Glacier Auto Insurance Review (2024): Pros And Cons

Glacier auto insurance review
Table of Contents
    Add a header to begin generating the table of contents

    While Glacier auto insurance might sound new to some, the company has been actively issuing policies to drivers in the Midwest region for over 55 years – with its primary focus on auto insurance.

    Like most auto insurance companies, Glacier makes its auto coverage highly customizable, allowing you to choose and pay just for what you need. Since Glacier operates only in Delaware, Pennsylvania, Indiana, and Ohio, its policy is well-optimized to meet the minimum state requirements of these respective states.

    Glacier provides a range of auto insurance options, including basic to full coverage – for drivers who are considered high-risk due to frequent traffic violations or poor credit history, the company also provides high-risk coverage, otherwise known as non-standard insurance.

    Just to add, if you’re the type that prioritizes discounts when shopping for insurance, with Glacier, you can save up to 10% on your auto insurance when you sign up for a quote. This includes a low down payment and flexible installment options.

    Enrollment is quick and you also get an instant ID card for proof of insurance.

    One slight setback from Glacier insurance is their state availability. The company only sells policies in selected states of the American Midwest region.

    Our review will give you a better understanding of the policy offered by Glacier, including the pros and cons!

    About Glacier Insurance

    Glacier insurance known officially as (Glacier Insurance Company) was established in 1968 and is currently headquartered in Blue Bell, Pennsylvania. Glacier is available in 4 states – initially Delaware and Pennsylvania, until 2022 when it expanded its operations to Indiana and Ohio.

    Currently, the company only has car insurance as its only insurance product.

    Also check our review of » Hugo car insurance

    Glacier car insurance coverage

    Glacier offers a range of coverages for drivers to choose from. Keep in mind that when choosing a car insurance policy, it is recommended you know the minimum coverage that is required from your state.

    For example, if you reside in Pennsylvania, here is the minimum auto insurance you should carry:

    • $15,000 in bodily injury per person
    • $30,000 in total bodily injury per accident
    • $5,000 in property damage per accident
    • First party benefits: $5,000

    In Delaware, the minimum requirements are:

    • $25,000 in bodily injury per person
    • $50,000 in total bodily injury per accident
    • $10,000 in property damage per accident
    • $15,000 per person for PIP
    • $30,000 per accident for PIP

    The above requirements are bare minimum, you can still choose higher limits to enhance your protection depending on what you need.

    The following are coverages provided by Glacier:

    • Liability coverage: This will cover expenses related to bodily injuries you caused to another person while driving. It also includes property damage liability that will pay for damages caused to third-party properties. Pennsylvania’s minimum BI liability per person is $15,000, and $5,000 in PD liability per accident. Note that this coverage will not cover injuries to you or damage to your car!
    • Collision coverage: If your car gets damaged from a collision with another vehicle or object, this cover will reimburse you for the cost of repairing or replacing the car.
    • Comprehensive: Pays to fix or replace your car from damage other than collision. This includes damage from vandalism, fire, hail, falling objects like trees, and even theft.
    • High-risk coverage: For drivers who may not be eligible for coverage from standard insurance companies, you will be mandated to choose the high-risk coverage to legally drive. You will typically pay more for insurance if you fall under this category.

    Also check our review of » Look non-standard auto insurance

    Roadside Assistance

    Glacier roadside assistance add-on coverage can help you out if your car breaks down on the road. Services include hook and towing to any repair facility up to 15 miles away. It also fixes flat tires, battery jump-start, fuel delivery if you run out of gas, and lockout assistance if you accidentally lock your keys inside the car.

    The maximum number of roadside assistance calls you can make is 3 for every 6 months!

    In addition, if you use your car for ridesharing business like Uber and Lyft you can also choose to add the coverage to your policy.

    For more on ridesharing, we recommend checking out our review of Toggle auto insurance.

    SR-22S Filing

    Drivers who have violated traffic rules, or must have had a lapse in coverage could be required to file an SR-22 form. If this is the case, Glacier can submit the form to the state on your behalf.

    Discounts

    Glacier only offers a single discount on auto insurance. According to their website, you can get up to a 10% discount applied to your policy when you purchase a policy with them online.

    Cost of Glacier auto insurance

    The actual cost of Glacier’s auto policy greatly varies. This is mainly because your rates are determined by a whole lot of factors like your zip code, make and model of car, driver profile, including the limits selected, and deductible.

    According to Bankrate, the annual national average cost for full car insurance coverage in Pennsylvania is $2,040, and $2,103 in Delaware. It is somewhat lower in Ohio and Indiana which is set at $1,599 and $1,266 respectively.

    Consumer complaints and reviews

    While you can still find some negative reviews from customers about Glacier on Trustpilot, a good number of them are positive. On Trustpilot, Glacier Insurance has a 4.7-star rating from over 540 reviews. This clearly shows how satisfied users are with their service.

    Glacier review Trustpilot

    Glacier ratings

    Ratings from third-party organizations can also help to assess how good and financially stable an insurance company is.

    Glacier is BBB-rated and accredited with an A+ rating. On Demotech, the company is rated A, which shows strong financial stability.

    • BBB: A+
    • Demotech: A

    Pros and cons

    Pros

    • 10% discount on auto policy
    • Cheap rates with high customization
    • Mobile app

    Cons

    • Limited availability
    • Poor customer service reported by some users

    Glacier Insurance app

    Glacier has a user-friendly mobile app for seamless management of all account-related activities. Policyholders can also make quick monthly payments on the app. It is available on the App Store and Google Play.

    How to get a quote

    • Visit their website online, and enter your zip code in the zip code area
    • The subsequent screens will request certain information from you like, the year, make, model, and body type of your car – enter them accordingly.
    • After this, you can then review your selected coverage and proceed to complete the quoting process.

    You can also call a Glacier customer representative at 1-800-291-3972 to get a better idea of the whole policy.

    Frequently Asked Questions (FAQs)

    How to file a claim with Glacier auto insurance

    To speak with a Glacier claims representative, call 800-394-2423.

    At the same time, policyholders can file a claim by sending an email to claims@glacierinsurance.com. When doing this, include photos and if possible videos of the incident to make your claim concrete.

    Glacier also recommends you add your policy number in the subject line when sending the email.

    How to pay bills or make payments on Glacier insurance

    You can pay your monthly premiums by visiting the online portal. Accepted payment methods are Visa and Mastercard.

    Other payment options include automatic payments by EFT or RCC. You can also send a check or money order to process your payment.

    Does Glacier issue life insurance?

    No. At the time of writing, Glacier only sells auto insurance.

    Is Glacier Insurance legit?

    Glacier Insurance Company has been around for over 55 years. The company is rated A+ by BBB and rated A on Demotech which indicates a strong financial standing. Positive reviews from several customer review sites like Trustpilot say a lot more.

    Is Glacier good at paying claims?

    Yes, based on its financial stability rating on Demotech, you can expect to get your claims paid faster.

    Do I need auto insurance if I don’t own a car?

    Yes, particularly if you regularly drive a car. You will need non-owner car insurance to protect you against liabilities.

    Advertisements
    (adsbygoogle = window.adsbygoogle || []).push({});

    TOP POSTS

    On Key

    More to read