Encompass Car Insurance Review & Ratings (2024)

Expect to pay $147 monthly on average for full coverage auto insurance if you have a speeding ticket on your record, about 24% higher than drivers with a clean record.

Encompass Car Insurance Rates for a Teen Driver

Since teen drivers lack driving experience, insurers charge them the highest rates of any demographic. Teens are also more likely to engage in risky driving behavior, like speeding or texting while driving.

Compare average teen car insurance rates from the top insurance companies below.

Monthly Full Coverage Teenage Auto Insurance Rates by Gender for the Top 10 Insurance Companies

While teens pay about $592 a month for full coverage car insurance, they can save by remaining on their parent’s insurance policy. Managing costs as a college student can be difficult, but Encompass offers several discounts geared toward teens and students.

For example, Encompass offers a distant student car insurance discount for students living at least 100 miles away from home.

Encompass Car Insurance Rates With an At-Fault Accident

At-fault accidents show insurance companies that you’re a risky driver, so you’ll pay higher rates at any company if you have one on your record. The amount your rates increase depends on how long ago the accident occurred and its severity.

Take a look at the table below to see how much you might pay at the top auto insurers with an at-fault accident on your record.

Car Insurance Monthly Rates for Clean Record vs. One Accident by Provider

You’ll pay about $173 monthly for full coverage after an at-fault accident, but your Encompass car insurance rates may differ from that figure. So it’s important to get an Encompass quote — and compare it to other companies — to ensure you’re not overpaying for car insurance.

Encompass Discounts Available

One of Encompass’s benefits is that it offers a long list of auto insurance discounts to help policyholders save on their monthly premiums. Take a look at some of the discounts you could qualify for with Encompass car insurance.

• Safe driver bonus. Encompass will discount your rates up to 5% if your policy goes without a chargeable accident for the prior 12-month period.
• Good student discount. If you’re a student who maintains a 3.0 GPA or better, you qualify for a good student discount with Encompass.
• Anti-lock device discount. Vehicles and motorhomes equipped with factory installed anti-lock devices can earn a discount from Encompass.
• Early signing car insurance discount. You can receive an auto insurance discount from Encompass if your policy takes effect 7 or more days after it gets issued.
• New car discount. If you purchased your vehicle new, you could get a new car discount; though it doesn’t apply to previously titled vehicles.
• Homeowners discount. You can get a discount on your car insurance if you own a home, condominium, townhouse, or mobile home.
• Defensive driver discount. Defensive driving courses can lower insurance rates with Encompass for certain drivers. Speak with an Encompass representative to learn if you qualify and how you can enroll in a course.
• Passive restraint system discount. Encompass will discount your auto insurance if your vehicle has factory installed air bags or an automatic seat belt system. However, the discount only applies to medical payments/personal injury protection.
• Driver training discount. All Encompass drivers under 21 can get the driver training discount after successful completion of a driver training course and several hours of driving experience.
• Resident student discount. If a student lives more than 100 miles away from home at school, they may qualify for a resident student discount if they don’t have a vehicle at school.
• Encompass Easy Pay. You can save on your car insurance rates if you enroll in Encompass Easy Pay, the company’s automatic payment system.
• Good payer discount. Encompass drivers automatically receive a good payer discount upon initiating a new auto policy. So long as Encompass hasn’t issued a notice of non-payment to a policyholder in the last year, they’ll keep the discount.

Encompass policyholders enjoy a diverse array of discounts to help them save on their auto insurance coverage. However, keep reading to learn other ways to save on your Encompass car insurance.

Encompass Connected Driver Program

Encompass Connected Driver is a telematics program that tracks your driving and generates a score based on factors like hard braking, time of day driven, phone usage, and speeding. In exchange, drivers could save up to 10% on their car insurance. 

To enroll, policyholders simply install the mobile app, enter a registration code, and allow their app to track the location. Then, the driver brings the phone with them while they drive. They’ll receive a driving score 7 days after activating the app.

Other Ways to Lower Your Encompass Car Insurance Rates

Encompass offers policyholders various ways to save on car insurance coverage, but there are more ways to lower your rates.

• Drop unnecessary coverages. If an older car depreciates in value, you could drop collision and comprehensive coverages and only carry liability. 
• Insure a cheap vehicle. Purchase a cheap vehicle or one with cheap parts to replace if you want lower auto insurance rates.
• Increase your credit score. Many insurers look at credit when setting insurance rates, so you could see lower costs once your credit score rises. However, if you’re struggling to improve your credit, you can search for car insurance for people with bad credit.
• Practice safe driving. Your car insurance company may award you lower rates if you practice safe driving, avoid accidents, and remain ticket-free.
• Increase your deductible. Your deductible is the amount you pay before insurance pays out a claim. The higher your deductible, the lower your premiums will be, but you shouldn’t increase your deductible to an amount outside your budget.
• Shop around. Since rates vary by insurance company, Encompass might not be the cheapest company for you. Compare quotes from multiple companies to ensure you’re not overpaying.

The best ways to get the cheapest car insurance quotes is by following the tips above, comparing quotes, and finding eligible discounts. You can call an Encompass representative to get a quote from the company.

Effortless Claims Handling With Encompass Car Insurance

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

Encompass Car Insurance offers a claims process that primarily relies on contacting their representatives over the phone. Unfortunately, they do not provide an option for filing claims online through their website or mobile app. This may be inconvenient for policyholders who prefer the convenience of digital claims submission.

Average Claim Processing Time

Encompass does not specify an average claim processing time on their website or in the provided information. Claim processing times can vary depending on the complexity of the claim and the availability of necessary documentation. Policyholders should contact Encompass directly for information on claim processing times.

Customer Feedback on Claim Resolutions and Payouts

While customer feedback on claim resolutions and payouts is not explicitly mentioned in the provided content, it is an essential aspect of evaluating an insurance provider. Policyholders may want to research and read customer reviews and testimonials to gain insights into Encompass Car Insurance’s track record in this regard.

Exploring Encompass Car Insurance Digital and Technological Innovations

Mobile App Features and Functionality

Encompass Car Insurance offers a mobile app primarily for requesting 24/7 roadside assistance. However, it does not provide extensive features for managing policies or filing claims through the app. Policyholders can use the app to request assistance for common roadside issues and access policy details.

Online Account Management Capabilities

Encompass Car Insurance allows policyholders to manage their policies online through a MyEncompass account. While it provides features like bill payment and viewing policy details, it does not offer the option to file claims online. Online account management is convenient for policyholders who prefer to handle their insurance-related tasks digitally.

Digital Tools and Resources

The Encompass Car Insurance website offers valuable digital tools and resources to help policyholders make informed decisions. These resources may include informative articles, insurance calculators, and educational content. While they enhance the user experience, it’s important to note that Encompass’s digital tools do not include online claims filing, which may be a limitation for some customers.

How Encompass Ranks Among Providers

Encompass Car Insurance operates in a competitive landscape where several key players vie for the attention of insurance-seeking consumers. Understanding the company’s main competitors provides valuable insights into the strengths, weaknesses, and differentiating factors within the industry.

State Farm Insurance

• State Farm stands as one of the largest and most well-established insurance providers in the United States. Renowned for its extensive agent network, State Farm offers a broad range of insurance products, including auto, home, and life insurance. The company’s longevity and financial stability make it a formidable competitor for Encompass.

Allstate Insurance

• Allstate is another major player in the insurance industry, providing a wide array of coverage options, including auto, home, and renters insurance. The company is recognized for its innovative features, such as Drivewise, a telematics program that rewards safe driving. Allstate’s extensive advertising and nationwide presence contribute to its competitive edge.

Geico

• Geico, known for its catchy advertising and competitive pricing, has carved a niche in the auto insurance market. As a direct-to-consumer insurer, Geico boasts a straightforward online process, emphasizing convenience and cost-effectiveness. The company’s focus on digital accessibility and user-friendly platforms poses a challenge to traditional insurers like Encompass.

Progressive Insurance

• Progressive is renowned for its innovative approach to auto insurance, introducing features like Snapshot, a usage-based insurance program. With a strong emphasis on technology and user experience, Progressive attracts a demographic that values digital solutions. This technological edge is a notable factor in its competition with companies like Encompass.

Nationwide Insurance

• Nationwide is a diversified insurance and financial services company with a significant presence in the auto insurance sector. With a broad range of coverage options and a focus on customer-centric policies, Nationwide competes by offering personalized solutions similar to what Encompass aims to provide.

Liberty Mutual Insurance

• Liberty Mutual is recognized for its global presence and diverse insurance offerings, including auto, home, and life insurance. The company’s emphasis on customer service and a range of coverage options positions it as a competitor that caters to a variety of insurance needs.

Farmers Insurance

• Farmers Insurance, with its longstanding history, offers a comprehensive suite of insurance products. Known for its agent-centric model and commitment to personalized service, Farmers competes by establishing strong relationships with policyholders, an aspect that sets it apart from larger, more digitally-focused competitors.

In navigating the competitive landscape, Encompass Car Insurance must leverage its unique selling points, such as customizable policies and a commitment to customer satisfaction. Understanding the strategies and strengths of these competitors enables Encompass to refine its approach, ensuring it remains a compelling choice for consumers seeking reliable and tailored insurance solutions.

Understanding Customer Reviews of Encompass Car Insurance

Customer reviews play a pivotal role in shaping the perception of an insurance company. They provide valuable insights into the real-world experiences of policyholders and can influence potential customers in their decision-making process. Let’s delve into the various aspects of customer reviews for Encompass Car Insurance.

Overall Satisfaction

• Customer reviews often reflect the overall satisfaction of policyholders. Positive reviews may highlight excellent customer service, prompt claims processing, and satisfaction with coverage options. Conversely, negative reviews may point to issues such as claim denials, communication challenges, or dissatisfaction with premium rates.

Customer Service Experience

• The quality of customer service is a key factor in insurance reviews. Positive feedback may commend Encompass for responsive and helpful customer service representatives, while negative comments might focus on unhelpful interactions or difficulties in reaching customer support.

Claims Process

• The claims process is a critical aspect of any insurance company’s service. Positive reviews may applaud a smooth and efficient claims process, while negative reviews might cite delays, disputes, or perceived unfair claim settlements. Consistency and transparency in claims handling are crucial for positive customer experiences.

Coverage Options and Flexibility

• Encompass prides itself on customizable policies. Positive reviews may highlight the flexibility to tailor coverage to individual needs, while negative reviews might express dissatisfaction with limited options or unclear policy terms. Providing clarity and a variety of coverage choices is essential for customer satisfaction.

Premiums and Pricing

• Affordability is a significant consideration for policyholders. Positive reviews may mention competitive pricing, discounts, or the value for money offered by Encompass. Conversely, negative reviews might focus on high premiums, unexpected rate increases, or perceived lack of discounts.

Online Tools and Accessibility

• In today’s digital age, the ease of managing policies online can significantly impact customer satisfaction. Positive reviews may praise Encompass for user-friendly online tools and a mobile app, while negative reviews might mention technical issues, a cumbersome online interface, or dissatisfaction with digital services.

Communication

• Clear and transparent communication is vital in the insurance industry. Positive reviews may highlight effective communication about policy changes, renewals, or updates, while negative reviews might point to confusion, lack of communication, or difficulty in understanding policy terms.

Overall Trust and Reliability

• Trust is the foundation of any insurer-policyholder relationship. Positive reviews may emphasize trust in Encompass as a reliable insurance provider, while negative reviews might express skepticism, especially in instances where claims are denied or disputes arise.