Freedom Auto Insurance

Research for a Freedom auto insurance review led us to Freedom Companies, an insurance company that sells auto insurance products to businesses and individuals.

Freedom is a no risk to high-risk coverage company which means they sell insurance products to people with DUIs, speeding tickets, and multiple claims as well as international drivers.

Something important that you need to know about Freedom Companies is that they are not a financially rated company.

Freedom is not rated with AM Best because they are an independent agency offering the products of several different insurance companies. They do state on their website that the companies they use are all rated as financially strong.

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Freedom Auto Insurance Policy

One of the nice things about Freedom is that they are one of the few companies still offering a 12 month policy for their 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 in order to increase your rates.

The downside is that if you had an accident in the past, you will have to wait longer for your rates to decrease.

Freedom also offers online bill pay. For those of you who prefer not to pay online, they do also accept drafts as well as direct bill, EFT, Moneygram, and Western Union payment options.

Freedom Auto Insurance Company Agents

Freedom products are only available in three states and their products are only available for sale through independent agents.

You cannot call Freedom directly and purchase a product, you will be referred to an agent in your area if their products are available to you.

Freedom insurance products are only available in:

• California
• Arizona
• Colorado

Unfortunately, Freedom does not provide an agent finding tool so that you can find a local agent.

In addition, they don’t clearly define the best way to find an agent that represents their company. This will slow down the process if you are interested in a quote from Freedom and you live in a state that they are licensed to sell their products.

Freedom Auto Insurance Company Claims

You can file a claim directly with Freedom. Unlike many other insurance companies that use independent agents, Freedom doesn’t recommend that you contact your independent agent before filing a claim with the company.

In this case, you will have the option of logging into your account on the Freedom website and filing a claim online, or you can call the claims department at 888-542-4222.

According to Freedom, you can file a claim 24/7. However, they don’t specify if you can talk to someone life 24/7 or if only the online option is available after normal office hours.

On the Freedom website, they provide you with a list of the things that you will need to do if you have an accident.

They recommend that you don’t wait any longer than necessary to call them to file your claim.

However, you will need some key pieces of information regarding the accident such as:

• Police report
• Name, address, phone number and driver’s license number for everyone involved in the accident
• List of witness from the accident
• Insurance information for all involved in the accident no matter who is at fault
• Photos of the accident scene, if possible

Once you have provided all of your information, you claim will be assigned to an adjuster. This can take up to two business days, which means their turnaround may not be as fast as you would like.

According to Freedom, they do a liability investigation of each accident before they pay out on a policy.

Freedom Auto Insurance Quotes

You can get a quote from the Freedom website.

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