Fred Loya offers auto insurance to non-standard or high risk drivers in its six state markets. Fred Loya Insurance originated in Texas and expanded its market to the following states: Illinois, Colorado, Nevada, California, and New Mexico. The company is known for picking agency locations that are near public shopping centers, office buildings, grocery stores and other areas with high levels of foot traffic. Drivers with poor credit, a limited driving history, and other drivers who may have difficulties getting insured are a part of the company’s target market. Fred Loya has been the subject of numerous complaints from current and former customers online, mostly regarding customer service and claims related problems.

Frankenmuth Insurance is a well-established insurance company that sells insurance in 15 states and offers some unique coverage options to its state markets. Frankenmuth is not a large enough company to have been reviewed by third party organizations like J.D. Power, but it has received positive reviews from A.M. Best for its financial outlook and stability. Frankenmuth has grown substantially from the time it was founded, and currently offers a wide range of insurance options. Although there have been some negative reviews of the company, it may serve as a good option for auto insurance seekers who live in one of its markets.

Dairyland Insurance is a subsidiary of Sentry Insurance and specializes in offering auto insurance to the non-standard driver market along with standard motorcycle insurance in 42 states. Dairyland insures drivers that are considered high risk such as those with DUIs and multiple moving violations, bad credit, drivers with multiple accidents and other drivers that might be considered a higher than normal risk. Dairyland markets its auto insurance to these drivers but sells motorcycle insurance to all types of drivers. Dairyland has several positive reviews for its motorcycle coverage, but its auto coverage has received less favorable reviews. For insurance seekers who may have difficulty getting insurance from other providers, Dairyland offers insurance options and may be considered as a viable alternative to other insurers.

Ocean Harbor Insurance is a Florida based auto insurance company that specializes in selling minimum liability coverage to the local market. It is a relatively new company that has received a fair financial outlook in the most recent A.M. Best survey, but it has also been marred by customer complaints regarding claims related issues. The company offers a unique roadside assistance program with several benefits and all of the minimum coverage options that the state requires, along with some optional coverage. Florida insurance seekers who are looking for affordable coverage options might consider getting a quote from Ocean Harbor but the negative reviews of the company are a concern and should be taken into consideration.

Del Toro Insurance sells auto insurance products to the South Florida with extensive advertising campaigns and markets its products to high-risk drivers in this area. Del Toro is not a widely known insurance company, but it has grown in the South Florida market since 1998 and works with larger insurance companies that underwrite its customers’ policies. Del Toro sells the minimum liability coverage required by Florida along with other coverage options. The company’s quality of service and financial status is relatively unknown due to the lack of customer reviews and independent third party ratings.

Meemic Insurance is a Michigan based auto insurance company that specializes in offering auto insurance to educational professionals. Meemic offers insurance only to the states of Michigan and Wisconsin but it offers auto, home, umbrella, and watercraft coverage. The company offers unique discounts and tailors its insurance offerings to education professionals with unique discounts. Meemic Insurance has multiple positive reviews from satisfied customers online, and although it has not been reviewed by J.D. Power it is still a very good choice to consider for educators and employees of educational institutions in Michigan and Wisconsin.

Countrywide Insurance is an auto insurance provider that offers its insurance exclusively to the downstate New York market, in spite of its name. Countrywide Insurance has been rated lower than other insurance providers for financial stability by A.M. Best and has also received some negative reviews online. Countrywide mentions that it offers low limit liability insurance at affordable rates, but there is not that much information readily available on the types of coverage that the company has to offer. The negative reviews of the company and its relative lack of financial stability are areas of concern, but it should be noted that company was recently revised to a “stable” financial outlook by A.M. Best.

Access Insurance Company specializes in offering auto insurance to individuals who may have difficulty getting insured at other insurance companies such as those with bad credit, non U.S. citizen drivers, drivers with DUIs, and others. Access Insurance operates in 14 states, and it is a relatively new but fast growing private insurance company. The company has not been reviewed by A.M. Best or J.D. Power most likely due to the fact that it is a newer and smaller insurance company. Access Insurance offers bilingual customer support and flexible low down payment plans to its customers. It has been rated among the fastest growing insurance companies in the U.S. by several publications, but it has been the subject of some customer complaints online.

Ameriprise and Costco have teamed up to offer a variety of vehicle, renters, specialty, and umbrella insurance products to Costco members with some exclusive discounts. Costco insurance is offered in 42 states and the District of Columbia. There are mixed reviews of Costco auto insurance online, with many customers expressing their satisfaction with the affordable price and unique discounts, and others expressing difficulties with customer service among other issues. Ameriprise insurance is known for its affordability and cost savings, and J.D. Power rated Ameriprise favorably for overall customer experience with 4 out of 5 power circles in the California market. With favorable reviews from J.D. Power along with potential insurance savings, current Costco customers may benefit from getting a quote from Ameriprise for auto or other insurance needs.

Commerce Insurance Company, based in Massachusetts, offers a wide range of insurance products for the residents of Massachusetts and New Hampshire. Its sister subsidiary companies offer auto insurance in several other states, and the parent company is MAPFRE, one of the largest and most financially stable insurers in the world. Commerce is known for being the largest auto insurer for the state of Massachusetts and a major provider in New Hampshire. The company offers numerous discounts to its policy holders and unique programs to reduce premium costs. Commerce has had complaints in regards to its claims processing but still remains a popular insurance option for Massachusetts and New Hampshire residents.