Is All Savers Insurance Worth It? A Look at Costs, Benefits and Alternatives
All Savers Insurance is a leading provider of insurance products and services in the United States. Founded in 1982 and headquartered in Omaha, Nebraska, the company offers a comprehensive range of insurance solutions, including health, life, auto, and home/renters insurance.
With a strong commitment to customer satisfaction and affordability, All Savers Insurance has established itself as a trusted name in the industry. The company’s key product lines cater to individuals, families, and businesses, providing customizable coverage options to meet their specific needs.
All Savers Insurance prides itself on its user-friendly online platform, allowing customers to easily compare plans, obtain quotes, and manage their policies efficiently. Additionally, the company maintains a network of local agents and customer service representatives to provide personalized assistance and support.
Types of Insurance Offered
All Savers Insurance offers a comprehensive range of insurance products to meet the diverse needs of individuals, families, and businesses. Here are the main types of insurance available:
Health Insurance: All Savers provides various health insurance plans, including individual, family, and group plans. Their health insurance options cover a wide range of medical services, such as doctor visits, hospital stays, prescription drugs, and preventive care.
Life Insurance: Secure your family’s financial future with All Savers’ life insurance policies. They offer term life insurance, whole life insurance, and universal life insurance options. Their life insurance plans provide financial protection and peace of mind in the event of the policyholder’s untimely death.
Auto Insurance: Protect yourself and your vehicle with All Savers’ auto insurance coverage. Their auto insurance plans include liability coverage, collision coverage, comprehensive coverage, and additional options like roadside assistance and rental car reimbursement.
Homeowners/Renters Insurance: Safeguard your home or rental property with All Savers’ homeowners and renters insurance policies. Their coverage options protect against risks such as fire, theft, natural disasters, and personal liability claims.
Business Insurance: All Savers offers a variety of business insurance solutions tailored to the unique needs of small, medium, and large enterprises. Their business insurance products include general liability insurance, professional liability insurance, commercial property insurance, and workers’ compensation insurance.
With a wide array of insurance products and customizable coverage options, All Savers Insurance aims to provide comprehensive protection and peace of mind for individuals, families, and businesses alike.
Health Insurance Plans
All Savers Insurance offers a range of health insurance plans to meet the diverse needs of individuals and families. Their plans are designed to provide comprehensive coverage while keeping costs manageable.
PPO Plans
All Savers’ Preferred Provider Organization (PPO) plans provide flexibility in choosing healthcare providers. With a PPO plan, you can visit any doctor or hospital within the plan’s network and receive a higher level of coverage. Out-of-network providers are also covered, but at a lower rate. These plans are ideal for those who value the freedom to choose their healthcare providers without the need for referrals.
HMO Plans
Health Maintenance Organization (HMO) plans from All Savers offer a more affordable option by limiting coverage to a specific network of healthcare providers. With an HMO plan, you’ll need to select a primary care physician (PCP) who will coordinate your care and provide referrals for specialist visits. These plans typically have lower out-of-pocket costs but less flexibility in provider choice.
High-Deductible Health Plans (HDHPs)
All Savers’ High-Deductible Health Plans (HDHPs) are designed for individuals and families who want lower monthly premiums and the option to contribute to a Health Savings Account (HSA). With an HDHP, you’ll have a higher deductible to meet before the plan starts covering a portion of your healthcare expenses. However, the money contributed to an HSA is tax-deductible and can be used to pay for qualified medical expenses.
Coverage Details
All Savers’ health insurance plans cover a wide range of essential healthcare services, including:
- Preventive care (annual check-ups, screenings, immunizations)
- Doctor visits (primary care and specialist)
- Hospitalization
- Emergency room visits
- Prescription drugs
- Maternity care
- Mental health services
- Rehabilitation services
Additionally, All Savers offers supplemental coverage options, such as dental and vision plans, to provide comprehensive protection for your overall health and wellness.
Life Insurance Options
At All Savers Insurance, we understand the importance of protecting your loved ones’ financial future. That’s why we offer a range of life insurance options to suit your specific needs and budget. Our life insurance plans include term life, whole life, and universal life policies, each designed to provide peace of mind and financial security for your family.
Term Life Insurance
Term life insurance is a straightforward and affordable option that provides coverage for a specific period, typically ranging from 10 to 30 years. If the insured person passes away during the term, their beneficiaries receive a death benefit payout. This type of policy is ideal for those seeking temporary coverage during their working years or until their children become financially independent.
Whole Life Insurance
Whole life insurance is a permanent life insurance policy that provides lifelong coverage as long as premiums are paid. It combines a death benefit with a cash value component that accumulates over time, allowing you to build wealth and potentially access funds for emergencies or future expenses. Whole life insurance is a more expensive option but offers lifetime protection and a guaranteed cash value growth.
Universal Life Insurance
Universal life insurance is a flexible permanent life insurance policy that combines a death benefit with a cash value component. Unlike whole life insurance, universal life policies allow you to adjust your premium payments and death benefit amounts as your needs change over time. The cash value component earns interest based on current market rates, providing potential for growth and the ability to access funds if needed.
At All Savers Insurance, our experienced agents will work closely with you to understand your specific circumstances and recommend the life insurance plan that best suits your needs and budget. We pride ourselves on transparent pricing, exceptional customer service, and a commitment to helping you protect your loved ones’ financial future.
Auto Insurance Coverage
All Savers Insurance offers comprehensive auto insurance coverage to protect you on the road. Their policies include liability, collision, and comprehensive coverage options to suit your needs and budget.
Liability Coverage is required in most states and covers bodily injury and property damage costs if you’re found legally responsible for an accident. All Savers provides liability limits up to $500,000 to give you peace of mind.
Collision Coverage pays for repairs to your vehicle after an accident, regardless of who was at fault. This can be crucial for protecting your investment in your car or truck.
Comprehensive Coverage protects your vehicle from non-collision incidents like theft, vandalism, weather events, and run-ins with animals. It provides that extra layer of protection for the unexpected.
All Savers also offers additional options like roadside assistance, rental reimbursement, and accident forgiveness to further customize your policy.
You can save money by bundling your auto insurance with other policies like home or renters insurance. All Savers also provides discounts for good drivers, multiple vehicles, safety features, and more. Get a free quote online to find the right coverage at the best rate.
Homeowners/Renters Insurance
All Savers Insurance offers comprehensive homeowners and renters insurance policies to protect your home, belongings, and personal liability. Their homeowners insurance plans provide dwelling coverage for the structure of your home, other structures on the property like sheds or detached garages, personal property coverage for your belongings, and additional living expenses if your home is uninhabitable due to a covered loss.
Their policies include personal liability protection, which covers you if someone is injured on your property or if you accidentally cause damage to someone else’s property. Medical payments coverage is also included to help cover medical expenses for guests who are injured at your home.
All Savers homeowners insurance provides replacement cost coverage for your home and belongings, ensuring that you can rebuild or replace them at current market prices, without depreciation. They also offer extended replacement cost coverage, which provides an additional buffer above your policy limit if rebuilding costs exceed your dwelling coverage amount.
For renters, All Savers offers renters insurance to protect your personal belongings and provide liability coverage. Their renters policies include personal property protection for your furniture, electronics, clothing, and other possessions, as well as liability coverage in case someone is injured in your rented home or apartment.
Both homeowners and renters insurance policies from All Savers can be customized with additional endorsements and riders to fit your specific needs, such as scheduled personal property coverage for valuable items like jewelry or artwork, water backup coverage, identity theft protection, and more.
Customer Reviews & Ratings
All Savers Insurance has received generally positive reviews from customers regarding their coverage options, pricing, and claims process. Many policyholders praise the company’s affordable rates and the value they feel they receive for their premiums.
When it comes to health insurance plans, customers appreciate the wide network of in-network providers and the comprehensive coverage offered. However, some have noted that certain procedures or treatments may require higher out-of-pocket costs or prior authorization.
For life insurance policies, customers highlight the straightforward application process and the ability to customize coverage levels to suit their needs. Some policyholders mention that the claims process for beneficiaries was handled efficiently and with compassion during a difficult time.
Auto insurance customers laud All Savers’ competitive pricing and discounts for safe driving and bundling policies. While most are satisfied with the claims process, a few have reported delays or difficulties getting repairs approved or covered.
Homeowners and renters insurance policyholders generally feel that their coverage is adequate and that the company responds promptly to claims, particularly in the event of natural disasters or emergencies. Some customers note that the claims process could be more transparent or streamlined.
Overall, All Savers Insurance maintains a solid reputation for providing reliable coverage at reasonable rates, with a majority of customers expressing satisfaction with the company’s services and claims handling.
Getting a Quote
Getting an insurance quote from All Savers is a straightforward process that can be done online, over the phone, or through an agent. Here are the different options:
Online Quote
The easiest way to get a quote is through the All Savers website. Simply navigate to the “Get a Quote” section and follow the prompts. You’ll need to provide some basic information like your ZIP code, date of birth, and the type of coverage you’re interested in (health, auto, home, etc.). The online quote tool will then generate personalized rates for you to review.
Phone Quote
If you prefer to speak with a representative, you can call All Savers’ toll-free number during business hours. An agent will ask you a series of questions to understand your coverage needs and provide you with accurate quotes over the phone. This is a good option if you have specific questions or need guidance through the quoting process.
Local Agent
All Savers has a network of local agents across the country who can meet with you in person to discuss your insurance options. You can search for an agent in your area on the company’s website or by calling the main number. Local agents can often provide more personalized service and help you navigate the complexities of insurance policies.
No matter which method you choose, All Savers makes it easy to get a quote and compare rates. Their goal is to provide transparent pricing and help you find the coverage that best fits your needs and budget.
Filing a Claim
Filing an insurance claim with All Savers is a straightforward process designed to ensure you receive your payout promptly. The first step is to notify the company as soon as possible after the insured event occurs, whether it’s a car accident, medical emergency, or property damage. You can initiate the claims process online through their website, by calling their 24/7 claims hotline, or by visiting a local All Savers office.
During the notification, you’ll need to provide details about the incident, including the date, location, and circumstances. Be prepared to share any relevant documentation, such as police reports, medical records, or repair estimates. An All Savers claims representative will guide you through the process and inform you of any additional information or documentation required.
Once your claim is filed, an adjuster will be assigned to investigate and assess the extent of the damage or loss. They may schedule an inspection or request additional documentation to validate your claim. Throughout the process, the adjuster will keep you informed of the progress and address any concerns you may have.
If your claim is approved, All Savers will issue a payout based on the terms of your policy. The amount will depend on the type of coverage, deductibles, and any applicable limits. Payouts can be made directly to you or, in the case of repairs or medical bills, to the service providers involved.
All Savers prides itself on efficient claims processing, aiming to provide a hassle-free experience for its customers. However, if you encounter any issues or disputes during the claims process, the company has established procedures for appeals and escalations to ensure fair resolution.
Contact & Locations
All Savers Insurance has its corporate headquarters located at 517 E Pike St Upper Level, City Seattle, State Washington, Zip 98122. Customers can reach their customer service team by calling 1-800-ALL-SAVE 1-800-291-2634 between the hours of 8am and 8pm EST, Monday through Friday.
For those seeking in-person assistance, All Savers has branch locations across the country. Major metropolitan areas with retail offices include New York City, Los Angeles, Chicago, Houston, and Miami. Customers are encouraged to use the location finder on the company’s website to get the address and contact details for their nearest branch.