Encompass car insurance review November 2018 | finder.com

Encompass car insurance review November 2018

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Enjoy discounts and easy account management with Encompass car insurance bundling.

When deciding on a car insurance company, choosing the right amount of coverage without paying a high price tag is always the goal.

Scoping out a potential insurance provider online can save you time and money. If you like the personal touch of speaking with an agent and the simplicity of bundling, consider whether Allstate subsidiary Encompass could offer the best car insurance policy for you.

Description Save a bundle with combined insurance policies and manage everything in one convenient app.
States served Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Michigan, Minnesota, Missouri, Nevada, New Hampshire, New Jersey, New Mexico, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin
Roadside assistance Included free
Pay schedule 12 months
Claims methods online
New car protection Yes, cars under 1 year old & 15,000 miles

Pros

  • Flexible coverage
  • Vehicle discounts
  • Online account access
  • Easy account app

Cons

  • Limited availability
  • Lack of transparency
  • No online application
Defensive driving discount Yes, up to 5%
Good student discount Yes
Loyalty discount No
Homeowner discount Yes
Military discount No
Safety device discount Yes, up to 5%
Special employment discount No
Usage-based discount No
Other discounts Future Effective Date discount if the policy is issued 7 days or more days prior to the effective date

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Who is Encompass best for?

If you’re someone who prefers to keep their insurance needs under one provider, Encompass could be what you’re looking for.

One thing that could draw you to choose a car insurance provider is the discount available when you bundle your policies. The downside? Multiple bills, premiums and payments can get confusing — fast.

Encompass offers a simple solution with its EncompassOne policy: A comprehensive insurance plan that offers three tiers of combined coverage that includes home, auto and personal effects insurance.

What is Encompass?

Encompass Insurance, founded in 1897, was purchased by Allstate in 1999. Today, it’s an official subsidiary of Allstate and offers insurance products across 39 states with a network of more than 2,400 Encompass Independent Agents.

Encompass offers home, auto, motorcycle, boat, recreational vehicle, home business and personal umbrella insurance products.

What car insurance coverage does Encompass offer?

  • Liability. Should you be in an at-fault accident that causes personal injury or property damage, this coverage helps pay for medical and auto repair expenses.
  • Comprehensive coverage. This coverage helps pay for damage to your car caused by something other than an accident, like natural disasters, falling objects or vandalism.
  • Uninsured/underinsured motorist liability. If you’re in an accident with someone who is uninsured or underinsured, this coverage helps cover repair costs.
  • New car replacement. If your car is four years old or younger and is critically damaged in a covered loss, Encompass will replace your vehicle after you pay your deductible.
  • Accident forgiveness. This add-on can help protect your premiums in the event of an at-fault accident.
  • Enhanced accident forgiveness. Only available to those who pay for the Encompass Elite auto coverage program, this coverage applies to multiple at-fault incidents, protecting you from an unwanted hike in your insurance premiums. This could be helpful if you add a teen driver to your policy.
  • Loan or lease gap coverage. This coverage pays the difference between the amount you still owe on your vehicle and its actual cash value in the event of an accident.

Encompass car insurance rates

Rates are determined by a variety of factors including the type of vehicle you drive and your driving record, and there could be as many as 60 rate tiers available to a single applicant.

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What discounts can I get with Encompass?

  • Safe driving bonus. If all drivers on your policy have been incident-free for at least 12 months, you could be eligible for a discount of up to 5%.
  • Future effective date. It saves to plan ahead. Encompass offers discounts for drivers who have their policies issued seven or more days before the effective date.
  • Encompass easy pay. Encompass offers a discount to use its easy pay feature, allowing you to set up automatic payments on your policy.
  • New car discount. Insure a new vehicle with Encompass and you could be eligible for a policy discount.
  • Homeowners discount. If you own your home, condo, townhouse or mobile home, all vehicles on your policy could receive a discount.
  • Good payer discount. If you’d like to renew your policy with Encompass and have made on-time payments for 12 months, you could be eligible for this discount.
  • Defensive driver discount. You can get this discount if you’ve successfully completed a state-approved defensive driving course.
  • Anti-lock brake discount. Discounts if your car came with two- or four-wheel Anti-Lock Braking Systems (ABS).
  • Anti-theft device discount. Protect your car and save when you install an anti-theft device, such as an immobilizer or VIN etching.
  • Passive restraint system discount. Discounts to your medical or personal injury protection if your vehicle has factory-installed air bags or a motorized automatic seat belt restraint system.
  • Good student discount. Student drivers who maintain a 3.0 GPA or better can get a discount.
  • Driver training discount. If you are younger than 21 years old and have completed a driver’s training course with several hours of driving experience, you could be eligible for this discount.
  • Resident student discount. Become eligible for this discount if you’re a student who lives at least 100 miles from home and don’t have a vehicle with you at school.

Does Encompass offer any special programs?

  • Roadside assistance. The Encompass Roadside App provides 24/7 roadside assistance with an array of online features and services to help you manage your policy on the go.
  • MyEncompass app. Log into your Encompass account through MyEncompass from your computer, tablet or mobile device and you can view your account information, access your ID card and make payments.
  • Accident fact kit. Encompass offers a free downloadable kit to print at home and put in your car that provides a step-by-step guide to follow in the event of an accident.
  • Financing calculators. Encompass has a number of calculating tools available on its site to help determine what type of car you can afford and how best to finance it.

What’s the EncompassOne policy?

EncompassOne is a special comprehensive insurance plan, offering coverage for your home, car, valuables and more.

The EncompassOne policy is marketed as personalized protection designed to fit your life with one premium, one deductible, one agent and one easy payment.

With three tiers of protection — Special, Deluxe and Elite — you choose the coverage and premiums you want and can afford.

What’s not covered by Encompass?

While classic and antique cars are covered by Encompass, you may be required to purchase special classic or antique car insurance for your vehicle, depending on how often you drive it. This type of coverage limits the number of miles you’re allowed to drive annually.

To purchase antique car insurance, you and your Encompass insurance agent need to agree on the value of the vehicle. A professional appraiser may be called in to help determine your car’s value to ensure proper coverage.

Pros and cons of Encompass car insurance

Pros

  • Flexible coverage. Choose from a range of policy coverage options and add-ons to customize your insurance to fit your needs.
  • Vehicle discounts. Enjoy a wide range of available discounts for homeowners, good students, new cars, defensive drivers and more.
  • Online account access. From your MyEncompass account, you can access your policy information and make payments on the go.
  • EncompassOne. The EncompassOne policy offers a set amount of predetermined coverage that includes home, auto and personal effects insurance grouped under a single policy and premium.

Cons

  • Limited availability. Encompass insurance is not available in Alaska, Florida, Hawaii, Idaho, Massachusetts, Mississippi, Montana, Nebraska, North Carolina, North Dakota, Oklahoma, South Dakota and Wyoming.
  • Lack of transparency. While Encompass details coverage options and potential discounts on its site, it doesn’t provide any information about deductibles or discount rates.
  • No online application. To receive a quote from Encompass or to apply for an insurance policy, you must call a local Encompass agent near you.

What do customers say about Encompass?

Encompass is not accredited by the Better Business Bureau (BBB), but it does receive an A+ rating. A.M. Best also gives Encompass an A+ (Superior) rating.

Online reviews state that for the most part, filing a claim with Encompass is a straightforward process. However, filing a claim on the weekend can be tricky, as a few customers report having to wait until Monday to speak with a live representative.

Other reports suggest that Encompass is guilty of increasing rates over time, with several customers noticing their premiums rise incrementally each year.

How to apply

Encompass does not have an online quote or application process available. Instead, you’ll need to locate a local Encompass agent near you and call or email a representative to apply.

While applying in person is more tedious than applying online, an insurance agent can help you complete your application and answer questions about rates and coverage options.

What info do I need to apply?

  • Your address
  • Your date of birth
  • Your Social Security number
  • Your driver’s license
  • The year, make, model and VIN number of the vehicles you want insured

How do I find a Encompass agent near me?

  1. Go to the Encompass auto insurance homepage.
  2. Click the Talk to your agent button at the bottom of the page.
  3. Enter your address and click Find an Agent.
  4. Encompass makes it easy to find an agent near you with a list of agents, their contact info and location. Agents closest to you are listed first.

How to make a claim with Encompass

  1. To make a car insurance claim with Encompass, call its claims office at 800-588-7400.
  2. A field adjuster is assigned to your file and contacts you within one business day.
  3. You can choose to have your car inspected at one of Encompass’ authorized shops, or you can take your car to a repair shop you know and trust.
  4. Once your car is inspected, the field adjuster writes an initial estimate for the damages to your vehicle. After the estimate is complete, schedule any repairs that need to be done to your vehicle.

How to contact Encompass

Access your policy information or pay your bill online from your MyEncompass account.

You can also fill out an online form by going to the Encompass website and clicking Contact Us at the bottom of the homepage. Click Form, and type in your question as well as your contact info. You’ll receive an email response from Encompass within one business day.

Does Encompass offer other types of insurance?

In addition to its auto insurance, Encompass also offers the following types of insurance to make it easy to combine policies and save.

  • Home
  • Condo
  • Renters
  • Personal umbrella protection
  • Personal liability
  • Home business
  • Motorcycle
  • Recreational vehicle
  • Boat and watercraft
  • Identity theft

What are some alternatives to Encompass?

Before you apply for auto insurance, it pays to explore your options with other providers. Here are a few of Encompass’s competitors that offer similar auto insurance coverage.

  • State Farm. Unlike Encompass, State Farm offers countrywide coverage in the US, and you can easily get a free quote online.
  • Progressive. If you’re interested in a smooth online interface and transparent pricing, you’ll find it with Progressive.
  • Esurance. Online provider Esurance can handle your claims online or by phone 24/7 and has an impressive range of insurance coverage options.

Compare car insurance providers

Name Product Roadside assistance New car protection Available states
Allstate
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Liberty Mutual
Optional
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Root
Optional
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Metromile
Optional
Yes, cars under 1 year old & 15,000 miles
CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in CA, IL, NJ, OR, PA, VA and WA.
USAA
Optional
No
All 50 states
USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.

Compare up to 4 providers

Bottom line

Allstate’s subsidiary Encompass offers the traditional range of auto insurance coverage options with the added perk of a no-fuss EncompassOne comprehensive policy that combines home, auto and personal insurance.

However, Encompass isn’t available across all 50 states and lacks the online accessibility of some of its competitors.

Whether you’re interested in low rates, customizable coverage or personable customer service, there’s a provider out there that’s bound to fit your individual needs. Explore your options with other insurance providers to find what best suits you, your vehicle and lifestyle.

Find the cheapest rates

Compare the best car insurance companies near you.

Your information is secure.

Frequently asked questions about Encompass

Shannon Terrell

Shannon Terrell is a writer for finder.com who studied communications and English literature at the University of Toronto. On any given day, you can find her researching everything from equine financing and business loans to student debt refinancing and how to start a trust. She loves hot coffee, the smell of fresh books and discovering new ways to save her pennies.

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