Economical Insurance Auto Insurance Reviews

I cancelled my insurance and still waiting on reimbursement after 2 months. My wife is insured with another insurance company and had an accident and had the best service ever. They called her like 3 times to make sure everything was ok, she didn't have to call them. Pretty bad when you have better service on a claim from one company than you do from Economical when they owe you a small amount for a cancellation. Do yourself a favour and stay away from this Economical as their service is non-existent. I wouldn't want to have to make a claim with these crooks.

I called them to stop payments on March 31st because of COVID 19 as I was not earning any income as well as not driving my car. On the phone, the lady told me that everything was ok I will not pay the month of April. One month later, they are calling me and asking for April, they did not tell me that I had to call 15 days before for the upcoming month. They are now asking for the April payment and cancellation fee because I want to terminate my policy. This is what they wrote to me in email accepting their mistakes but still asking for money. "Yes, you are right whoever had made the changes for your request should advise you that it will not reflect your upcoming payment." They are also using threats like if you do not pay it will go to collecting agency and when looking for insurance elsewhere, it will generate extra premium. Even though they accept their own mistake for not informing me, they are still asking for the month that I did not drive my car. I would give 0 stars if there was an option. AVOID AT ALL COST.

2 cars, 3 drivers = 2019 renewal $6500 (this was up 100% from 2018 due to an accident so understandable) The same scenario, no changes at all since taking the 2019 increase and... 2019 - $6500 ... 2020 renewal = $10,500 61% increase with no changes to my coverage, no accident events, no tickets, basically no change at all. How they get away with these year-over-year increases in times when people are suffering financially is incredible.

They only get one star because I can't do 0. Do your future self a huge favour, and don't bother with Economical Insurance. Not only they have terrible customer service, their assume guilty policy punishes good drivers who act in good faith while allowing or even rewarding bad drivers who lie about insurance claims to get off with only a slap on the wrist. No wonder insurance fraud is so high, with that policy. I have been a customer for years with no claims. I've driven 10 years with no at-fault accidents. The first time I submitted a claim this year, things went downhill fast. Not only did the insurance agent insist I go to their auto shop, across town from where I had an appointment already booked, but she also didn't even give me the right address. I'm glad I called the shop to confirm ahead, because I found out that she had also given me the wrong time, Monday afternoon instead of Friday, making my time off work nothing but lost hours and income. (Apparently, this was not the first time this had happened according to the auto shop.) Next, we come to the claim itself. I had a police report with a clear not at fault, a clear recounting of the events, and photos of vehicle damage on my left / driver's side. The other 'honest' driver (who insisted we should not do insurance and was 'very honest,' we could settle with cash!) made a false claim to their insurance saying I turned right and hit them, instead of what happened, they turned right and hit me. Their story is physically impossible while travelling in the same direction given the physical damages to my vehicle. But, the lie did not match, so apparently, it was an automatic 50/50 - now, not only was I being given bad customer service, they weren't even trying to help at all, and I was treated as guilty in each subsequent interaction. Nobody wanted to do any real work to help or make sure that things were done right. They are currently trying to finalize my claim without even bothering to wait for the police report on their end to be delivered - pure laziness, and it makes me wonder if that part is even legal - I gave them proof and they can't even be bothered to read it? Clearly, it was far easier (and more profitable) to just hit the 50/50 button than do their job. This policy of treating their customers like dirt, and guilty until innocent not only punish those drivers who do things right but by allowing the false claims to stand it condones and even rewards bad drivers who lie to avoid a penalty, with no burden of proof on their side. I can almost guarantee that the other driver, if they keep driving like what I saw, will go on to be in another accident and next time may not be lucky enough to escape with no injury. The first agent I spoke to argued up and down how I could have hit the other person, in fact, taking their side! (and the first story I heard was not identical to the second story either - different stories from the other insurance agency would also make things a bit suspicious too!) This lack of oversight might be why insurance fraud is so high if their agents just accept lies at face value while deliberately ignoring proof from their own customers.

I had a small vehicle claim and I appraised at a local body shop to have an idea of the cost. When I decided to fix it by myself and requested a payout, they paid me less the 30% of the claim. I newer gone have any insurance with them and any of their sister companies!

We have been Economical customers for 2 years with our Auto and Farm Policies. I paid our auto policy online with a credit card and then I get a nasty email saying I still owe them money. We made some changes to our auto policy because it was very high and transferred a trailer and ATV to our farm policy a month before renewal. However, because they didn’t process it in time we have to pay the higher premium amount in our first of 3 payments. Should have been 40% of the premium but they are forcing us to pay 54% for their incompetence. We will definitely not be insuring with them next year. Terrible company. Only interested in taking your money and one of the most awful insurance companies for customer service. Frankly, they just don’t care. Do NOT recommend it.

My car got destroyed by someone running a red light nearly 3 months ago and I haven’t received a dime from them yet. There was a witness who testified on my behalf but Economical Insurance wanted to make me 50% at fault because there is conflicting stories between me and the guy who ran the light. This is ridiculous because most people who are at fault deny it, therefore having a witness who nearly got hit by the same driver, should make it a slam dunk case. I couldn’t imagine how unfortunate it would be to have this happen without having a witness. I had to threaten them with a lawyer to get them to budge and reduce my fault down to 0%. I went to the garage of their choice the day after the accident to get a damage assessment but here I am still waiting on the money I’m owed. In these 3 months, I’ve paid them nearly $1000 from my monthly payments. I’m not sure what service I’m paying them for?

They reported a claim on my Equifax for 50k and when I reached out to find out what it was all about no one can answer me. Oh, and I don't have a policy with them!

I got hit on a Saturday night - badly. They claim to have 24 emergency claim support - NOPE! People are at their most emotionally vulnerable - but if you get hit after 5 pm on a Friday - guess what? You'll be waiting for 3 days. They have an answering machine that DOESN'T record messages. It's been like that for 2 years and NO ONE CARES ENOUGH TO FIX IT! I called on a Monday morning - go through to a representative - she put me on hold after a 5-minute chat and my call was disconnected. Did she call back? NOPE! I got an assessment and it's been 4 days - my shop still hasn't received it. I'm driving around in a smashed-up car. Terrible company.