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.
Known for its bilingual servicing and drastically low rates, Freeway Insurance offers full coverage to drivers who usually might not be able to secure auto insurance at an affordable price. So, what’s the catch?
Who Benefits Most and Least from Freeway Insurance?
- High-risk drivers
- Those who need to file for an SR-22
- Spanish-speaking drivers
Not the Best For…
- Those looking for stellar customer service
- Drivers who don’t want to work with agents or brokers
Freeway Insurance: Securing cheap rates for high-risk drivers
Having trouble finding low-cost insurance coverage due to a spotty driving record? Freeway Insurance may have precisely what you need.
Since 2008, Freeway Insurance has offered car insurance to drivers across the country. It strives to provide the lowest price for a fast and easy way to obtain car insurance. The company focuses on traditionally underserved drivers, specifically Spanish speakers, and drivers deemed high-risk. These drivers include people who have to file an SR-22 or those with a history of:
- Reckless driving
- Multiple driving infractions in a short period
- Suspended or revoked license
- Having caused an accident while uninsured
Freeway Insurance is part of Confie Seguros, one of the largest privately-held insurance brokers in the United States. As such, it offers plans through Freeway and other affiliated or partnered companies. It acts like an insurance brokerage by looking for the best policy regardless of its affiliation with the company.
In the interest of being upfront, cheap car insurance may come with an extra cost by going through Freeway. In the event your broker or agent finds a better insurance option with a company outside of Confie, you will be required to pay a one-time broker’s fee. You may also be asked to pay a down payment. Just be sure you know how long your policy will be active with a down payment, and pay your next bill on time. More on this below.
Drivers Can SAVE with these Discounts from Freeway
Freeway offers several car insurance discount programs, including:
- Good driver discount
- Student discount
- Military discount
- Multi-policy discount
- Multi-car discount
The discounts you receive are dependent upon which insurance company, partnered with or part of the Freeway Insurance family, offers the best price. Be sure to ask about the discount programs provided by the recommended insurance company.
Freeway also offers bundling discounts, a roadside assistance program, and other perks and benefits depending on your policy.
States Where Freeway Car Insurance is Offered
Freeway Insurance provides auto insurance policies to people in all fifty states but currently has agency offices in twelve. These states are Arizona, California, Florida, Massachusetts, Missouri, Nevada, New Mexico, New Jersey, New York, South Carolina, Texas, and Wisconsin.
If you’re not located in these states, you can contact an agent through Freeway’s national telesales call center. You can also begin the quoting process via its website and receive a call from an agent without having to wait on hold. Agents are available to speak with both English- and Spanish-speaking customers. In fact, Freeway Insurance specializes in servicing Spanish-speaking drivers and traditionally underserved drivers.
Click here to find the cheapest car insurance quotes in your state.
Freeway Auto Insurance Coverages
- Liability coverage
- Bodily injury liability
- Property damage liability
- Comprehensive and collision coverage
- Comprehensive insurance
- Collision insurance
The following coverages are optional elements of any Freeway auto insurance policy:
- Uninsured/underinsured motorist coverage
- Medical Payments coverage
- Rental car reimbursement
- Gap insurance
Other Special Auto Coverages Offered by Freeway Insurance
- Roadside assistance
- Windshield repair plan
- Identity theft protection
Other Insurance Products Offered by Freeway Insurance
Freeway Insurance mainly provides car insurance policies. However, it has expanded coverage options to include:
- Renters insurance
- Homeowners insurance
- Motorcycle insurance
- Motorhome insurance
- ATV insurance
- Watercraft insurance
- Snowmobile insurance
- Commercial auto insurance
- Landlord insurance
- Business insurance
- Life insurance
- Health insurance
How Can I Buy Auto Insurance from Freeway?
To get auto insurance through Freeway, you’ll be required to fill out an online form.
After submitting the form, you will receive a phone call from an agent who will verify your information. After that, you will be directed to a broker or agent in your state.
The agent will find the best price from either Freeway or its partners. From there, you can decide to accept the quote, or you can inquire about the other quoting data the agent has uncovered. Again, be sure to ask about the broker’s fees and any additional fees involved in purchasing the recommended policy, and inquire about any fees that might reoccur at renewal time.
When I went through the Freeway flow, I received a quote slightly less expensive than my current insurance provider, though also containing a one-time fee.
The entire process, from filling out the form to asking questions after receiving my quote, took all of 15 minutes. The overall process was, honestly, a little clunky, because I spoke to two different people on the phone. However, both representatives were considerate, kind, and helpful.
(However, the quickest and easiest way to compare real car insurance quotes on your own is to take a few minutes to build your dream policy on Insurify. Buy an actual, bindable policy on the same day. Or just sift through your tailor-made quote options and see how much you could save. No cost, no-obligation, 100 percent real.)
How Can I Pay for My Freeway Car Insurance Policy?
Policyholders can make payments through the following methods:
- In-person payment
- Over the phone
- Online through the official Freeway website (in Illinois and Indiana). Many of Freeway’s subsidiaries offer online payment services as well.
- By mail
How Often Will Freeway Increase My Premiums?
Freeway prides itself on its low rates. But insurance rates will always fluctuate depending on how you drive, if you’ve filed a claim, or even if you’ve stayed loyal to one insurance provider.
If you get into an at-fault accident…
Freeway’s official blog willingly admits that at-fault accidents will very likely cause an increase in a policyholder’s insurance rates.
If you file a claim…
According to the Freeway blog, filing many claims in a short period will also signal a likely increase in your insurance premiums.
How Does Freeway’s Claims Process Work?
To file a claim with your insurance company through Freeway, call its customer service line at 1 (888) 443-4662, or call the phone number provided to you on your insurance ID card.
Let your insurance representative guide you through the immediate steps of the process. Since Freeway’s insurance subsidiaries and partners may have slightly different processes when it comes to claims, you need to follow your specific insurance provider’s recommended procedure.
Insurance Companies Similar to Freeway
Freeway Insurance works a little differently from typical insurance companies like State Farm or GEICO. When you call in to receive quotes, you aren’t actually speaking to an insurance agent, but a broker. What’s the difference? An agent works on behalf of the insurance company while a broker works on behalf of a customer.
Similar to the work we do here at Insurify, brokers can compare rates for their customers. They also work to ensure customers receive the best policy at the best price. Unlike Insurify, however, brokers are paid a fee for finding the best insurance company. This fee is paid by the customer and not by the insurance company, which means you could pay more overall for coverage.
With Freeway Insurance, you may or may not be required to pay this fee. It all depends on whether the company with the best rate is part of Freeway’s insurance family. If a company outside the Freeway family is found to have the best quote, drivers will be required to pay a one-time broker’s fee. Be sure to keep this in mind when obtaining your quote…and be sure to ask about broker’s fees.
After you receive your free quote, ask for the direct line of the broker and end the call. It’s best to do some investigation into the company that the broker has recommended. You’ll want to get a feel for the company, primarily through reviewing the technology the company uses and its online reviews before you buy.
Freeway Customer Satisfaction and Policyholder Reviews
Freeway Insurance has received many reviews online, but not every review has been sparkling. It seems that customers, without knowledge of how Freeway works, are perplexed to discover they’re paying a broker’s fee or working with a different insurance company than they initially started with. There are standout brokers and agents that customers love. This is well documented on Yelp: Read Momo U.‘s review of Freeway Insurance on Yelp Read John E.‘s review of Freeway Insurance on Yelp
Over at the Better Business Bureau (BBB), Freeway Insurance gets an A+ rating.
Customer reviews equate to only one star, and a host of complaints are archived. The bad news: customers are complaining about unclear sales and billing practices. The good news: the company responds to these complaints and, in many cases, issues refunds to the customer.
Remember: the best way to secure savings on car insurance is to comparison shop for discounted quotes. Insurify lets you compare up to 10+ real, bindable quotes on one simple, integrated platform:
Frequently Asked Questions: Freeway Car Insurance
What is Freeway Insurance?
Freeway is an insurance company that specializes in providing low-cost car insurance to high-risk or otherwise savings-conscious drivers. Drivers looking to save money on full coverage car insurance, regardless of their driving record or even the status of their driver’s license, can apply for coverage with Freeway.
How can I pay for Freeway Insurance online?
Policyholders in Illinois and Indiana can pay for their Freeway policy online through the official Freeway website and following the prompts. Many of Freeway’s subsidiaries and partner providers offer online payment services as well.
How can I compare auto insurance quotes online?
Using an auto insurance quotes comparison site is the quickest and easiest way to get multiple quotes at once. Don’t have time to labor through confusing websites? Afraid you’re one click away from a robocall catastrophe? Sites like Insurify just take a few minutes to gather your basic information and deliver you real, bindable insurance quotes. Compare apples to apples, switch between coverage and deductible levels, and unlock discounts you didn’t even know you qualified for.
Is Freeway the cheapest car insurance in your area?
Auto insurance quotes comparison is the way of the future. If you’re serious about getting the cheapest car insurance quote you possibly can, or want to see how much you could save on your auto policy today, skip the brokers or agents and take the insurance comparison into your own hands.
The only way you know you’re getting the best deal is by comparing real quotes between several companies at once on Insurify.
Freeway Auto Insurance Overview
Freeway Insurance Services, Inc. was founded in 1987 in Buena Park, California. It is a leading provider of non-standard auto insurance.
Freeway Contact Information
|Headquarters||7711 Center Ave #200 Huntington Beach, CA 92647|
|Mailing address||Freeway Insurance Services, Inc. P.O. Box 669 Cypress, CA 90630|
|Customer service phone number||1 (888) 443-4662|
|Customer service email firstname.lastname@example.org|
|Accounts payable email email@example.com|