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Freeway Insurance Broker Review 2021

May 10, 2021
Auto Insurance, Insurance
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  • Specializes in coverage for high-risk drivers.
  • Sells policies from multiple insurance companies.
  • May charge a broker’s fee and other fees.

Freeway Insurance is a national chain that focuses on auto insurance for drivers with at-fault wrecks, tickets or DUIs on their records who might have a tough time finding coverage. Freeway isn’t an insurance company and doesn’t underwrite its own insurance policies. Instead, Freeway insurance brokers check with several insurers to get quotes for you.

Having someone shop for insurance on your behalf can be convenient, especially if you’ve had trouble finding an insurer that will accept you. However, you may find more options and avoid extra fees by comparing quotes from several companies yourself.

 

» MORE: Best car insurance companies for high-risk drivers

How Freeway Insurance works

Freeway is an insurance brokerage, which typically means you pay the company a fee to find a policy that fits your needs.

It’s important to note that online car insurance quotes from Freeway may not include the broker’s fee and other extra charges, so you could end up paying more than the price you see when you get a quote.

In most states, brokers must disclose fees, but always ask about extra charges on top of your premiums before you buy. Since Freeway operates in multiple states with different laws, it’s not clear how much the fees may be for you.

Also, be aware that broker’s fees are often nonrefundable. That means if you end up canceling your policy, you may not get back any of the money you paid to a brokerage to find insurance for you.

To avoid a broker’s fee, consider buying auto insurance directly from a carrier or through an independent agent. A car insurance comparison tool can help you get multiple quotes, and you won’t be limited to the companies that the brokerage offers.

» MORE: The best cheap car insurance in 2021

Freeway auto insurance

Freeway says it can provide insurance for any driver, despite blemished driving records or other problems. The company can help place drivers with insurers that can file an SR-22 form, which many states require to prove you have insurance after a DUI or other serious violation.

Freeway sells policies from several large, well-known auto insurers as well as smaller companies that focus on coverage for high-risk drivers. Among its carrier partners for car insurance are:

Some of these insurers have solid financial strength ratings and draw relatively few consumer complaints to state regulators. Other Freeway partners, however, have high rates of complaints and questionable financial strength. When you’re offered a policy from a broker or agent, it’s important to make sure the carrier is a company you can trust.

Freeway Insurance may not give you quotes from all of these companies. The lineup of insurers available to you through Freeway depends on where you live.

Your coverage options and discounts can vary, depending on which carrier you choose. In addition to typical options like comprehensive and collision coverage, you may be able to add extras like gap insurance.

Common types of car insurance coverage

When you’re shopping for car insurance, it’s important to understand what car insurance coverage you want and what you’re required to buy. Most states require car insurance to drive a vehicle, although minimum coverage requirements vary from state to state. This generally includes liability insurance and uninsured and underinsured motorist coverage.

If you want extra protection, you may be interested in full coverage insurance. Full coverage isn’t a specific policy you can buy, but rather a combination of coverage types like liability, collision and comprehensive insurance.

Check out the most common types of car insurance coverage below to see how they work:

Coverage typeWhat it pays forRequired?
Bodily injury and property damage liabilityCosts for injuries, deaths or property damage from an accident you caused.Typically required.
Uninsured or underinsured motorist coverageMedical and property damage costs after an accident with a driver who has insufficient insurance or none at all.Often required.
Collision coverageRepair expenses from traffic-related accidents, regardless of who's at fault.A car loan or lease may require it.
Comprehensive coverageRepair costs from events outside your control — including weather events, hitting an animal while driving, theft and vandalism.A car loan or lease may require it.

Other insurance from Freeway

As a brokerage, Freeway sells many other types of coverage in addition to auto insurance. Coverage types include:

HomeownersMotorcycle & ATVHealth
RentersMotor homeLife
LandlordSnowmobileIdentity theft
BusinessWatercraftMexican travel

More about Freeway

Freeway sells insurance by phone or online in all 50 states. Its website is available in English and Spanish, and drivers can connect with bilingual agents in person or by phone.

The company has storefronts in more than a dozen states, including Arizona, California, Florida, Massachusetts, Missouri, Nevada, New Mexico, New Jersey, New York, South Carolina, Tennessee, Texas and Wisconsin.

Freeway also offers income tax preparation in most of its offices through Tax Max.

On the Freeway website, you can request a quote, locate an office and learn about payment options. However, only customers in Illinois and Indiana can pay online through Freeway. If you want to look up policy details, ID cards or start an insurance claim, you’ll need to contact the company Freeway sells your policy from.

Auto insurance buying guide

Before you compare car insurance companies, you’ll need to collect basic information, such as the driving history of everyone on the policy and facts about your car, including safety features and annual mileage driven. You’ll also want to understand which types of coverage you need. For example, do you want only the bare minimum insurance that your state requires, or do you need more extensive coverage, such as gap insurance or rideshare coverage? Check that each company you’re considering has the options you want.

When comparing rates among insurers, make sure each is offering the same coverage limits and deductibles. You may not want to decide based on price alone. Look at how many consumer complaints each company has, as high numbers can be a red flag about the quality of service you might receive.

Depending on which company you choose, you may be able to buy insurance online, over the phone or through an agent. For more guidance, see how to get car insurance.

Recap: Freeway pros and cons

ProsCons
Available in all states.Company may charge a broker fee for finding you a policy.
Offers website and agent assistance in both English and Spanish.Some policies may come from insurers with high customer complaints or financial stability concerns.
Can get insurance quotes from multiple companies.Online quotes may not include all fees.

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