Explorer Auto Insurance Review (2020)

Looking at Explorer auto insurance? They offer personal and commercial insurance coverage for auto, property & casualty, earthquake, and worker's compensation.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Oct 10, 2020

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Company Details
Address: P.O. Box 906
City: Santa Clarita
State: CA
ZIP Code: 91380
Phone Number: 800-788-8984
Year Founded: 1981
AM Best Rating: A-
Company Rating 0 (0 reviews)

Things to Remember...

  • Explorer is part of the Insurance Companies of the West (ICW Group)
  • Explorer provides auto insurance for both personal and business needs
  • Explorer uses independent insurance brokers and agents to sell its products

This article will review the San Diego, California-based Explorer Insurance Company and the auto insurance products and services offered by the ICW Group, also known as the Insurance Companies of the West.

Explorer Insurance Company and its sister firm, Independence Casualty & Surety, offer multiple lines of property & casualty insurance, earthquake insurance, and workers’ comp policies.

ICW Group provides both individual types of car insurance, and business automobile insurance policies.

The ICW Group is owned by American Assets, Inc., a real estate investment trust that holds a substantial real estate portfolio in many top-tier real estate markets.

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Explorer Auto Insurance Company Overview

As part of the ICW Group, Explorer Insurance Company is considered a “super regional” insurance carrier by Demotech Inc. and Insurance Journal magazine.

In 2011, 162 insurance companies out of a potential field of 3,000 firms are identified as super regional insurance companies.

The classification, according to Demotech Inc., considers “multiple performance metrics, including broad geographic coverage, multi-line capabilities, and strong financial performance.”

Super regional insurers are considered financially strong and well-positioned in stable markets.

Explorer Insurance Company is permitted to sell insurance products in 17 states. California and Florida are the primary markets for the company.

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Explorer Auto Insurance Company Agents

Although the parent company, ICW Group, employs some proprietary insurance agents, Explorer Insurance Company markets and distributes its insurance products through a network of independent insurance brokers and agents.

Depending on the individual insurance broker or agent representing Explorer Insurance Company’s auto insurance products and policies, an individual client may receive two different auto insurance quotes for Explorer Insurance Company.

Explorer’s relationships with its independent producer network add value to the organization.

The company uses five strategies to develop strong working relationships, including:

  • Access to senior leaders of the company
  • Feedback to agent partners
  • Communication networks and tools
  • Strategic business development that benefits both partners
  • Community involvement

Independent insurance agents and brokers with an interest in marketing and distributing Explorer’s insurance products and services may submit an indication of their interest through the company’s website portal.

What kinds of insurance does Explorer Auto Insurance offer?

The company covers both standard and nonstandard or high-risk drivers and offers flexible premium payment plans to help clients maintain important auto insurance coverage.

Explorer insures individual passenger autos, vans, and trucks in California and Florida. Vehicle coverage includes:

  • Liability
  • Uninsured/underinsured motorist
  • Property damage
  • Vehicle damage
  • Nation Safe Drivers (emergency assistance)

Explorer also offers business auto insurance policies. The company’s target market is small businesses, such as self-employed persons, tradesman, craftsman, artisans, and others.

Policies may include standard and non-standard drivers.

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Explorer Auto Insurance Customer Service

Clients may report a claim 365 days a year, at any time around the clock.

To report a claim, Explorer’s customer service department recommends noting the following information:

  • Name, telephone number, and policy number of the insured
  • Time and date of the accident occurrence
  • Location of the accident
  • Description of other automobiles involved
  • Name, telephone number, and any information about other drivers
  • Policy report number and police reporting agent
  • Passengers, any injuries, and witnesses of the accident

After the claims process is initiated, Explorer’s adjusters work to settle the claim.

They review the police record of the car accident, contact any witnesses or drivers involved, and verify the other driver’s insurance coverage.

They work to inspect damage to the insured’s vehicle or any vehicles involved in the accident. The progress of your claims payment is part of the role of Explorer’s adjuster team.

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Explorer Auto Insurance Comparisons

Most people suspect they pay too much for auto insurance. 

If you haven’t compared your auto insurance rates with those from other auto insurance providers in a year or longer, take a moment to start the comparison process.

You won’t know how much money you may save on auto insurance rates unless you compare auto insurance quotes from other insurers. Get started by entering your ZIP code now!

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