Vigilant Insurance Company Review (2024)

Vigilant Insurance Company, a prominent player in the insurance industry, offers a diverse range of coverage options, including home, auto, health, life, and business insurance, tailored to individual needs, with a focus on competitive rates and exceptional customer service.

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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Vigilant Insurance Company

Average monthly rate for business insurance:

N/A

A.M. Best rating:

A+ (Excellent)

Complaint level:

Low

Pros

  • Wide range of insurance options.
  • Competitive rates.
  • Excellent customer service.
  • Hassle-free claims process.
  • Personalized coverage tailored to your needs.

Cons

  • Limited international coverage (if applicable).
  • Some exclusions may apply in certain policies.
  • Premiums may vary based on individual factors.

In this comprehensive article, we introduce you to Vigilant Insurance Company, a trusted name in the insurance industry. Offering a diverse array of insurance policies, including home, auto, health, life, and business insurance, Vigilant caters to the unique needs of individuals and business owners alike.

With a commitment to personalized coverage, competitive rates, and exceptional customer service, Vigilant stands out as a reliable choice for safeguarding your assets and loved ones. Discover the advantages of their wide-ranging policies, efficient claims process, and the peace of mind they provide.

Explore the article to learn more about how Vigilant Insurance can meet your insurance needs and deliver exceptional value.

Vigilant Insurance Company Insurance Coverage Options

Vigilant Insurance Company prides itself on offering a diverse range of coverage options to meet the unique needs of its policyholders. These coverage options encompass various aspects of insurance to provide comprehensive protection. Here is a list of coverage options typically offered by Vigilant:

Home Insurance Coverage

  • Dwelling Coverage: Protection for your home’s structure in case of damage or destruction.
  • Personal Property Coverage: Coverage for your belongings, including furniture and electronics.
  • Liability Coverage: Protection against legal claims if someone is injured on your property.
  • Additional Living Expenses: Coverage for temporary living expenses if your home becomes uninhabitable.

Auto Insurance Coverage

  • Liability Insurance: Coverage for bodily injury and property damage you cause to others in an accident.
  • Collision Coverage: Protection for damage to your own vehicle in a collision.
  • Comprehensive Coverage: Coverage for non-collision incidents like theft, vandalism, and natural disasters.
  • Uninsured/Underinsured Motorist Coverage: Protection in case you’re in an accident with an uninsured or underinsured driver.

Health Insurance Coverage

  • Medical Coverage: Reimbursement for medical expenses, including doctor visits and hospital stays.
  • Prescription Drug Coverage: Coverage for prescription medications.
  • Wellness Programs: Access to health and wellness resources to promote a healthy lifestyle.
  • Dental and Vision Coverage: Optional coverage for dental and vision care.

Life Insurance Coverage

  • Term Life Insurance: Coverage for a specified term, offering a death benefit to beneficiaries.
  • Whole Life Insurance: Permanent coverage with a cash value component that grows over time.
  • Universal Life Insurance: Flexible, permanent coverage with potential for cash value growth.
  • Final Expense Insurance: Coverage designed to cover end-of-life expenses like funeral costs.

Business Insurance Coverage

  • Commercial Property Insurance: Protection for your business property, including buildings and equipment.
  • Liability Insurance: Coverage for legal claims and lawsuits against your business.
  • Workers’ Compensation: Coverage for employee injuries and medical expenses.
  • Business Interruption Insurance: Coverage for lost income due to covered disruptions.

Additional Services

  • Financial Planning: Guidance and resources to help with financial planning and investments.
  • 24/7 Customer Support: Access to assistance and information around the clock.
  • Online Policy Management: Convenient online tools for managing your policies.
  • Insurance Bundles: Savings opportunities when bundling multiple policies.

These coverage options are designed to provide policyholders with the flexibility to tailor their insurance plans to their specific needs, whether it’s protecting their home, vehicle, health, life, or business. Vigilant Insurance Company’s commitment to personalized coverage ensures that you can find the right combination of coverage for your unique circumstances.

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Vigilant Insurance Company Insurance Rates Breakdown

Driver ProfileVigilantNational Average
Clean Record$70$119
1+ Ticket$120$147
1+ Accident$150$173
DUI$190$209
Poor Credit$120$205

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


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Vigilant Insurance Company Discounts Available

DiscountVigilant
Anti Theft7%
Good Student12%
Low Mileage8%
Paperless13%
Safe Driver16%
Senior Driver5%

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Vigilant Insurance Company values its customers and offers various discounts to help them save on their insurance premiums. These discounts are designed to make insurance more affordable while still providing comprehensive coverage. Here is a list of the discounts typically offered by Vigilant:

  • Multi-Policy Discount: When you bundle multiple insurance policies, such as auto and home insurance, with Vigilant, you can enjoy significant savings on your premiums.
  • Safe Driver Discount: If you have a clean driving record with no accidents or traffic violations, you may qualify for a safe driver discount.
  • Good Student Discount: Students who maintain good grades often qualify for discounts on their auto insurance premiums.
  • Home Security Discount: Installing security features in your home, such as a burglar alarm or smoke detectors, can lead to reduced rates on your home insurance policy.
  • Claims-Free Discount: Vigilant rewards policyholders who haven’t filed any claims with discounts on their premiums.
  • Multi-Car Discount: Insuring multiple vehicles with Vigilant can lead to lower rates for each car on your policy.
  • Customer Loyalty Discount: Long-term policyholders who stay with Vigilant may be eligible for loyalty discounts.
  • Safety Features Discount: If your car is equipped with safety features like anti-lock brakes, airbags, or anti-theft devices, you can often enjoy lower auto insurance rates.
  • Pay-in-Full Discount: Paying your insurance premium in full upfront instead of in installments can lead to additional savings.
  • Renewal Discount: Renewing your policy with Vigilant can often result in a discount on your premiums.

It’s important to note that the availability and eligibility criteria for these discounts may vary based on your location and the specific policies you choose. To find out which discounts apply to your insurance needs, it’s recommended to contact Vigilant’s customer service or consult with an agent for a personalized assessment.

How Vigilant Insurance Company Ranks Among Providers

Vigilant Insurance Company operates in a competitive landscape within the insurance industry, where several prominent players offer similar services. Here are some of its main competitors:

  • Allstate Corporation: Allstate is a well-known insurance giant in the United States, offering a wide range of insurance products, including auto, home, life, and more. They are recognized for their strong brand presence and extensive network of agents.
  • State Farm: State Farm is another major player in the insurance industry, particularly known for its auto and home insurance coverage. With a large customer base and a robust agent network, they pose significant competition in the market.
  • Progressive Corporation: Progressive is a leading provider of auto insurance known for its innovative approach, including the use of technology and a user-friendly online platform. They compete by offering competitive rates and customizable policies.
  • Geico: Geico, short for Government Employees Insurance Company, is renowned for its advertising campaigns and competitive auto insurance rates. They attract customers with their straightforward approach and online quote system.
  • Liberty Mutual Group: Liberty Mutual offers a broad spectrum of insurance products, including personal and commercial coverage. They emphasize customized solutions and have a strong presence in the home insurance market.
  • Prudential Financial: Prudential is a significant competitor in the life insurance sector, offering various life insurance and investment products. They focus on financial planning and wealth management in addition to insurance.
  • Aetna (now part of CVS Health): Aetna is a major player in the health insurance industry, providing a wide range of healthcare coverage options, including medical, dental, and pharmacy services.
  • Chubb Limited: Chubb is a global insurance company specializing in property and casualty insurance for businesses and individuals. They are known for their high-end insurance solutions and risk management services.
  • Nationwide Mutual Insurance Company: Nationwide offers a variety of insurance products, including auto, home, and commercial insurance. They are recognized for their strong customer service and flexible policy options.
  • Travelers Companies, Inc.: Travelers is a leading provider of property and casualty insurance, serving both individual and business customers. They emphasize risk management and loss prevention services.

Vigilant Insurance Company competes with these formidable rivals by focusing on personalized coverage, competitive rates, exceptional customer service, and a diverse portfolio of insurance options. Staying innovative and adaptable in the ever-evolving insurance market is crucial for Vigilant to continue competing effectively.

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Vigilant Insurance Company Claims Process

Ease of Filing a Claim

Vigilant Insurance Company offers multiple convenient ways for policyholders to file insurance claims. Customers can choose from online submissions, phone claims, or even utilize their user-friendly mobile app for a hassle-free experience. This flexibility ensures that policyholders can select the method that best suits their preferences and needs.

Average Claim Processing Time

One crucial aspect of evaluating an insurance company is the speed at which they process claims. Vigilant Insurance Company prides itself on its efficient claims processing system.

On average, they strive to process claims promptly, providing policyholders with the financial assistance they need during challenging times. However, specific processing times may vary based on the complexity of the claim.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is a valuable indicator of an insurance company’s performance in handling claims. Vigilant Insurance Company has garnered positive reviews for its fair and prompt claim resolutions.

Policyholders have expressed satisfaction with the company’s responsiveness and the accuracy of payouts. This feedback reflects the company’s commitment to delivering on its promises and ensuring policyholders’ peace of mind.

Vigilant Insurance Company Digital and Technological Features

Mobile App Features and Functionality

Vigilant Insurance Company offers a robust mobile app that empowers policyholders with convenient features and functionality. The app allows users to manage their policies, view and download important documents, file claims, and even access resources for insurance-related information. The intuitive design of the app enhances the overall customer experience.

Online Account Management Capabilities

Policyholders can take advantage of Vigilant Insurance Company’s comprehensive online account management capabilities. Through their secure online portal, customers can easily access policy details, make payments, update personal information, and track the status of claims.

This online convenience streamlines the management of insurance policies, putting control in the hands of the policyholder.

Digital Tools and Resources

Vigilant Insurance Company provides a wealth of digital tools and resources to assist policyholders in making informed decisions. These resources include educational articles, calculators, and FAQs to help customers understand their insurance options better.

The company’s commitment to digital empowerment ensures that policyholders have access to the information they need to protect their assets and loved ones effectively.

Frequently Asked Questions

How do I get a quote from Vigilant Insurance?

Getting a quote from Vigilant Insurance is easy. You can visit their official website and use their online quoting tool, which typically requires you to provide some basic information about the type of insurance you’re interested in.

Can I bundle multiple insurance policies for discounts?

Yes, Vigilant Insurance Company offers multi-policy discounts. When you bundle two or more insurance policies, such as auto and home insurance, with Vigilant, you can often enjoy significant savings on your premiums.

What factors affect my auto insurance premium?

Several factors can influence your auto insurance premium, including your driving history, age, location, type of vehicle, coverage limits, and deductibles. Additionally, factors like your credit score, marital status, and the use of your vehicle can also impact your premium.

How can I file a claim with Vigilant Insurance?

To file a claim with Vigilant Insurance, you can typically, Contact Vigilant’s claims department, and Vigilant will assess the claim and work to process it efficiently.

What types of business insurance does Vigilant offer?

Vigilant Insurance Company offers a range of business insurance coverage options, including commercial property insurance, liability insurance, workers’ compensation, and business interruption insurance.

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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%

secured lock Secured with SHA-256 Encryption