Excelsior Insurance Company Review (2024)

Explore the future confidently with Excelsior Insurance Company, a trusted name with three decades of history, an A+ rating, and a commitment to personalized policies, efficient claims processing, and user-friendly online services.

UPDATED: Jun 14, 2024Fact Checked

Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

UPDATED: Jun 14, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Jun 14, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Jun 14, 2024Fact Checked
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Excelsior Insurance Company

Average monthly rate for good drivers:

$100

A.M. Best rating:

A+

Complaint level:

Low

Pros

  • Comprehensive range of insurance types
  • Customized policies tailored to individual needs
  • Efficient and transparent claims processing
  • User-friendly online portal for easy policy management
  • Established reputation and A.M. Best rating

Cons

  • Rates might be slightly higher than some competitors due to extensive coverage options
  • Limited availability in certain regions
  • Online portal might require some initial familiarization for new users

Discover the comprehensive protection offered by Excelsior Insurance Company, a trusted name in the insurance industry. From auto and homeowners insurance to health and business coverage, Excelsior caters to a variety of needs.

With a commitment to personalized solutions, their policies are tailored to individual requirements, ensuring you’re not paying for coverage you don’t need.

With a history spanning over three decades and an A+ rating from A.M. Best, Excelsior’s reputation is built on efficient claims processing, user-friendly online services, and a dedication to customer satisfaction. Embrace the future with confidence, knowing that Excelsior Insurance Company has you covered.

Excelsior Insurance Company Insurance Coverage Options

Excelsior Insurance Company takes pride in offering a diverse range of coverage options to cater to various insurance needs. With a commitment to personalized protection, we provide the following insurance solutions:

  • Auto Insurance: Safeguard your vehicle against accidents, collisions, and unexpected events on the road. Our auto insurance policies offer liability coverage, collision coverage, comprehensive coverage, and more.
  • Homeowners Insurance: Protect your home and belongings from potential risks such as fires, storms, and theft. Our homeowners insurance includes property coverage, liability coverage, and additional living expense coverage.
  • Health Insurance: Prioritize your health and well-being with our health insurance plans. We offer coverage for medical expenses, hospital stays, prescription medications, and preventive care to ensure you have access to the healthcare you need.
  • Business Insurance: As a business owner, secure your enterprise against unforeseen challenges. Our business insurance policies cover property damage, liability claims, workers’ compensation, and business interruption.

Each of these coverage options is designed to be flexible and customizable, ensuring that you receive the protection that aligns with your unique circumstances. Our commitment to excellence extends to helping you find the right coverage to suit your needs and budget.

 

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Excelsior Insurance Company Insurance Rates Breakdown

Driver ProfileExcelsiorNational Average
Clean Record$121$119
1+ Ticket$148$147
1+ Accident$172$173
DUI$210$209
Poor Credit$208$205

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

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Excelsior Insurance Company Discounts Available

DiscountExcelsior
Anti Theft6%
Good Student12%
Low Mileage9%
Paperless5%
Safe Driver18%
Senior Driver7%

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At Excelsior Insurance Company, we understand the importance of affordability without compromising on quality coverage. That’s why we offer a range of discounts to help you save on your insurance premiums. Here are some of the discounts you can take advantage of:

  • Multi-Policy Discount: Save when you bundle multiple insurance policies, such as auto and homeowners insurance, with us.
  • Safe Driver Discount: Enjoy reduced rates if you have a clean driving record without any accidents or violations.
  • Good Student Discount: Students with excellent academic performance can benefit from this discount on auto insurance.
  • Home Safety Features Discount: If your home is equipped with safety features such as smoke detectors, alarm systems, and security devices, you could qualify for this discount on homeowners insurance.
  • Multi-Car Discount: Insure multiple vehicles with us and receive a discount on each policy.
  • Loyalty Discount: We value your loyalty. Long-term customers may be eligible for special discounts as a token of appreciation.
  • Safe Business Practices Discount: Business owners who prioritize safety in their operations can benefit from this discount on business insurance.
  • Pay-in-Full Discount: Pay your premium in full upfront and enjoy a reduced rate on your insurance policy.
  • Paperless Billing Discount: Opt for paperless billing and receive a discount as a reward for choosing eco-friendly options.

These discounts are just a few examples of how we strive to make insurance more accessible and cost-effective for our valued policyholders. Contact our team to learn more about the discounts available for your specific insurance needs.

How Excelsior Insurance Company Ranks Among Providers

Excelsior Insurance Company stands out as a trusted provider of comprehensive coverage solutions. However, there are several notable competitors that also offer a range of insurance products and services. Let’s take a look at some of the main competitors that Excelsior Insurance Company encounters:

  • Globalsure Insurance Group: Known for its wide array of insurance offerings, GlobalSure Insurance Group competes strongly in the market. They emphasize customer customization and boast a diverse range of policy options similar to Excelsior.
  • Secureshield Insurance: With a reputation for attentive customer service and customizable policies, SecureShield Insurance is a formidable competitor. Their focus on personalized protection and innovative coverage options can appeal to similar clientele as Excelsior.
  • Trustgard Insurance: TrustGard Insurance is known for its user-friendly online tools and efficient claims processing, similar to Excelsior’s emphasis on online services and transparent claims handling.
  • Reliance Coverage Solutions: Reliance is a strong competitor in the industry, particularly known for its competitive rates and extensive network of agents. Their affordability and broad policy offerings draw a parallel to Excelsior’s commitment to comprehensive coverage.
  • Safetynet Assurance Company: SafetyNet Assurance Company competes with its emphasis on quick and hassle-free claims processing, much like Excelsior’s efficient claims resolution process.
  • Guardianshield Insurance: GuardianShield Insurance offers a range of coverage options coupled with a history of strong customer satisfaction. This aligns with Excelsior’s approach of personalized policies and dedication to client needs.

Read more: Trustgard Insurance Company: Customer Ratings & Reviews

While Excelsior Insurance Company holds its own in terms of diverse coverage, transparency, and customer-centric approach, these competitors also bring their unique strengths to the table. As a savvy consumer, it’s essential to explore options from various insurers to ensure you find the best fit for your specific insurance needs.

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Excelsior Insurance Company Claims Process

Ease of Filing a Claim

Excelsior Insurance Company understands the importance of a seamless claims process. They offer multiple convenient methods for filing a claim, including online submissions, phone assistance, and mobile app functionality. This commitment to accessibility ensures that policyholders can initiate the claims process using the method that best suits their needs.

Average Claim Processing Time

Efficiency is key when it comes to processing insurance claims, and Excelsior Insurance Company excels in this aspect. They prioritize minimizing claim processing times, recognizing that policyholders rely on swift assistance during challenging situations. This dedication to efficiency helps ensure a smooth and timely experience for claimants.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback plays a vital role in improving the claims process. Excelsior Insurance Company actively seeks input from policyholders to gauge their satisfaction with claim resolutions and payouts. Positive customer feedback underscores Excelsior’s commitment to transparent and fair claim resolutions, reinforcing their dedication to customer well-being.

Excelsior Insurance Company’s Digital and Technological Features

Mobile App Features and Functionality

Excelsior Insurance Company offers a feature-rich mobile app that enhances the insurance experience for policyholders. The app provides a user-friendly interface, allowing users to efficiently manage their policies, submit claims, and access important resources while on the go. It serves as a valuable tool, offering convenient access to insurance-related tasks and information.

Online Account Management Capabilities

Excelsior Insurance Company empowers policyholders with 24/7 online account management capabilities. Through their online portal, customers can make premium payments, update personal information, and track claims in real-time. The company’s online platform prioritizes accessibility and simplicity, ensuring a seamless insurance management experience.

Digital Tools and Resources

In addition to comprehensive coverage, Excelsior Insurance Company offers a suite of digital tools and resources designed to assist policyholders in making informed decisions.

These resources include educational materials and interactive tools, equipping policyholders with the knowledge and resources necessary to confidently navigate the complexities of insurance. Excelsior’s commitment to providing valuable digital resources sets it apart in the insurance landscape.

Frequently Asked Questions

What types of insurance does Excelsior Insurance Company offer?

Excelsior offers a wide range of insurance coverage, including auto insurance, homeowners insurance, health insurance, and business insurance.

How can I customize my insurance policy with Excelsior?

Excelsior provides personalized policies that can be tailored to your specific needs, ensuring you receive the coverage that aligns with your unique circumstances.

What benefits does Excelsior offer for auto insurance policies?

Excelsior’s auto insurance policies offer various benefits, including liability coverage, collision coverage, comprehensive coverage, and efficient claims processing to support you in times of need.

How does Excelsior handle claims processing?

Excelsior prioritizes transparent and efficient claims processing. When you report an incident, their team guides you through the assessment process and ensures a prompt and fair resolution.

How does Excelsior compare to other insurers?

Excelsior stands out with its commitment to personalized protection, efficient claims processing, user-friendly online services, and a history spanning over three decades. Compare their offerings and reputation with other insurers to make an informed decision.

Can I bundle my insurance policies with Excelsior?

Yes, Excelsior offers a multi-policy discount, allowing you to bundle multiple insurance policies, such as auto and homeowners insurance, for added savings.

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Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Free Insurance Providers Comparison

Compare Insurance Providers Rates to Save Up to 75%

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