Windhaven Car Insurance Review & Ratings (2024)

Delve into a comprehensive exploration of Windhaven Car Insurance through an unbiased review that encompasses ratings, coverage alternatives, and customer satisfaction.

Authored by licensed insurance agent Kristen Gryglik and reviewed by seasoned insurance broker Zach Fagiano, this in-depth analysis is designed to empower readers with the knowledge necessary to make informed decisions.

Offering insights into Windhaven’s coverage options, discounts, and technological advancements, the article guides readers through essential considerations when choosing auto insurance. The inclusion of competitor comparisons and a detailed examination of the company’s efficiency in claims processing further enhances the reader’s ability to navigate the complexities of the insurance landscape.

Concluding with a spotlight on discounts and competitors, the article equips readers with the tools to make strategic choices in selecting the insurance coverage that best aligns with their individual needs and preferences.

What You Should Know About Windhaven Car Insurance

Welcome to our in-depth analysis of Windhaven Auto Insurance. We go into important subjects in this post, including Windhaven’s ratings, coverage alternatives, and general client contentment. Learn more about the features offered by Windhaven’s auto insurance options and obtain important knowledge to make a wise choice. Why, therefore, end there?

Enter your zip code below to compare quotes from the best insurance companies in your neighborhood and make sure you get the best insurance rates for your needs. Take action right away to avoid missing out on possible discounts.

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Windhaven Car Insurance Coverage Options

Windhaven’s diverse coverage options. From essential protections to additional features, Windhaven ensures you have the flexibility to build a policy that meets your unique requirements. Explore the range of coverage options available to you.

• Liability Insurance: Provides coverage for bodily injury and property damage liability, ensuring you meet legal requirements.
• Comprehensive Insurance: Protects against non-collision events such as theft, vandalism, or natural disasters.
• Collision Insurance: Covers the cost of repairs to your vehicle in the event of a collision with another vehicle or object.
• Personal Injury Protection (PIP): Offers coverage for medical expenses and lost wages for you and your passengers, regardless of fault.
• Uninsured/Underinsured Motorist Coverage: Safeguards you if involved in an accident with a driver who lacks adequate insurance.
• Roadside Assistance: Provides support for common roadside emergencies, such as towing, flat tires, or fuel delivery.

Build a comprehensive and customized insurance plan with Windhaven’s array of coverage options. Whether you prioritize protection against unforeseen events or seek additional peace of mind on the road, Windhaven ensures you have the coverage you need. Contact Windhaven today to discuss and tailor your insurance to match your individual preferences and circumstances.

Windhaven did offer non-standard car insurance coverage to people who lived in Florida and Texas. But now that the company is essentially closed, it does not allow people to start new policies.

There may be people who still hold existing policies with the company if those policies have not yet expired. For existing policyholders, their Windhaven insurance login would allow them to see the intricacies of their insurance information.

Because Windhaven is closed, it’s difficult to know what types of coverage the company offered. However, the policies were likely fairly basic and covered the standard limits of auto insurance coverage.

Since the company offered coverage to primarily non-standard policyholders, the coverages were probably for high-risk drivers who needed to meet the minimum insurance requirements in either Florida or Texas.

As is true with any company that offers high-risk coverage, the rates for policies at Windhaven were probably higher-than-average. If you are looking for car insurance coverage and you’re not a high-risk driver, these insurance products would not have been your best option.

What is non-standard car insurance?

To understand non-standard car insurance, you should first learn a bit about how most auto insurance companies assess a person’s liability and overall eligibility for a policy.

Insurance companies have three tiers when it comes to classifying potential policyholders:

• Preferred
• Standard
• Non-standard

As you can probably guess, a preferred client is a person with a clean driving record and whose life offers relatively low risks when it comes to being in an accident. A standard policyholder is essentially someone who may have a few blemishes on their driving record but is considered both responsible and reliable. Lastly, a non-standard policyholder is someone who poses the greatest amount of risk for a car insurance company.

A good example of a non-standard individual would be a person who has been convicted of a DUI or who has made multiple accident claims in the past year or two. If you do not know how to remove violations from your driving record, or if you’re unable to do so, you may need to purchase non-standard car insurance as a high-risk driver.

Because non-standard policyholders cost insurance companies more money, they typically have to pay higher rates for insurance coverage. This is where a non-standard auto insurance policy comes in.

Companies like Windhaven Insurance offer non-standard policyholders coverage, while other insurance companies may turn these individuals down. In return, these high-risk policies are more expensive to offset some of the inherent risks for the company.

Windhaven Car Insurance Rates Breakdown

There’s no telling how much a car insurance company could charge for non-standard coverage. If you are considered a high-risk driver, your rates will be based on your unique information and thetype of policy you want to purchase.

The table below offers average examples of standard annual car insurance rates that meet each state’s minimum legal requirements.

Average Standard Annual Car Insurance Rates by State

State	Average Annual Car Insurance Rates
Alabama	$817.95
Alaska	$1,048.60
Arizona	$932.10
Arkansas	$869.37
California	$926.79
Colorado	$898.79
Connecticut	$1,108.67
Delaware	$1,186.33
District of Columbia	$1,307.62
Florida	$1,206.46
Georgia	$964.70
Hawaii	$856.33
Idaho	$656.95
Illinois	$833.44
Indiana	$724.65
Iowa	$672.01
Kansas	$819.14
Kentucky	$904.39
Louisiana	$1,326.78
Maine	$679.56
Maryland	$1,077.97
Massachusetts	$1,075.35
Michigan	$1,252.27
Minnesota	$826.64
Mississippi	$935.08
Missouri	$825.40
Montana	$842.54
Nebraska	$778.81
Nevada	$1,057.63
New Hampshire	$777.98
New Jersey	$1,353.96
New Mexico	$896.58
New York	$1,300.09
North Carolina	$745.17
North Dakota	$737.63
Ohio	$741.11
Oklahoma	$941.34
Oregon	$855.57
Pennsylvania	$934.34
Rhode Island	$1,219.29
South Carolina	$910.51
South Dakota	$717.73
Tennessee	$823.74
Texas	$1,025.64
Utah	$832.24
Vermont	$737.67
Virginia	$807.71
Washington	$923.16
West Virginia	$1,015.57
Wisconsin	$696.11
Wyoming	$816.71
Countrywide	$954.99

If you are looking for non-standard car insurance coverage, you can assume that your rates will be higher than your state’s standard average for car insurance.

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Windhaven Car Insurance Discounts Available

Windhaven Car Insurance through a range of discounts tailored to meet your specific needs. These discounts can make your coverage more affordable while ensuring you receive the protection you deserve. Explore the various opportunities to maximize your savings with Windhaven.

• Safe Driver Discount: Rewards policyholders with a clean driving record, demonstrating responsible and safe driving habits.
• Multi-Policy Discount: Enjoy additional savings by bundling your car insurance with other policies, such as home or renters insurance.
• Good Student Discount: Recognizes the dedication to academics, offering discounts for students who maintain a high GPA.
• Military Discount: Honors the service of military personnel with exclusive discounts on car insurance.
• Anti-Theft Device Discount: Secure your vehicle and enjoy savings by installing approved anti-theft devices.
• Defensive Driving Course Discount: Lower your premium by completing an accredited defensive driving course.

Unlock significant savings and tailor your insurance to fit your budget by taking advantage of Windhaven’s diverse range of discounts. Ensure you’re not only protected but also benefiting from the most cost-effective coverage options available. Contact Windhaven today to discuss how these discounts can work for you.

Because Windhaven no longer offers car insurance policies, you cannot purchase a non-standard policy with the company. But you may need to purchase a non-standard policy with another insurance company.

If you have a bad driving record or you’ve recently been in legal trouble, you may find that many car insurance companies turn down your applications for coverage. As this happens, you will want to consider a non-standard policy.

As stated earlier, purchasing a non-standard policy means you will pay more for coverage, so if you are not a high-risk driver, you should not waste your money on this type of policy. You can always speak to an independent agent who will help you determine what type of car insurance you need.

And as you shop around for car insurance coverage, be sure to compare rates from multiple companies at once to get the best deal you can on coverage. In fact, you can use our free tool below to find the coverage you need at a price you can afford.

1. https://www.iii.org/article/what-auto-insurance

Efficiency and Transparency: Windhaven Car Insurance Claims

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Windhaven Car Insurance offers multiple convenient methods for filing insurance claims. Policyholders can choose to file claims online through the company’s user-friendly website or mobile app.

Alternatively, claims can be submitted over the phone, providing flexibility to customers in various situations. The availability of mobile apps streamlines the process, allowing users to file claims, track their status, and manage their policies on-the-go.

Average Claim Processing Time

Windhaven Car Insurance is committed to efficient claim processing. While specific processing times may vary depending on the nature and complexity of the claim, the company strives to handle claims promptly. Policyholders can expect timely responses and resolutions, with the goal of minimizing any inconvenience caused by accidents or unforeseen events.

Customer Feedback on Claim Resolutions and Payouts

Customer satisfaction with claim resolutions and payouts is a crucial aspect of any insurance provider. Windhaven Car Insurance values feedback from its policyholders and continuously works to improve its claims process. Customer reviews and ratings regarding claim experiences can provide valuable insights into the company’s performance in this critical area.

Empowering Policyholders: Windhaven Car Insurance’s Technological Advancements

Mobile App Features and Functionality

Windhaven Car Insurance offers a feature-rich mobile app that empowers policyholders with convenient tools and functionality. The app allows users to access their insurance policies, view coverage details, make premium payments, and, most importantly, file claims from their smartphones. It provides a user-friendly interface and intuitive navigation, enhancing the overall customer experience.

Online Account Management Capabilities

Managing insurance policies has never been easier with Windhaven’s online account management capabilities. Policyholders can log in to their accounts through the company’s website or mobile app to review policy information, update personal details, and make policy adjustments as needed.

This online self-service portal offers convenience and flexibility, reducing the need for traditional paperwork and phone calls.

Digital Tools and Resources

Windhaven Car Insurance provides a range of digital tools and resources to help policyholders make informed decisions and stay informed about their coverage. These resources may include educational materials, articles, and tools for calculating premiums, estimating coverage needs, and exploring various insurance options.

These digital assets empower customers to take control of their insurance choices and understand their policies better.

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How Windhaven Car Insurance Ranks Among Providers

Explore the competitive landscape of the auto insurance industry by considering alternatives to Windhaven. Each competitor brings its unique offerings, and understanding your options ensures you make an informed decision tailored to your needs. Here are some key players in the market to consider alongside Windhaven.

• Geico: Known for competitive rates and a wide range of coverage options, Geico is a major player in the auto insurance market.
• State Farm: With a vast network of agents and a reputation for excellent customer service, State Farm offers comprehensive coverage options.
• Progressive: Renowned for its innovative approach and customizable policies, Progressive is a popular choice among diverse policyholders.
• Allstate: A well-established insurer, Allstate provides a range of coverage options and is recognized for its commitment to customer satisfaction.
• USAA: Serving military members and their families, USAA is celebrated for its exceptional customer service and specialized coverage.

Evaluate your options thoroughly by considering these prominent competitors alongside Windhaven. Each insurer brings its strengths and advantages, ensuring you have the flexibility to choose the provider that aligns best with your preferences and requirements. Take the time to compare and make a decision that guarantees both comprehensive coverage and value for your investment.

Customers Review: Windhaven Car Insurance

As a customer of Windhaven Car Insurance, my experience has been a mix of positives and challenges. On the positive side, I appreciate the company’s diverse coverage options, allowing me to customize my insurance plan according to my specific needs.

The competitive rates offered by Windhaven are certainly appealing, ensuring that I receive value for my investment in auto insurance. The technological advancements, particularly the feature-rich mobile app and online account management, have made it convenient for me to access and manage my policy.

However, there are notable drawbacks. The company’s historical focus on non-standard policies may not align well with individuals with clean driving records, potentially resulting in higher rates.

Additionally, the closure of Windhaven for new policy issuance limits options for prospective customers. The lack of comprehensive information about the company’s past policies and coverage options is a challenge, making it difficult to fully understand the range of offerings.

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