Arbella Insurance Review – Auto, Home & Renter’s
First founded in 1988 in Massachusetts, Arbella Auto Insurance offers home insurance, business insurance and auto insurance to Connecticut and Massachusetts drivers. The company prides itself on being customer focused. They are a leading provider of affordable private passenger car insurance in the New England area. Their network of professional independent agents works to find you car insurance discounts as well as offers advice on how to tailor your coverage to meet your needs. According to Arbella, their claims department is one of the best in the insurance industry.
Arbella Auto Insurance Reviews
Arbella is a mutual insurance company, which means that the organization itself is owned by the policyholders. Profits are distributed to policyholders and results in a reduction in premiums, while losses can gain increases in policy costs. This type of business set up keeps a company focused on its customers, those who own their company as a whole.
Arbella Auto Insurance offers:
- No-fault personal injury coverage for everyone in your vehicle;
- Loss protection including property damage and bodily injury;
- Physical damage coverage for your car, whether because of a fire, flood, theft, vandalism or accident.
Arbella BBB Reviews
Arbella Insurance has an A+ rating with the Better Business Bureau. According to the BBB, some factors that raised their rating include the complaint volume filed with the BBB for a business their size, their response and/or resolution to the 25 complaints against them and the length of time they have been in business. They have had 11 Billing/Collection complaints and 14 problems with Product or Service. All 25 complaints have been closed and resolved amicably.
Arbella Insurance Online Complaints
ExpertInsuranceReviews.com deems Arbella Insurance a good choice for those living in their coverage area. While they focus on local business, they do offer an affordable insurance package for Connecticut and Massachusetts drivers. They mentioned that the number of positive reviews the company received with the BBB was impressive for a company of their size. Consumer feedback received a great rating while the claims process was the lowest scoring rating. Overall, Arbella earned a 3 out of 5 stars rating.
Most of the reviews on Yelp, a local business review website, offer 5 star ratings praising the customer service from local Arbella Auto Insurance agents. Other reviewers mentioned never understanding why people bought insurance with a local business, but after working with his agent he understand how much they knew about their driving needs because they lived in his town.
Car-Insurance. Credio gives Arbella a 88 out of 100 rating. Customer experience ranked 4.9 out of 5, which is impressive for any business. The auto body shop reviews ranked 4.2 out of 5 showing fairness and ease of claims processing for customers. Financial strength ranked at only 3.5 out of 5, most likely because of the size of the company and its limited growth. Other ratings include the J.D. Power’s Assessment was 3 out of 5 and the customer support rating.
Some highlights of the company, as noted by Car-Insurance.Credio include easy to deal with customer service and great discounts and bundling options. Some discounts include up to 7% for having taken a defensive driving course, up to 10% off for military employees or veterans, up to 10% for being a good student, up to 5% for engaged couples, up to 15% for low mileage and up to 36% for having a car with an anti-theft device. Some cons include a lack of a 24-7 hotline for claims or questions and general contact is limited to just normal business hours unlike other larger insurance companies.
Arbella Insurance Financial Health
Arbella Insurance has an A- AM Best Financial Strength rating with a stable financial outlook as well as an A- AM Best Issuer Credit Rating. Better Business Bureau gives the local insurance company an A+ rating. Arbella earned a .11 rating (excellent) from NAIC in 2013 and earned over $600 million in 2011 alone (their last reporting).
Arbella Insurance Product Reviews
Arbella offers a wide variety of auto, home and property insurance for a variety of consumers.
This bundle includes auto insurance and renters insurance. When you sign up for car insurance with Arbella, you can pay as low as $3 a week for renters insurance in case of break-ins, fires or bursting pipes.
Arbella offers loss protection for bodily injury or property damage to others in case of an accident as well as no-fault personal injury coverage for everyone in your car and physical damage coverage for your car in case of accident, fire, theft or vandalism. Additional car insurance coverage include auto loan/lease gap endorsement, which provides you the difference between the actual cash value of your car and the balance you owe on your lease or loan. This is especially great if you drive new vehicles often.
Accident forgiveness waives any surcharge points that you would acquire from an accident as long as you have this coverage on your active Arbella insurance policy. Pet protection coverage offers up to $500 of veterinary fees if your dog or cat is in your car during an accident. The Customer Care Package is available at no extra charges (for qualifies policies) and offers Enhanced Substitute Transportation Coverage, Enhanced Towing and Labor as well as New Vehicle Replacement Coverage. The Personal Property Package offers coverage for personal belongings such as laptops, child car seats and PDAs or Smartphones. The snowplow endorsement offers a $200 deductible for any loss incurred for a snowplow installed. Lastly, the Original Equipment Manufacturer Parts offers coverage for any damaged property from a covered claim to be replaced with only original manufacturer parts.
Condo insurance offers coverage for any permanent fixtures in your condos whether countertops, ceilings or walls. It also covers any loss because of vandalism, theft or fire as well as any personal property damage or loss such as appliances, clothing, electronics or furniture. It also covers any legal responsibility or court expenses that may be incurred in the event that you are sued for property damage or bodily injury as a result of negligence. Medical payments to others for injuries caused by your pet are also covered.
This type of coverage offers protection to your property and home due to weather, frozen pipes, fire, theft and more. It also protects you from any personal liability for bodily injury to others or any property damage of others as a result of your negligence or by your pet.
This coverage provides protection against loss for property damage or bodily injury, coverage for the bike if damaged because of theft, vandalism or an accident as well as any towing and labor if the bike breaks down and/or substitute transportation in the event of an accident. A 10% discount is available if the driver completes a motorcycle rider-training program. Those 65 or older also receive up to 25% off their motorcycle insurance policy.
Arbella Coupons and Discounts
A variety of discounts are available for military personnel, seniors, students and more! Any customer can receive a discount if they complete a defensive driving course (up to 10%). Talk to an Arbella Auto Insurance agent for more details on what discounts you can apply to your new policy. Save up to 15% when you switch to Arbella and combine your homeowners and auto insurance into one policy.
Arbella Insurance Rates
Contact a local Arbella Auto Insurance agent for a specific price and rate for your vehicle and requirements. Ultimately an insurance policy is based on the individual needs of the insured party. This means that every policy will be different and won’t be the same price. There are many factors that can alter the pricing and rating one will pay for their insurance policy.
Some of these factors include the type of policy they’re looking for, how much coverage you need for the policy, the age of the individuals on the policy, the driving record for those individuals, whether you’re paying the premium up front or through monthly payments, the number of people covered, the value of the items covered, the credit history of the insured, any discounts applied to the policy, whether you have completed driving school or not and where the property is located.
Arbella Auto Insurance offers countless discounts that may apply to you. Additionally the longer you are with a company, the more likely you can receive a loyalty discount from them. You might even qualify for a good driver discount, a good student discount or a discount because of your age. Other factors such as where you live and the crime rate in your area also influence one’s rate when looking for a rate quote for your next insurance policy with Arbella Auto Insurance.