Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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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 exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 17, 2020

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Company Details
Address: PO Box 60545
City: Oklahoma City
State: OK
ZIP Code: 73146
Phone Number: 888-I-GET-GHS
Website:
Year Founded:
AM Best Rating: A-
Company Rating 0 (0 reviews)

UPDATE: This company has been forced out of the property and casualty market as of 2012 after suffering heavy losses.

Things to Remember...

  • GHS has two products: auto insurance for individuals and groups and an umbrella liability policy for individuals
  • GHS only offers policies to good drivers who have good driving record
  • The group auto insurance policies offered by GHS are for Texas-based companies who want to offer discounted insurance policies to their employees

GHS Insurance is a company known as Group Health Service. This name may seem to imply that it is a health insurance company, but it is actually an auto insurance company selling individual and group auto insurance.

Being a subsidiary of a health insurance company gives GHS a strong financial backing to write affordable auto policies.

GHS basically has two products: auto insurance for individuals and groups and an umbrella liability policy for individuals. Focusing on such a limited product allows GHS to offer specialized policies available at a price that is affordable.

Focusing on such a limited product allows GHS to offer specialized policies available at a price that is affordable to customers and businesses. Focusing solely on auto insurance also makes agents very knowledgeable when it comes to policies, claims, and coverage amounts.

To compare and receive several auto insurance quotes so you can get your best deal, enter your ZIP code in the free box now!

GHS Auto Insurance Policies

GHS only offers policies to good drivers who have good driving records. By doing this, GHS policyholders don’t have to experience rate increases to try and make up for high-risk drivers who have been reckless.

This allows GHS to increase coverage options without increasing rates and reward good drivers with good rates.

Having a good driver only policy means that GHS looks for customers who have:

  • Seven years or more of driving experience
  • Three years without an at-fault accident
  • Three years with only one not-at-fault accident
  • No more than one minor moving violation in the past three years
  • No more than one weather-related claim in the past three years
  • Or a combination of no more than two of the above-listed incidents

Even with a good driver policy, GHS still offers discounts to its customers.

Auto insurance discounts offered include an airbag discount, anti-lock brakes discount, an anti-theft device discount, a multiple car discount, a multiple policy discount, and a good grades discount.

The group auto insurance policies offered by GHS are for Texas-based companies who want to offer discounted insurance policies to their employees.

The company registers with GHS and then if employees decide to purchase a policy through GHS, they will receive a discount.

The umbrella policy offered by GHS is for individuals who have an auto policy with the company, have a personal liability policy, and are planning on applying the coverage for their individual use.

The umbrella policy covers any gaps in other personal liability coverage. It protects your assets in the case of a legal suit that is brought against you.

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GHS Auto Insurance Company Reviews

GHS has recently completed a customer service survey to rate its service. Of course, it was conducted by the company itself so they have the option to share only the most positive feedback.

Taking this into consideration, all of the feedback from the survey is positive and no negative feedback was noted.

The ratings that were listed in the customer reviews were all in the 94-100 percent category.

The categories that were reviewed are:

  • Quickness in answering calls
  • Accuracy of information
  • Ability to answer questions
  • Quickness of giving a quote
  • Overall professionalism

Also, 97 percent of customers said they would recommend GHS to friends and family.

Furthermore, customers state that the insurance agents and customer service representatives that they talked to were well-organized, understandable, and informative.

Agents were found to be friendly and willing to go the extra mile. The location of agents across the state was another positive aspect noted by customers.

A review from an independent rating company rated GHS as an A- or excellent.

This means that the company was found to be financially stable and able to meet its financial obligations.

Like most insurance companies, GHS puts money aside in case of a natural disaster that would cause many claims to be filed at once.

The Texas Department of Insurance also regularly reviews the insurance companies that are licensed with the department. When GHS was reviewed by the Department of Insurance, it was given an excellent rating.

The company was found to be consistent in meeting its financial obligations and paying claims that had been filed.

If you are looking for auto insurance, compare FREE auto insurance rates now by entering your ZIP code in the box below!

References:

  1. https://www.statefarm.com/insurance/auto/discounts
  2. https://www.nationwide.com/cheap-car-insurance-quotes.jsp
  3. http://www.investopedia.com/terms/u/umbrella-insurance-policy.asp
  4. https://www.travelers.com/personal-insurance/home-insurance/types-of-coverage/liability-insurance.aspx
  5. https://www.thebalance.com/does-car-insurance-cover-a-natural-disaster-527194