Lancer Auto Insurance Review (2021)

Lancer specializes in offering business coverage for tour buses, commercial fleets, and rental cars. It received an A- financial rating from AM Best.

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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 and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 13, 2021

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Company Details
Address: 370 West Park Avenue, P.O. Box 9004
City: Long Beach
State: New York
ZIP Code: 11561
Phone Number: 1-800-782-8902
Year Founded: 1982
AM Best Rating: A-
Company Rating 0 (0 reviews)

Things to Remember...

  • Lancer Insurance Company specializes in niche parts of the transportation industry
  • Lancer Insurance provides a variety of products through its subsidiaries throughout the country
  • Lancer Insurance uses independent agents to offer the different options for insurance

Lancer Insurance Company was established in 1982 after a merger between Lancer Financial Group, Inc. and Underwriters Insurance Company.

Immediately after the merger, the company sought to be licensed in all 50 states plus the District of Columbia and Puerto Rico. Those licensing goals were reached by 1985 and the Lancer Insurance Company was fully underway.

Today, it is one of the premier insurance companies providing coverage for the transportation industry.

Lancer Insurance Company is not your standard auto insurance coverage provider. It specializes in various niche portions of the transportation industry including coverage for tour buses, commercial fleets, rental car fleets, and the like. Many of their clients are bus companies as well as commercial transportation companies.

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What Agents Sell Lancer’s Coverage?

Lancer is one of many national insurance companies that work with independent agents at the local level. Lancer prefers to call them “producers” rather than agents, but they are essentially the same thing; they sell coverage for Lancer.

By using local agents Lancer is able to better serve the needs of its customers, while also helping its agents build and maintain a successful business of their own.

Lancer agents also represent other companies carrying the same lines of insurance.

The Lancer website provides an agent section where prospective new agents can find information about becoming part of the team.

Lancer provides the names, telephone numbers, and e-mail addresses of individuals heading up each of the company’s divisions.

Agents who wish to become a part of the Lancer team can contact the appropriate individual using that information. Lancer also provides an online form that can be filled out and submitted by agents who prefer that option.

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Where Is Lancer Insurance Company Located?

Lancer Insurance Company makes its home in Long Beach, New York but also has offices in North Carolina, Ohio, Texas, and Washington.

Its long-haul trucking division, which provides truck insurance for owner-operators and fleet companies alike, is located in North Carolina.

Novell Insurance Services, a Lancer subsidiary specializing in covering the needs of companies in the explosives industry, calls Dallas its home.

You can find contact information for each of the Lancer offices on the company’s corporate website.

How Do You Get Lancer Insurance Company Quotes?

Because of the nature of its business, Lancer does not provide an automated tool on its website.

Niche insurance products such as those sold by Lancer require too much customization on a per-customer basis to make a quote tool viable.

That being said, your local independent agent is the best place to go for a quote.

You may contact Lancer’s corporate headquarters to find an independent agent near you. They may also be willing to give you a quote over the phone at that time.

How Do You File Claims With Lancer Insurance Company?

As far as claims are concerned, Lancer provides five different claims offices for your convenience.

Four of those offices are established by region and handle the various claims.

All of the telephone numbers, addresses, and e-mail contacts for claims centers can be found in the claims section of the Lancer website.

You’ll also find detailed claims information on your policy documents.

As most insurance companies do, Lancer recommends customers contact them immediately following an accident or incident. This is especially important where commercial auto insurance is concerned due, to the potential for litigation.

Lancer provides a complete list on its website of information that the company will typically need for a claim. Customers are advised to review this list in order to make sure everything is compiled before contacting them.

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What Financial Ratings Has The Company Received?

Lancer Insurance Company has enjoyed consistent financial stability ever since its inception.

It consistently receives an “A-” or better rating for financial strength from A.M. Best as well as a stable outlook.

Both of these ratings indicate that Lancer is fully capable of making good on claims, satisfying short-term debt obligations, and meeting future obligations.

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