Review of Freeway Insurance Company (2020)

Freeway Insurance is an independent agency that brokers car insurance in nine states. Comparison shopping may reduce your car insurance rates by up to 20%.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: May 15, 2020

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Here's what you need to know...

  • Freeway Insurance is California-based but has offices in 9 states from West to East Coasts
  • They are an insurance brokerage
  • They offer many ways to save money on premiums for car insurance coverage

Freeway Insurance is a California company with offices in Arizona, California, Florida, Nevada, New Jersey, New York, Oregon, Texas, or Washington.

This company was founded in 1987 with products for homeowners and drivers alike. Freeway is a member of the Better Business Bureau and one of the largest agencies in the area.

Car insurance quotes are available 24 hours per day, simply by entering your ZIP code into the FREE tool at the top of this page!

If you are looking for affordable coverage for your vehicle, Freeway Insurance is worth considering. In today’s tough economic times, affordable car insurance is a necessity.

There is no escaping the cost of carrying car insurance unless you decide to take public transportation rather than ever driving.

Freeway Car Insurance Full Coverage Inclusions

Some policy inclusions are optional unless a lien holder finances your auto. Lien holders protect their investments by requiring the driver to carry full coverage car insurance.

Some people and states have different ideas of what constitutes full coverage. It all hinges on where you live since each state establishes its own laws and regulates them.

In most states, a full coverage policy includes your basic liability for bodily injuries and damage to other people and property. Damages could consist of lost wages and pain and suffering if you live in a tort state.

In addition to basic liability, there are several other options. Depending on where you live, some of these are compulsory, and some are optional.

  • PIP or personal injury protection
  • Collision and comprehensive
  • Underinsured protection to protect drivers against other drivers who do not have coverage of their own.

The Freeway Auto Insurance Company has offices in approximately nine states with about 25 locations to choose from.

All of these locations are able to assist inquirers with quotes from a list of carriers. As an independent agent, this company can find the best options according to your needs.

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Freeway Car Insurance Companies

Insurance brokerages such as Freeway have the flexibility to match your situation with a number of possibilities. If your driving record is clean, you will be eligible for standard protection.

If you have a DUI, numerous traffic violations, or require an SR22 form, you may need special coverage for high-risk drivers.

Freeway has an affiliation with an assortment of 20 carriers that can accommodate any situation. Some of those carriers are:

  • Geico
  • Nationwide
  • Allstate
  • Liberty Mutual
  • Progressive
  • State Farm

An insurance agent within the company will ask you some important questions that will help them determine which one of their 20 carriers suit you best. Some of those prequalification questions are related to:

  • Age
  • Gender
  • Location
  • Driving record
  • Credit

They will ask other questions about the vehicle(s) you want to insure.

Freeway Car Insurance Savings

With the price of everything going up, the cost of car insurance can be a challenge.

All states in the nation require liability protection, either in the form of car insurance or proof to pay for damages, if you are driving a motor vehicle.

There are several alternatives to paying the high price of an auto policy. Freeway has helped some people save hundreds of dollars.

Ways in which people save have to do with the programs that are offered. You also save by being proactive in reducing your premiums. Drivers have the power to reduce rates by:

  • Taking defensive driving courses
  • Purchasing 12-month policies versus 6-month policies
  • Paying premiums up front
  • Choosing higher deductibles
  • Purchasing security devices for your vehicle

Driving courses may cost you $75 depending on your location. This is a small price to pay considering what you will save in a year.

Three to six points may by deducted from your driving points by taking this class. A speeding ticket could place three points on your record and a reckless driving ticket could add 6 points.

Filing Freeway Car Insurance Claims

After you are matched with a carrier, make your deposit, and receive your policy, you are considered a subscriber of that carrier. In the case of an accident, you would file your claim with that company.

Most major insurers make it convenient to file claims by referring you to their website.

Once you file your claim online, the company may send an adjuster out to assess the damages to your car.

If you have injuries that require a hospital stay, they may even send an adjuster to your room to determine the extent of your injuries. During this time, it is important to keep track of all documentation that may be relevant to your claim.

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