Zurich Auto Insurance Review (2020)
Zurich auto insurance is available only though agents, and there is no Zurich car insurance quotes online. Zurich Insurance Company is an international group whose subsidiaries include Farmers Insurance.
Zurich auto insurance is just one of the many options out there you’ll come across when shopping around. What does Zurich Insurance offer and is it right for you? How can you find Zurich car insurance quotes? You don’t have the time to dig up all the Zurich auto insurance reviews and compare against the best auto insurance companies, but we do.
Is Zurich a good insurance company? We can help you to find out.
If you’re looking to find out how to get Zurich auto insurance quotes and learn more about their policies, we’ve got everything you need to know about this international company right here.
Whether you are considering Zurich car Insurance or just want a variety of quotes, we can help. Compare auto insurance rates right now. Just enter your ZIP code into our FREE tool above.
Zurich Auto Insurance Rates
You can visit the Zurich Insurance Website to get a quote for car, van, travel, housing, and business insurance. They have the following benefits:
- Car insurance for women has additional benefits along with a child accessories cover and handbag cover.
- There is 24-hour breakdown assistance for insurance claims in the Republic of Ireland and Northern Ireland.
- Claim bonus protection if you are hit by an uninsured driver.
- The company provides high-quality repairs with original manufactured parts that come with a guarantee of three years.
- An immediate discount is provided if you add your partner to your policy.
- In the case of van insurance, the coverage includes vehicles with up to four tons carrying capacity and windshield protection as standard on all policies, as well as third-party property damage, but no introductory claim discount.
- It has a trailer policy that includes third-party coverage, with fire and theft or comprehensive coverage as an extra available option.
Zurich American Insurance Company does offer an online quote option, but it isn’t an instant process like what you would find through Geico or Liberty Mutual. The Zurich online quote system simply allows you to provide all of the necessary information an agent will need to provide a quote. Once you have entered all of the requested information an agent will reach out to you to provide a quote.
Because of this quote system, we are unable to provide sample rates for Zurich products, but the chart below shows the average rates for full coverage by state:
Keep in mind that the rates above are for full coverage on personal auto policies, so you may not need that much insurance. The rates above are also averages as gathered by the National Association of Insurance Commissioners (NAIC), which means some people will pay much less and others will pay much more.
What is Zurich’s availability by state?
Zurich is a leading insurance company in Ireland that offers a range of insurances for cars, vans, and private motors, as well as home insurance to engineering and commercial properties. Being one of the largest insurance companies in Ireland, it has a national network of sales offices in Europe, Latin America, Asia-Pacific, and Zurich North America.
Zurich Insurance plc is a division of Zurich Financial Services Group, which was founded in 1872 and has its headquarters in Zurich, Switzerland. The insurance plan in Zurich auto insurance is regulated by the Central Bank of Ireland, and its registration number is 13460.
Their website indicates that they have a variety of coverages available in every state except California. In California, Zurich does offer some insurance options, but it appears that they are required to operate under another name.
While they do have insurance products in every state, their website makes it clear that not every product they carry is available in every state, so if you are interested in purchasing insurance through Zurich you need to reach out to a local agent who can guide you through their product line availability.
Zurich Auto Insurance Coverages Offered
Zurich doesn’t mention much about their basic auto insurance coverage on their website, probably because they want you to speak with an agent to make sure you are only being informed about products that are available in your area. They do, however, mention their wide variety of Zurich property insurance products:
- Fine art, jewelry, and other collectibles
- Home and contents – primary and secondary residences
- Kidnap and ransom
- Landlord property
- Personal auto
- Classic car insurance
- Personal umbrella insurance
- Private aviation
- Worldwide travel – both one-off trips and annual cover
- Yacht / Watercraft
Zurich doesn’t mention much about any of their coverages except their travel Insurance, which offers excellent benefits including:
- Emergency medical expenses
- Missed departure expenses
- Personal accident expenses
- Travel delay
- Loss of passport
- Legal expenses
All customer calls are recorded for prevention of fraud, and the claims are all recorded with the company and used in accordance with the Irish Data Protection Law.
What are Zurich’s bundling options?
It can be difficult to determine exactly what bundling options are available because Zurich does not offer online quotes, but many companies offer a discount for bundling your policies so the odds are good Zurich will do the same.
If you have more than one insurance policy with Zurich, it would be worth your time to verify with your agent that you’re receiving a multi-line discount as well as any other discounts that may be available to you.
What discounts are offered by Zurich?
Zurich doesn’t mention discounts on its website, but insurance companies offer a wide variety of discounts to lower your insurance costs. Below is a chart of some of the most common discounts and the companies that provide them:
|Discounts||AAA||Allstate||Esurance||Farmers||Geico||Liberty Mutual||MetLife||Nationwide||Progressive||Safeco||State Farm||Travelers||USAA|
|Adaptive Cruise Control||x||x||x||x|
|Daytime Running Lights||x||x||x||x||x||x||x||x||x||x||x|
|Electronic Stability Control||x||x||x||x||x||x|
|Forward Collision Warning||x||x||x||x|
|Lane Departure Warning||x||x||x||x|
|New Customer/New Plan||x||x|
|On Time Payments||x||x|
|Seat Belt Use||x|
|Students & Alumni||x||x||x||x||x|
Keep in mind that insurance companies update their discounts all the time. You may want to verify the current available discounts with your agent when you sign up for a policy. Zurich personal insurance and Zurich commercial insurance will offer different discounts as well, so businesses will need to do their research on possible discounts before signing up for a policy.
What programs are available from Zurich?
Zurich offers a variety of specialty programs designed for both personal and commercial insurance policies, but they do not provide much detail on their website. Typical auto insurance programs are safe driving apps, discount coupons, online learning programs, and accident forgiveness.
Some of these programs are free, such as discount coupons and online learning programs, and some programs come at an additional fee, such as accident forgiveness. Safe driving apps are a separate type of program that could save you money or cost you money, depending on how you drive.
Canceling Your Zurich Auto Policy
If you have a policy through Zurich you will need to reach out to your agent to cancel your coverage.
For someone looking to cancel their personal auto insurance, there are two ways to cancel your policy. First, if you signed up for coverage with an independent agent, reach out to that agent to help you cancel your insurance policy. Second, if you signed up directly with a company, you can call their customer service department or potentially even cancel your policy online, if your insurance company provides that option.
Is there a cancellation fee?
Cancellation fees are usually determined based on state laws and regulations, so it is important to look at your local laws to know how much, if anything, an insurance company can charge you for a cancellation fee.
There is no indication of whether or not Zurich charges a cancellation fee listed on their website.
If your agent is helping you cancel your policy they can tell you about any cancellation fees you may be charged and what, if anything, you can do to avoid them.
Is there a refund?
The Zurich website doesn’t say anything about a refund of premiums, but many insurance companies will refund unused premiums when a policy is canceled. For example, if you paid your premium through the end of the month but cancel your coverage effective the 26th, you may be entitled to a refund of the premium you paid for the 27th through the 31st. You typically cannot get a refund for any time during which you were actively covered, whether or not you filed a claim.
If you purchased a policy through an agent, reach out to them when you are canceling your coverage to find out whether you may be due a partial refund.
How do you cancel?
Because Zurich policies are only available through an agent, you’ll need to work with your agent to cancel your coverage. This is the case whether you signed up through a Zurich agent or an independent agent.
Individuals insured through other companies that purchased a policy directly can call their insurance company’s customer service number to have their policy canceled by phone. Some companies even have online systems that allow you to terminate your policy over the internet.
When can I cancel?
Most companies allow you to cancel at any time, but this isn’t universal. Typically your coverage would be canceled at 11:59 p.m. and started at 12 a.m., but you will need to verify this at the time of your cancellation.
How to Make a Zurich Auto Insurance Claim
At Zurich, each claim is treated with the importance and urgency it deserves. A claims agent will be assigned to help you through the claim procedure and you will be given a unique claim reference number that you have to know when contacting the company again. The company uses an easy-to-follow documentation procedure and ensures that the claim is dealt with by a trained specialist.
The company will settle the claim within 10 days as soon as investigations are done.
If you are not from Ireland or do not live in Ireland, you do not have to wait around for the verdict or insurance company response on your claim. Zurich will arrange for the nearest repair shop to fix your vehicle as per quality norms and provide a three-year guarantee on repairs.
Fraudulent claims will be fully investigated by the FBI and other regulatory agencies. If the vehicle is beyond repair, you will need to make arrangements to collect, store, and dispose of the vehicle.
Zurich Auto Insurance Ratings
A company’s financial ratings indicate how likely they are to be able to pay all their claims. There are several companies that provide financial ratings, including A.M. Best, Moody’s, and S&P, to name a few.
|Zurich Insurance Group||S&P||Moody's||A.M. Best|
|Zurich Insurance Company Ltd||AA-/positive||Aa3/stable||A+/stable|
|Zurich American Insurance Company||AA-/positive||N/A||A+/stable|
|Zurich Insurance Public Limited Company||AA-/positive||N/A||A+/stable|
As you can see in the table above, Zurich is generally given a high rating, which is a good thing for their customers.
Zurich Auto Insurance: The Bottom Line
Zurich Insurance is a dynamic company that serves customers in more than 170 countries. The company exudes a culture of enthusiasm, competitiveness, and innovation. They have many products available, from Zurich VSC protection to Zurich roadside assistance.
They don’t offer online quotes and you will need to work with an agent to sign up for a Zurich policy.
If you are looking for online quotes for auto insurance in your area, enter your ZIP code into our FREE tool below.
Frequently Asked Questions: Zurich Auto Insurance
#1 – Is Zurich auto insurance any good?
Yes, Zurich offers a high-quality auto insurance product with options including Zurich gap insurance. The difficulty lies in finding out exactly what coverage is available to you and what their rates are, which involves reaching out to an agent for assistance.
#2 – Is Zurich extended warranty worth it?
Are Zurich warranties good? As far as extended warranty products go, Zurich offers a fine product. Whether or not an extended warranty is worth the purchase depends on what you are getting a warranty for and whether or not you can absorb the cost of replacing it. Their extended warranty isn’t available everywhere, so you will need to reach out to your agent to find out if it is available to you.
#3 – What does Zurich’s comprehensive warranty cover?
Zurich’s comprehensive warranty is essentially car maintenance insurance. It does cover rental reimbursement and trip interruption, but the bulk of the benefit covers emergency roadside assistance, engine, transfer case, transmission, drive axle, suspension, steering, brakes, heating/cooling, electrical, and interior/exterior issues. There is no mention of a Zurich shield warranty among their comprehensive warranty information.
#4 – Who is Zurich Insurance owned by?
Rather than being owned by another company, Zurich appears to be the parent company of many other insurers, including Farmers Auto Insurance. Is Zurich a good company to work for? Being such a large company, employee experience will vary widely.
#5 – Where do I file Zurich insurance workers compensation claims?
You can file all claims on the Zurich claims website.
#6 – What is the difference between Mopar and Zurich?
When it comes to Mopar vs Zurich, the only direct comparison is that they both sell extended warranties. Zurich offers a variety of insurance coverages while Mopar sells vehicle parts and services, but they both offer a warranty product. The best way to compare the two would be to contact each company directly for a quote on their warranty products.