Some issues matter greater than others in the case of insurance coverage. While Penn National auto insurance coverage may not include the most effective cellular app, it does present good protection choices. But is that sufficient to go together with the corporate?
Today, we’ll let you understand what to anticipate from Penn National auto insurance coverage, then we’ll examine Penn National to a number of the greatest automotive insurance coverage corporations within the nation. No matter which supplier stands out to you, we suggest evaluating just a few insurance coverage quotes earlier than signing up for a coverage.
Penn National Insurance Rating
Our workforce charges Penn National Insurance 3.7 stars out of 5.0 total. This means we rank different corporations like Progressive and State Farm forward of Penn National. Our score system takes a number of elements like reliability, availability, and protection into consideration. Below, you may see our individual rankings for Penn National Insurance.
Penn National Pros And Cons
Below are just a few professionals and cons we present in our Penn National Insurance evaluation.
About Penn National
Here are some fast details about Penn National:
- Founded in 1919
- “A” monetary power score from AM Best
- Sells automotive insurance coverage in 12 states by impartial brokers
- Among the highest 100 suppliers within the United States by written premiums
Penn National Insurance affords private auto insurance coverage in Alabama, Delaware, Iowa, Pennsylvania, Maryland, Minnesota, New Jersey, North Carolina, South Carolina, Tennessee, Virginia, and Wisconsin.
Overall, Penn National has good monetary rankings and few complaints. It’s a mutual insurance coverage firm, which suggests its policyholders personal the business.
Penn National Auto Insurance Coverage
You can get all of the customary kinds of automotive insurance coverage from Penn National.
- Liability auto insurance coverage: Compensates different folks for medical payments and repairs once you trigger an accident.
- Collision protection: Pays to repair your automotive after an accident with one other transferring automobile.
- Comprehensive automotive insurance coverage: Pays to repair your automotive after an accident with a stationary object, harm from the atmosphere, or vandalism.
- Medical funds: Covers your medical payments after an accident.
- Personal damage safety (PIP): Covers your medical payments plus misplaced wages and dying advantages.
- Uninsured/underinsured motorist: Covers your medical payments and automotive repairs if somebody with out sufficient insurance coverage causes an accident.
Penn National additionally offers just a few further protection choices that you may add to your coverage.
- Auto PennPac®: This upgrade package deal contains many issues like pet protection, seat belt advantages, and dying advantages. For drivers with collision and complete, the package deal will increase limits for towing and labor and provides just a few extra coverages, together with journey interruption.
- Auto mortgage/lease protection: This possibility covers the distinction between your mortgage and what your automotive is price on the time of a complete loss–additionally referred to as hole insurance coverage.
- New automotive alternative: This protects in opposition to depreciation for brand new vehicles within the occasion of a complete loss.
- Towing and labor: This covers towing to a restore store and mechanical labor on the breakdown web site.
Note that Penn National doesn’t supply rideshare protection, which you want when you drive for an organization like Uber or Lyft.
Cost Of Penn National Auto Insurance
Our charge information exhibits Penn National Insurance prices about $2,284 per yr or $190 per 30 days for full-coverage insurance coverage. Minimum protection from the corporate prices about $1,582 per yr or $132 per 30 days. These prices apply to a single 30-year-old male driver with a very good file and good credit score.
Penn National Insurance tends to be dearer than the trade common based on our charge information. Below, you may see the way it compares to nationwide averages for various driving eventualities.
Penn National Insurance Cost By Age
Age performs an enormous position in what you pay for automotive insurance coverage. Younger drivers have much less expertise in order that they pay extra. Below, you may see how Penn National charges range based mostly on completely different driver ages. Keep in thoughts these charges apply to drivers with their very own insurance policies. A 16-year-old would save money by being on a household plan.
The solely strategy to know precisely what you‘ll pay for Penn National auto insurance coverage is to get a quote from an agent. However, some issues will make your coverage roughly costly regardless of which firm you go together with. Car insurance coverage charges could also be affected by:
- Age
- ZIP code
- Credit rating
- Driving historical past
- Driving habits
- Type of automotive
Penn National Insurance Discounts
Like most automotive insurance coverage corporations, Penn National affords quite a lot of reductions. If you qualify for a number of, it can save you in your Penn National auto insurance coverage premium.
- Bundling home and auto
- Passive restraints
- Daytime working lights
- Anti-lock brakes
- Good scholar
- Student away in school
- Driver’s schooling course
- Multi-vehicle
- Pay in full
Penn National Insurance sells by tons of of impartial brokers. You can discover the closest agent to you on the web site and request a quote.
Penn National Insurance App
Customers can use the Penn National Insurance app to make funds, view ID playing cards, and access coverage info. At least, that’s the thought. The app has pretty low rankings: it scores 2.0 stars on Google Play and 1.3 stars on the Apple App Store. Reviewers point out points logging into the app and say the system doesn’t acknowledge their credentials.
Penn National Insurance Reviews
Penn National has a C- score from the Better Business Bureau (BBB). This is as a result of the business failed to answer three complaints.
Unfortunately, there are not any optimistic Penn National Insurance critiques on the corporate’s BBB web page. It has acquired 17 complaints which have been closed within the final 3 years. One person stated they had been hit by a Penn National driver and had a tough time getting by to the claims division. Another buyer stated they obtained placed on maintain for hours and couldn’t get by to customer support.
Penn National Auto Insurance: Our Take
At the tip of the day, Penn National is a good alternative if you could find a low charge from the corporate. It will get the job accomplished and has just a few extras to select from. Just you should definitely print your ID card as a substitute of counting on the app for that. When you attain out for a Penn National auto insurance coverage quote, be sure that to test which reductions you qualify for.
Our Recommendations For Car Insurance
No one seems ahead to searching for automotive insurance coverage, however spending the additional time to get a number of quotes is price it. If you simply get one, you don’t know if it’s a very good worth in comparison with different choices. We suggest testing Progressive and USAA.
Progressive: Best For Usage-Based Insurance
Progressive excels within the know-how division–it has a highly-rated app and some completely different instruments for drivers to avoid wasting money. For instance, the Snapshot® usage-based program tracks driving habits and may help you save money when you’re a secure driver. The firm can be recognized for its Name Your Price® and quote comparability instruments.
Extra protection choices from Progressive embody rideshare insurance coverage, roadside help, accident forgiveness, mortgage/lease payoff, customized components worth, deductible financial savings financial institution, and traditional automotive protection. The firm affords 13 reductions together with good scholar, multi-policy, and teenage driver reductions.
Read our Progressive insurance coverage evaluation for extra info.
USAA: Best For Military Members
USAA often has cheaper charges than anybody else. At the identical time, it has an incredible customer support popularity and monetary score. The solely catch is that you must be a navy member, veteran, or the partner or baby of somebody with a USAA insurance coverage coverage.
Extra protection choices from the corporate embody roadside help, rental reimbursement, accident forgiveness, hole insurance coverage, rideshare insurance coverage, and traditional automotive insurance coverage. USAA affords 12 reductions together with navy deployment, storage on base, secure driver, good scholar, and annual mileage.
Read extra in regards to the supplier in our full USAA insurance coverage evaluation.
Penn National Insurance Review: FAQ
Below are just a few steadily requested questions on Penn National Insurance.
How We Rate Penn National Insurance
Our evaluation workforce extensively researches auto insurance coverage suppliers to ship knowledgeable and unbiased assessments of main corporations. We consider a number of key score elements which can be vital to shoppers to find out which suppliers are the most effective within the trade:
- Reliability: It’s vital that an auto insurer is ready to meet its claims obligations. Companies with a robust monetary power score from AM Best rating greatest on this class. Established insurers with an extended historical past of dependable service additionally obtain optimistic marks.
- Availability: Insurance corporations that supply wider availability to shoppers when it comes to state availability and few eligibility necessities usually tend to meet client wants.
- Coverage: To decide our protection rating, we take a look at the variety of protection choices available in addition to protection limits and deductible choices. Our rankings additionally take into consideration extra providers and advantages like roadside help.
- Pricing: Cost will be troublesome to check between insurers as a result of so many elements impression annual premiums. The most cost-effective insurer for one driver will not be the most affordable for one more. To decide our cost rating, we take a look at insurance coverage charge estimates generated by Quadrant Information Services, low cost alternatives, and client studies.
- Service: We comb by buyer critiques on websites just like the Better Business Bureau (BBB) to find out about buyer experiences. Insurers with a low quantity of complaints rating properly on this space. We additionally take into account the claims course of, giving larger rankings to automotive insurance coverage suppliers that supply a clean expertise.
- Technology: Providers with an internet quote instrument, easy-to-use claims app and a usage-based insurance coverage app rating greatest on this class.
*Data correct at time of publication.