Is Utica National Auto Insurance Good for NY Drivers?
Last Updated on April 18, 2021
Auto insurance is a must-have for anyone living in New York with a car. However, not all insurers are created equal, and you’ll want to make sure you get coverage that will truly protect you in the event of an emergency. Utica National Insurance is one insurer you may be considering if you live in New York State. Here’s what you need to know about Utica National before purchasing a policy.
About Utica National
Utica National has been providing insurance products to people in New York for over 100 years. They were founded in 1914 in Utica and later expanded to an independent agent system in 1928. Today, the company has affiliates throughout the United States in places like Michigan, Ohio, Texas, and more, although they still call New York home. In addition to auto insurance, they also provide a number of other types of personal and commercial property insurance. These include things like home insurance, business insurance, umbrella insurance, and more.
| Utica National Company Information | |
|---|---|
| Address | 180 Genesee St. New Hartford, NY 13413 |
| Phone Number | 1-800-598-8422 |
| Online Contact | https://www.uticanational.com/contact-us/ |
| Website | https://www.uticanational.com/ |
What Types of Car Insurance Does Utica National Offer?
Utica National offers a good variety of auto insurance products to help you customize your coverage. You’ll be able to find all the coverage types that New York State requires, including liability coverage and no-fault coverage. You’ll also find popular supplementary coverage types, like comprehensive, collision, and underinsured motorists.
If you’re on a budget, you can opt for Utica’s Auto Essentials coverage. This affordable car insurance bundle gives you the basic coverage you need to stay safe on the road. You’ll still be able to customize your insurance to some degree, but you’ll be limited to their most affordable choices. This is a good option for people who don’t drive too often and only need basic coverage.
For those who need more coverage, there is the Auto Extension bundle. This option allows you to select car insurance add-ons for extra coverage. Some of these unique add-ons include gap coverage, pet coverage, rideshare coverage, and much more. You can also opt to add other types of vehicles to your auto coverage, such as motorcycles, ATVs, boats, and more.
Does Utica National Offer Discounts?
Utica National offers several discount options to help drivers save money. Some of the discounts they offer include discounts for safety devices, bundling your policy, or having multiple cars on your policy (or having a company car available). They also offer discounts for drivers who pay their policy in full upfront, and for those who pay using an ETF transfer.
The company also offers a few other ways to bring your premium down. For example, they have an accident forgiveness program for drivers with good records. They also have a diminishing deductible program, which helps you reduce your deductible over time with continued good performance. If you don’t drive often, you can also look into their annual mileage credit. This program will help you save money on your premiums based on how much you drive each year. The less you drive, the more money you could save.
What is Utica National’s Customer Service Like?
Utica National sells its policies through independent agencies. They have multiple offices in New York – one serving the New York City area and another regional office in upstate New York. On the Utica National website, you can find a full list of their offices and get in contact with one of their agents. You cannot get a quote directly on their website, but it is easy to get a quote from one of their agents via phone or email.
The independent agent model is great for those who want attentive and reliable customer service. If you have any problems or you need to change your policy, you can call your agent directly. Many people prefer to have a relationship with their insurance agents. However, if you prefer to manage your policy online, you may find this a bit frustrating.
Utica National offers several different ways to file a claim. They accept new claims 24/7, so you can contact them at any time. Their staff is available from 8 AM to 6 PM Eastern time for those who need to speak to a representative directly. You can file a claim by phone, by fax, or by mail, or you can file a claim on their website. There isn’t much information available about how long it takes Utica National to pay out their claim.
There are not many reviews or complaints about Utica National online, and they have an A+ rating from the Better Business Bureau. This means they likely have a solid base of loyal customers. Since they rely on independent agents to sell their policies, your customer service will vary slightly depending on who your agent is.
Utica National has an A- rating from AM Best, an organization that rates the financial stability of insurance providers. While this isn’t the highest possible rating, it does indicate that Utica National has the ability to pay out its claims regardless of the current economic climate.
What Are Utica National’s Rates Like?
There isn’t much information available about Utica National’s insurance rates. As with all insurance companies, your rates can vary widely depending on factors like your driving history, your vehicle, and more. To find out exactly how much you’ll pay for auto insurance with Utica National, you’ll need to get a quote directly from an agent. Be sure to ask which discounts you qualify for to help you save money.
Is Utica National Insurance Good for New York Drivers?
Overall, Utica National offers plenty of benefits for New York drivers. They have a number of different coverage types, so you can customize your policy to suit your needs. They also have a variety of discounts to help you save money. They sell their policies through independent agents, which means you attentive and personal customer service. However, for drivers that want to manage their policies online, it could be a bit frustrating.
Overall, Utica National offers reliable insurance for New York drivers. Their local approach allows them to give great customer service and offer policies that are right for you and your family. Of course, everyone has different needs when it comes to auto insurance, so it’s important to get quotes from multiple providers.
