Prescient National Insurance Company Review (2024)

Prescient National Insurance Company leads the industry with its diverse insurance offerings, encompassing auto, home, health, and life insurance, and stands out for its commitment to customer satisfaction, competitive rates, and a range of discounts.

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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Prescient National Insurance Company

Average monthly rate for good drivers:

N/A

A.M. Best rating:

A++ (Superior)

Complaint level:

Low

Pros

  • Competitive Rates
  • Outstanding Customer Service
  • Tailored Coverage Options
  • Financial Security

Cons

  • Notable policies may be slightly higher in premium.
  • Limited regional availability (please check availability in your area).

In this comprehensive article, we explore the offerings and strengths of Prescient National Insurance Company, a trusted name in the insurance industry. Prescient stands out with a diverse range of insurance policies, including auto, home, health, and life insurance, each tailored to provide peace of mind and financial security to its customers.

With a strong commitment to competitive rates, exceptional customer service, and an array of discounts, Prescient makes insurance accessible and affordable. The company’s dedication to safe driving is reflected in its numerous discounts, such as safe driver rewards and multi-policy bundles.

Moreover, their comprehensive coverage options and hassle-free claims process ensure that policyholders receive the protection they need when it matters most. With an emphasis on customer satisfaction and personalized service, Prescient National Insurance Company distinguishes itself as a reliable partner in safeguarding your future.

Prescient National Insurance Company Insurance Coverage Options

Prescient National Insurance Company offers a variety of coverage options to meet the diverse needs of its customers. These coverage options encompass different aspects of insurance protection, ensuring that policyholders have the flexibility to tailor their policies to their specific requirements. Here is a list of coverage options typically offered by the company:

Auto Insurance Coverage

  • Liability Coverage: Provides protection in case you’re responsible for injuring someone else or damaging their property in an accident.
  • Collision Coverage: Covers the cost of repairs to your vehicle in the event of an accident, regardless of fault.
  • Comprehensive Coverage: Protects your vehicle from non-collision-related damage, such as theft, vandalism, or natural disasters.
  • Uninsured/Underinsured Motorist Coverage: Offers financial protection if you’re in an accident with a driver who lacks sufficient insurance coverage.
  • Personal Injury Protection (PIP): Covers medical expenses, lost wages, and other accident-related costs, regardless of fault.

Home Insurance Coverage

  • Dwelling Coverage: Protects your home’s structure against damage from covered perils like fire, storms, and vandalism.
  • Personal Property Coverage: Covers your belongings, such as furniture, electronics, and clothing, in case of theft or damage.
  • Liability Coverage: Provides financial protection if someone is injured on your property, and you’re found liable.
  • Additional Living Expenses (ALE): Covers the cost of temporary housing and living expenses if your home becomes uninhabitable due to a covered event.
  • Other Structures Coverage: Protects structures on your property, such as detached garages or sheds.

Health Insurance Coverage

  • Medical Coverage: Covers medical expenses, including doctor’s visits, hospital stays, and prescription medications.
  • Dental Coverage: Provides coverage for dental care and procedures.
  • Vision Coverage: Helps cover the cost of eye exams, glasses, and contact lenses.
  • Preventive Care: Includes coverage for routine check-ups and preventive services.
  • Prescription Drug Coverage: Covers the cost of prescription medications.

Life Insurance Coverage

  • Term Life Insurance: Provides coverage for a specified term, offering a death benefit to beneficiaries if the insured passes away during the term.
  • Whole Life Insurance: Offers lifelong coverage with a cash value component that grows over time.
  • Universal Life Insurance: Combines a death benefit with the ability to build cash value and adjust premiums and coverage amounts.

These coverage options can often be customized to suit your specific needs and budget. It’s essential to discuss your insurance requirements with a Prescient National Insurance Company representative or agent to determine the best combination of coverage options for your individual circumstances.

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Prescient National Insurance Company Insurance Rates Breakdown

Driver ProfilePrescient National Insurance CompanyNational Average
Clean Record$115$119
1+ Ticket$140$147
1+ Accident$165$173
DUI$200$209
Poor Credit$198$205

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

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Prescient National Insurance Company Discounts Available

DiscountPrescient National Insurance Company
Anti Theft13%
Good Student10%
Low Mileage10%
Paperless5%
Safe Driver10%
Senior Driver5%

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Prescient National Insurance Company offers a range of discounts to help customers save on their insurance premiums. These discounts are designed to reward safe driving, responsible homeownership, and other factors that can lower the risk of claims. Here are some of the discounts typically offered by the company:

  • Safe Driver Discount: If you have a clean driving record with no accidents or traffic violations, you may qualify for a safe driver discount, which can significantly reduce your auto insurance premium.
  • Multi-Policy Discount: Prescient encourages customers to bundle multiple insurance policies, such as auto and home insurance, with them. Doing so often results in a discount on both policies.
  • Good Student Discount: If you’re a student with good grades, Prescient may offer a discount on your auto insurance. This is an incentive for young drivers to maintain their academic excellence.
  • Home Safety Features Discount: Homeowners who have installed safety features such as alarm systems, smoke detectors, or security cameras may qualify for a discount on their home insurance premiums.
  • Long-Term Policyholder Discount: Staying with Prescient for an extended period can lead to discounts on your insurance rates as a loyal customer.
  • Claims-Free Discount: If you have a history of not filing insurance claims, you may be eligible for a claims-free discount, which can further reduce your premiums.
  • Defensive Driving Course Discount: Completing a defensive driving course can demonstrate your commitment to safe driving and potentially earn you a discount on your auto insurance.
  • Pay-in-Full Discount: Paying your insurance premium in full, rather than in installments, can result in a discount on your overall policy cost.
  • Renewal Discount: Renewing your policy with Prescient at the end of your term may qualify you for a renewal discount as a token of appreciation for your continued business.
  • Good Credit Score Discount: Maintaining a good credit score can also lead to lower insurance rates, as it is often considered an indicator of responsible financial behavior.

It’s important to note that the availability of these discounts may vary depending on your location and the specific policy you’re interested in. Additionally, eligibility criteria and the amount of discount offered may differ from one insurer to another.

How Prescient National Insurance Company Ranks Among Providers

Prescient National Insurance Company operates in a highly competitive insurance industry where several prominent companies vie for market share. Here are some of the company’s main competitors:

  • State Farm: State Farm is one of the largest and most well-known insurance companies in the United States. They offer a wide range of insurance products, including auto, home, health, and life insurance. State Farm’s extensive network of agents and competitive rates make it a significant player in the market.
  • Geico: Known for their catchy advertising campaigns, Geico is another major player in the insurance industry. They are particularly competitive in the auto insurance sector, offering competitive rates and a straightforward online quoting process.
  • Allstate: Allstate is a comprehensive insurance company offering a variety of coverage options, including auto, home, renters, and more. They are known for their focus on customer service and innovative tools like Drivewise, which rewards safe driving.
  • Progressive: Progressive is recognized for its aggressive marketing and a wide array of auto insurance options. They are known for their usage-based insurance program, Snapshot, which tracks driving behavior and offers potential discounts.
  • Nationwide: Nationwide is a well-established insurance provider offering auto, home, and life insurance, among other products. They emphasize personalized customer service and offer various discounts for bundling policies.
  • Liberty Mutual: Liberty Mutual is known for its diverse insurance offerings and customized policies. They provide coverage for auto, home, renters, and more. Liberty Mutual also has an extensive network of agents to assist customers.
  • USAA: While primarily serving military members and their families, USAA competes in the insurance market by offering highly-rated customer service and a range of insurance products. Their offerings include auto, home, and life insurance.
  • Farmers Insurance: Farmers Insurance is a nationwide provider of auto, home, and specialty insurance products. They are known for their flexible coverage options and a strong network of agents.
  • Travelers: Travelers offers various insurance products, including auto, home, and business insurance. They are recognized for their comprehensive coverage options and expertise in serving commercial clients.

These competitors often differentiate themselves through their pricing, coverage options, customer service, and innovative technologies. Prescient National Insurance Company competes in this dynamic landscape by offering competitive rates, exceptional customer service, and tailored coverage options, as highlighted in the article.

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Claims Process at Prescient National Insurance Company

Ease of Filing a Claim

Prescient National Insurance Company offers policyholders a convenient and flexible claims process. Whether you prefer the ease of online claim submissions, the personal touch of phone assistance, or the convenience of mobile apps, Prescient National Insurance Company ensures that filing a claim is a straightforward experience tailored to your preferences.

Average Claim Processing Time

Efficiency is a priority in Prescient National Insurance Company’s claims processing. They are committed to minimizing any potential disruptions for policyholders by prioritizing quick claim resolution. Policyholders can expect their claims to be processed promptly, helping them get back on track with peace of mind.

Customer Feedback on Claim Resolutions and Payouts

Prescient National Insurance Company values customer feedback, especially concerning claim resolutions and payouts. Actively seeking and incorporating customer input, they continually improve their claims process. Positive customer testimonials underscore the company’s dedication to delivering fair and timely claim settlements.

Digital and Technological Features by Prescient National Insurance Company

Mobile App Features and Functionality

Prescient National Insurance Company provides a comprehensive mobile app designed to enhance the insurance management experience.

Compatible with both Android and iOS devices, this app empowers policyholders to file claims, access policy details, and perform various insurance-related tasks conveniently. The mobile app’s rich features and functionality offer policyholders accessibility and convenience at their fingertips.

Online Account Management Capabilities

Policyholders benefit from seamless access to their insurance accounts through Prescient National Insurance Company’s user-friendly online platform.

This platform enables policyholders to efficiently manage various aspects of their insurance policies, from premium payments to policy reviews, all from the comfort of their homes. Prescient National Insurance Company ensures that policyholders have convenient online access to their insurance information.

Digital Tools and Resources

Prescient National Insurance Company goes the extra mile by providing a suite of digital tools and resources. These resources offer policyholders valuable information and interactive tools to make informed decisions.

Whether it’s educational materials or financial planning tools, Prescient National Insurance Company strives to offer digital resources that support their customers’ insurance needs.

Frequently Asked Questions

How can I get a quote from Prescient National Insurance Company?

To obtain a quote from Prescient, you can visit their official website or contact one of their licensed agents. They’ll guide you through the process and provide a personalized quote based on your specific insurance needs.

What types of insurance does Prescient offer?

Prescient National Insurance Company offers a diverse range of insurance products, including Auto Insurance, Home Insurance, Health Insurance, and Life Insurance, catering to a wide spectrum of coverage needs.

Are there discounts available for policyholders?

Yes, Prescient offers various discounts to help policyholders save on their premiums. These discounts include safe driver rewards, multi-policy bundles, good student discounts, and more. To learn about the discounts applicable to your situation, contact Prescient directly or consult one of their agents.

What sets Prescient apart from other insurance providers?

Prescient distinguishes itself through its commitment to competitive rates, outstanding customer service, and a wide array of coverage options. Their efficient claims process and emphasis on customer satisfaction make them a trusted choice for insurance needs.

Can I bundle multiple insurance policies with Prescient for discounts?

Yes, Prescient encourages policyholders to bundle multiple insurance policies, such as auto and home insurance, with them. Doing so often results in a discount on both policies, providing a cost-effective way to protect your assets.

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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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