MAPFRE Insurance Overview and Reviews

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MAPFRE Insurance is a well-established company with a rich history dating back to 1904. It was founded in Spain by José de la Cuadra and is now a global insurance provider.

The company has a strong presence in the United States, with operations in over 40 states. MAPFRE Insurance offers a wide range of products, including auto, home, and life insurance.

With over 100 years of experience, MAPFRE Insurance has built a reputation for reliability and trustworthiness. Its financial stability and commitment to customer satisfaction have earned it a loyal customer base.

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About MAPFRE Insurance

MAPFRE Insurance is a property and casualty insurer, focusing on home and auto insurance. This means they offer a range of insurance products to protect your most valuable assets.

Their primary focus is on providing coverage for homes and vehicles, making them a great option for people who need to insure these essential items.

Product Offerings

MAPFRE Insurance offers a wide range of insurance products, including auto insurance, home insurance, motorcycle insurance, watercraft insurance, business insurance, and term life insurance.

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You can purchase MAPFRE auto insurance, which provides a variety of coverage options, such as private passenger autos, conversion vehicles, classic cars, or golf carts. They also offer different auto insurance coverage packages, like AutoMaster Coverage Packages and the Peace of Mind Package.

MAPFRE's standard coverage options include liability coverage, comprehensive and collision, medical payments, and uninsured motorist coverage. They also offer additional coverages, such as accident forgiveness, disappearing deductible, and Car EZ, which helps drivers coordinate the entire claims and repair process after a major accident.

Here are some of the additional coverages offered by MAPFRE:

  • Accident forgiveness: No increase in rates after your first at-fault accident.
  • Disappearing deductible: Reduce your deductible by $50 for each of the first four consecutive years after the first initial year.
  • Car EZ: Helps drivers coordinate the entire claims and repair process after a major accident.
  • Free glass repairs: Free glass repairs (but not replacement) if your windows or windshield are damaged.
  • Gap coverage: Covers the rest of your loan or lease if your car is totaled.

What Is Car EZ

MAPFRE's Car EZ program is a convenient option for drivers who want to make car repairs a hassle-free experience. It's a special program that encourages drivers to use MAPFRE's in-network repair shops for claims.

If you opt-in to Car EZ, you'll choose an approved repair shop for your covered damage, and that repair shop will handle picking up your damaged car, coordinate your replacement rental car, and clean your repaired vehicle before it's returned.

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One of the major benefits of choosing the Car EZ program is that the payments are handled directly between MAPFRE and the auto body shop, eliminating the need for you to submit reimbursements.

Any repairs made through Car EZ are guaranteed for the lifetime of the car, so if you need to go back for a follow-up, it should be paid for.

Using an in-network repair shop means you have less control over who you go to for your car repairs, and if you have a trusted mechanic you like, they may not be in the program.

Coverage Options

MAPFRE Insurance offers a wide range of insurance products, including auto, home, and business insurance.

You can purchase auto insurance through MAPFRE, which provides various coverage options such as liability coverage, personal injury protection, and comprehensive coverage. MAPFRE also offers different auto insurance coverage packages, including the AutoMaster Coverage Packages and the Peace of Mind Package.

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Liability coverage is a required coverage in almost every state, covering the cost of bodily injuries or property damage you cause to someone else in an at-fault accident.

MAPFRE auto insurance also includes collision coverage, which covers damage to your vehicle after a car accident, and comprehensive coverage, which covers non-collision damage to your car.

Some unique coverage options offered by MAPFRE include the Car EZ program, which helps drivers coordinate the entire claims and repair process after a major accident, and the home system and service lines coverage, which covers home systems breakdowns, including mechanical, electrical and underground exterior service lines.

Here are some additional coverages offered by MAPFRE:

  • Accident forgiveness: This means you won’t see an increase in your rates after your first at-fault accident.
  • Disappearing deductible: Keep your driving record accident-free and your MAPFRE collision deductible will go down each year, up to a maximum of $300.
  • Car EZ: If your vehicle is damaged in an accident, Car EZ can help you schedule repairs and find a rental car. Car EZ repairs are guaranteed for as long as you own your vehicle.

MAPFRE home insurance policies include all the usual coverages, such as dwelling, personal property, liability and additional living expenses.

Customer Service Overview

MAPFRE Insurance has a customer service team that can help with various issues. You can contact them by phone, which is the most commonly used method, with 79% of customers preferring it over email.

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The best phone number to call MAPFRE Insurance is 855-515-9700, which 65% of consumers used to address their issues and concerns.

The longest wait times are typically on Mondays, while the shortest are on Saturdays and Sundays, with an average call time of 12 minutes.

You can also contact MAPFRE Insurance via email, with [email protected] being the best email address to use, as 63% of customers have used it to address their issues and concerns.

Here's a breakdown of how customers typically contact MAPFRE Insurance:

Keep in mind that 13% of customers who called the company's customer support had their issues resolved.

Discounts Offered

MAPFRE Insurance Company offers various discounts to help customers save on their auto policy, including discounts for shopping in advance, being a homeowner, being a loyal MAPFRE customer, having multiple policies, paying their premium in full and more. Discount availability varies by state.

Bundling your home and auto insurance policies can result in a significant discount, with estimates showing a savings of nearly $300 in most cities. For example, bundling your home and auto insurance in Boston will cost $2,383 versus $2,676 with just an auto policy.

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Some of the specific discounts offered by MAPFRE include:

  • Bundling discount: Save money when you purchase more than one policy with MAPFRE, like auto insurance and homeowners insurance.
  • Paid in full discount: Pay your premiums in full at the beginning of your policy to earn a discount.
  • Good student discount: Full time students who meet certain requirements, such as having a specific GPA, can save money on their car insurance.
  • Student away from home discount: If you have a college student on your MAPFRE auto insurance policy who is going to school at least 100 miles away from home (without a car) you could qualify for a discount.
  • Annual mileage discount: Save money on your car insurance by keeping your annual mileage low.
  • Smart driver discount: Save money by participating in the InControl Crash Prevention Training or TeenSmart Training Programs offered by MAPFRE.
  • Multi-car discount: Insure two or more cars on the same MAPFRE policy to earn a discount.
  • “Clean in Three” discount: Keep your driving record clean for three or more years to receive a discount on your MAPFRE auto insurance.
  • AAA member discounts: Become an AAA member to qualify for a discount.
  • Welcome back discount: Switch back to a MAPFRE insurance policy to earn a discount.
  • New home discount: Qualify for a discount on your home insurance policy.
  • Security discount: Provide information about your home's security system to qualify for a discount.
  • No-claims discount: Maintain a clean claims record to earn a discount on your home insurance policy.

Reviews and Ratings

MAPFRE Insurance has a reputation for being one of the worst insurers for customer experience, ranking 23rd out of 25 in J.D. Power's 2019 U.S. Auto Claims Satisfaction Study.

Customers have complained about MAPFRE's auto insurance, with a complaint rating of 1.02, slightly higher than the average of 1.00, according to the National Association of Insurance Commissioners.

MAPFRE's home insurance, on the other hand, has a much lower complaint rating of 0.15, indicating customers complain about it 85% less than the median insurer.

MAPFRE has a good financial health rating of A from A.M. Best Co., which is a great score for an insurance company.

However, this rating doesn't necessarily translate to excellent customer service, as MAPFRE has struggled with handling customer claims in the past.

You can file a claim with MAPFRE through their website, customer portal, or by visiting one of their 18 locations in select states, each with its own phone number.

If you need to reach MAPFRE, you can call them at 1-877-627-3731 for any questions or concerns.

Comparison and Evaluation

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MAPFRE is a property and casualty insurance company that offers a range of insurance products, including auto, homeowners, motorcycle, business, and umbrella insurance. It was created in Spain in 1913 and is known for its lower-than-average rates and comprehensive coverage options.

MAPFRE's average homeowners insurance costs are comparable to other major insurers, but it's worth noting that Quincy Mutual is the cheapest home insurer in its largest market, with an average cost of $646. In contrast, Hanover is the most expensive, with an average cost of $2,390.

MAPFRE's auto insurance rates are also worth evaluating. According to a comparison of MAPFRE's rates in various cities, it's clear that prices can vary significantly depending on the location. For example, in Boston, MAPFRE's auto insurance price is $2,676, while in Lowell, it's $2,250.

Here's a breakdown of MAPFRE's auto insurance rates in different cities:

It's also worth noting that MAPFRE has lower-than-average rates, lots of coverage options, and fewer customer complaints than other insurance companies, earning an overall score of 4.6 out of 5. This suggests that MAPFRE may be a good option for those looking for a reliable and affordable insurance provider.

Availability and Support

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MAPFRE insurance is available in 18 states, including Arizona, California, and Florida. You can check if your state is on the list.

If you're looking for 24-hour customer support, you might be out of luck. The company doesn't indicate its business hours on its official site, but you can try contacting them through their phone numbers or email to ask about their support hours.

If you're wondering where to find support, you can try reaching out to MAPFRE through their social media channels or by writing a letter to their email address. However, it's not clear if they offer 24-hour customer care support.

Here's a list of states where you can find MAPFRE insurance:

  • Arizona
  • California
  • Connecticut
  • Florida
  • Idaho
  • Indiana
  • Kentucky
  • Maine
  • Massachusetts
  • New Hampshire
  • New Jersey
  • Ohio
  • Oregon
  • Pennsylvania
  • Rhode Island
  • Tennessee
  • Vermont
  • Washington

MAPFRE is not available in 28 states, including Alaska, Alabama, and Hawaii.

Cost and Quotes

MAPFRE auto insurance costs an average of $87 a month, or $1,040 a year, which is significantly less expensive than competitors for a full-coverage policy.

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In comparison, the national average for auto insurance is $136 per month, or $1,638 per year. This highlights the affordability of MAPFRE's auto insurance options.

Here's a comparison of average costs between MAPFRE and the national average:

MAPFRE is average in terms of homeowners insurance costs, with some competitors offering lower quotes.

The Bottom Line

MAPFRE offers low average rates for full-coverage car insurance. This is a significant advantage for drivers looking to save money on their premiums.

With a lower-than-average number of customer complaints, MAPFRE customers are generally happy with their car insurance coverage. This suggests that the company is doing something right.

One of the perks of choosing MAPFRE is their free disappearing deductible program, which knocks money off your deductible for every year of safe driving. This can add up to significant savings over time.

However, it's worth noting that MAPFRE auto coverage is only available in 18 states. This may limit your options if you live outside of these areas.

If you're a teen driver, you may be eligible for MAPFRE's special program that lowers your rates up to 15% if you complete all the steps. This can be a great way to save money on your premiums.

Cost Estimate

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MAPFRE auto insurance costs an average of $87 a month, or $1,040 a year.

For comparison, the national average for a full-coverage policy is significantly higher, at $136 per month or $1,638 per year.

MAPFRE's average cost is $1,040 per year, which is lower than the national average of $1,638 per year.

Here's a comparison of MAPFRE's average cost with the national average:

Frequently Asked Questions

What does MAPFRE stand for?

MAPFRE stands for "Mutual Association of Owners of Rural Properties in Spain." It's a name that reflects the company's origins as a mutual insurance provider for a small group of like-minded individuals.

Is MAPFRE owned by AAA?

MAPFRE Insurance and AAA Washington have a joint ownership structure through a jointly owned insurance company. They share ownership, but it's not a traditional ownership model.

Carlos Bartoletti

Writer

Carlos Bartoletti is a seasoned writer with a keen interest in exploring the intricacies of modern work life. With a strong background in research and analysis, Carlos crafts informative and engaging content that resonates with readers. His writing expertise spans a range of topics, with a particular focus on professional development and industry trends.

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