Freedom Auto Insurance Review (2023)
Freedom auto insurance (review below) is available to AZ, CO, & CA residents. Freedom National sells high-risk auto insurance to drivers with speeding tickets, DUIs, and multiple claims.
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Written by
Rachel Bodine |
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Reviewed by
Daniel Walker
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UPDATED: Sep 28, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 28, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
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Freedom Auto Insurance
Average monthly rate for good drivers:
$79A.M. Best rating:
N/AComplaint level:
LowPros
- Freedom Insurance provides auto insurance to businesses and individuals
- Freedom Insurance offers insurance to high-risk drivers and the general population
- Freedom is an independent insurance agency
Cons
- Freedom Auto Insurance is only available in three states (Georgia,Arizona, Utah)
- Freedom Auto Insurance is that it is not a financially rated company
The Bottom Line
Freedom Auto Insurance specializes only in online auto insurance policies, but the company strives to be the best in the industry by offering unique policies tailored to customers’ needs.
One of the nice things about Freedom is that it’s one of the few companies still offering a 12-month policy to customers.
The benefit of a 12-month policy is that if you have a car accident, the company has to wait until your policy expires before increasing your rates.
The downside is that if you had an accident in the past, you’ll have to wait longer for your rates to decrease.
Freedom also offers online bill pay. For those who don’t wish to pay online, they do also accept drafts as well as direct bill, EFT, Moneygram, and Western Union payment options.
Freedom Auto Insurance, also known as Freedom National Insurance, began in 1999 as an online auto insurance provider. The company still offers all of its services solely online.
Freedom is best known for providing auto insurance policies for people who require SR-22 policies or who have trouble finding coverage with other companies because they are the type of driver that needs high-risk auto insurance.
Freedom Specialty Insurance Rates
You can take a look at the table below to get an idea of what you might pay for auto insurance depending on how much coverage you decide to buy. The table shows average annual rates based on coverage levels.
| Coverage Types | Average Annual Auto Insurance Rates | Average Monthly Auto Insurance Rates |
|---|---|---|
| Comprehensive coverage | $150.36 | $12.53 |
| Collision coverage | $299.73 | $24.97 |
| Liability coverage | $516.39 | $43.03 |
| Total Full Coverage Cost | $954.99 | $79.58 |
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Smaller companies are often more personalized when it comes to customer service, as well. The auto insurance market is very competitive and reputation is one thing that smaller companies can use to their advantage since they are able to provide service on a more personal level.
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Freedom Specialty Insurance Discounts Available
Insurance providers vary in terms of what discounts they offer, but many discounts are standard throughout the industry.
The table below shows some of the most common auto insurance discounts available, an estimate of how much money each can save you, and the major auto insurance companies that offer the discount.
| Discounts Offered | Average Percentage of Savings | Auto Insurance Companies Offering Discounts |
|---|---|---|
| Low mileage/Low usage discount | Up to 20% | State Farm, Allstate, Travelers, Nationwide, Progressive |
| Defensive driving discount | 10%–15% | State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Farmers |
| Safe driver discount | 10% | State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Liberty Mutual |
| Military and federal employee discount | 8%–15% | Geico, Esurance, USAA |
| Good student discount | 5%–25% | State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Liberty Mutual |
| Senior/Mature driver discount | 5%–10% | Geico, Allstate, Liberty Mutual |
| Homeowner discount | 3% | State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Farmers |
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As you can see, it’s always a good idea to check with your insurance provider to see what types of discounts you may qualify for, as they can save you a lot of money on your auto insurance.
Freedom Specialty Insurance Coverage Options
The table below shows some of the different types of policies and coverages available to you, along with what they do.
| Auto Coverage Type | Purpose of Coverage |
|---|---|
| Bodily injury liability | Part of your liability coverage that pays for medical bills if you've injured someone else in an automobile accident |
| Collision | Covers damage to your car after an automobile accident |
| Comprehensive | Covers damage to your car that happens when you're not driving |
| Personal injury protection | Covers medical expenses for you or your passengers after an automobile accident |
| Property damage liability | The other part of liability coverage that covers the cost of any property damage you've caused in an automobile accident |
| Uninsured/underinsured motorist | Covers the costs if you're in an automobile accident caused by a driver with little or no car insurance |
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As a driver, you may have specific concerns about your coverage. For example, you may be wondering, “Will Freedom National cover a rental car?” This is a good question to ask your insurance agent to make sure that you have the coverage you need.
Frequently Asked Questions
#1 – Does Freedom Auto Insurance offer SR-22 insurance?
If you’ve had more than your fair share of traffic citations, automobile accidents, and/or auto insurance claims, you may be considered a high-risk driver. Normally, high-risk drivers are required to purchase SR-22 insurance, which is not available through all companies, so it may take some looking around to find coverage.
Freedom Auto Insurance actually specializes in SR-22 insurance and insurance for high-risk drivers, so if this is your situation, Freedom might be a good fit for you.
The filing fee to get SR-22 insurance is only $15-$35, but the increase in rates for SR-22 insurance when compared to rates for drivers without any driving violations on their records is definitely not pocket change. Rate increases for driving violations that result in a driver being forced to carry SR-22 insurance can be as much as $541 a month.
#2 – What kinds of questions should I be prepared for when purchasing my auto insurance policy?
When you apply for an auto insurance policy, you’ll be asked a series of demographic questions such as your name, age, sex, etc. You’ll also be asked a variety of other questions aimed at assessing your risk as a driver.
Some of the things the insurance company will want to know about are your driving record, the type of vehicle you’re insuring, and whether or not you’ve had any tickets or accidents in the past. Once this information is collected, the insurance company uses this data to assess your risk as a driver and to determine your policy rates.
This is known as the underwriting process. By using this method of risk evaluation, auto insurance companies are able to reduce their chances of losing money on issued policies. Through this process, the insurer can determine your risk factors and decide if they want to insure you, and if so, at what rate.
#3 – Are there benefits to using an agent to purchase auto insurance?
While it’s possible to purchase your auto insurance policy directly instead of through an agent, there are some possible downsides to doing so.
First of all, if you choose to go with a local agent, you’ll get the advantage of a more personalized service. This experience is just not possible when you purchase directly from a large company. With a local agent, it’s quite possible that you may speak to the same person about your policy every time.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
|
Written by
Rachel Bodine |
|
Reviewed by
Daniel Walker
|
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