Windhaven Car Insurance Review & Ratings (2024)

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?

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Does Windhaven Insurance Company offer car insurance?

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.

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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.

How much does non-standard car insurance cost?

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.

Should I purchase Windhaven’s non-standard car insurance?

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

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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.