Atlantic Specialty Car Insurance Review 
Atlantic Specialty car insurance for standard invidiuals is no longer offered. High-wealth clients can receive car coverage through their personal insurance lines or umbrella policies.
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UPDATED: Oct 20, 2021
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- Atlantic Specialty does not offer individual car insurance policies.
- Atlantic Specialty provides personal lines of insurance for wealthy clients.
- Atlantic Specialty offers an umbrella package which includes auto insurance.
If you are looking for Atlantic Specialty car insurance, you may be surprised to find that they no longer offer individual car insurance policies. This means that if you were looking to them as an insurer, you’re going to have to find an agent elsewhere who will be able to assist you, because you won’t be able to purchase Atlantic insurance.
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What do you need to know about the Atlantic Specialty Insurance company?
Atlantic Specialty now specializes in the following coverage options:
- Commercial property and liability insurance
- Personal and professional lines of insurance
- Marine insurance
- Umbrella coverage
- Environmental insurance
Within these categories, there are a few situations that do encompass auto insurance.
To be covered under this category, you must have a six figure income, or higher, and a low debt to income ratio. If you qualify, you can receive package deal that includes:
- Primary residence
- Homes with coastal exposure
The only way to purchase an auto policy is through the package deal. If you qualify, you can contact their customer service to be set up with a licensed agent, who will go over the details of what you’re looking for, and find their product offerings that fit your needs. Be sure to get agent feedback on the company, as that inside perspective can be quite helpful.
This may seem as though it’s being done in malice, but generally when a company makes the decision to switch to a specialty insurance, it’s for a reason. If they had one bad faith claim too many, or if they couldn’t compete against other auto insurance carriers in terms of price, as a company they could have made the decision to no longer sell that sort of coverage and avoid the risk of stagnating. In this case, it’s unclear what the motivation was. The fact of the matter is that in order to qualify for Atlantic’s auto insurance policies, you need to meet their qualifications.
The other auto coverage option is through an Umbrella Policy. An umbrella policy covers any gaps in coverage from other policies.
This means that you would have to have another individual policy to cover your auto before taking on Atlantic Specialty’s umbrella coverage.
This coverage can be in the form of a personal umbrella or an excessive umbrella.
A personal umbrella will cover drivers between the ages of 23 and 75 with up to four violations and three accidents or drivers under 23 with up to two accidents and three violations.
It covers unlimited vehicles including motor homes. An excess umbrella package will cover drivers with more accidents and more violations as well as unlimited vehicles.
That being said, if you’re still looking for competitive prices and are considering an independent agency, you can do so, as there is a wide range of them out there. To compare these options with other car insurance companies use our free car insurance quote tool now! By getting comparisons, you can be sure that you’ll end up with affordable insurance.