Titan Auto Insurance

Insurance for High-Risk Drivers

Titan Auto insurance is a Specialty Auto carrier that caters to high-risk drivers. Standard and preferred insurance companies would not even consider insuring most of Titan's customers. This car insurance company specializes in insuring licensed drivers who:

• Have no prior insurance
• Have lapsed insurance coverage
• Have little driving experience
• Have accidents, violations and even Driving While Intoxicated (DWIs)
• Have an international drivers license
• Need proof of insurance (an SR-22)

Passenger Automobiles

Titan underwrites private passenger automobile insurance through Titan Indemnity Company. It is rated A+ (superior) by A. M. Best for financial stability. A. M. Best is a rating organization that evaluates an insurance company's financial strength and its ability to pay out claims for all its policyholders. An "A" rating indicates that Titan is a financially-stable company that can ably meet it obligations to policyholders.

Commercial Vehicles

In addition to private automobile coverage, Titan also provides commercial automobile insurance through independent agents. Its commercial insurance coverage is specifically tailored to meet the needs of mono-line commercial auto risks that are "hard to place." It is unique in the breadth of auto risks that qualify for coverage. This commercial policy offers liability limits of up to $1,000,000 Combined Single Limit (CSL). It offers SR-22 filings or Form E if needed, and does not have any gross vehicle weight restrictions. Titan offers its commercial insurance in Michigan, California, Indiana, Florida and Texas.

The Titan Auto Insurance Policy

Titan provides its customers with affordable car insurance for their private passenger vehicles. It specifically offers coverage that is commonly called nonstandard auto insurance, which is tailored to the typical needs of this high-risk market. The company focuses on providing minimum-limit liability coverage. This is coverage that meets the minimum limits of insurance required by the law of each state. While coverage limits vary by state, every state demands that every driver have liability coverage at a minimum. Basic liability coverage consists of:

• Bodily injury coverage - This is coverage that pays out for injury when you are at-fault in an accident.
• Property damage coverage – This is coverage that pays for any damage to another person's car or other property

High-risk drivers also have the option of purchasing physical damage insurance for their vehicles, which includes collision and comprehensive coverages. Because Titan focuses on writing non-standard policies, Titan's liability rates are pretty competitive. The rates for physical damage coverage, which is not a state requirement, are usually not as competitive as those offered by standard and preferred insurers.

Titan Insurance Policy Features and Benefits

• Highly competitive insurance rates
• Generous policy discounts
• Low down payments
• Immediate coverage
• Flexible, affordable payment plans from bank accounts or credit cards
• Immediate insurance ID cards and SR-22s
• Great customer service in both English and Spanish
• A highly responsive claims service
• Financial stability (A. M. Best A+ rating)

Titan Auto offers insurance in several states. Its sales operations vary from one state to the other. In some states, it has corporate-owned storefronts that offer nothing but Titan non-standard coverage. Customers can walk-in to get a quote and/or purchase a policy. It has these stores all over Arizona, Florida, California, Ohio, Indiana, Colorado, Texas, New Mexico, Nevada and Pennsylvania. In other states, such as Michigan, Titan offers its insurance through independent agents. Drivers can also get quotes and purchase insurance over the phone.

Titan Auto Policy Services

• Sales 1-800-TITAN-UP (1-800-848-2687)
• Customer Service 1-888-TITAN-UP (1-888-848-2687)
  • 8:00am to 6:00pm EST (Monday to Friday)
  • 9:00am to 2:00pm EST (Saturdays)
• Claims 1-800-926-3168

Summary

For any "high risk driver," Titan Auto Insurance is definitely worth looking into. It is a private auto insurance provider that is not only highly-rated, but also offers competitive rates and policy benefits.