Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 30, 2020

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Key takeaways...

  • Advocate Insurance Services has been in business since 1995
  • Their personal car insurance policies are meant to cover you and your family
  • They also offer homeowner’s, life, and disability coverage

Advocate Insurance Services is an independent personal and business agency that was formed in 1995.

The company’s works on a client based approach, whereby insurance products are tailored to meet the needs of the clients.

Read this Advocate car insurance company review to decide on the best car insurance company for your needs. Be sure to enter your zip code in above for FREE car insurance quotes!

Table of Contents

Services Offered By Advocate Insurance

Advocate offers a variety of coverage for you and your family. The main insurance products provided by the company include:

  • Auto
  • Home coverage
  • Umbrella
  • Business insurance
  • Boat/recreation vehicles coverage
  • Life
  • Health
  • Disability
  • Bonds services

The company has a personal car policy which can cover the whole family and the vehicles available.

Tailored policies are available for motorcycles, trailers, campers, and car.

Therefore, clients do not have to take a separate cover for their recreation vehicles.

The following are the main covers offered under Advocate car insurance:

  • Comprehensive – Comprehensive insurance cover protects you from losses that occur dues to vandalism/malicious mischief, glass breakage, hail, flood, explosion, theft, earthquake or fire.
  • Collision –This covers your car from damages caused by an object that hits, runs into or rolls over your car. The compensation is the actual cash value of the damage minus the deductible you opted for when purchasing the cover.
  • Underinsured/ Uninsured Property Damage – If your car or other property you have insured is damaged by an underinsured or uninsured driver and requires replacement or repairs, this policy will cover up to the cost of the limits purchased. The compensation is however not applicable to motorcycles.
  • Underinsured/ Uninsured Bodily Injury  If the client or other passengers in the client’s insured car die or suffer injury from an underinsured or uninsured driver, the policyholder will be compensated up to the limits indicated for in this policy.
  • Personal Injury Protection (PIP) – The Personal Injury Protection (PIP) will protect you from expenses that arise in case you or any passengers in your car are injured in an accident. Also, you and the injured passengers will be entitled to a percentage of your gross income should the accident make you unable to work anymore. This option is however not applicable to motorcycles.
  • Bodily Injury and Property Damage Liability – This policy will protect you from liability arising from an accident that caused bodily injury to a third party or property damage.

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Discounts Offered by Advocate Insurance Company

Advocate car insurance comes with many discounts that make it attractive for clients to purchase them. Discounts available include:

  • Mature Driver Discount for those who are 55 years or older
  • Account Discount for customers who also have home insurance cover from the company
  • Good Student Discount for students in high schools or colleges with a B, GPA of 3.0 or better
  • Multi-car Discounts for those who insure more than one car
  • Vehicle Discounts for those who have fitted their car with alarms, 4-wheel anti-lock brakes, air bags and seat belts
  • Experience Discount for drivers who have a good driving history. This discount can reach up to 15 percent

Advocate Car Insurance Company Performance

According to a 2011 report, Advocate is considered a low-risk insurance company.

They seem to have a good customer service record as no complaints have been filed in the Idaho State Insurance Office.

According to Dun & Bradstreet, the company raked in revenues of $350,000 in 2009.

Be sure that you compare any Advocate car insurance quotes that you may have with quotes from other top auto insurers. Just enter your zip code below to get started for FREE!

References:

  1. https://www.esurance.com/info/car/uninsured-and-underinsured-coverage
  2. https://www.nationwide.com/personal-injury-protection.jsp
  3. https://www.progressive.com/homeowners/
  4. https://doi.idaho.gov/