UPDATED: Mar 30, 2022
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Here's the Scoop
- Alfa Insurance offers an extensive line of coverage to residents in Alabama, Mississippi, and Georgia
- Plans range from auto to home and life to commercial business insurance
- Policies are customizable and include many opportunities for savings
Are you on the hunt for a new auto insurance company? Maybe you’re struggling or feeling overwhelmed by the numerous providers and policy choices. Well, you have come to the right place. We write honest company reviews and provide access to free and easy insurance quotes, so you can make a stress-free decision. Today, we’re going to explore Alfa Insurance.
This article will break down coverage options, financial ratings, and customer reviews. We’ll analyze this information together to give you a complete picture of Alfa Insurance.
What services does Alfa Insurance provide?
Alfa Insurance is also known as Alfa Mutual Insurance Company. It provides insurance coverage to Alabama, Mississippi, and Georgia residents.
In addition to a robust auto insurance program, Alfa Insurance provides an extensive range of protection for nearly every area of your life. Alfa protects your assets with services ranging from homeowners to life insurance and business to farm coverage.
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Alfa Car Insurance Coverage
Alfa auto insurance is available in Alabama, Mississippi, and Georgia. The coverage options begin at state minimum liability and scale up to comprehensive.
The best car insurance companies give you many options. Alfa Insurance offers a complete selection of products to protect yourself and your vehicle, including many discounts. The company provides a variety of add-on coverages and endorsements that allow you to customize your plan for your needs.
Liability insurance pays for damages to the property of others or bodily injuries to others caused by you in an at-fault accident.
Alfa’s liability coverage provides legal defense if you are sued. Alfa will even pay you up to $50 per day to cover lost wages if you attend a court hearing or trial at the company’s request.
Uninsured & Underinsured Motorists
Not everyone on the road has insurance. Uninsured/underinsured motorist coverage protects you from damages caused by a driver with little or no insurance protection.
Alfa’s uninsured/underinsured motorist plan pays for bodily injuries and property damages caused by a driver with no insurance or insufficient insurance. This plan can protect you as a driver, passenger, or pedestrian.
Uninsured/underinsured motorist plans are only available in Georgia and Mississippi.
Medical payments insurance pays for medical expenses resulting from a covered accident. This plan pays up to your selected limit, regardless of fault.
Alfa’s medical payments policy includes coverage for funeral expenses up to $2,500.
This plan covers you as a driver, passenger, and pedestrian. Further, this coverage can pay for you to stay overnight in a hospital with a family member injured in a covered car accident.
Loss of Income
Alfa Insurance provides loss of income coverage to protect you after an accident. If you cannot work due to a covered loss, this plan will pay 85% of your monthly income, up to $750 per month, for up to one year after the accident.
This coverage applies to you, your spouse, family members, and any other person in your car.
Accidental Death and Dismemberment & Loss of Sight (AD&D)
You can add this additional protection to your auto plan. AD&D coverage pays if you experience death, dismemberment, or loss of sight due to a car accident.
The amount paid depends on the severity of your injuries.
Collision coverage pays for damage to your vehicle caused by hitting another car or object.
Alfa’s collision plan includes limited coverage for non-owned vehicles and up to $200 to cover lost clothing or luggage after an accident.
Comprehensive car insurance covers non-collision incidents. This plan pays for damage to your vehicle resulting from theft, vandalism, weather, and animals.
Alfa’s comprehensive plan also pays for transportation costs if your car is stolen. There is limited coverage for rental and other non-owned vehicles and reimbursement for up to $200 of lost clothing and luggage.
Loss of Use
Alfa’s loss of use insurance is designed to quickly get you back on the road.
The plan provides payments for a rental car if your car is unusable after a covered loss. There are options for $30, $40, $50, and $100 per day so that you can pick the best protection for you.
Alfa Car Insurance Add-ons
Alfa Insurance provides customers with numerous ways to customize their policies and save money. You can purchase additional protection or qualify for some of Alfa’s many discounts.
Alfa provides an accident waiver for its auto insurance plans. This coverage is available in Alabama and Mississippi, and it prevents your rates from increasing after your first at-fault accident. All you need to do to qualify for this feature is have a good driving record over the previous three years with no at-fault accidents.
You can also add Alfa’s roadside assistance program to your auto policy. This service is available 24/7 and covers towing, mechanical issues, fuel and oil delivery, battery jumps, and flat tire changes.
The program also includes locksmith services, Quest benefits, and a sign-and-drive feature.
Alfa Car Insurance Discounts
Choosing Alfa Insurance for your auto coverage gives you access to an extensive list of discounts. Alfa offers four categories of discounts: policy, driver education, occupational, and safety features.
Policy discounts are available for bundling multi-car, home, life, or umbrella insurance plans.
There are four driver education discounts for students and youth divers ages 16-24. You must complete specific driver education courses to qualify for some of these discounts or be a student that meets specific academic criteria for others.
Occupational discounts are available for teachers, military/first responders, state and federal employees, full-time ministers, and farmers. Occupational discounts are only available in Alabama and Mississippi.
You can receive a safety features discount if your car has airbags or specific anti-theft devices.
What other coverage does Alfa Insurance offer?
Besides auto insurance, Alfa provides a wide array of insurance products.
Protection is available for everything from houses to apartments and businesses to farms.
Alfa Insurance for Homes
Alfa’s insurance for homes includes homeowners, renters, and manufactured home plans.
These policies protect both your dwelling and your personal property.
Alfa Life Insurance
Alfa offers term life insurance and permanent life insurance policies.
Term plans are available for various durations and death benefits, while permanent plans build cash value and offer protection that you can use through retirement.
Alfa Farm Insurance
Farm insurance is available through Alfa in the state of Alabama.
This plan covers dwellings and property. It offers liability coverage, and you can use many add-on coverages to enhance your protection.
Alfa Business Insurance
Alfa’s business insurance is designed to protect your livelihood and investments. Some industries covered include animal care, food service, retail and distribution, and subcontractors.
Business coverages include commercial liability, auto, commercial umbrella, and workers’ compensation.
Alfa Health Insurance
Alfa Insurance offers health coverage in Alabama. These plans come in different tiers and provide a wide range of protection levels.
Alfa Dental Insurance
Alfa Insurance customers have access to Blue Cross and Blue Shield of Alabama dental insurance.
The company offers two plans: Dental Blue and Dental Blue Select. Both programs help cover basic and major services. The Dental Blue Select also includes coverage for orthodontic services.
Miscellaneous Alfa Insurance Coverages
Alfa Insurance offers a few types of coverage that don’t fall under the previous categories. These extra protections include watercraft insurance, church insurance, and personal umbrella coverage.
Alfa Insurance Company Reviews & Ratings
As you search for a new insurance company, it’s essential to consult the financial ratings and reviews. These two sources of information tell us a great deal about the company’s credibility and trustworthiness.
Alfa Insurance Financial Ratings
Financial ratings are unbiased appraisals of a company’s ability to meet specific obligations.
One of the nation’s top financial reviewers, A.M. Best, gives Alfa Insurance an A (excellent) rating. Further, the company’s economic outlook is stable.
Alfa Insurance Customer Reviews
While checking financial ratings is wise, checking customer reviews is essential. These comments and complaints give us great insight into how a company treats its patrons and whether it honors its agreements.
Alfa Insurance has 4.07/5 stars based on 326 customer reviews with Clearsurance.
The majority of reviews are positive. The company appears to be well-respected in the community, and customers praise the affordable rates and easy claims process.
However, there are isolated negative comments, and some customers accuse the company of poor service.
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Alfa Insurance: The Bottom Line
Alfa Insurance offers a complete line of protection. It protects your assets from auto to home insurance and life to commercial coverage.
The company offers a wide range of flexible choices and many discount opportunities.
It is well-rated by A.M. Best, and customer reviews are generally excellent.
Overall, Alfa Insurance is a one-stop-shop for insurance coverage that allows you to bundle your protection and save money.
However, don’t forget to do lots of research. Before making your final decision, compare multiple companies to find the best plan for you and your family.