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MAPFRE Auto Insurance

in Auto Insurance from MAPFRE Insurance

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MAPFRE Auto Insurance

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in Auto Insurance from MAPFRE Insurance

Net Recommendation Score +100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Financial Strength Rating A

MAPFRE Auto Insurance Review

MAPFRE Insurance is a car insurance carrier based in Webster, MA. The insurance company was founded in 1933 and offers car insurance in 19 states in the USA.

If you're considering whether Mapfre auto insurance is a good option for you, read on.

Mapfre auto insurance Pros & Cons
Pros Cons
  • 24/7 Phone availability
  • Free policy cancellation
  • Locally available agents
  • Digital claims reporting
  • Free Policy Cancellation
  • Accident forgiveness
  • Emergency roadside assistance
  • Rental car coverage
  • Ridesharing coverage
  • Generous with policy discounts
  • Offers multiple vehicle equipment discounts
Mapfre auto insurance FAQ

What are the minimum and maximum liability coverage options available?

Policyholders can request a liability coverage of $1,000 to $1,000,000.

What is the minimum and maximum deductible you can choose for a policy?

Adding a deductible to your insurance policy can reduce your premium. Mapfre auto insurance offers deductibles of $500 to $5,000

What types of car insurance coverage options does Mapfre auto insurance offer?

Although we often talk about car insurance in the singular, it really includes several types of coverage options. Mapfre auto insurance offers the following types of car insurance coverage options:

  • Bodily Injury Coverage: This insurance pays for your legal defense and for the costs associated with injuries to other people involved in an accident. 
  • Property Damage Coverage: Usually, this insurance will look after the property damage you cause to another vehicle or property when at fault in an accident.
  • Uninsured Motorist Coverage: The uninsured motorist rider covers the damages caused by a negligent driver who doesn't have an insurance policy.
  • Underinsured Motorist Coverage: This covers the damages caused by a driver who is at-fault but whose liability limits don't cover all the property damages and medical expenses of the accident.
  • Collision Coverage: Collision coverage is an optional policy that pays for the cost of repairing or replacing your vehicle after an accident. If you have an auto lease, the lender may require you buy collision insurance.
  •  Comprehensive Coverage:If your vehicle is damaged in an event other than a collision, comprehensive coverage will pay for the cost of the repair. Covered events include storms, floods, fire, vandalism, and theft.
  • Medical Payments Coverage: Medical payments insurance covers for the medical costs caused by an accident regardless of who is at fault. Most insurance policies will also cover funeral expenses.
  • Personal Injury Protection: Personal injury protection, also known as PIP, typically covers medical expenses, loss of essential services, funeral services, and loss of income. It is similar to medical payments coverage, or MedPay for short. The difference is that MedPay will only cover for reasonable medical expenses.

Mapfre auto insurance customers can also add the following riders or endorsements to their insurance policies:

  • Accident Forgiveness: MAPFRE Insurance offers accident forgiveness, which excuses your first accident. This means no insurance rate increase, even if it's your fault.
  • Transportation Network Company or ride-sharing coverage: Standard car insurance policies don't provide coverage the moment you log into a TNC or a ridesharing app like Uber or Lyft. This endorsement covers this gap.
  • Modified Vehicle Insurance: This coverage, also known as customized parts and equipment coverage, can help repair or replace alterations and upgrades you make to your vehicle. Notice that most car insurance policies will only cover original equipment so you may want to consider this policy if you've invested a lot of money on aftermarket parts and upgrades.
  • Travel Expenses / Trip Interruption Coverage: This coverage helps pay for non-refundable expenses if your trip is delayed or canceled due to an accident, mechanical breakdown, theft, injury, unexpected illness, or some other covered event.
  • Rental Car Coverage: Rental car coverage, also known as rental car reimbursement, pays for the cost of a car rental if you can't drive your vehicle because of a covered loss, such as a car accident, theft, or vandalism.
  • Non-Owner Liability Coverage: This policy is designed for people who drive a vehicle they don't own. It is also used by businesses who want to provide coverage for their employees when they use their personal vehicles for work. In some cases this endorsement will also cover rental vehicles.
  • Loan / Lease / GAP Coverage: GAP coverage covers the difference between what you owe on your vehicle and its current cash value in the event of a total loss.
  • Emergency Roadside Service: Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.
  • Transport Trailer Coverage: This covers non-motorized trailers towed by a vehicle. If they are damaged or cause damages in an accident this policy will cover the costs.
  • Mechanical Breakdown Coverage: If your vehicle is protected by mechanical breakdown insurance the costs of repairs (not including maintenance or normal wear and tear) are covered by your policy. However, you will need to obtain authorization from your insurance company first.

Does Mapfre auto insurance have roadside assistance?

Emergency Roadside Service available. Yes, MAPFRE Insurance offers roadside assistance to policyholders. Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.

Does Mapfre auto insurance offer ridesharing insurance?

Ridesharing coverage available. : Yes, Mapfre auto insurance offers ridesharing insurance to policyholders as a rider or endorsement. Standard car insurance policies don't provide coverage the moment you log into a TNC or a ridesharing app like Uber or Lyft.

What benefits does Mapfre auto insurance offer?

Mapfre auto insurance offers the following benefits to its customers:

  • 24/7 Phone Availability: Customer service is staffed around the clock.
  • Local Agents: Perfect for people who prefer the personal touch of a local insurance agent.
  • Free Policy Cancellation: No cancellation fees for ending your policy early.
  • Digital Claims Reporting: Never fax or mail a document again.
  • Mechanical / Auto Body Repair Network: Enjoy the competitive prices and peace of mind of having access to a network of service and repair shops.

What insurance discounts does Mapfre auto insurance offer?

When you ask for an insurance quote with Mapfre auto insurance, make sure you ask for all the insurance discounts you qualify for. These are the insurance discounts currently available that are specific to car insurance.
  • Alternative Fuel / Hybrid: For some reason, possibly because they drive fewer miles, people who own hybrids or alternative fuel vehicles pose a lower insurance risk. If your car is green, make sure you earn the rewards.
  • Anti-Lock Brake System: ABS technology reduces uncontrolled skids and insurance premiums. Most cars have them but it's an insurance discount people often forget to ask for.
  • Daytime Running Lights: This is an insurance discount you may not have heard of but it is becoming more commonplace. Daytime running lights make you more visible and to drivers and pedestrians, which reduces accidents.
  • Emergency Response System: Emergency Response Systems can protect you by turning off the fuel and unlocking the doors in an accident. Other types alert a response center so you get medical help faster.
  • Internal Safety Features: Mapfre auto insurance offers additional savings if you have seatbelts, airbags, and similar safety features. Ask what other safety features on your car will trigger an inurance discount.
  • Low Annual Mileage: If you don't put many miles on your car (typically under 15,000 miles a year) you may qualify for an insurance discount.
  • New Vehicle: If you buy a current year or previous year model, you will qualify for an insurance discount on your premium.
  • Telematics Device (Usage-Based Insurance): You can qualify for an insurance discount if you agree to install a sensor that records your driving habits.

Want more insurance discounts? Check the insurance discounts tab for a full list of general policy insurance discounts you can qualify for with Mapfre auto insurance.

How does MAPFRE Insurance calculate insurance rates?

Car insurance companies guard their risk-assessment algorithms as a trade secret, and MAPFRE Insurance is no exception. However, you can be confident that Mapfre auto insurance will take into consideration your driving record, age, gender, marital status, and address.

Other factors it will take into consideration are your vehicle (make and model), insurance history, and how you use your car.

Does Mapfre auto insurance use your credit score?

It is safe to assume that, when legal, a car insurance company will use your credit score as a rating factor. There are two exceptions.

  1. If you live in California, Hawaii, or Massachusetts, a car insurance company is not allowed to use your credit report as a rating factor.
  2. There are also a handful of car insurance companies that base their insurance rates exclusively on telematic data. These companies collect information on your driving behavior and use it to determine the risk you pose as a driver.

How can I get a Mapfre auto insurance insurance quote

  • Visit the MAPFRE Insurance website.
  • Fill out the insurance online quote application form. You will typically need to provide personal information, such as your name, vehicle, driver's license, and address.
  • Check the information is accurate and submit your application.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From MAPFRE Auto Insurance

MAPFRE Insurance helps to protect you, your car and other types of vehicles in 14 states across the country. As a leading auto insurance carrier, we know how important it is to get the right coverage at an affordable price. MAPFRE Insurance offers a variety of discounts to ensure that you’re getting the most value out of your policy. Liability coverage is required car insurance in most states. There are two types of liability coverage – bodily injury liability coverage and property damage liability coverage. It typically helps cover damages for those injured or killed and incurred property damage as the result of an at-fault accident. Full coverage isn’t a type of insurance, but rather a description for a combination of insurance including liability, collision, comprehensive and sometimes medical payments coverage. It offers the most protection and is typically more expensive than minimum liability insurance alone.

Collision insurance is a type of coverage that helps cover damage to the insured’s car as a result of a collision. In an at-fault accident where the car is totaled, collision insurance can help compensate the policyholder for the value of the vehicle. In some cases, like in Massachusetts, collision damages to the insured’s vehicle may be covered whether at fault or not. Deductibles would apply. When you’re insured by MAPFRE, this coverage typically protects the insured and their vehicle from direct and accidental damage, outside of a collision with another car or object. Comprehensive coverage typically covers things like damage to the insured vehicle from extreme weather, vandalism, or theft. In an accident where the at-fault driver isn’t insured or doesn’t have enough insurance, uninsured or underinsured motorist coverage can help cover costly medical bills. UM / UIM coverage typically helps cover medical expenses the insured or their passengers sustain in the car accident when the other driver is uninsured or their insurance is insufficient. Medical payments coverage, sometimes called MedPay, usually helps pay for expenses related to necessary medical and funeral services for the insured, their family and their passengers following an accident, regardless of fault. In many states, MedPay is an optional addition to an insurance policy, but there are states where it is mandatory coverage. Sometimes called no-fault coverage, PIP is similar to MedPay in that it can help cover medical expenses. However, in some states, PIP is mandatory coverage. MAPFRE’s substitute transportation coverage can help cover the cost of a rental vehicle for the duration of repairs following an accident or while the insured shops for a new car. Towing and labor coverage can help cover costs up to a specified limit each time the insured car is disabled.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 8:00am - 4:30pm
  • Tuesday 8:00am - 4:30pm
  • Wednesday 8:00am - 4:30pm
  • Thursday 8:00am - 4:30pm
  • Friday 8:00am - 4:30pm
  • Saturday Closed

Other Services by MAPFRE Insurance

Availability

  Available in 19 states
  • Arkansas
  • California
  • Connecticut
  • Florida
  • Idaho
  • Indiana
  • Kentucky
  • Maine
  • Massachusetts
  • New Hampshire
  • New Jersey
  • New York
  • Ohio
  • Oregon
  • Pennsylvania
  • Rhode Island
  • Tennessee
  • Vermont
  • Washington

Feature Breakdown

Policy Discounts
  • Affinity Relationship
  • Defensive Driver / Safety Course
  • Full Payment
  • Good Credit
  • Homeowner
  • Loyalty / Long-Term Customer
  • Multiple Policy
  • Multiple Vehicles
  • Paperless Billing / e-billing
  • Young Driver Training
Vehicle and Equipment Discounts
  • Alternative Fuel / Hybrid
  • Anti-Lock Brake System
  • Anti-Theft Devices
  • Daytime Running Lights
  • Emergency Response System
  • Internal Safety Features (Air Bags / Seat Belts)
  • Low Annual Mileage
  • New Vehicle
  • Telematics Device (UBI)
Liability Vehicle Insurance
  • Bodily Injury Coverage
  • Property Damage Coverage
  • Uninsured Motorist
  • Underinsured Motorist
Max/Min Deductibles $500 - $5,000
Medical Vehicle Insurance
  • Medical Payments Coverage
  • Personal Injury Protection
Min/Max Liability Coverage $1,000 - $1,000,000
Vehicle Coverages
  • Comprehensive
  • Collision
Financial Strength Rating A
Carrier Features
  • 24/7 Phone Availability
  • Locally Available Agents
  • Free Policy Cancellation
  • Digital Claims Reporting
  • Mechanical / Auto Body Repair Network

MAPFRE Auto Insurance Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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