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Sun Coast General Car Insurance Review(Nov 2024)
Sun Coast General Car Insurance Review
(Nov 2024)
Sun Coast General Insurance Agency, is a regional auto insurance provider offering affordable rates in Alaska, Arizona, California, Colorado, Florida, Hawaii, Nevada, Oregon, Utah, and Washington. It received a high rating from Jerry in 2023 in the states where it operates.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- Comprehensive Sun Coast General Car Insurance Review
- So, is Sun Coast General a good insurance company?
- Sun Coast General car insurance reviews
- Sun Coast General pros and cons
- Is Sun Coast General the right insurance company for you?
- Is Sun Coast General car insurance expensive?
- Will Sun Coast General raise your rates?
- Does Sun Coast General resolve claims fast?
- Does Sun Coast General have good customer service?
- Sun Coast General car insurance discounts
- Sun Coast General coverage options
- Sun Coast General’s additional tools and services
- FAQs
- Read all Sun Coast General Car Insurance Reviews
- Methodology
- Meet Our Experts
Load full table of contents
Comprehensive Sun Coast General Car Insurance Review
Sun Coast General Insurance Agency, Inc. was founded in 1980 and is a smaller auto insurance provider offering low rates to drivers in Alaska, Arizona, California, Colorado, Florida, Hawaii, Nevada, Oregon, Utah, and Washington. Jerry has rated it highly among 2023's insurance providers in the states where it’s offered.
Here’s some feedback from actual Sun Coast General policyholders:
4.1
51 Reviews
5 Stars
45.1%
4 Stars
27.45%
3 Stars
23.53%
2 Stars
0%
1 Star
3.92%
So, is Sun Coast General a good insurance company?
Overall, Sun Coast General is a solid insurance provider with strong reviews from a small customer base.
We examined 20+ verified customer reviews for Sun Coast General and discovered that 77% had a positive assessment of the service they received, while about 22% had merely neutral feelings about their experience—as of writing this article, we had received no negative reviews!
When compared to the national average of only 64% positive reviews and 18.54% negative reviews, it's clear why Sun Coast General performed well in our survey. Sun Coast General has a wide range of insurance products and excellent customer service, which are both significant benefits for the company.
The drawbacks: Sun Coast has limited availability and doesn’t allow policyholders to directly file claims online.
In our polls, we asked policyholders about their experiences with Sun Coast General's pricing, claims processing, customer service, and policy renewal procedures.
Take a look at the table below to see how Sun Coast General stacked up against the other insurance companies:
| Criteria | Sun Coast General's Rating | Industry Average |
|---|---|---|
Overall | 4.3 | 4.1 |
Cost / Price | 3.9 | 3.8 |
Claim Experience | 4.5 | 3.5 |
Customer Service | 4.5 | 4 |
Renewal Experience | 4 | 4 |
When assessing Sun Cost General’s strengths and weaknesses, we also took a look at other industry leaders and how they ranked against Sun Coast General. Here's how they compare to the top score possible:
Critera | Sun Coast General | Score Out Of |
|---|---|---|
BBB Rating | A+ | A+ |
Sun Coast General car insurance reviews
Actual Sun Coast General clients were surveyed to get a feel for how they felt about the company's performance relative to a number of criteria. Here are some honest thoughts from policyholders of Sun Coast General:
Sun Coast General pros and cons
Based on the results of our national insurance customer satisfaction survey and third-party ratings that are available to the public, here are the pros and cons of buying a car insurance policy from Sun Coast General:
ProsVery client-focused, with great customer service
Transparent insurance processes
ConsLimited availability
Cannot file insurance claims online
Is Sun Coast General the right insurance company for you?
Sun Coast General is frequently regarded as one of the top auto insurance providers for:
- Drivers who prioritize excellent customer service
- Drivers looking tobundle their auto insurance with homeowners insurance
- Drivers who frequently travel to and in Mexico by car
But as a smaller-tier insurance provider, Sun Coast General is only available in the following 11 states:
Sun Coast General offers basic auto insurance and
home insurance
. They also offer some special coverages, like Mexico auto insurance, commercial auto insurance
, watercraft and boat insurance, and even yacht insurance!Follow the links below to jump to different parts of our review of Sun Coast General's car insurance:
Is Sun Coast General car insurance expensive?
From all our indications, Sun Coast General is a fairly affordable insurer.
Sun Coast General's costs were brought up in only 4.1% of reviews, but 100% of those reviews were positive! Reviewers seem to agree that auto insurance from Sun Coast General is reasonably priced.
Due partly to the small sample size, Sun Coast General Insurance Company came in at 15th in our analysis of customer satisfaction with insurance premiums compared to companies of a similar size. In comparison to ratings across the country, they're just slightly above average, with a 3.87/5 versus 3.81/5. Here are the results of our comparison of Sun Coast General to other insurance providers:
| Sun Coast General Policy Cost Rating | Ranking | Industry Average |
|---|---|---|
3.9 | 15 | 3.8 |
Sun Coast General's rates vary by driver, so it's important to keep that in mind when shopping around. Sun Coast General, like most insurance companies, considers the following factors when establishing your premium:
Insurance companies in every state can use their own rating factors to set premiums, but rates will vary nationwide. When we examine the Sun Coast General data, we notice the following trends:
Sun Coast General cost reviews
Take a look at how real Jerry users rated Sun Coast General based on cost below:
Will Sun Coast General raise your rates?
Just like with any other insurance company, Sun Coast General can increase your premiums every time you
renew your policy
.It's not uncommon for insurance rates to shift over time, regardless of what happens to your driving record or any other possible factors. Your premium may be increased by Sun Coast General for the following reasons:
- New address
- New tickets, violations, or accidents
- New vehicle on the policy
- New driver on the policy
- Inflation
Among drivers surveyed by Jerry, around 33% had renewed their Sun Coast General auto insurance policy.
Does Sun Coast General resolve claims fast?
Many insurance companies, including Sun Coast General, take around 30 days on average to resolve a claim. However, the specifics of your case will determine how long it takes to settle your
auto insurance claim
.Sun Coast General's claims service was highly regarded by its clientele, who rated it 4.5 stars out of 5. Our survey found that about 33% of those with Sun Coast General insurance have made a claim.
Sun Coast General received a better rating than the industry standard (3.54 out of 5). We ranked Sun Coast General 2nd for claims handling among businesses of a similar size.
Check out the comments below to get an idea of what it's like to file a claim with Sun Coast General:
| Sun Coast General Claims Resolution Rating | Ranking | Industry Average |
|---|---|---|
4.5 | 2 | 3.5 |
Sun Coast General claims reviews
Check out how real Jerry users rated Sun Coast General based on claims handling below:
Does Sun Coast General have good customer service?
Sun Coast General excels in customer service.
Respondents to the survey gave Sun Coast General's customer service a 4.5 out of 5 overall rating. Sun Coast General provides outstanding customer service when compared to the national average of 3.9 stars.
Our survey revealed the following about the quality of customer service provided by Sun Coast General:
| Sun Coast General Customer Service Rating | Ranking | Industry Average |
|---|---|---|
4.5 | 7 | 4 |
Sun Coast General customer service reviews
See how real Jerry users rated Sun Coast General based on customer Service below:
Sun Coast General car insurance discounts
Sun Coast General has a number of
car insurance discounts
that can help you save money on your auto insurance costs. Sun Coast General offers the following discounts:
- Advance shopping discount: Setting up automatic payments for your car insurance bill each month could earn you immediate savings.
- Safe driver discount: If you haven't had an accident in the past 5 years, you could save up to 20% on your car insurance.
- Homeowners discount: Auto insurance discounts are available to homeowners in some states.
- Multi-car discount: With a multi-car discount, you can save money when you insure more than one vehicle.
- Prior insurance: If you already have insurance, planning ahead and shopping early may get you a discount for early shopping.
Keep in mind that, in the time since this page was updated, your insurance policy may have gained or lost discounts. Sun Coast General's most recent discount information is always available at
www.suncoastinsurance.com
or by speaking with a representative.Sun Coast General coverage options
Although all insurers are required by law to provide at least the
minimum liability coverage
required in your state, Sun Coast General also provides several optional extras. Sun Coast General offers these types of coverage:
- Liability car insurance: Depending on where you live, you may need to buy eitherbodily injury liabilityorproperty damage liability(or both!) to cover claims from other drivers if you cause an accident.
- Uninsured/underinsured motorist coverage: Many states require uninsured motorist coverage to pay for your bills if you get into an accident with an at-fault driver who doesn't have enough liability coverage.
- Collision insurance:If you have a collision with another car or stationary object, or a rollover accident, this coverage will help pay for the damage.
- Comprehensive insurance:This insurance pays for damage that wasn't caused by a collision, like damage caused by theft, vandalism, an animal, or bad weather.
- Medical payments (MedPay):In the event of a car accident, you and your passengers will be covered by MedPay.
- Roadside assistance: Sun Coast General covers services like towing, locksmiths, and battery jumpstarts. This type of coverage is also known astowing and labor coverage
Sun Coast General’s additional tools and services
Sun Coast General is not limited to providing insurance for vehicles, as they're also a good option for the following additional policies:
- Mexico auto insurance
- Yacht insurance
- Boat insurance
- Watercraft insurance
- Business insurance services
- Professional liability
- Commercial auto insurance
Keep in mind that these options aren't always offered, depending on things like your location and the details of the policy you choose. To find out more about how to meet your insurance needs, visit the Sun Coast General website or give them a call.
FAQs
How do I file a claim with Sun Coast General?
To file a claim with Sun Coast General, you should first visit the claims portal on the Sun Coast General website for a list of their partnered insurance companies by state.
Before you file your claim, you'll need to have some basic information on hand. This includes information about the accident scene, the other driver(s)' insurance, license, and contact information, and any police report from the incident.
Where is Sun Coast General car insurance available?
Sun Coast General offers car insurance coverage in eleven states: Arizona, Alaska, California, Colorado, Florida, Hawaii, Nevada, Oregon, Texas, Utah, and Washington.
Does Sun Coast General have good reviews?
Yes! More than 400 current policyholders of Sun Coast General gave the company an average rating of 4.3 out of 5 in Jerry's survey.
What is the phone number for Sun Coast General?
The main customer service number for Sun Coast General auto insurance customers is (800) 300-8838. To get a quote by phone, you can call (877) 240-4678 or download the Jerry app.
Read all Sun Coast General Car Insurance Reviews
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.
Meet Our Experts
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.