Aspire Advantage is a California-based company that offers insurance to mostly non-standard and high-risk drivers in California, Michigan and Arizona. The company is rated as relatively financially strong, though some of its competitors have better ratings, and a notably high complaint index with the National Association of Insurance Commissioners (NAIC). Though the insurer offers a few coverage options and a handful of discounts, consumers say they are relatively dissatisfied with the claims handling process.

Pros:

• Flexible payment plans and ability to choose payment date.
• Helpful additional coverage, like stereo insurance.
• Online and mobile policy management.

Cons:

• Poor customer rating for claims handling.
• Available in three states.

Is Aspire Advantage the right insurance company for you?

Aspire Advantage may be a good option for drivers who: 

• Need coverage in California, Michigan or Arizona.
• Want flexible payment options.
• Have violations on their record.

Not every driver in these categories is guaranteed to find the lowest possible rates with Aspire. But if you’re classified as a high-risk driver and you live in one of the three states where the insurer operates, you could save money by switching to Aspire.

Aspire Advantage provides car insurance including full coverage, liability coverage, uninsured/underinsured motorist (UM/UIM) coverage, and personal injury protection (PIP) coverage. Although the insurer doesn’t offer other forms of insurance like renters or homeowners insurance, Aspire Advantage does offer convenient payment choices like phone-based payments or monthly electronic funds transfers.

Is Aspire Advantage car insurance expensive?

The majority of Aspire customers we surveyed were happy with their policy costs. We’ve analyzed more than 400,000 policy quotes that customers have received, and Aspire ranks well in the cost category.

In our survey, 30% of the reviews mentioned cost — and 85% of those mentions were positive.

Furthermore, policyholders gave Aspire an impressive 4.7/5 average rating on cost. The national average 3.8/5, so Jerry customers using Aspire are happier with their premiums than the average driver. 

Overall, we find that Aspire offers affordable rates to some driver profiles in California, Michigan and Arizona.

Keep in mind: Car insurance rates are tailored to each individual. Your quote will be different from someone else’s quote. Like other insurance providers, Aspire Advantage calculates insurance premiums by taking into account:

• Age.
• Gender (when allowed).
• Driving record.
• ZIP code.
• Insurance history.
• Driving experience.
• Type and amount of coverage.
• Vehicle make, model, and year.

California and Michigan forbid the use of credit scores in determining car insurance rates.

Find real Aspire Advantage car insurance quotes

These are recent quotes that Jerry customers have received for Aspire auto insurance.

Does Aspire Advantage resolve claims fast?

Aspire offers 24/7 claims reporting but many policyholders were unhappy with the process, rating it 1.5/5.

Aspire’s claims processing rating puts it at the lower end of its cohort when compared with similar companies. The claims process is one of the rare times you’ll interact with your insurer, and it’s often a stressful time, so it’s important that the insurer provides a smooth process.

The national average rating for car insurance claims handling is 3.5/5, so Aspire could stand to improve its claims processing to measure up to its competitors.

The company has a B++ (Good) financial strength rating from AM Best, meaning the insurer has a relatively solid ability to pay out claims. That’s not necessarily a bad rating, but most top car insurance companies have earned A, A+ or A++.

More concerning is its rating with the NAIC. Aspire has a very high complaint index, indicating the company has received many more complaints than is expected for a company of its size.

How Jerry customers rate Aspire Advantage

Hundreds of Jerry customers have purchased Aspire policies and left mostly positive reviews for the company.

Aspire car insurance discounts

Aspire does not offer any bundling discounts because they only sell car insurance. That said, there are plenty of other car insurance discounts offered:

• Good driver discount: Drivers who have held a license for three consecutive years and have received no recent traffic violations can earn a cheaper premium.
• Multi-vehicle: If you insure more than one vehicle with Aspire, you can get a cheaper rate.
• Mature driver: Drivers older than 55 can complete a state-approved driver safety course for a discount, so long as they are the primary driver on their policy.
• Alcohol education awareness: Complete a state-approved alcohol educational awareness program for a lower rate.

There may be a discount for adding anti-theft devices to your vehicle, too. 

Discounts can change at any time: To stay up-to-date with the most current and comprehensive information regarding Aspire Advantage’s discounts, check with an Aspire insurance broker near you.

Aspire coverage options

Aspire offers two different insurance coverage packages: Savings and Advantage.

Aspire offers the most common types of insurance that meet the minimum coverage requirements in California, Michigan and Arizona. The insurer does not allow policyholders to increase bodily injury coverage beyond the state minimum.

Here are some of the core coverages offered by Aspire:

• Liability insurance: Drivers can buy bodily injury liability and property damage liability coverage as required by their state to cover claims for other parties in at-fault car accidents. 
• Uninsured/underinsured motorist coverage: If the other driver’s insurance can’t pay enough to help you after a car crash, UM/UIM steps in to help your medical bills and repairs to your car. 
• Comprehensive coverage: If your car is stolen or damaged by things like fire, weather or vandalism, comprehensive coverage kicks in after you’ve paid the deductible.
• Collision coverage: Collision insurance helps pay to fix your car when it’s been damaged in a crash, such as a multi-car accident, a guardrail scrape or a rollover. 
• Personal injury protection: This is required in no-fault states. It helps pay for things like doctor bills, lost income, and other costs related to your health and the health of the people in your car if you’re in an accident.

Aspire offers more options for drivers who prefer extra coverage or have special circumstances:

• Named non-owner coverage endorsement: For individuals who do not own a vehicle, this option offers liability coverage for instances when you have to drive.
• Stereo/sound system insurance: This is an optional, extra coverage that applies to permanently installed OEM sound systems.
• Utility trailer insurance: If your vehicle is insured with Aspire, you can buy liability coverage for your trailer, too.
• Rental reimbursement: If your car is not driveable after a covered accident, you may need a rental car to get around. Aspire General will cover $20 or $30 a day for up to 20 or 30 days. 
• Towing and labor: This costs an extra $5 per month. You’ll get reimbursed $50 per disablement, up to $200 max per year.

Aspire’s additional tools and services

Aspire Advantage does not offer any special usage-based programs or accident forgiveness benefits. 

It does offer online and mobile app policy management, bilingual service, flexible payment plans and a discount for participating in an approved alcohol awareness education course.

You can pay your Aspire General car insurance premium with a credit card but there is an additional service charge.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 18,000 customers surveyed and 120 carriers reviewed in the past 18 months). We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.