As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.
If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.
With inexpensive auto policies designed for customers who have less than perfect driving records, Freedom National Auto Insurance serves individuals in a select group of states. Drivers can enroll in coverage online and have easy access to ID cards, billing preferences, and more.
Who Benefits Most and Least from Freedom National Insurance?
- Customers who want to get a quote and purchase coverage online
- Individuals with an SR-22 or multiple tickets on their driving record
- Drivers who are shopping for low rates
Not the Best For…
- Those interested in bundling multiple types of policies together
- People who want a robust array of coverage options
- Anyone living outside of Georgia, Arizona, and Utah
Freedom National: Cheap car insurance for all
Drivers with troubled Motor Vehicle Reports may look to Freedom National as a great option, as the company offers auto policies that range from the minimum required to get on the road to more advanced options. Available in only three states, Freedom National is often described as easy to work with and a company that offers great rates.
However, customer service experiences do vary greatly, and there’s an overwhelming number of negative reviews online. The company doesn’t offer much in the way of extras when it comes to coverage or service, as it does not allow drivers to file a claim online or have a mobile app for policy management.
Freedom National Car Insurance Quotes and Discounts
Freedom National is very upfront about trying to save customers money, stating directly on its homepage that its rates are affordable. It’s essential, however, to always consider all of your options before making an auto insurance purchase. Some companies include additional discounts based upon your vehicle’s features or your driving history, so it’s recommended that you do some research first before opting for the policy advertised as the cheapest.
Drivers Can SAVE with these Discounts from Freedom National
Like many other auto insurance providers, Freedom National Insurance Services focuses on providing customers with the lowest rates possible. While its prices are already low, some drivers may be able to take advantage of an even cheaper premium with one of several discounts.
Freedom National offers up to 20 percent off for drivers with clean driving records and people with multiple vehicles insured on a Freedom National policy. It also offers 15 percent off for those renewing their policy, as long as they haven’t filed a claim in the past, and 5 percent off for those who pay for their policy in full, students who get good grades in school, and mature drivers.
Drivers Can SAVE with these Discounts from Freedom National
To see how Freedom National’s rates stack up to those from its competitors, Insurify’s data team compared insurance quotes from both Freedom National and its competitors. Below are the car insurance quotes for a 30-year-old female from Ellenwood, Georgia, who has a recent speeding ticket (for driving at 75 mph in a 50 mph zone) and a DUI from a year ago:
Freedom National’s quotes are quite low compared to those from its competitors, especially considering the high-risk driver profile. But again, just because Freedom National offers a low quote for this profile doesn’t mean it’ll have the lowest quote for you. You should always compare quotes before settling on which insurance company to buy insurance from. The process is easy and only takes a couple minutes — just use Insurify!
States Where Freedom National Car Insurance is Offered
While it is based in California, Freedom National only offers auto insurance coverage to drivers in three states: Georgia, Utah, and Arizona. Its policies tend to be on the more basic side and cater to high-risk drivers.
Click here to find the cheapest car insurance quotes in your state.
Freedom National Auto Insurance Coverages
If you’re looking for extensive coverage for your vehicle, Freedom National may not be the best choice for you. It designs its policies to be incredibly basic with the option of adding on additional coverages for each driver’s specific needs. When enrolling online, your minimum policy options will include the following:
There are two components to this essential coverage that will protect you in the case of an auto accident. Bodily injury coverage will ensure that you’re not paying out of pocket to cover another person’s medical expenses, and property damage coverage helps with the cost of repairing the other party’s vehicle damages. All states require that you have liability coverage, although the amount of coverage necessary will vary.
Drivers who are interested in more types of protection can also enroll in one or more of these coverages:
Just as it sounds, the collision portion of your auto insurance policy applies when you’ve been in an auto accident and helps to offset the cost of repairing your vehicle. An accident can happen in the blink of an eye, and even if you’re a safe driver, you may not want to buckle up without this type of coverage.
Not all damage to your vehicle occurs during a collision with another car, as scenarios like vandalism, a break-in, or even a tree falling on your hood can all equate to expensive repair bills. Comprehensive coverage handles these types of situations to ensure that you won’t have to pay to fix your vehicle.
Uninsured/Underinsured Motorist Protection
It’s important to have auto insurance so that you’re not responsible for paying out of pocket for someone else’s medical bills or vehicle repairs. Still, not everyone chooses to cover themselves in the same way. If you’re hit by a person who either has no insurance at all or who has such limited coverage that it wouldn’t pay much toward your damages, this type of protection will apply.
Rental Reimbursement Coverage
Life can be difficult if we no longer have a car to complete our usual tasks, and when your vehicle is in the shop for repairs, using a rental can become expensive quickly. With rental reimbursement coverage, you can opt for a set allowance per day that will help to offset this cost.
Whether you have a flat tire or your battery is dead, knowing that you can get towed to a repair shop offers an immense amount of peace of mind. With towing coverage, a popular roadside assistance option, Freedom National will cover the cost up to a designated limit.
Medical Payments or Personal Injury Protection
This type of coverage can help to cover expenses that you incur indirectly from an auto accident. Missing days at work, having to plan for childcare, and dealing with medical bills can add up quickly, so it’s nice to have a little extra help with this type of coverage.
Other Special Auto Coverages Offered by Freedom National Insurance
Although Freedom National will certainly cater to drivers who have excellent records on the road, its primary customer base is those who have less than ideal credit, a history of moving violations, or other challenges that make auto insurance challenging to afford. The company gears its coverage toward getting you back on the road with minimal out of pocket expense and thus doesn’t make any special coverage options available.
Other Insurance Products Offered by Freedom National Insurance
Bundling auto insurance with other types of policies is a popular option, yet Freedom National Insurance Services is committed to offering quality instead of quantity. The company only sells auto insurance, so customers looking for more coverage will have to purchase a policy through another organization.
How Can I Buy Auto Insurance from Freedom National?
Unlike other auto insurance providers that rely on customers connecting directly with an agent, Freedom National makes it easy to enroll in coverage. Drivers in covered states can obtain a quote online and purchase a policy that best meets their needs directly on the Freedom National website. Those who prefer to speak with a representative can call customer service for assistance. Freedom National partners with independent agents in both Arizona and Utah, thus expanding purchasing options for residents there.
While it’s very convenient to purchase auto coverage from Freedom National, keep in mind that obtaining a quote online will only provide prices for this one type of insurance.
If you’re interested in price shopping and want to guarantee that you’re getting the best policy for your needs, visit Insurify before you buy.
How Can I Pay for My Freedom National Car Insurance Policy?
As easy as it is to enroll in coverage, Freedom National makes it equally accessible to pay your premium in a variety of ways. It extends a variety of options to drivers, allowing you to pay your policy in full or choose one of the following:
- Create an account online and enroll in auto-pay at www.freedomgeneral.com
- Use your credit or debit card or an online check to pay each month online or over the phone at 1 (888) 542-4222
- Mail your payment via check to:
PO Box 7820
Newport Beach, CA 92658
- Utilize Western Union to remit each monthly payment
How Often Will Freedom National Increase My Premiums?
It can be difficult to concretely know if and when your auto insurance rate will be increased; however, Freedom National does provide some insight into how premiums are determined. Customer rates could potentially go up due to additional violations on your Motor Vehicle Report, other underwriting reports, or if you do not return forms by certain due dates.
How Does Freedom National’s Claims Process Work?
Getting into an auto accident can be frightening and stressful, but Freedom National ensures that a customer service representative will be available to help guide you through the claims process. Depending on your policy, you will need to file your claim by calling one of the following numbers:
Policies beginning with HAZ, HAJ, HUT, or HGA should call 1 (888) 823-0888
Policies beginning with WCA should call 1 (800) 758-3311
Policies beginning with CCA should call 1 (888) 542-4222
You’ll need to make sure you have several pieces of information available, including your policy number and driver’s license number, as well as contact information for the other driver involved in the accident. Make sure to relay as many details that you can about the collision, including the make, model, and license plate number of the other vehicle and an explanation of what happened.
Depending on the situation, a claims adjuster may need to reach out to you and the other party for more details. Timeframes can vary, so be sure to follow up with your adjuster as required to keep the claims process on track.
How Can I Cancel My Freedom National Car Insurance Policy?
It’s common for your auto insurance needs to change over time, and you may find yourself in a situation where Freedom National’s options aren’t what you’re looking for. If you need to cancel your policy, contact customer service at 1 (888) 542-4222. While the company does not state if any cancellation fees apply, customers will be issued a refund for any excess premium paid.
You may have found better prices elsewhere, but keep in mind that it’s illegal to hit the road without auto insurance. Before you cancel your coverage from Freedom National, make sure your new insurance provider is offering the best prices by visiting Insurify. You’ll be able to compare rates and sign up for coverage before you cancel with Freedom National, so there’s no lapse in coverage.
How Much Does Uber/Lyft Coverage Cost with Freedom National?
Driving for rideshare companies is a common way for people to make a little extra money, and if you live in a state serviced by Freedom National, you might wonder if its policies will cover you. While the company doesn’t explicitly state that Uber or Lyft coverage is unavailable, there do appear to be some exclusions to the types of coverage options that apply when you’re ridesharing. It’s best to contact customer service to learn more.
Insurance Companies Similar to Freedom National
It’s no secret that Freedom National has a limited reach across the United States; however, some customers find that other options in their area might better serve their needs. Travelers Insurance provides similar auto coverage options and also works with those who have less than perfect driving records, although its prices may be higher than Freedom National. The tradeoff, however, is the ability to take advantage of far more coverage options and discounts.
Geico tends to be another popular option when comparing auto insurance options with Freedom National, as it too can customize policies for drivers with an SR-22 or multiple moving violations. The same level of online self-service is also available here, with the ability to quote and purchase directly on its website. Both GEICO and Travelers are available to residents in many states; however, they are comparable to Freedom National in Georgia, Arizona, and Utah.
According to Insurify’s internal database of over two million car insurance applications and analysis of external sources, drivers who switched to Freedom National most often came from the following insurance companies:
- State Farm
Meanwhile, drivers who used to hold Freedom National car insurance and decided to change providers most often switched to the following companies:
- Bristol West
Freedom National Customer Satisfaction and Policyholder Reviews
The cornerstone of Freedom National’s coverage is low prices, so naturally, customers tend to be very pleased with their experience when it comes to auto rates. Many reviews note that enrolling online was quick and easy and that, in general, obtaining insurance was straightforward.
Unfortunately, not everyone is delighted with Freedom National, and the company has a decent number of very negative reviews on the Better Business Bureau (BBB) website. Most state that billing issues are common, supervisors are rarely available to solve customer concerns, and canceling one’s policy may result in continuous automatic charges.
Freedom National Mobile App Review
Surprisingly enough, despite its seemingly tech-friendly attitude when it comes to generating customer quotes, Freedom National does not offer a mobile app. Its online policy management services can be accessed by creating an account, but at this time, there is no app to utilize.
Frequently Asked Questions: Freedom National Car Insurance
Will Freedom National cover a rental car?
While your policy may pay toward a rental car if your vehicle is being repaired, Freedom National’s auto coverages do not apply if you rent a car for vacation or business travel.
Are Freedom National’s rates the cheapest?
Priding itself on offering low prices to customers with less than ideal driving records, Freedom National auto insurance might be one of the lower options in your area. Remember to consider all pricing factors including applicable discounts and coverage options.
Am I getting the best deal with Freedom National?
Rather than spending countless hours searching through the websites of multiple insurance companies, try Insurify to compare up to 10 different quotes at once. Freedom National’s coverage might be the lowest priced in your area, or you could find another policy elsewhere that offers a better overall value.
Is Freedom National the cheapest car insurance in your area?
Drivers with excellent records may not find that Freedom National offers the cheapest rates, as the company’s policies are geared toward higher-risk individuals. While its prices might be low, make sure to visit Insurify first before you enroll.
There, you can compare quotes between multiple companies at once to find the best policy for your budget.
Freedom National Auto Insurance Overview
Founded in 1999, Freedom National focuses on providing auto insurance policies to residents in Georgia, Arizona, and Utah. The California-based company works with independent agents to better assist customers and relies heavily on the ability of drivers to obtain a quote and purchase coverage online.
Freedom National is geared toward those with less than perfect driving records, poor credit, or any number of other issues that would otherwise make purchasing car insurance difficult. For some, its prices and ease of managing one’s policy online make the company a great choice, while other customers have stated its practices are deceptive at best.
Freedom National Contact Information
|Customer service phone number||1 (888) 542-4222|
|Customer service email address||service@FreedomCustomer.com
|Headquarters address||PO Box 7820
Newport Beach, CA 92658
|Claims service phone number||Policies beginning with HAZ, HAJ, HUT, or HGA: 1 (888) 823-0888
Policies beginning with WCA: 1 (800) 758-3311
Policies beginning with CCA: 1 (888)542-4222
|Fax||1 (866) 300-5764|
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