MGA Auto Insurance Review (2021)
MGA Insurance is family-operated and provides personal and business insurance products along with good driving and club membership discounts.
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Written by
Mathew B. Sims
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Reviewed by
Daniel Walker
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UPDATED: May 7, 2021
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- MGA Insurance Group is licensed for business in all 50 states in the United States
- MGA Insurance is family-operated and provides both personal and business insurance products
- MGA Insurance offers different discounts including those for good driving and certain club memberships
An MGA auto insurance review determines that this company has three offices in Florida. One is in Lakewood Ranch, the Bradenton area, and the other is in Sarasota.
MGA Insurance Group is licensed to conduct business in 50 states in the U.S. Its rating from A.M. Best is maintained at a “B+.”
MGA stands for Managing General Agent in the insurance industry; although, this company does not claim to specialize in appointing insurance agents.
MGA was acquired by Gallagher Insurance in 2014.
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How Is MGA Auto Insurance Good for Your At-Home Business?
Using your car to perform services related to your at-home business requires protection. Your personal auto insurance policy does not cover the commercial use of your vehicle.
This is why your insurance agent asks if you will use your car to drive back and forth to work. They also want to know approximately how many miles you anticipate driving annually.
Your homeowners’ insurance does not cover your business-related losses in the event you have to file a claim. Although your computer may be covered, monies lost from business interruption, heavy-duty copiers, and other obvious business-related equipment may not be covered.
Your agent will have the expertise to assist you, however, in obtaining commercial coverage such as:
- Errors and omissions
- General liability
- Business property insurance
If you have a break-in or fire at your residence, your homeowner’s policy will cover structural parts of the house while your business policy will protect your business losses.
If someone is hurt in the process of conducting business in your home office, there may be some discrepancy as to whether it falls under your homeowner’s or business coverage. You may have to file two claims for one occurrence in this example.
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How Does MGA Auto Insurance Cover You While on the Road?
While on the road conducting business, your commercial coverage protects you and your passengers in the event of a car accident.
If you use your personal vehicle for hire, your personal auto policy will not cover your auto insurance claim.
You must register and insure your vehicle for commercial use, even if your business is only part-time.
Your packages are protected in the event they are damaged in an attempt to make a delivery with business coverage.
As a customer, your policy is customized to fit the type of business conducted. You can work with your independent agent to create the best possible policy for you, giving you the peace of mind you deserve.
Your computer equipment is also protected while conducting business on the road if it is used for that purpose.
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Does MGA Auto Insurance Offer Discounts?
As a client, you can always simplify your insurance coverage by obtaining an umbrella policy or multiple policies with the same company to be eligible for multiple policy discounts.
Paying your premiums in advance can entitle you to an auto insurance discount as well.
Personal auto insurance policy discounts are available to those who qualify under the numerous possibilities.
Some discount entitlements are:
- Good driver
- Shrinking deductible
- Clubs and organizations
AARP and AAA are examples of some of the clubs you might mention to your agent.
Your down payment and premiums will be based on the answers you give to questions such as:
- Your zip code
- Gender
- Age
- Credit
- Make and model of vehicle
What Do MGA Auto Insurance Reviews Say?
Most of MGA’s policyholders are Florida and Texas residents, although they are licensed in 48 other states.
The company has one complaint on the Better Business Bureau site, and it was closed as if it has been resolved.
There are not many other reviews, although there were several people who indicated that it was a pleasure to do business with MGA. They said that this insurance company treats you like a person rather than a number whether that is during the quoting process, underwriting process, handling a claim, or dealing with any other questions.
More information is available about MGA on their website. To obtain online auto insurance quotes now, simply enter your zip code here!