Shopping for auto insurance is never fun.
It can be time-consuming, and we completely understand.
To speed up the process, we have provided a quick overview of Acuity Auto Insurance Company directly below.
Acuity Insurance Company is an auto and home insurance provider based in Sheboygan, Wisconsin, and provides coverage in 27 states.
Acuity is backed by strong financial strength ratings and offers midline coverage at midline pricing.
Acuity doesn’t have a strong platform or online presence and makes purchasing coverage or comparing quotes for consumers relatively tricky.
Acuity also isn’t known to have the most knowledgeable agents that can help provide the consumers with the competitive advantages you can enjoy by choosing to purchase coverage with the company.
Overall, if you are shopping for car insurance and collecting quotes from several companies, Acuity can be included.
However, the chances are likely that you can find more competitive rates, a better online experience, and more agent expertise choosing to work another major auto insurance provider in your area.
That’s the quick and easy summary of Acuity Auto Insurance.
Below, you will find our full review of the company that will dive into each of these topics in a bit more depth.
Additionally, to save time, we have placed easy to navigate links directly below to allow you to skip to any specific section of this review that you desire to learn more about.
Here’s what we will intend on covering:
- Our Acuity Auto Insurance Review
- Acuity Insurance History
- Financial Strength Ratings and Consumer Complaints
- Auto Insurance Coverages Offered
- Cost of Acuity Auto Insurance
- Discounts Available
- Rideshare Coverage Availability
- What Makes Acuity Insurance Unique?
- Who Should Consider Acuity Auto Coverage?
- Applying with Acuity Auto Insurance
- Pros of Choosing Acuity
- Cons of Choosing Acuity
- Final Thoughts
If, however, you have a few minutes to spare, and you want to take a deeper dive into the company, we recommend that you check out our full review below.
Here is what you need to know.
Our Acuity Auto Insurance Review
Currently, Acuity Insurance offers consumers options for car insurance coverage in 27 states across the country.
Currently, Acuity markets it’s auto insurance products through a group of more than 1,000 independent agents.
Independent agents mean that the agents you work with can offer you several different company options during your shopping phase.
The opposite of this would be a provider such as State Farm or Farmers Auto Insurance, we’re working with the agent would only present you with 1 option for coverage.
Although we believe State Farm and Farmers are great options for coverage, we typically recommend utilizing independent agents to find the best car insurance in your area.
Acuity Insurance History
Acuity Insurance began as the Mutual Auto Insurance Company.
This was back in 1925 in The Town of Herman.
28 years later, the company changed its name to the Mutual Auto of Wisconsin, and then another name change took place in 1957 when the company rebranded as the Heritage Mutual Insurance Company.
3 Years later, the company moved to Sheboygan in 1960.
It was not until 2001 that they finally changed their name to Acuity Insurance Company, which they have held ever since.
In 2004, Acuity opened a new 39-million-dollar headquarters and continued to be one of the popular options consumers can choose while shopping for the best car insurance.
Financial Strength Ratings and Consumer Complaints
Financial strength numbers are always essential to consider before ultimately making your decision for your new provider.
Acuity currently gives consumers nothing to complain about in this department.
As of 2019, Acuity is being provider an A+ rating from both Standard and Poor’s and A.M Best, who are two major credit rating agencies who analyze insurance companies.
These ratings are considered excellent, and only 1 rating below the highest rating that can be provided.
Auto Insurance Coverages Offered
The coverages offered by auto insurance providers often look very similar.
Typically, where you see an insurance provider separate themselves is with extra coverages or perks.
Especially if those perks come automatically built into the coverage at no additional price.
Acuity currently offers your baseline and standard coverage options that include the following options:
In addition to these coverages, you also can look at other add on coverages that include the following options:
- Replacement Vehicle Coverage
- Bonus Medical Coverage
- Accidental Death Coverage
- Full Safety Glass
- Personal Auto Enhancements
Cost of Acuity Auto Insurance
Cost is always the topic every consumer wants and to know about an insurance provider right out of the gates.
When it comes to the cost of auto insurance with any provider, it’s always going to be difficult to give accurate estimates because all drivers vary based on vehicle, credit score, and driving history.
However, what we can tell you is that Acuity compared to other providers is relatively competitive.
For the average driver with a safe driving record, Acuity can be considered an option to run a quote with.
However, in the grand scheme of other providers and options, it’s likely you can find a better price working with other major brands and companies such as Allstate, Geico, or even State Farm Insurance Company.
Like you find with nearly any auto insurance provider, Acuity does currently offer discounts to policyholders.
However, after reviewing their website, we found it challenging to locate all the specifics about the potential savings you could enjoy with the company.
Your best bet is to ensure that you check with an agent when purchasing coverage and inquire about all the potential discounts that could be applied to your policy.
Rideshare Coverage Availability
Rideshare coverage is not something advertised on Acuity’s website as a coverage they currently offer.
Uber and Lyft drivers are often faced with the common problem of being underinsured.
If you are currently in this situation, be sure to inquire about the coverages offered for rideshare drivers and be sure to compare rates with multiple car insurance providers before ultimately choosing your next coverage provider.
What Makes Acuity Insurance Unique?
Acuity Insurance Company is not necessarily unique in many ways based on what they offer to consumers.
Acuity is a low-profile and relatively quiet company in the industry for offering coverage in more than 27states and having the financial and background that they currently have.
Overall, compared to other coverage options you can choose from, you may find different auto insurance companies offer more unique advantages that you can take advantage of by shopping around.
Who Should Consider Acuity Auto Coverage?
Acuity is backed by A+ financial strength ratings.
In addition, Acuity has a wide coverage area offering coverage in more than 27 states.
Anyone who needs more options to compare rates with or who takes financial strength seriously could consider Acuity for coverage.
However, some of the other best auto insurance companies offer excellent coverage and boast the same financial strength ratings.
Applying with Acuity Auto
Acuity has a quiet and somewhat disappointing online platform for consumers.
You have no ability to run an anonymous quote and can’t do a whole lot of coverage customization online.
Basically, without using an agent, you don’t have the ability to do much at all.
To apply with the company, you must work directly with an Acuity Agent over the phone if you are in a state where coverage is currently offered.
Furthermore, based on other reviews of the company, it’s well-known that the agents working for Acuity are not all that knowledgeable and can’t help explain the pros and cons of choosing the company verse working with another auto insurance provider.
Overall, the experience of purchasing coverage with the company is sub-par and needs improvement if they want to compete with some of the other major companies in the marketplace.
Pros of Choosing Acuity
After combing through all the aspects of the company, here’s what we believed to be the most significant advantages or choosing Acuity for coverage.
- Wide Coverage Area (22 States)
- Strong Financial Strength Ratings
- Relatively Vast Amount of Coverage Options
Cons of Choosing Acuity
On the other hand, we did note some significant disadvantages.
- Sub-Par Agent Knowledge and Expertise
- Low Brand Recognition
- More Competitive Pricing is Available
For a company founded in 1925 with strong financial ratings, Acuity has a few areas to improve on to reach new heights.
Nonetheless, Acuity is still a company that can certainly be worth your time to run a quote with.
Just ensure that you are comparing rates with several auto insurance providers near you before ultimately drawing any conclusions.
We wish you luck in your search.