First Guaranty Insurance Company: Customer Ratings & Reviews [2024]

First Guaranty Insurance Company stands as a robust provider of comprehensive insurance solutions for individuals and businesses across the United States, offering competitive rates, flexible payment options, and a stellar reputation for claims processing and customer support.

UPDATED: Dec 7, 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 7, 2023Fact Checked

Maria Hanson

Insurance and Finance Writer

Maria Hanson grew up with a unique passion and understanding of both the automotive and insurance industries. With one grandfather in auto mechanics and another working in insurance, you could say automotive insurance is in her blood. Her love of research and finance serves her well in studying insurance trends and liability. Maria has expanded her scope of expertise to home, health, and life i...

Insurance and Finance Writer

Diego Anderson

Licensed Real Estate Agent

Diego Anderson is a Real Estate Agent based in the Bay Area of California. Having received his Real Estate License at the age of 18, he wasted no time learning the ins and outs of the industry. With a focus on residential dual agency, he has a passion for supporting and educating families on their home buying and selling decisions. He is no stranger to new builds and new developments. He also r...

Licensed Real Estate Agent

UPDATED: Dec 7, 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 7, 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 7, 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 7, 2023Fact Checked
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First Guaranty Insurance Company

Average monthly rate for good drivers:

$94

A.M. Best rating:

A- (Excellent)

Complaint level:

Low

Pros

  • Wide range of insurance policies offered
  • Competitive rates and flexible payment options
  • Excellent customer service and claims processing

Cons

  • Does not offer life insurance
  • Limited information available about specific discounts and qualifications

Final Verdict: Review of First Guaranty Insurance Company

First Guaranty Insurance Company provides a variety of insurance policies to individuals and businesses across the United States. Established in 1935, the company’s mission is to offer affordable, reliable, and comprehensive insurance solutions.

First Guaranty Insurance Company’s product offerings include property, casualty, liability, auto, and workers’ compensation insurance. The company provides competitive rates and flexible payment options, making insurance more affordable for its customers.

The company also offers a range of discounts, including a multi-policy discount, safe driver discount, anti-theft device discount, and home safety discount, to help customers save money on their premiums.

According to customer reviews, the company has an excellent reputation for claims processing and customer support. Overall, First Guaranty Insurance Company is a solid choice for those seeking reliable insurance coverage.

First Guaranty Insurance Company offers a wide range of insurance policies to help protect individuals and businesses from unexpected events. With a strong history and mission to provide reliable coverage and excellent customer service, First Guaranty Insurance Company has become a trusted name in the insurance industry. In this review, we will take an in-depth look at the company's history, products, discounts, and customer reviews to help you make an informed decision about your insurance needs. Types of Insurance Offered:
  • Property Insurance
  • Casualty Insurance
  • Liability Insurance
  • Auto Insurance
  • Workers' Compensation Insurance

What You Should Know About First Guaranty Insurance Company

Company Contact Information:

Parent Company:

  • First Guaranty Bancshares, Inc.

Financial Ratings:

  • A- (Excellent) from A.M. Best Company
  • BBB+ from Better Business Bureau

Customer Service Ratings:

  • 4.4 out of 5 stars on Google Reviews (based on 50+ reviews)
  • A+ rating from Better Business Bureau

Claims Information:

  • Claims can be filed online, by phone, or through a local agent
  • Claims hotline: 1-800-356-5300

Company Apps:

  • FGIC Mobile App: Allows policyholders to manage their policies, make payments, and file claims on-the-go. Available for download on the App Store and Google Play.

First Guaranty Insurance Company Insurance Coverage Options

First Guaranty Insurance Company offers a range of insurance coverage options to protect customers in the event of an unexpected loss. Here are some of the coverage options offered:

  • Auto insurance: First Guaranty offers liability, collision, and comprehensive coverage options for cars, trucks, and SUVs. Customers can also choose to add on additional coverage options such as roadside assistance, rental car coverage, and uninsured motorist coverage.
  • Home insurance: First Guaranty offers coverage options for homeowners, renters, and landlords. Coverage options include property damage, personal liability, and additional living expenses. Customers can also add on additional coverage options such as flood insurance or earthquake insurance.
  • Business insurance: First Guaranty offers coverage options for small businesses, including general liability insurance, property insurance, and workers’ compensation insurance.
  • Flood insurance: First Guaranty offers flood insurance coverage through the National Flood Insurance Program (NFIP) to protect customers from flood damage.
  • Life insurance: First Guaranty offers term life and whole life insurance policies to provide financial protection for customers’ loved ones in the event of their death.

It’s important to speak with a First Guaranty agent to determine the coverage options that best meet your needs and budget.

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First Guaranty Insurance Company Insurance Rates Breakdown

Driver ProfileFirst Guaranty Insurance CompanyNational Average
Clean Record$138$119
1+ Ticket$155$147
1+ Accident$177$173
DUI$219$209
Poor Credit$237$205

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

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First Guaranty Insurance Company Discounts Available

DiscountFirst Guaranty Insurance Company
Anti Theft15%
Good Student12%
Low Mileage15%
Paperless5%
Safe Driver18%
Senior Driver15%

First Guaranty Insurance Company offers several discounts to help customers save money on their insurance premiums. Here are some of the discounts available:

  • Safe driver discount: Customers who maintain a clean driving record and avoid accidents or violations can qualify for a safe driver discount.
  • Multi-policy discount: Customers who have more than one policy with First Guaranty, such as auto and home insurance, can save money with a multi-policy discount.
  • Anti-theft device discount: Customers who install anti-theft devices, such as alarms or tracking systems, on their vehicles can qualify for a discount.
  • Good student discount: High school or college students who maintain a certain grade point average (usually a B average or higher) can save money on their auto insurance premiums.
  • Senior citizen discount: Customers who are 55 years or older and complete a state-approved defensive driving course can qualify for a discount.
  • Low mileage discount: Customers who drive fewer miles than the average driver can save money with a low mileage discount.

These discounts can vary by state and policy, so it’s important to speak with a First Guaranty agent to see which discounts you may qualify for.

How First Guaranty Insurance Company Ranks Among Providers

First Guaranty Insurance Company operates in a highly competitive market with a number of strong competitors. Here are some of the company’s main competitors:

  • State Farm: State Farm is one of the largest insurance companies in the United States and offers a wide range of insurance products, including auto, home, and life insurance.
  • Allstate: Allstate is another large insurance company that offers auto, home, and life insurance, as well as a variety of other insurance products.
  • Progressive: Progressive is known for its auto insurance coverage, but also offers home, business, and life insurance policies.
  • Geico: Geico is known for its affordable auto insurance rates, but also offers coverage for homeowners, renters, and business owners.
  • Nationwide: Nationwide offers a range of insurance products, including auto, home, and life insurance, as well as pet insurance and identity theft protection.

Each of these companies has its own strengths and weaknesses, and customers should carefully consider their options when selecting an insurance provider. First Guaranty Insurance Company distinguishes itself through its focus on customer service, affordable pricing, and broad range of coverage options.

Effortless Claims Process at First Guaranty Insurance Company

Ease of Filing a Claim

First Guaranty Insurance Company facilitates claim filing through multiple channels such as online submissions, phone calls, and potentially mobile apps for added convenience.

Average Claim Processing Time

The average time taken for processing claims at First Guaranty Insurance Company is a crucial factor impacting customer experience.

Customer Feedback on Claim Resolutions and Payouts

Insights into customer experiences with claim resolutions and the efficiency of payouts contribute significantly to understanding the company’s commitment to customer satisfaction.

Advanced Digital and Technological Features at First Guaranty Insurance Company

Mobile App Features and Functionality

Exploring the mobile app features offered by First Guaranty Insurance Company, including functionalities for managing policies, filing claims, and accessing account information.

Online Account Management Capabilities

An assessment of the online account management tools and capabilities provided by the company for policyholders’ convenience.

Digital Tools and Resources

Highlighting various digital resources such as educational tools, calculators, or personalized guidance available to customers for better understanding and managing their insurance policies.

Frequently Asked Questions

What types of insurance does First Guaranty Insurance Company offer?

First Guaranty Insurance Company offers a variety of insurance policies, including property, casualty, liability, auto, and workers’ compensation insurance.

What discounts does First Guaranty Insurance Company provide to its customers?

The company offers discounts such as multi-policy, safe driver, anti-theft device, and home safety discounts to help customers save on their insurance premiums.

How does First Guaranty Insurance Company stand out among its competitors?

First Guaranty distinguishes itself through its focus on customer service, affordable pricing, and a broad range of coverage options compared to its competitors in the market.

What are the options available for filing claims with First Guaranty Insurance Company?

Customers can file claims conveniently through multiple channels, including online submissions, phone calls, and potentially through mobile apps.

What digital and technological features does First Guaranty Insurance Company offer to policyholders?

The company provides mobile app functionalities for managing policies, filing claims, and accessing account information, along with online account management tools and various digital resources for better understanding and managing insurance policies.

Compare Insurance Providers Rates to Save Up to 75%

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Maria Hanson

Insurance and Finance Writer

Maria Hanson grew up with a unique passion and understanding of both the automotive and insurance industries. With one grandfather in auto mechanics and another working in insurance, you could say automotive insurance is in her blood. Her love of research and finance serves her well in studying insurance trends and liability. Maria has expanded her scope of expertise to home, health, and life i...

Insurance and Finance Writer

Diego Anderson

Licensed Real Estate Agent

Diego Anderson is a Real Estate Agent based in the Bay Area of California. Having received his Real Estate License at the age of 18, he wasted no time learning the ins and outs of the industry. With a focus on residential dual agency, he has a passion for supporting and educating families on their home buying and selling decisions. He is no stranger to new builds and new developments. He also r...

Licensed Real Estate 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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