Is there such a thing as no nonsense car insurance?

Find no nonsense car insurance by (1) reading customer reviews, (2) checking financial ratings, and (3) comparing quotes and coverage. Avoid companies with suspicious complications, as fraud costs the average U.S. family $400 to $700 a year.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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: Jun 11, 2020

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Things to Remember...

  • The term “no nonsense” refers to complicated exclusions or riders that are unfavorable to drivers
  • When doing business with your insurance company, make sure you call them out about any suspicious behavior
  • Protect yourself by researching potential car insurance companies before purchasing a policy with anyone

Those seeking no-nonsense car insurance typically want a straightforward policy that covers their needs and is easy on their wallet. Of course, that need is different for each driver.

Have you ever seen an insurance company offering a “no nonsense insurance” value on a car insurance policy?

While this may be a marketing gimmick, you can still source a useful, and affordable policy. Our guide goes over the steps to finding a no nonsense policy and finding affordable car insurance.

If you want to get started on finding no nonsense car insurance rates today, enter your ZIP code in our free tool above.

Meaning of No Nonsense Car Insurance

Such an oddly named policy usually means that the company is offering a simple and straightforward policy that covers basic car insurance needs.

The term “nonsense” may be in reference to various riders or exclusions that unnecessarily complicate matters. Usually, such complications involve terms that are unfavorable to the driver.

After all, if these “complicated” contracts were in the driver’s favor who would really complain about the fine print?

Unfortunately, because of miscommunications between over-eager motorists and over-zealous agents, sometimes insurance coverage can have a very unhappy ending.

The car insurance company decides that it will only offer a contract to a driver on a conditional basis. The driver doesn’t read the fine print and so assumes that the excluded condition is included in the contract, just as any normal policy.

The driver is shocked to discover later when his car is damaged that the insurance company is not paying for it.

Why did this “nonsense” happen? It’s usually not because of any chicanery on the part of the insurance company; it’s simply miscommunication.

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No Nonsense Car Insurance: Possible Car Insurance Scams

Once the insurance company decides not to insure a specific term of the contract, it cannot reverse the decision. If it does, the company loses profit.

If they make exceptions for one case, they have to make exceptions for every case. Therefore, the best advice is to talk to the insurance agent and get everything out into the open before signing.

Remember, the insurance company is not permitted to lie or mislead prospective clients about anything. If you ask questions, the agents must answer them truthfully.

It is up to you to spot any technicalities that could later result in a major loss for you.

What about the proverbial situation in which your car is damaged but the insurance company refuses to pay for it? Is it because the insurance company is crooked and is ripping you off?

It may seem that way for some motorists. However, this is usually a difference in perspectives.

If the insurance company sees evidence to suggest the damage wasn’t covered under contract terms, they will try to find a way out of paying that extra money.

The consumer only sees things from his or her perspective, just as the insurance company sees their own perspective.

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There is no right and wrong unless fraud is involved; most people simply don’t want to pay for damages that they don’t consider “their fault.” Curious how common fraud is? Check out information from the Insurance Information Institute (III) below.

Car Insurance Fraud Details in U.S.
Car Insurance Fraud in U.S. Details
Estimated Cost of Insurance Fraud per Family in U.S. $400 to $700
Estimated Cost of Worker's Compensation Fraud per Year$6 billion
Estimated Cost of Insurance Fraud Per Year $30 billion
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How does fraud affect what U.S. families pay? If a company experiences fraud losses or commits fraud itself, it will raise its car insurance rates. This means that the consumer has to pay more because of other’s actions.

No Nonsense Car Insurance: How to Defend Yourself in a Car Accident Claim

Need car accident insurance claims advice? Here is a good way to ensure that such insurance mishaps don’t happen to you:

  1. First, whenever you are in a car collision, always call a police officer to the scene. If possible, avoid talking about what happened until the police car arrives
  2. Tell the police officer what happened and give specific details to prove your case. Have the officer fill out a report to collaborate with your story
  3. Take pictures and have the details fresh in mind so that whenever a claims adjuster contacts you, you can stick to the facts

If you take the time to read your contract you will find that most insurance companies (especially the ones with established reputations and positive reviews) usually don’t offer nonsense contracts.

The term “no nonsense” in car insurance is so prevalent that some newer insurance companies have actually named themselves after the ubiquitous term.

Companies that have “No Nonsense” Titles

When you search no nonsense insurance on the web, you may pull up insurance in Ireland, such as the No Nonsense Car Insurance Company at RyanAirMoney.This insurance company is based in Ireland and offers a “no nonsense” deal when it comes to offering quotes.

This particular company is an Internet service and offers a variety of levels for its insured parties. How’s this for more nonsense? RyanAirMoney is not the only insurance company with the name No Nonsense Car Insurance. No Nonsense Car Insurance, another Ireland-based company, is offering its own straightforward car insurance at NoNonsense.ie.

Other companies based in Ireland that boast no nonsense insurance or no nonsense insurance advice include: Bonkers car insurance, FBD (FBD offers FBD vintage insurance and FBD farm insurance), Allianz insurance Ireland, and Insurance Ireland.

It’s important to check where a company is located, as searching for no nonsense insurance will pull up both Ireland and U.S. companies.

Usually checking the company address will help you determine where the insurer is selling. For example, clicking on no nonsense results shows you that One Point Direct insurance is located in Ohio and FDS insurance is located in New York.

You can also search for a company in area, by entering a search like “no nonsense car insurance Wexford, PA.” The more specific you are with your area, the less likely it is that you will end up with a page of suggestions for Ireland companies.

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How to Choose Trustworthy Car Insurance Companies

You may occasionally see other ads for “No Nonsense” and car insurance coverages. Some companies may even claim to be U.S.-based.

When searching, remember to choose the best car insurance companies that are well established and have some history.

It’s relatively easy to trust a new web store. However, a new car insurance company is a completely different story. They must have physical assets and financial stability in order to protect you.

Read reviews on the company and look up any warnings or any signs of negative publicity on the Internet.

Your new insurance provider may indeed have a straightforward policy that can save you money and keep you insured.

Take the time to compare rate quotes, and check out the providers giving them. Sites like AM Best ratings will tell you if the company is considered financially secure.

Ready to get started on comparing no nonsense car insurance rates today? Enter your ZIP code in our free tool below.

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