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Pro: It’s clear National Family and its parent company Assurance IQ are on to something if Prudential Financial was willing to fork out $2.35 billion to buy it. The tech here is as sophisticated as it gets among online marketplaces. National Family exists to streamline the insurance process. First, it uses data science to assess your details and match you with the best insurance options. Then, it gets agents to advise you (rather than prospect you, which is what agents traditionally have done) to help you complete the process.
Con: At time of writing, the Prudential Financial deal was yet to close, and it was unclear how the acquisition would affect National Family’s offering. From what we can see, National Family will remain committed to using the latest technology to match you with the most suitable vehicle coverage for your needs. Watch this space for updates as they come.
More than other insurance agencies, National Family and parent company Assurance IQ have the tech knowhow to find you the best type of coverage for your needs. Each of its partners offers the following types of coverage.
Bodily Injury Liability. Covers you for all costs related to bodily injuries suffered by other drivers when you are at fault.
Property Damage Liability. Covers you for all costs related to damage of another person’s property when you are at fault.
Collision. Covers you for all costs related to vehicle repair and replacement if your vehicle is damaged in a collision, regardless of who was at fault.
Comprehensive. Covers all repairs and replacement costs if your vehicle suffers damage in a non-collision incident such as fire, flood, vandalism, theft, or hitting an animal.
Personal Injury Protection. Covers medical and rehabilitation expenses for you and your passengers, and some insurers also cover lost wages.
Uninsured and Underinsured Motorist. Covers the other driver’s liabilities if they are uninsured or underinsured.
At its heart, National Family is a sort of marketplace for auto insurance. Its business model forces insurance carriers to compete for your business by offering more features at lower rates. Here is a sample of the features you can find through National Family’s partners.
Gap coverage. In the event of a total loss, this covers the gap between the depreciated value and what you still owe.
Rental reimbursement. In the event your car is in the shop due to a covered accident, this covers the cost of getting a temporary replacement.
Roadside assistance. No one wants to be stuck roadside, but this allows you to relax in the knowledge that emergency assistance is on the way.
Rideshare coverage. New form of coverage designed for people who use their vehicle for work with ridesharing platforms like Uber, this provides coverage.
Equipment coverage. Covers loss or damage to equipment you installed in your vehicle, as opposed to equipment installed by the vehicle manufacturer.
As an online insurance agent, National Family collects your information, analyzes it, and then recommends insurance policies that are tailor-made for your needs and requirements. In order to get your recommendation, you must fill out a short online application form. This process takes about 3-5 minutes.
In most cases, National Family is able to process your application within 24 hours. In this time, you will fill out an online application, see recommendations, and then be given the option of speaking to a licensed insurance agent in your area. Your agent is there to fill in the gaps and advise you on the best car insurance options for your needs.
The application process is interactive, meaning that each answer you give prompts a new set of questions. Here are a few questions you can expect to receive:
• Do you have car insurance?
• How many drivers do you want to insure?
• Vehicle types (year, make, model, trim)
• Have you had any accidents, tickets, or DUIs in the past 3 years?
• Do you need an SR-22?
• Are you married?
• Are you a homeowner?
• Do you or any of your relatives serve in the military?
National Family does not provide any information about the claims process on its website. As an agent, it exists to set you up with an insurance carrier. Claims processes vary from insurer to insurer. Therefore, we recommend you speak to your National Family-assigned agent about the claims process before agreeing to purchase a new insurance policy.
As discussed here, National Family offers a combination of hi-tech online insurance platform and personalized assistance. The process works best when you fill out an online application and then speak to an agent. However, National Family does offer the option of speaking to an agent right at the start. To speak to a licensed agent, call 844-334-0566.
The insurance industry is getting more sophisticated, and National Family is at the forefront of this evolution. Through a combination of sophisticated data science algorithm and personalized assistance from real licensed agents, National Family delivers custom-made auto insurance to millions of drivers around the United States.