |
| Complaint Index (CA, 2013) | 2.01 (Worse than Average) |
Access Auto Insurance Discounts
Lots of different companies will try to offer unique discounts in order to try and attract new business. Based on the discounts in the chart below, it appears as though Acceptance is trying to increase market share with senior drivers, motorists who drive safe vehicles, and those who are worried about auto theft (and have equipped their vehicle with an anti-theft device to prevent it).
| Discount | % Savings |
| Anti-Theft Device | 15% |
| Anti-Lock Brakes | 15% |
| Persistency Credit | 12% |
| Multi-Car | 10% |
| Airbag | 8% |
| Mature Drivers Course | 5% |
| Good Student | 2.5% |
Access Auto Auto Insurance Options
It’s important to find an insurance provider who can give you the coverage you need. Some specialty providers might not offer as many coverage options, while others might offer so many choices that you aren’t sure which ones you need to purchase – and which ones you don’t. The choices that Access offers for their auto policies are:
- Bodily Injury and Liability Property Damage
- Collision/Comprehensive
- Medical Payments
- Uninsured/Underinsured Motorist
- Roadside Assistance
- Rental Reimbursement
- SR-22 Insurance
Comparing Access Auto Insurance Quotes
You can’t really know for sure that you’re getting the best rates on your insurance policy unless you compare quotes between multiple companies. But it looks as though it doesn’t matter whether you’re a teenage driver, a single adult, or part of a married couple; Acceptance will offer you coverage.
(*Based on California data)
Of course, the numbers in the chart above are examples of certain demographics. If you are a young male driver and have an imperfect record, your rates might actually be higher than what you see here. But the only way to know for sure is to compare Acceptance rates with those of other local providers based on your zip code.
Pros and Cons of Access Auto Insurance
| Pros | Cons |
| Some functionality to their website: printable ID cards are available directly online | Not easy to get claims department on the phone when you need them |
| BBB rating has improved in recent years | Majority of reviews on customer service tend to be quite negative |
Access Auto Insurance might not be the perfect insurance provider, but it could benefit you depending on your circumstances. They offer a wide variety of coverage options and discounts, as well as some online accessibility and payment options. On the other hand, it looks as though their customer service could be better; however, their improved rating with the BBB recently shows that things may be improving in that area.
Corporate HeadquartersP.O. Box 105171
Atlanta, GA 30348-5171
www.access.com
Phone: 770-234-3600
Fax: 770-234-3637