Freedom Auto Insurance Review (2020)

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…

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.

In our Freedom Auto Insurance review, we’ll discuss how they are 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.

Whether you need high-risk auto insurance quotes or standard coverage, you can start comparing insurance rates right now. Enter your ZIP code below for your free online auto insurance quote comparisons!

Freedom Auto Insurance Rates

Are Freedom National’s rates the cheapest?

In some cases, choosing a local insurance agent can be better than a national company for your insurance needs. For one, these agents often act as brokers, meaning that they have more leeway when it comes to working with various insurance companies to customize a policy that’s right for you.

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.

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.

While specific rates for Freedom Auto Insurance are not available, the company claims to have the lowest rates in the three states they service which are Georgia, Arizona, and Utah. According to the Insurance Information Institute (III), Georgia drivers pay average rates of $1,127 a year for auto insurance. Arizona drivers pay $994 a year and Utah drivers pay $890 per year on average.

What is Freedom Auto Insurance’s availability by state?

Freedom Auto Insurance is only available in three states. The company’s products are available directly from its website.

Freedom National car insurance products are available in:

• Georgia
• Arizona
• Utah

If you are wondering, “Is there a Freedom insurance near me?” you can visit their website for freedom insurance agency locations.

If you would like to purchase a policy over the phone, you can contact the company at 1-888-542-4222.

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Freedom Auto Insurance Coverages Offered

One of the first things you’ll need to do when purchasing your auto insurance policy is to decide how much coverage you need.

If you’re financing your vehicle, your loan company may require you to carry full coverage insurance. Otherwise, you’ll need at least the minimum amount of liability insurance required by your state of residence.

You can take a look at the table below to see what the minimum requirements are for each state in which Freedom Auto Insurance offers coverage.

Auto insurance is primarily meant to protect you in the event that you’re involved in an automobile accident and need to file a claim. If you choose to purchase more than your state’s required minimum liability insurance, you’ll need to choose your coverage and deductible levels based on your needs and budget. Other types of auto insurance coverage you might consider include:

• Roadside Assistance – This type of coverage is designed to help if your vehicle breaks down. It can be used to pay for towing services, tire changes, etc.
• GAP coverage – This addition to your auto insurance policy helps pay off your auto loan if your vehicle is totaled or stolen.
• Medical Payment Coverage – This type of coverage may help pay for costs such as hospital visits, surgery, x-rays, etc. if you or your passengers are injured in an automobile accident.
• New Car Replacement Coverage – This type of coverage is only available in some states and from certain companies and will pay to replace your vehicle in the event of an accident.
• Pay-As-You-Go Insurance Coverage – This type of insurance offers rates based on your individual driving habits and is only available in some states and through certain companies.

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.

The table below shows some of the different types of policies and coverages available to you, along with what they do.

Keep reading to learn more about your options with Freedom Insurance.

What are Freedom Auto Insurance’s bundling options?

Many auto insurance providers offer different bundling options. Bundling your insurance refers to purchasing multiple policies from the same company.

For example, you can purchase your auto insurance policy as well as your life insurance from the same company if you choose. Most insurance companies offer a discount of anywhere from five to 25 percent to customers that bundle their policies.

Check out the video below to learn about the pros and cons of bundling.

Since Freedom Auto Insurance only offers car insurance, bundling with Freedom is not an option, but they do offer other ways to save money on your auto insurance policy.

Many companies also offer multi-car discounts. You can think of this as a way of bundling as well, but in this case you’re buying auto insurance for multiple vehicles. Auto insurance companies offer up to a 25 percent multi-car discount on combined policies.

What are discounts offered by Freedom Auto Insurance?

You may be wondering, “Am I getting the best deal with Freedom National?” There are a lot of things that can help you save money on your auto insurance policy, like discounts, for example.

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.

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.

What programs are available from Freedom Auto Insurance?

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.

Canceling Your Freedom Auto Insurance Policy

Freedom Auto Insurance understands that there are many reasons that people need to cancel their auto insurance policy. For this reason, they make it fairly simple to cancel your auto insurance policy should you need to do so.

Watch the video below to get an idea of what to expect when canceling your auto insurance policy.

Keep reading to find out more about policy cancellations and filing claims.

Is there a cancellation fee?

Freedom Auto Insurance does not charge a cancellation fee if you need to cancel your policy.

Is there a refund?

Whether or not you can get a refund on your policy depends on the type of policy and when you choose to cancel. If you choose to cancel a refundable policy in the middle of the policy cycle, you’ll receive roughly half of what you paid, assuming you only paid for that cycle.

Since refund amounts may vary and depend on a variety of factors, it’s always best to check with your insurance agent to see what factors apply to you.

How do you cancel?

What should you do if you need to cancel your policy?

You can cancel your policy at any time simply by contacting your auto insurance agent and letting them know that you’d like to cancel your policy. Your agent will tell you when the changes will take effect and whether or not you’re entitled to a refund of any policy premiums you have paid in.

When can I cancel?

You can cancel your policy at any time simply by contacting your auto insurance agent and letting them know that you’d like to cancel your policy.

Once you’ve canceled your policy, any excess premiums will be refunded to you promptly.

How to Make a Freedom Auto Insurance Auto Insurance Claim

You can file an auto insurance claim directly with Freedom Auto Insurance.

In the event that you need to file a claim, you can log into your account on the Freedom website and file a claim online or you can call the claims department at 888-542-4222 during their regular business hours of Monday–Friday 8 a.m. to 5 p.m. PST.

Take a look at the video below to get an idea of what to expect during the claims process and what to do if you’re involved in a car accident.

The Freedom website provides you with a list of the things you’ll need to do if you have an accident.

Freedom recommends that you file your claim as soon as possible.

However, you will need some documents and information relating to 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’ve provided all of your information, your claim will be assigned to an adjuster. This can take up to two business days, which means the turnaround may not be as fast as you would like. According to Freedom Auto Insurance, the company conducts a liability investigation of each accident before paying out on a claim.

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How to Get a Freedom Auto Insurance Quote Online

From anywhere in the nation, freedom quotes can be obtained from the Freedom website by providing your information in the quote box. You may be required to create a freedom car insurance login. Quotes for this company are also available on the ACCC insurance quote site.

You will need to provide some basic information such as your name, address, sex, etc., as well as information about your vehicle, driving record, and so forth. AFter the quote, you can choose to take out a new Freedom insurance policy or keep shopping.

If you’re in the process of comparison shopping for auto insurance, you can see that having to enter your information into various company websites can be pretty time-consuming.

If you’d like to review auto insurance rates from several companies at once, consider using our free auto insurance quote tool.

Freedom Auto Insurance: Auto Insurance Ratings

Something important that you need to know about Freedom Auto Insurance is that it is not a financially rated company.

Freedom Auto Insurance has not been evaluated by credit rating agency A.M. Best because it is an independent agency offering the products of several different insurance companies.

A.M. Best does feature customer reviews for Freedom Auto Insurance, but unfortunately, they are mostly negative. Freedom does state on its website that all of the companies it does business with are rated financially strong.

Freedom Auto Insurance: Auto Insurance History

Freedom Auto Insurance has been offering online auto insurance policies since 1999, specializing in SR-22 policies and coverage for high-risk drivers.

The company prides itself on offering coverage and exceptional customer service in Georgia, Arizona, and Utah.

How is Freedom Auto Insurance’s online presence?

Freedom Auto Insurance offers all of its services online through its website. The company does not use independent agents or local offices.

The site offers options to get a quote, file a claim, make changes to your policy, and a variety of other functions.

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Design of Freedom Auto Insurance Website/App

The company’s website is well organized and provides information on all the services offered, how to get an online quote, how to file a claim, and much more. The company does not offer a mobile app at this time.

The Bottom Line

Now that you know all you need to know about Freedom Auto Insurance, we hope you’ll feel more confident in purchasing your policy.

Which part of this guide was most helpful to you?

Whether you need high-risk or standard coverage, you can compare rates now. Enter your ZIP code below and get auto insurance quotes from multiple companies in just a few short minutes.

Frequently Asked Questions: Freedom Auto Insurance

In this section, we answer some of the most commonly asked questions about Freedom Auto Insurance. Some of the answers may have been covered in part or in full in the guide above.

#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 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.

Many people believe that buying directly from the company can save them money by cutting out the figurative “middleman,” but this theory fails to take into account the large budget that these companies use for direct marketing. This can even the playing field when it comes to price, meaning a local agent can often offer you the same prices you could get by buying directly from the company.

#4 – How does adding drivers to my auto insurance policy affect my rates?

Adding another driver to your auto insurance policy means that your car will be spending more time on the road since it’s a shared vehicle. That alone is enough to raise your rates, but adding someone else to your auto insurance policy also means that your rates will be affected by that driver’s perceived risk, as well.

For example, adding a teenager to your policy can raise your auto insurance rates drastically since teenage drivers are inexperienced, and auto insurance companies see them as high-risk drivers, whereas adding your spouse might not raise your rates quite as much.

There are restrictions about who you can add to your auto insurance policy. Most companies will only allow you to add people in the same household to your auto insurance policy. Always check with your auto insurance provider to see who you can add to make sure that whoever is driving your vehicle is covered on the policy.

#5 – Why would my provider cancel my auto insurance policy?

Your auto insurance provider may cancel your policy if you do any of the following:

• Fail to pay your auto insurance premium
• Get your driver’s license suspended or revoked
• Lie during the application process

If you’re found to be a high-risk driver, your auto insurance company can choose not to renew your policy, but since Freedom Auto Insurance specializes in this type of insurance, you shouldn’t need to worry about that happening with this company.