Chubb Auto Insurance Review (2024)

What You Should Know About Chubb Group of Insurance Companies

Chubb has favorable reviews from major evaluating companies in the U.S. The company garners an A++ (Superior) financial strength rating with A.M. Best. Additionally, the company has an A+ rating with the Better Business Bureau (BBB).

While there are no Chubb reviews or ratings with J.D. Power, Chubb does have fewer than the average number of complaints for a company of its size, according to the National Association of Insurance Commissioners (NAIC).

With NAIC, the baseline for customer complaints is 1.0. The rating for Chubb Insurance, however, is 0.35. This indicates that customers are generally happy with the products and customer service they receive from Chubb. You can do more research online to learn what customers have to say about Chubb’s coverage and customer service.

If you’re considering Chubb, you should still shop around to compare quotes and see which insurance providers might work best for you. There’s no sense in paying more for coverage if you don’t have to.

What is Chubb Insurance?

Chubb is a high-end insurance company that offers high-end products to its customers. Chubb insurance is more expensive than insurance with many other providers, but Chubb offers one-of-a-kind coverage and customer service to its clients.

Chubb has several options for add-on coverage that helps keep policyholders comfortable. For example, the company offers car insurance coverage that helps customers stay in a nice car even when theirs is in the shop. In addition, they can rent a car that is similar to their make and model so they can stay accustomed to the finer things in life.

Chubb has a reputation for excellent customer service. The company is well-known for covering high-value cars and offering peace of mind to high-end individuals who don’t mind spending extra money for additional creature comforts.

With premium prices and exceptional service, Chubb has made a name for itself with its car insurance policies and other insurance options. However, Chubb Insurance is not the way to go if you’re looking for cheap rates. Instead, you should find and compare quotes from insurance companies in your area that offer reasonable prices on products.

What makes Chubb’s customer service so exceptional?

While Chubb is known for offering high-end coverage to its wealthy policyholders, the company does not have the number of complaints you might expect from a mainstream insurance provider. Instead, most customers are very happy with Chubb, even though they pay higher-than-average insurance rates.

So what’s the big deal about Chubb’s customer service? And why is the company so popular among its high-end clientele?

Chubb offers a vast array of services and coverage options that no other insurance company offers. With Chubb, clients can get VIP treatment 24/7, and most policyholders state that contacting customer service representatives is simple and quick.

Does Chubb have a mobile app?

One of the ways customers can stay in touch with Chubb and access customer service personnel is to download and utilize the company’s mobile app. Chubb National Insurance Company offers a mobile app to its users, allowing them to access their policies and do many important things at the drop of a hat.

With the Chubb app, policyholders can:

• View their policy. You can see the ins and outs of your car insurance policy via the mobile app.
• Pay their bills. You can set up recurring payments or pay in full on your Chubb app, allowing you to do everything straight from your phone.
• View and sign documents. You can add or replace a vehicle on your policy and access specific ID cards.
• Report a claim. While some companies only allow you to file a claim over the phone, Chubb makes it possible to file a claim on the company’s mobile app. You can file Chubb auto claims, upload necessary information, import pictures, and more.
• Check the status of a claim. After you’ve filed a claim, you can keep track of the claim and check the status on your mobile device.
• Use the Catastrophe tracker. The Chubb app allows the Catastrophe Tracker, a weather-alert system that keeps individuals privy to hurricanes, floods, tornadoes, and more.
• View complimentary or discounted services. You may have access to cybersecurity alerts and other services through Chubb. If so, the app allows you to keep track of all of these services and options in one convenient place.
• Sign up for notifications. Chubb will send you emails and SMS notifications about the status of a claim, updates on the Catastrophe Tracker, and more. You can sign up for these notifications via the mobile app.

The Chubb mobile app is a great way for customers to stay connected, and many individuals state it’s one way the company keeps them happy in terms of customer service perks. As you consider what matters most to you regarding insurance providers, you may find that Chubb’s customer service makes a big difference.

Still, you should shop around and compare quotes to make an informed decision before you commit to any insurance company.

Chubb Group of Insurance Companies Insurance Coverage Options

As with most car insurance providers, Chubb offers the mandatory coverages that each state requires. In addition, the company offers bodily injury, property damage, personal injury protection (PIP), medical payments (MedPay), and uninsured or underinsured motorist coverage.

Chubb also includes collision and comprehensive coverages so that people can purchase what many companies call a full coverage policy. This policy offers peace of mind, as you will be covered in virtually every scene in which you are injured or your car is damaged.

In addition to these coverage options, Chubb offers a variety of add-on coverages. Unfortunately, the company does not focus on cheap or affordable car insurance options. Because of this, most of the company’s policies are pricey. Still, many Chubb customers are satisfied with the company’s attention to detail.

Additional Coverages Offered by Chubb Insurance

Some of the additional coverages Chubb offers include:

• Rental reimbursement insurance. Most companies have an option for rental reimbursement coverage. Chubb goes above and beyond. The company reimburses up to $15,000 in rental car coverage if your car is in the shop.
• Original equipment parts coverage. While many insurers will only replace what’s necessary and do so as cheaply as possible, Chubb offers to pay for the manufacturer’s parts. These parts cost more, which is why Chubb’s collision coverage costs more than the average policy.
• Rental car coverage worldwide. Regardless of where you are, you can get worldwide coverage for rental cars. Chubb will cover a rental car with your insurance policy’s limits anywhere in the world.
• Removal of personal information. If your car is totaled, Chubb goes out of the way to remove your personal information. The company deletes data like GPS locations, phone contacts, and more.
• Lifetime repair guarantee. Chubb certifies a lifetime of repairs as long as they are done in a Chubb-certified auto shop.
• Lock and key replacement. You can get lockout services or a replacement key with your coverage without paying a deductible.
• Identity management coverage. If you suspect you’re a victim of identity theft or fraud, Chubb will help you. The company will connect you with a fraud specialist so you can learn exactly what needs to happen. The coverage helps you file police reports, develop a case file, and more.

In addition to these coverage options, Chubb also offers add-ons that may only appeal to specific customers:

• Ultra-high insurance limits. Chubb allows you to choose up to $10 million in liability coverage and uninsured or underinsured motorist insurance.
• Agreed value coverage. Chubb will agree with you on what your car is worth and pay you that exact amount if your car is stolen or totaled. This coverage protects you from getting the market value price of your vehicle.

Chubb could be a great option if you have a nice, high-end vehicle and are concerned with protecting it. The company coverages offer extreme protection and peace of mind if you’re ever in an accident or your car is ever totaled.

Still, the coverage options with Chubb may be a bit much for most people. If you’re at all concerned with saving money, you should look into coverage with other companies to see how much you may be able to save.

What other types of insurance does Chubb offer?

Along with auto insurance coverage, Chubb offers other types of insurance products. Depending on what you’re looking for, you may find that Chubb is a great fit for many of your insurance needs.

Some of Chubb’s other insurance options include:

• Homeowners insurance. Cover your home and other structures on your property with Chubb’s homeowners insurance coverage.
• Renters insurance. If you rent your home, ensure your belongings are protected with Chubb’s renters insurance coverage.
• Condo insurance. If you own a condo, you may need specialty coverage. Chubb is ready to help with its condo insurance coverage.
• Watercraft insurance. If you have a boat, jet ski, or other watercraft, you may want to consider Chubb’s one-of-a-kind watercraft insurance coverage.
• Umbrella insurance. If you’re worried your coverage won’t cut it, you can purchase an umbrella insurance policy with Chubb for additional property damage lawsuits or for legal help if needed.
• Travel insurance. Anyone who travels may worry from time to time that their trip will be a bust and they’ll lose the money they invested. With Chubb’s travel insurance, your trips will be protected no matter what.
• Classic car insurance. Chubb covers classic and collector cars along with covering standard, everyday vehicles. If you own classic cars, you may want to see what Chubb offers in terms of its vintage car insurance coverage.
• Valuable articles insurance. Chubb will cover the valuable articles in your home or those tucked away in a secure location.
• Farm and ranch insurance. A lot can go wrong on a farm. If you own a farm, you may get peace of mind by pursuing Chubb’s farm and ranch insurance coverage.
• Cyber insurance. With its cyber insurance, Chubb protects policyholders from identity theft and other cyberattacks. If you are attacked or anything is stolen, Chubb will reimburse you.
• Natural disaster insurance. Depending on where you live, you may encounter natural disasters fairly frequently. Chubb offers coverage and peace of mind for anyone who needs natural disaster coverage for their belongings.

If any of the insurance products above appeal to you, it’s worth the time it would take to contact a Chubb representative and learn more. Depending on what you are looking for, you may find that bundling your policies helps you save a significant amount on your overall premiums.

Some of the insurance options above may not be things you need. Still, it’s a good idea to consider certain coverages, like cyber insurance, for added protection against loss. Additionally, Chubb’s multi-policy discount options could make additional insurance coverage feel like an even better idea in terms of financial investment.

Chubb Group of Insurance Companies Insurance Rates Breakdown

You can expect auto insurance coverage with Chubb to be more expensive than with most other companies. This is because Chubb offers premium service but does so at a premium price. If you want to learn how much you would pay for a car insurance policy with Chubb, you can get a quote from the company.

The Chubb website states that it covers classic and collector cars and has a section where you can get a direct quote.

Your quote with Chubb will be determined by several different factors, such as:

• The make and model of your car
• Your age
• Where you live
• The amount of coverage you want
• Your driving record
• Your credit score

All insurance providers consider different factors when assessing a potential policyholder’s risk. Chubb is no different, but the company may give certain factors a different weight when compared to other insurance providers.

Chubb car insurance rates vary, but statistically, they will be fairly expensive when compared to companies like USAA auto insurance, GEICO auto insurance, and AAA.

Now compare those full coverage rates with liability insurance only.

Allstate often has the most expensive car insurance rates, but in many cases, Chubb is close to the same as Allstate in terms of cost. The one time that Chubb rates are not as expensive seems to be for teen drivers.

Chubb Rates Based on Age

In an assessment of cost for 18-year-old drivers, Chubb quotes were 22% more affordable than the average policy.

Chubb rates for teenagers are more reasonable when compared to the national average than its rates in other categories.

Chubb Rates Based on Driving History

If you have accidents or incidents on your driving record, you can expect your rates to be higher than average.

Chubb rates are no exception. Take a look at the table below to see how rates after getting one traffic ticket to rates with a clean driving record.

It will be no surprise that your rates will increase the most if you’re charged with a DUI. Take a look at the chart below for rates after a DUI.

You can see where it pays to pay follow driving laws and keep a clean driving record.

Chubb Rates Based on Credit History

Your credit history can also impact your car insurance rates.

Like other companies, Chubb’s rates for people with poor credit are more expensive than those with a good credit history.

Chubb is not the company you want if you intend to find cheap car insurance for your vehicle. But if you are looking for outstanding service and over-the-top coverage to keep you and your vehicle safe no matter what, Chubb may be a great company for you.

You can get a Chubb car insurance quote from the company website to see how much you would pay. Still, comparing any car insurance quote you receive with a quote from multiple providers is a good idea. There’s no reason you should overpay for coverage. Comparing car insurance quotes will help you determine which company is best for you and your family.

Chubb Group of Insurance Companies Discounts Available

As you can imagine, Chubb is not all that focused on offering discounts on its car insurance coverage options. Still, the company does offer a few discounts to certain clients.

If you’re interested in receiving a discount with Chubb, learn more about your options. You may need to speak with a company representative to ensure the discount is applied to your policy correctly.

The car insurance discounts Chubb offers to its policyholders include:

Not all discounts are available in all areas, but a discount can help you save a significant amount on your car insurance. If you believe you’re eligible, ask about discounts after you receive your initial quote to see how much you could save.

Keep in mind that other insurance companies offer discounts as well. So, if you’re searching for a company that will offer competitive rates, you should find and compare companies that offer the discounts you’re eligible for. This could help you save even more on your car insurance premium.