Titan car insurance review April 2018

27 March 2018

Car insurance for high-risk drivers at an affordable price

Titan offers a broad range of individual and commercial auto insurance options, plus discounts for certain qualified drivers.

What is Titan Insurance?

Titan is part of the Nationwide Insurance network and operates in 23 states. Based in Ohio, Titan offers both personal and commercial auto insurance, and specializes in providing policies to high-risk drivers having trouble finding coverage with other insurers.

The company operates in the following states.

What kinds of insurance does Titan offer?

Titan offers coverage and add-ons to support most kinds of car insurance coverage.

• Liability protection. Pays when you’re at fault for an accident that results in property damage or bodily harm.
• Collision and comprehensive damage. Pays for damages to your car if you hit another car or object and damages resulting from fire, flooding, hail, theft or vandalism.
• Personal injury protection. PIP covers medical bills and indirect expenses resulting from an accident, filling in the gaps between your medical insurance and actual billed costs.
• Uninsured or underinsured motorists. Pays for, or fills in the gap for damages or injuries to you and your passengers caused by a hit-and-run or accidents with uninsured or underinsured drivers.
• Extended coverage. This takes care of flatbed towing, roadside assistance, full glass replacement and even spare parts coverage.
• Towing and roadside assistance. When you’re stuck or stranded, you can get reimbursed for towing or roadside assistance that you pay for out of pocket.
• Rental car. This coverage option will provide a rental car while your vehicle is being serviced after an accident.
• Gap coverage. Pays the difference between what you owe and the value of your vehicle if it’s totaled in an accident.
• Accidental death. Partial coverage in the event of an accidental death caused by an accident.
• Special equipment coverage. Coverage for after-factory additions to your vehicle like custom stereo systems or car rims.
• Non-owner. Coverage for drivers that don’t own the car they drive.

Can I get any other kinds of coverage from Titan?

Titan only offers coverage for commercial and personal vehicles. Though it’s parent company, Nationwide offers home, life, renters, condo, event, motorcycle, income property and even dental coverage.

Pros and cons

When you’re comparing insurance providers, a few key factors can help you decide on the one that’s right for you. Certain things may affect you more than others:

What do customers say about Titan?

Since Titan is part of Nationwide Insurance, it doesn’t have its own independent rating from the Better Business Bureau (BBB). Nationwide’s BBB rating is A+ based on factors like transparency, responsiveness, customer complaint resolution and time in business. It also gets a combined BBB score of 3.73 out of 5 possible stars with customer reviews and complaints factored in.

Customers tend to be pretty harsh on Titan and Nationwide as a whole for issues with customer service. In fact, on the BBB’s website, Nationwide has 99 customer reviews and 94 of those are negative — significantly more than the industry average. The most common complaints involved delaying or outright denying claims that customers believe should be covered under a policy.

A note about customer reviews: Consumer ratings and reviews can give valuable insight into what it’s like to deal with a company as a customer, but they rarely tell the whole story. Remember that customers don’t typically rate a product or service unless they want to rant and rave, so take these aggregated scores with a grain of salt.

Bottom line

Titan offers a range of standard and nonstandard coverage for at-risk drivers, and you may find coverage through this provider that you couldn’t find elsewhere. And if you meet its criteria you could save with Titan’s discounts. But, if you’re seeking premium customer care and don’t mind paying a bit extra for it, you may be better off seeking coverage elsewhere.

As always, weigh your options and priorities with what this provider offers, and compare Titan to other insurers with our comprehensive auto insurance guide to make sure you get the best rate and coverage.

Frequently asked questions

• Can I handle bills and claims online?

  Unfortunately, you can’t file claims online with Titan. But you can pay bills through their website — it’s mobile app was discontinued in 2015.

• Will my premiums go up if I file a claim?

  Unless your policy has some kind of rate locking agreement, your premiums could increase any time the company thinks your risk level has gone up. This includes several kinds of claims, including accidents where you were judged to be at fault.

• Can I get discounts with Titan?

  Yes you can. Good students and mature drivers may qualify for a 5% discount on their premiums, and there’s also a 5% discount possible for customers with multiple Titan policies. For multi-vehicle policies, possible discounts can go as high as 15%.