Pacific Specialty Auto Insurance Review (2020)

Pacific Specialty doesn't sell auto insurance. It sells coverage for renters, homeowners, off-road vehicles, and boats. Enter your ZIP code to get instant quotes.

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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: Aug 13, 2020

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Company Details
Address: 2200 Geng Rd. #200
City: Palo Alto
State: CA
ZIP Code: 94303
Phone Number: (800) 303-5000
Year Founded: 1976
AM Best Rating: A
Company Rating 1 (4 reviews)

Things to Remember...

  • Pacific Specialty Auto Insurance is based out of California
  • Pacific Specialty does not sell auto insurance
  • Pacific Specialty offers insurance coverage for renters, homeowners, off-road vehicle owners, and boaters

This Pacific Specialty Auto Insurance Review will discuss Pacific Specialty Insurance Company and its subsidiaries.

Pacific Specialty Insurance has been around since 1976 and is based out of California, although it can sell insurance to the District of Columbia and all states.

It is the leader of a group of insurance companies known as the McGraw Group of Affiliated Companies. Unfortunately, Pacific Specialty Insurance does not sell any type of auto insurance.

If you would like to compare auto insurance quotes for this company or others in your area, just enter your zip code above!

Pacific Specialty Reputation

Pacific Specialty Insurance company is a very stable company, with an A rating from A.M. Best.

Their underwriting operations are profitable because the management’s operating principles are highly controlled and conservative.

They are experts when it comes to the core products that the company offers.

Their excellent rating is also due to their sound liquidity position, conservative balance sheet, and outstanding capitalization.

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Pacific Specialty Insurance Affiliates

Pacific Specialty Insurance leads a group of insurance carriers. McGraw Insurance Services is one of the largest writers of personal watercraft and motorcycle insurance in the nation.

Western Service Contract Corp. is an independent personal watercraft and motorcycle contract provider and one of the largest in the nation.

McGraw Powersports Group is made up of McGraw Personal Watercraft Insurance, McGraw Motorcycle Insurance, and Western Service Contract Corp.

Its commitment is to provide the dealers and customers of power sports products that are compliant and of value. Their goal is to protect enthusiasts of power sports and build customer loyalty.

Pacific Specialty Insurance Products

Pacific Specialty Insurance offers a variety of insurance products. It leads the insurance industry in personal watercraft and motorcycle coverage but offers others as well.

Pacific Specialty offers coverage for ATV/Off- Road, motorcycle, pleasure boat, personal watercraft, travel trailer, and motor home.

For property insurance, Pacific Specialty offers renters, homeowners, manufactured home, and condominium insurance. It also offers personal umbrella insurance.

Pacific Specialty Insurance Discounts

Pacific Specialty Insurance offers a number of different discounts to help you save money. They work much like auto insurance discount coverage.

For motorcycle insurance discounts options are:

  • Good driver
  • Safety course
  • Military
  • Anti-theft
  • Homeowner
  • Policy transfer
  • Multi-policy
  • ABS brakes
  • Experienced driver

For boaters, they are protective devices, boaters safety course, prior insurance, and multi-policy. For ATV and

For ATV and off-road vehicles, discounts include military, anti-theft, rider association, policy transfer, and multi-policy.

For homeowners, insurance discounts available include retirement community, multi-policy, home protection, gated community, roof replacement, and tile roof credit.

Discounts for motorhome insurance are multi-policy, mature driver, experience operator, and prior insurance.

For condo insurance, the discounts are fire and burglary alarm, multi-policy, and nine months of prior insurance with another carrier or Pacific Specialty.

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Pacific Specialty Insurance Careers

Insurance companies are usually looking for new members to join their team. Careers in the insurance business cover a variety of positions. An obvious one is as an agent.

Agents are usually paid a base salary and then have unlimited income potential through performance-based commissions and bonuses.

Other careers with insurance companies include administrative assistants, customer service reps, corporate positions, and IT techs. Careers with Pacific Specialty can be found on their website.

Pacific Specialty Insurance Claims

One of the keys to any insurance company is how they handle claims. Filing a claim should be easy and convenient with options such as phone, email, mail, or online reporting.

The insurance company should be quick and efficient with the claims processing and keep you updated as to its status.

Although Pacific Specialty does not sell auto insurance, if you enter your zip code below, you will be able to compare auto insurance quotes now!




  1. Sean July 22, 2011
  2. Josh F January 8, 2012
  3. Susan February 2, 2014
  4. Susan February 2, 2014
  5. D August 7, 2018

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