When searching for car insurance, you might have come across Certainly Car Insurance, a digital provider backed by Liberty Mutual. Certainly offers customizable and affordable car insurance plans designed to meet the needs of today’s drivers. In this review, we will dive into Certainly’s offerings, from coverage options to customer feedback, and see how it stacks up against other insurance providers. Our goal is to help you determine if Certainly Car Insurance is the right fit for your needs.
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Overview of Certainly Car Insurance
Certainly is a newer, online-only insurance brand under the umbrella of Liberty Mutual, one of the most well-known names in the insurance industry. This backing provides Certainly with financial stability and reliability, giving customers peace of mind. The focus of Certainly is on delivering a straightforward, digital-first insurance experience, catering to tech-savvy drivers who prefer managing their insurance policies entirely online. With a streamlined approach, Certainly aims to make the process of purchasing and managing car insurance as simple and efficient as possible.
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Certainly’s primary audience consists of drivers looking for affordable, customizable car insurance options. Whether you’re a first-time driver or looking to switch providers, Certainly offers a range of plans tailored to fit different needs and budgets, all managed conveniently through a user-friendly online platform.
Coverage Options Offered by Certainly Car Insurance
Certainly provides a variety of coverage options to suit different driving needs:
- Standard Coverage: Certainly offers essential coverages like liability, collision, and comprehensive insurance. Liability coverage protects against damages you might cause to others in an accident, while collision coverage covers your vehicle if it’s damaged in a crash. Comprehensive insurance covers non-collision-related incidents, such as theft, vandalism, or natural disasters.
- Optional Add-Ons: To enhance your policy, Certainly offers optional coverages such as rental car reimbursement, which covers the cost of a rental vehicle while your car is being repaired after an accident. Other add-ons include roadside assistance for breakdowns and towing, as well as uninsured/underinsured motorist protection, which protects you if you’re involved in an accident with a driver who lacks sufficient coverage.
- Customizable Policies: One of Certainly’s strengths is its flexibility. Customers can tailor their policies to meet their specific needs and budgets, selecting the types and amounts of coverage that are most important to them. This customization allows you to avoid paying for unnecessary coverage while ensuring you have the protection you need.
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Certainly Car Insurance Pricing and Discounts
- Cost of Coverage: Certainly is known for its competitive pricing, which can vary depending on factors such as your state, driving record, and age. For example, a driver in California might find rates for full coverage starting around $100 per month, while a similar policy in Texas could start at $85 per month. Liability-only policies tend to be less expensive, but the cost depends heavily on individual circumstances.
- Discount Opportunities: While Certainly does not publicly list specific discounts, there are ways to save. Potential savings could come from bundling policies, maintaining a clean driving record, or other factors. We encourage you to request a personalized quote to see what savings may be available to you.
Customer Reviews and Feedback – Certainly Car Insurance
- Positive Feedback: Customers often highlight Certainly’s affordable premiums, straightforward online platform, and responsive customer service as significant positives. Many appreciate how easy it is to file claims and manage their policies through the digital interface. The support team is often praised for being prompt and helpful in addressing customer concerns.
- Common Complaints: Some customers have reported challenges, such as difficulties canceling policies or unexpected rate increases after the initial policy period. A few also mentioned issues with denied claims, although these cases appear to be relatively rare. While most reviews are positive, it’s important to be aware of these potential concerns.
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Pros and Cons of Choosing Certainly Car Insurance
- Pros:
- Affordable and Competitive Pricing: Certainly offers competitive rates for both basic and comprehensive coverage, making it a good option for cost-conscious drivers.
- Easy-to-Use Online Platform: The digital tools provided by Certainly make managing your policy simple and efficient.
- Backed by Liberty Mutual: Being supported by a well-established insurer like Liberty Mutual adds credibility and trustworthiness.
- Cons:
- Limited Availability of Public Discounts: Unlike some competitors, Certainly does not openly advertise many discounts, which might limit potential savings.
- Customer Service and Policy Cancellation Challenges: Some customers have reported difficulties in canceling policies or getting timely support.
- Newer Company: As a newer player in the market, Certainly has a less established presence compared to long-standing insurers.
Comparison of Certainly Car Insurance with Other Providers
- Comparing Costs: When stacked against competitors like GEICO, Progressive, and State Farm, Certainly’s rates are generally competitive, particularly for drivers looking for basic coverage. However, the availability of discounts from other providers might make them a more attractive choice for some.
- Comparing Customer Service: Certainly’s customer service receives generally favorable reviews, with users noting its responsiveness and ease of use. However, compared to companies like USAA or Amica, which are known for their exceptional customer service, Certainly may still have room to grow.
- Unique Features: One of the standout features of Certainly is its digital-first approach. This focus on an online, streamlined experience is ideal for drivers who are comfortable managing their insurance needs digitally and prefer a quick and easy way to handle their policies.
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How to Get a Quote from Certainly Car Insurance
- Step-by-Step Process: Getting a quote from Certainly is simple. Visit the Certainly website and enter your personal and vehicle information. The platform will guide you through the process, allowing you to choose your desired coverage options and view your personalized quote instantly.
- Comparing Quotes: Always compare quotes from multiple providers to ensure you’re getting the best deal for your needs. Consider factors like coverage limits, deductibles, and customer service when evaluating different options.
Is Certainly Car Insurance Right for You?
- Ideal Candidates: Certainly is a great fit for tech-savvy drivers who are comfortable managing their insurance needs online. It’s also suitable for those seeking affordable, customizable coverage and who value a straightforward, digital-first experience.
- Considerations Before Choosing: While Certainly offers many benefits, consider its newer market presence and some mixed reviews about customer service. Ensure you’re comfortable with a digital-only experience and that you’re aware of the potential for policy management challenges.
Conclusion
Certainly Car Insurance offers an affordable, customizable solution for drivers looking for a digital-first experience. While there are some drawbacks, such as limited discounts and a newer market presence, its competitive pricing and backing by Liberty Mutual make it a solid choice for many. To determine if Certainly is the right fit for you, consider getting a quote and comparing it with other providers. Share your experiences with Certainly Car Insurance in the comments below or visit their website for more information.
FAQs About Certainly Car Insurance
What coverage options does Certainly offer?
Certainly provides standard coverage options like liability, collision, and comprehensive, as well as optional add-ons such as roadside assistance.
How can I save money with Certainly Car Insurance?
Potential savings could come from bundling policies or maintaining a good driving record. Contact Certainly for personalized pricing.
How do I file a claim with Certainly Insurance?
Filing a claim can be done quickly through Certainly’s online platform or by contacting their customer service team.
Is Certainly Insurance the same as Liberty Mutual?
Certainly is backed by Liberty Mutual but operates independently as a digital-first insurance provider.