Southern Pilot Insurance Company Review (2024)

Southern Pilot Insurance Company, a trusted name in the insurance industry, offers a comprehensive array of coverage options tailored to diverse needs, from home and auto insurance to specialized policies for businesses, life, health, travel, and more.

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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Southern Pilot Insurance Company

Average monthly rate for business insurance:

$100

A.M. Best rating:

A+

Complaint level:

Low

Pros

  • Competitive Rates
  • Extensive Coverage Options
  • Excellent Customer Service
  • Quick and Efficient Claims Processing
  • Strong Financial Stability

Cons

  • Limited Regional Availability
  • Higher Rates for Younger Drivers
  • Limited Online Account Management Options
  • Limited Mobile App Features
  • No 24/7 Customer Support

Southern Pilot Insurance Company, a trusted name in the insurance industry, offers a comprehensive array of insurance coverage options to cater to diverse needs. From home and auto insurance to specialized policies for businesses, life, health, travel, and more, they prioritize tailored solutions and exceptional customer service.

With discounts available for bundling policies and incentives for safe driving and responsible homeownership, Southern Pilot ensures that their clients receive quality protection while saving on premiums.

This article explores their coverage options, and discounts, and highlights the competitive landscape within the insurance industry, where they contend with well-established rivals like State Farm, Allstate, and Progressive.

Whether you’re an individual, family, or business, Southern Pilot Insurance Company provides the peace of mind you need to safeguard your assets and future.

Southern Pilot Insurance Company Insurance Coverage Options

Southern Pilot Insurance Company understands that individuals and businesses have unique insurance needs. They offer a wide range of coverage options to cater to this diversity. Below, we’ve outlined the various types of insurance coverage you can expect from Southern Pilot, ensuring you can find the protection that best suits your requirements:

  • Home Insurance: Comprehensive coverage for homeowners and renters, safeguarding your property and belongings against disasters, theft, and liability.
  • Auto Insurance: From basic liability to comprehensive plans, protect your vehicles and finances in case of accidents or damage.
  • Business Insurance: Tailored solutions for businesses, including general liability, workers’ compensation, and property insurance, ensuring the continuity of your operations.
  • Life Insurance: Various policies, including term, whole, and universal life insurance, providing financial security for your loved ones in the event of your passing.
  • Health Insurance: Individual and family health insurance plans that grant access to a network of healthcare providers, ensuring quality medical care.
  • Travel Insurance: Coverage for trip cancellations, medical emergencies abroad, and other travel-related issues, allowing you to explore the world worry-free.
  • Farm Insurance: Specialized insurance for the agricultural industry, protecting farms, equipment, and livelihoods from unforeseen events.
  • Renters Insurance: Protect personal property and liability as a tenant, ensuring financial security in rental situations.
  • Boat Insurance: Coverage for boats of all sizes, providing peace of mind for boat owners and enthusiasts.
  • Umbrella Insurance: Additional coverage to enhance your existing insurance plans, protecting against unexpected liabilities.
  • Pet Insurance: Ensures your pets receive the best possible care without the burden of hefty vet bills.
  • Motorcycle Insurance: Comprehensive coverage tailored to motorcyclists’ needs, offering confidence on the open road.
  • Personal Watercraft Insurance: Specialized coverage for jet skis and personal watercraft, safeguarding against accidents and theft.
  • Valuable Articles Insurance: Protection for valuable possessions, including art, jewelry, and antiques, with tailored coverage.
  • Identity Theft Insurance: Coverage and support in case of identity theft, ensuring the security of your personal information.

Southern Pilot Insurance Company’s extensive coverage options reflect its commitment to providing insurance solutions for individuals, families, and businesses. With the flexibility to tailor policies to unique needs and a dedication to quality service, Southern Pilot is a reliable choice for comprehensive insurance protection.

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Southern Pilot Insurance Company Insurance Rates Breakdown

Driver ProfileSouthern Pilot National Average
Clean Record$83$119
1+ Ticket$125$147
1+ Accident$167$173
DUI$229$209
Poor Credit$143$205

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


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Southern Pilot Insurance Company Discounts Available

DiscountsSouthern Pilot
Anti Theft8%
Good Student12%
Low Mileage15%
Paperless9%
Safe Driver14%
Senior Driver12%

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Southern Pilot Insurance Company values its customers and offers various discounts to help them save on insurance premiums. These discounts can make coverage more affordable while maintaining the quality of protection you need. Here are some of the discounts you can take advantage of when choosing Southern Pilot:

  • Multi-Policy Discount: Bundle multiple insurance policies with Southern Pilot (e.g., home and auto insurance) to receive a discount on your premiums.
  • Safe Driver Discount: If you have a clean driving record with no accidents or violations, you may be eligible for a safe driver discount on your auto insurance.
  • Good Student Discount: Students with excellent academic records can qualify for reduced rates on auto insurance, encouraging responsible driving habits.
  • Home Security Discount: Invest in home security measures such as alarm systems or smoke detectors to qualify for a discount on your home insurance premiums.
  • Multi-Vehicle Discount: Insure multiple vehicles under a single policy with Southern Pilot to enjoy discounted rates for each vehicle.
  • Claims-Free Discount: Maintain a claims-free history with Southern Pilot for a specified period, and you may be eligible for a discount on your insurance.
  • Renewal Discount: Loyalty pays off. Continue renewing your policies with Southern Pilot, and you may receive a renewal discount as a token of appreciation.
  • Good Credit Discount: Maintain a good credit score, and you could be eligible for a discount on various insurance policies, including home and auto insurance.
  • Professional Association Discount: If you belong to a professional association or organization that partners with Southern Pilot, you may qualify for exclusive discounts.
  • Safety Features Discount: Equip your vehicle or home with safety features such as anti-theft devices, airbags, or smoke alarms to reduce your insurance premiums.
  • Pay-in-Full Discount: Pay your insurance premium in full upfront, and you can save on the total cost of your coverage.
  • Automatic Payment Discount: Enroll in automatic payment methods, such as electronic funds transfer, to receive a discount on your premiums.
  • Paperless Billing Discount: Opt for paperless billing and receive your policy documents electronically to earn a discount.

Discuss these discounts with your Southern Pilot insurance agent to ensure you take advantage of all applicable savings opportunities. By doing so, you can maximize your coverage while minimizing your insurance expenses.

How Southern Pilot Insurance Company Ranks Among Providers

Southern Pilot Insurance Company operates in a highly competitive insurance industry where several well-established and respected competitors vie for market share. Here are some of the company’s main competitors:

  • State Farm: State Farm is one of the largest and most recognized insurance companies in the United States. They offer a wide range of insurance products, including auto, home, and life insurance, as well as banking and financial services. State Farm’s extensive agent network and brand recognition make it a formidable competitor.
  • Allstate: Allstate is another major player in the insurance industry, known for its diverse range of insurance products and innovative features such as the “Drivewise” program for safe drivers. They have a strong presence in the auto, home, and life insurance markets.
  • Progressive: Progressive is renowned for its auto insurance offerings and its pioneering approach to online insurance quotes. They attract customers with competitive pricing and a wide range of coverage options.
  • Geico: Geico is known for its clever advertising campaigns and focus on providing affordable auto insurance. They have a substantial market share in the auto insurance sector and offer various discounts to attract customers.
  • Nationwide: Nationwide offers a range of insurance and financial products, including auto, home, and pet insurance. They have a strong presence in both personal and commercial insurance markets.
  • Farmers Insurance: Farmers is known for its personalized approach to insurance and offers a wide array of coverage options, including auto, home, and business insurance. They have a network of exclusive agents.
  • Liberty Mutual: Liberty Mutual provides a broad range of insurance products, including auto, home, and commercial insurance. They emphasize customer service and offer various discounts.
  • Usaa: Usaa primarily serves military members and their families, offering a comprehensive suite of insurance and financial products. They are highly regarded for their customer service and commitment to their target audience.
  • Travelers: Travelers is a prominent player in the commercial insurance market and offers a range of personal insurance products as well. They are known for their risk management solutions for businesses.
  • AIG (American International Group): AIG is a global insurance giant that provides insurance solutions for individuals, businesses, and multinational corporations. They have a significant presence in various insurance sectors.

These competitors often differentiate themselves through pricing, coverage options, customer service, and innovative technologies. To remain competitive, Southern Pilot Insurance Company must continually adapt, offer competitive rates, and provide excellent customer service while highlighting its unique strengths and coverage offerings.

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Southern Pilot Insurance Company Claims Process

Ease of Filing a Claim

Southern Pilot Insurance Company makes it easy for policyholders to file claims by offering multiple convenient options. Whether you prefer the online route, a phone call, or using their mobile app, the company strives to simplify the claims reporting process.

Average Claim Processing Time

When it comes to handling claims efficiently, Southern Pilot Insurance Company is committed to providing timely service. The average claim processing time is a crucial factor for policyholders, and Southern Pilot aims to ensure a smooth and quick resolution.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is a valuable indicator of an insurance company’s performance, especially when it comes to claim resolutions and payouts. Southern Pilot Insurance Company takes customer satisfaction seriously and works diligently to address their policyholders’ needs.

Southern Pilot Insurance Company Digital and Technological Features

Mobile App Features and Functionality

Southern Pilot Insurance Company’s mobile app offers a range of features and functionalities designed to enhance the policyholder experience. From accessing policy details to filing claims and making payments, the app provides convenient solutions for managing insurance matters on the go.

Online Account Management Capabilities

The company’s online account management capabilities empower policyholders with the tools they need to efficiently manage their insurance policies. This includes the ability to review policy documents, update personal information, and make payments securely through the online portal.

Digital Tools and Resources

Southern Pilot Insurance Company equips policyholders with a variety of digital tools and resources to support their insurance needs. These resources may include educational materials, calculators, and other online resources to help customers make informed decisions about their coverage.

Frequently Asked Questions

How do I request a quote from Southern Pilot Insurance Company?

Requesting a quote from Southern Pilot is easy. You can visit their website at www.southernpilot.com and use their online quote request tool, or you can reach out to one of their friendly agents by phone.

Can I bundle different types of insurance policies with Southern Pilot?

Yes, you can bundle different types of insurance policies with Southern Pilot to maximize savings and simplify your coverage management.

What makes Southern Pilot stand out from its competitors?

Southern Pilot stands out thanks to its commitment to customer satisfaction, a wide range of coverage options, competitive rates, and a history of quick and efficient claims processing.

How do I file a claim with Southern Pilot Insurance Company?

Filing a claim with Southern Pilot is straightforward. You can report a claim online through their customer portal or contact their dedicated claims team.

What is the process for canceling a policy with Southern Pilot?

If you need to cancel your policy with Southern Pilot, you can do so by contacting their customer service team. They will assist you in the cancellation process and guide you through any necessary steps.

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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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