Economical Insurance Auto Insurance Reviews

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.

This company is not as cost-saving as they claim. The service is not customer friendly and the response to get back to you is terrible. Be careful when you get in an accident and try to dispute your claim. I would never recommend an Economical Insurance company.

DO NOT pick this insurance company. They totally left me stranded and demanded all kinds of personal information after a small hit and run in a parking lot. Absolutely horrid customer service to ultimately have them not cover! I was treated like a criminal and they didn't even believe that it was a hit and run - even after me going to the Auto Collision Centre and all of the proper channels.

I have been covered under insurance for my car for 2 years I received an email in January which I didn't see. Normally papers are sent in the mail for renewal so I was waiting for that. It got closer to the time when my insurance renews and I contacted my broker who then sent the email I failed to see. In the email, it states they will not renew my insurance and the reason being is done to my driving abstract which they went on to explain what is on my abstract. But the funny thing is for the past 2 years the amount of time I have been with this company I have obtained the same driving record that now 2 years later is a problem. But was not an issue when they first took my own as a client. To me, this makes absolutely no sense this is my last year with these infractions on my record and now it's a problem and there not willing to help.

I prefer to pay instalments by VISA and Economical’s phone instructions seem straightforward - until they lose your payment! Having received their letter threatening policy cancellation, I paid by VISA again and contacted our broker, since it’s impossible to reach anyone at Economical. Thankfully, according to our broker, Economical ‘found’ our nearly $700 instalment and credited back to our VISA before the next statement was due. That was in October. In mid-January GM Financial sent us a letter notifying us that Economical had informed them that the insurance on our leased vehicle (my daily car) was CANCELLED as of Jan. 10th! Economical had not informed us or our broker of this important news! If Economical had cancelled insurance on the leased vehicle, logic dictated that it must be cancelled on the 4 other vehicles on the same policy, right?! It took several days to get written assurance from our broker that our vehicles were all covered and even longer for GM Financial to receive confirmation about the leased vehicle. I don’t know whether Economical’s error has impacted our credit rating. Our broker rightly assumes we will want to switch coverage to a different company this year.

Long story short, they told body shop to start the work and then halfway through, they denied the claim. Now I'm stuck with a 20K bill which I can't afford. I have no choice but to have my car taken away by the sheriff and lose it. Now my credit with BMW is destroyed and my credit score will be tanking. I never missed a payment, any claims, an excellent driver. When I told friends about my experience, they also mentioned that they've been played around by Economical as well for 100% at fault no accident. This insurance company is a huge crook. I had another friend who told me she was under investigation. They came to her house for her to prove she lived there. Inspected her belongings and clothing etc. This company literally has to sniff through your underwear to insure you are not committing any insurance fraud and you are living where you say you are. I thought this was a joke but a disgusting and true story. Insurance companies need to be investigated!