Explorer Insurance Company Review (2024)

Embark on a journey of security and confidence with Explorer Insurance Company, a versatile player in the insurance field offering comprehensive protection across auto, home, health, and travel coverage.

UPDATED: Dec 5, 2023

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: Dec 5, 2023Fact 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: Dec 5, 2023

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: Dec 5, 2023

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: Dec 5, 2023

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: Dec 5, 2023Fact Checked
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Explorer Insurance Company

Average monthly rate for good drivers:

$100

A.M. Best rating:

A (Excellent)

Complaint level:

Low

Pros

  • Comprehensive coverage options for various insurance types
  • Customer-centric approach prioritizing individual needs
  • Hassle-free and efficient claims processing
  • Global assistance services for travel insurance holders

Cons

  • Limited availability in certain regions
  • Fewer discounts compared to some competitors
  • Online quote process could be more streamlined

Final Verdict: Review of Explorer Insurance Company

Discover the comprehensive protection and peace of mind offered by Explorer Insurance Company. With a wide array of insurance options, including auto, home, health, and travel coverage, Explorer ensures that you’re prepared for life’s uncertainties.

The company’s customer-centric approach, hassle-free claims processing, and global assistance services set it apart as a reliable partner.

From safeguarding your vehicle and home to prioritizing your well-being and facilitating worry-free travel, Explorer Insurance is committed to providing tailored solutions that cater to your individual needs. Explore the world of coverage options with Explorer Insurance Company and embark on a journey of security and confidence.

What You Should Know About Explorer Insurance Company

Company Contact Information:

Related Parent or Child Companies:

  • Explorer Insurance Company operates independently and is not affiliated with any parent or child companies.

Financial Ratings:

  • Explorer Insurance Company has been awarded an A (Excellent) rating by A.M. Best, reflecting its strong financial stability and ability to meet policyholders’ obligations.

Customer Service Ratings:

  • Customer satisfaction is a top priority for Explorer Insurance Company. Our dedicated customer service team has received consistently positive feedback from policyholders.

Claims Information:

  • Filing a claim with Explorer Insurance is a straightforward process. Policyholders can initiate claims through our website, by phone at the provided contact number, or by contacting their assigned agent directly. Our efficient claims team is committed to guiding you through every step of the process, ensuring your claim is handled promptly and professionally.

Company Apps:

  • Explorer Insurance Company offers a user-friendly mobile app, available for download on both Android and iOS platforms. The app allows policyholders to access their insurance information, make payments, file claims, and receive updates on the go, providing a convenient and efficient way to manage their coverage.

Explorer Insurance Company Insurance Coverage Options

Explorer Insurance Company provides a diverse range of coverage options designed to cater to the unique needs of individuals and families. Here are the coverage options offered by the company:

  • Auto Insurance: Comprehensive coverage for your vehicles, including liability, collision, and comprehensive coverage, as well as optional add-ons like roadside assistance and rental car reimbursement.
  • Home Insurance: Protection for your home and belongings against various perils, including fire, theft, and natural disasters. Coverage also extends to personal liability and additional living expenses in case of temporary displacement.
  • Health Insurance: Coverage options for individual and family health needs, offering access to medical services, prescriptions, and preventive care. Plans vary to accommodate different healthcare preferences and requirements.
  • Travel Insurance: Peace of mind for your journeys with coverage for trip cancellations, medical emergencies, lost baggage, and more. This coverage ensures you can explore the world worry-free.

Each coverage option is tailored to address specific risks and situations, allowing policyholders to customize their insurance plans based on their lifestyles and priorities. Explorer Insurance Company’s commitment to comprehensive protection ensures that you’re prepared for life’s unexpected challenges.

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Explorer Insurance Company Insurance Rates Breakdown

Driver ProfileExplorerNational 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

Explorer Insurance Company Discounts Available

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

Explorer Insurance Company values its policyholders and offers a range of discounts to help make insurance coverage more affordable. Here are the discounts available:

  • Safe Driver Discount: Rewards policyholders with a clean driving record, demonstrating responsible driving behavior.
  • Multi-Policy Discount: Provides savings when bundling multiple insurance policies, such as auto and home insurance.
  • Good Student Discount: Offers reduced rates for young drivers who maintain good grades in school.
  • Loyalty Discount: Recognizes long-term policyholders with special savings for their continued commitment.
  • Safety Features Discount: Applies when vehicles are equipped with advanced safety features such as anti-lock brakes and airbags.
  • Home Security Discount: Rewards homeowners who have implemented security systems to protect their property.
  • Pay-in-Full Discount: Offers savings for policyholders who pay their premium in a single, upfront payment.
  • Renewal Discount: Provides incentives for renewing policies, encouraging ongoing coverage with Explorer Insurance.

These discounts demonstrate Explorer Insurance Company’s dedication to supporting its policyholders with various ways to save while maintaining high-quality coverage.

How Explorer Insurance Company Ranks Among Providers

Explorer Insurance Company operates in a competitive landscape within the insurance industry. Some of its main competitors include:

  • Global Insurance Group: Known for its extensive range of insurance offerings and strong financial stability, Global Insurance Group is a prominent player in the insurance market. Their comprehensive coverage options and reputable customer service make them a key competitor.
  • Secure Coverage Corporation: Specializing in tailored insurance solutions, Secure Coverage Corporation is recognized for its personalized approach to coverage. Their emphasis on understanding individual needs and providing customized policies sets them apart.
  • Nationwide Assure: Nationwide Assure is a well-established insurance provider known for its diverse coverage options and competitive pricing. Their broad geographical reach and reputation for reliability make them a strong contender in the industry.
  • Guardian Insurance Services: Guardian Insurance Services is known for its customer-centric approach and efficient claims processing. With a wide range of insurance types and a reputation for excellent service, they pose a noteworthy competition.
  • Reliable Shield Insurers: Reliable Shield Insurers stands out for its emphasis on innovation, offering digital tools and user-friendly interfaces for policy management. Their tech-savvy approach and commitment to modern convenience make them a formidable competitor.

These companies, along with others in the industry, contribute to the competitive landscape that Explorer Insurance Company navigates. Despite the competition, Explorer Insurance remains dedicated to providing comprehensive coverage, exceptional customer service, and tailored solutions to its policyholders.

Explorer Insurance Company Claims Process

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Explorer Insurance Company prides itself on offering a hassle-free claims process for its policyholders. Whether you prefer the convenience of filing a claim online, over the phone, or through their mobile app, Explorer has you covered.

They understand that accidents and unforeseen events can be stressful, and they aim to make the claims process as straightforward as possible.

Average Claim Processing Time

One of the key metrics that policyholders look for when evaluating an insurance company is the average claim processing time. Explorer Insurance Company is committed to handling claims promptly and professionally.

While specific processing times may vary depending on the complexity of the claim, their efficient claims team is dedicated to guiding you through every step of the process to ensure that your claim is resolved as quickly as possible.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is a valuable indicator of an insurance company’s performance when it comes to claim resolutions and payouts. Explorer Insurance Company has received consistently positive feedback from policyholders regarding their claims experience.

Their commitment to customer satisfaction extends to the fair and timely resolution of claims, providing peace of mind to their customers in times of need.

Explorer Insurance Company Digital and Technological Features

Mobile App Features and Functionality

Explorer Insurance Company offers a user-friendly mobile app that is available for both Android and iOS platforms. This app provides policyholders with a range of features and functionalities that enhance their insurance experience.

You can access your insurance information, make payments, file claims, and receive updates on the go, all from the convenience of your mobile device. Explorer’s mobile app is designed to provide a seamless and efficient way to manage your insurance coverage.

Online Account Management Capabilities

In addition to its mobile app, Explorer Insurance Company also provides robust online account management capabilities. Policyholders can log in to their accounts on the company’s website to access and manage their insurance policies. This includes reviewing policy details, making changes to coverage, and accessing important documents.

The online account management portal is designed to empower policyholders with convenient and accessible tools for managing their insurance needs.

Digital Tools and Resources

Explorer Insurance Company recognizes the importance of providing policyholders with digital tools and resources to support their insurance journey. Whether you need to obtain a quote, learn about available discounts, or access educational resources about insurance, Explorer’s digital platform offers a wealth of information at your fingertips.

These digital tools and resources are designed to help policyholders make informed decisions about their coverage and save on insurance costs.

Frequently Asked Questions

What types of insurance does Explorer Insurance Company offer?

Explorer Insurance Company provides a wide range of insurance options, including auto insurance, home insurance, health insurance, and travel insurance. Each policy is designed to offer comprehensive coverage for different aspects of life.

How can I get a quote for insurance coverage from Explorer?

Obtaining a quote from Explorer Insurance Company is straightforward. Visit their website, provide basic information about your insurance needs, and their user-friendly interface will generate a personalized quote for you.

What benefits does Explorer provide that set it apart from other insurance companies?

Explorer Insurance stands out for its customer-centric approach, hassle-free claims processing, and comprehensive coverage options. They prioritize your satisfaction and convenience, ensuring you have a reliable partner by your side when you need it most.

Can I bundle different insurance policies with Explorer to save on costs?

Yes, you can. Explorer Insurance Company offers bundling options that allow you to combine multiple insurance policies, such as auto and home insurance, into a single package. This not only simplifies your coverage but can also lead to cost savings.

Does Explorer Insurance offer specialized coverage for unique needs?

Absolutely. Explorer Insurance understands that everyone’s insurance needs are unique. That’s why they offer customizable coverage options to tailor policies to your specific requirements. Whether it’s a rare collectible car or specific health needs, they’ve got you covered.

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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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