Encompass Auto Insurance Review: Features, Pros & Cons, and Costs
Encompass auto insurance is another product under the mega-sized umbrella of Allstate insurance. Like its parent company, Encompass offers coverage for numerous products, ranging from personal liability protection to homeowners insurance and mobile home coverage to, of course, auto insurance.
Encompass may not have the unlimited number of commercials we’re used to seeing with other insurance carriers, but as a subsidiary of Allstate, it is a company that does warrant more attention. Here, we take a look at Encompass and what it can offer you for coverage.
What is Encompass Insurance Company?
Founded in 1897 under a different name, the company now known as Encompass began by selling personal insurance policies. Now over a century later, and having since become a part of Allstate, Northbrook, Illinois-headquartered Encompass is still going strong offering multiple insurance product lines across 39 states.
Encompass relies heavily on its independent agent network. Today there are over 2,600 insurance agents who sell Encompass products nationwide. The only way to purchase an auto insurance policy is to work with the agent or call the customer service number for them to locate an agent for you, which is unusual in modern-day when more and more companies provide online methods of obtaining quotes and information.
Encompass not only relies on the work of agents, but it has a number of insurance options you don’t always find with other companies.
How does Encompass auto insurance work?
Where many car insurance companies have moved towards online-only and apps to connect with the customer, Encompass relies on the human touch. If you want an insurance quote, you have to contact Encompass and work with an agent.
Encompass offers the standard auto insurance coverage options you’ve come to expect from a large company:
- Liability protection
- Collision and comprehensive coverage
- Medical payments
- Uninsured and underinsured motorists
But where Encompass sets itself apart is through its unique coverage options, ranging from emergency roadside assistance to new car replacement.
How much does Encompass cost?
Your auto insurance cost will depend heavily on several factors, including:
- Marital status
- Driving record and history
- Credit score
- Coverage options
To get a quote of what your premium might cost, you’ll have to work with an agent directly. You should also note Encompass offers a wide range of discounts, so be sure to have your agent go through all available discounts so you can save as much as possible.
Examples of premium costs
For a better example of how much Encompass costs, I received quotes for minimum and full coverage based on a single, college-educated male renting a home in Chicago driving an average of 11,000 to 13,000 miles a year in a 2018 Toyota Camry as of March 28, 2021.
Minimum coverage includes:
- Bodily Injury: $25k/$50k
- Property Damage: $20k
- Uninsured Motorist Bodily Injury: $25k/$50k
Full coverage includes:
- Bodily Injury: $100k/$300k
- Property Damage: $50k
- Uninsured Motorist Bodily Injury: $100k/$300k
- Collision Deductible: $1k
- Comprehensive Deductible: $1k
Features of Encompass auto insurance
Encompass has several features that make it worth a look when you’re comparing auto insurance companies.
Encompass has a unique policy offering where you can bundle your homeowner’s and auto insurance under one policy. This means you only have one agent to work with and all your coverage falls underneath one plan.
Within the EncompassOne policy, there are three different tiers. Each tier offers a different level of protection, so you can pick the best for your financial needs. For auto insurance coverage within the bundled policy, you can expect to find multiple features, including:
- Unlimited accident forgiveness
- Safe driving bonus
- Rental car reimbursement if you’re involved in an accident
- Auto trip reimbursement if you’re in an accident 100 miles away
- Electronic equipment coverage for your car
- Windshield repairs
- Additional coverage for your company car
The coverage amount varies depending on the tier you’ve purchased and some of these features may not be included depending on the tier. The homeowner’s portion also has its features you’ll want to review too.
The Encompass app offers you several convenient options such as paying your bill or access to your ID cards. But you can also use the roadside assistance tab for those times when you need an extra hand. You can request towing or lockout services, gas delivery, or a jump start or tire change at the touch of a button.
For those who purchased a brand new car, you can also obtain GAP coverage. If you’re in an accident and your car is totaled, the GAP coverage will pay the difference between the current market value and the amount you owe on your loan. This is only available if you have comprehensive and collision coverage on your policy though.
New car replacement service
If your car is totaled due to a qualifying total loss, Encompass will replace your vehicle with a current model year or a new car of similar size and class if your model is no longer available.
You only have to pay your policy’s deductible if you have this feature added to your coverage.
Encompass offers an impressive list of ways to save on your premiums. You can receive a discount for:
- Safe driving bonus
- Future effective date — if your policy is written seven days or more before your coverage begins.
- EasyPay— if you use the automatic payment feature
- New car discount
- Homeowners discount — if you bundle your renters, condo, or homeowners’ policy
- Good payer discount
- Anti-lock and anti-theft
- Passive restraint
- Driver training — if you’re under 21 and have completed an approved driver training course.
- Good student — if you have a 3.0 or higher, you’ll get rewarded!
- Resident student discount — if you go to school over 100 miles away from home and you do not take your car with you.
Who is Encompass best for?
If you prefer using a local agent
Again, Encompass only works through the agent network. You have to use the agent for everything from filing an insurance claim, to obtaining a quote, and to working with an adjuster to managing your policy and premiums.
Those who need specialty options
From teen drivers to custom equipment coverage, it’s likely Encompass can offer you some type of coverage for your driving situation. The EncompassOne policy offers multiple ways to customize your policy, although not all options are available within each of the tiers.
Who shouldn’t use Encompass?
If you like a digital-only experience
If you only like accessing the insurance company through a website or app, then you probably won’t like being forced to use an agent.
If you need rideshare coverage
Although Encompass offers several features, rideshare coverage isn’t one of them.
Pros & cons
Encompass has several pros and cons. You can decide what’s most important to you for an auto insurance carrier.
- Strong financial ratings. Encompass has earned a Superior A+ rating from A.M.Best, solidifying the strength of this Allstate-owned company.
- Strong customer service ratings. Encompass scored well below the national average, with a .68 on the National Association of Insurance Commissioners (NAIC) complaint index. This index measures the number of registered complaints for the auto insurance portion. Any score less than 1 is considered a positive score, indicating Encompass has had fewer complaints compared to other companies. Encompass also has an A+ Better Business Bureau (BBB) rating.
- Not available in all states. One downside, Encompass may not be available where you live. You’ll need to confirm with an agent if coverage is available.
- Difficult to get a quote. Other insurance companies require you to finalize a quote through an agent but still allow you to get an estimate online. Encompass doesn’t offer this option.
Encompass vs. competitors
Let’s face it, you have lots of options when it comes to auto insurance providers. Here’s a quick look at how Encompass compares to other well-known carriers:
|Insurer||Discounts available||2019 J.D. Power Rating||A.M. Best Rating|
Interested in learning more about Encompass? Here are other common questions surrounding coverage through Encompass.
Is Encompass auto insurance any good?
Like any auto insurance company, you have to decide exactly what you want from a carrier and what will work best for your budget. Encompass can offer you superior financial strength and great customer service ratings — which is always a great combination when it comes to insurance companies.
Is Encompass insurance expensive?
It’s hard to nail down an exact cost of auto coverage from Encompass to know for sure. In general, to get the lowest rate for your premiums, you should get multiple quotes from multiple carriers. Then, closely compare the coverage limits and options you’re choosing — are there adjustments you can make so your coverage is less expensive or better for your budget?
Can I get a lower deductible?
Your deductible is another big factor where you can save. The lower your deductible, the higher your premium. Taking on a higher deductible is a quick way to lower your rates. Just make sure you have savings to cover it in case of an accident! Finally, a good credit score improves your premium rate too. By paying bills on time and keeping your debt-to-income ratio in check, you can pay less for your annual premiums.
The bottom line
For those who prefer working with an agent and who don’t need the digital assets, then Encompass is worth reviewing. The unique coverage options and a long list of available discounts mean you can likely get a policy that fits exactly what you need — assuming you’re in one of the 39 states it services.
For more information visit Encompass Insurance Company.