Infinity Car Insurance is a company that provides non-standard auto insurance. It’s owned by Kemper Corporation, and although they provide insurance for drivers who have clean records, this company specializes in covering drivers who might have some bumps on their driving records. If you have had trouble finding auto insurance, take a look at Infinity Car Insurance and what they offer.
Infinity Car Insurance History
Infinity Car Insurance started as the Dixie Insurance Company back in the 1950s. In 1978, it changed its name to Infinity, and over the past several decades has been bought and sold by several different companies. It’s now part of Kemper Corporation, an insurance company based out of Birmingham, Alabama.
What Is a Nonstandard Insurance Company?
Image via Flickr by free pictures of money
Infinity provides nonstandard insurance, but what exactly does this mean? While most insurance companies look for drivers with the least amount of risk, nonstandard insurance companies specialize in covering drivers who might have a hard time getting coverage elsewhere. These companies target high-risk drivers and will cover them without considering their credit history. Some situations that may make someone a nonstandard driver include:
- Incidents on your driving history. Everything from a speeding ticket to accidents or a DUI can flag you as nonstandard.
- An SR-22 requirement. Drivers who have had their license suspended or revoked may have to file a special SR-22 form as extra proof of insurance.
- New drivers. New drivers with less experience are considered a higher risk.
- Lapse in coverage. Insureds who let their coverage lapse are often considered a higher risk. Their premiums often rise if they don’t have coverage or had a policy canceled due to nonpayment. If someone drives their car without insurance, they are an even higher risk.
- Foreign driver’s license. A temporary U.S. resident with a license from another country might not be eligible for standard auto insurance.
Nonstandard auto insurance is usually more expensive than standard insurance. Not every insurance company provides nonstandard auto insurance, so if you fall into this category, you might have to do some shopping around to get coverage. Infinity Auto is one company that will cover drivers who can’t get standard insurance.
What Does Infinity Car Insurance Offer?
Infinity provides basic insurance coverage, including:
- Bodily injury liability
- Property damage liability
- Medical payments
- Personal injury protection
- Uninsured and underinsured protection
- Collision
- Comprehensive
Infinity offers three standard options, or you can customize your coverage if you need to stay within a specific budget.
All the policies also include DriverClub roadside assistance. This gives Infinity policyholders access to Infinity’s network of emergency service providers. The membership is free, and drivers just need to pay for the services they use. For example, their membership provides access to a large network of local towing companies, but if they need a tow, they have to pay for the service.
DriverClub is an industry-leading program with 24/7 access to services across the country. Once you are a member, if you need service, you can just call the DriverClub number. A service expert will assess your needs and get you help. If you need emergency assistance, they will even dispatch it on the same call. Registration for DriverClub is easy. It takes just a few minutes to sign up, and once registered, you’ll get your membership cards by email.
Infinity Car Insurance Discounts
Just like a regular insurance company, Infinity offers discounts for certain policyholders. If you have multiple cars on your policy, you can get a discount, and if you own a home you can often get a discount. Paying your premium in full for the year often makes you eligible for a discounted rate, and there are also discounts for setting up automatic payments.
Infinity offers a 15% discount to drivers who switch from another insurance company. This 15% can make a big difference for substandard drivers who have higher premiums.
While Infinity specializes in substandard insurance policies, they also provide insurance to drivers with clean records and have discounted premiums for being a safe driver.
How To Get Insurance From Infinity
Getting a quote from Infinity is easy. You just need to go to the Infinity website and enter some information about you and your vehicle. If you need help, service representatives are available through online chat, or you can call to speak with someone.
In order to get your quote, you’ll need to provide:
- Driver information. They need to know who will be insured to drive your vehicles. Have names, birthdates, and license numbers for each driver.
- Car information. They need to know the make, model, and year of all the covered vehicles. Having the VIN makes this easy.
- Insurance information. If you are transferring insurance companies, have the details about your most recent insurer.
If you provide all this information online, you can get a quote online or by email. If you want to talk with a customer service agent, they can provide you with a quote and also send it by email.
How Do I File a Claim With Infinity Car Insurance?
If you find yourself in a situation where you need to file a claim after an accident, you can do it online or over the phone. Once you file a claim, you can also view it and look for updates online, with 24/7 access to the information.
Infinity has a list of preferred repair shops called the Repair Satisfaction Vehicle Program or, more recently, the Kemper Repair Network. The shops that are a part of this program make repairing your vehicle a priority. You can find a list of providers in your area by entering your zip code. A list of repair shops will come up along with their address, phone number, and contact information.
Infinity Car Insurance is a good place to start for high-risk drivers. Their expertise in nonstandard insurance means they will work with you, and they provide auto insurance coverage you need, whether it’s the state minimums or a more robust policy. This company also serves drivers with a clean driving record, and the discount you can get for safe driving makes it worth taking a look.
At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.
