Best Cheap Car Insurance Companies that Accept Branded Titles (2021)
Finding car insurance companies that accept branded titles is challenging since most do not. Buying a car with a branded title is a more economically beneficial choice compared with buying a new car, but doing so may raise your monthly insurance rates. For the best rates, compare quotes from car insurance companies that accept branded titles and those that do not.
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UPDATED: Sep 24, 2021
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- There are some car insurance companies that accept branded titles
- Buying a car with a branded title may initially be cheaper than buying a new car
- The car insurance companies that accept branded titles may also offer increased monthly rates
Purchasing a used car is often more economical than buying a brand new one, but it comes along with risks. Among these risks is buying a car that has a branded title.
A branded title signifies that a car has previously been involved in a major accident or has suffered serious damage of some sort. Even if the car has been well-repaired and restored to perfect condition, the insurance company can still change its title.
The insurance company may view the previous damage to the vehicle as potential claims from malfunction, which is reflected in higher rates.
Even with added risk, there are many auto insurance companies that accept branded titles.
Keep reading to learn more about the best car insurance companies that accept branded titles and car insurance companies that don’t accept branded titles.
Before jumping in, enter your ZIP code above to compare free quotes from car insurance companies near you today.
Are there car insurance companies that accept branded titles?
The quick answer is yes. There are car insurance companies that accept branded titles, but not without increased car insurance rates. Car insurance companies that offer liability insurance for branded titles include:
- General Insurance
- 21st Century
- National General
- The Hartford
Most car insurance companies don’t accept branded titles without hesitancy as these vehicles present more risk than new cars or cars without branded titles.
If a car has a branded title, it has sustained significant damage that resulted in the car insurance company changing its title forever. There are a few different types of branded titles, including salvage titles and rebuilt titles.
A salvage title is given to damaged vehicles that are declared a total loss by the insurance company that paid a claim on them. However, a rebuilt title is given to a totaled vehicle that has since been fully repaired to a working condition.
Other types of branded titles include:
- Odometer Rollback
- Water Damage
- Hail Damage
Can you get insurance on a salvage title?
There are insurance companies out there that offer liability insurance on branded titles. However, expect there to be a reflection of the car’s history in your insurance rates.
Regardless of which type of brand a car has, be sure to compare car insurance rates from multiple companies before you decide on a policy. Your age, driving record, and ZIP code could save you money on your branded title car insurance rates with different companies.
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How can drivers with branded titles save on car insurance?
Even if a car with a branded title has been fully repaired, there are still risk implications that leave insurance companies a little wary. Fortunately, there are ways to save money on car insurance for rebuilt titles or other branded titles.
Before you buy a car with a branded title, have it inspected by an independent mechanic who will run its VIN for repair records to see what work was done. This will help you to know whether the car is worth the purchase and increased rates or not.
Another option is to look into what car insurance discounts you may be eligible for that can alleviate any heftier rates or added costs. Car insurance companies offer a wide variety of discounts that some drivers are unaware of.
You may also choose to get a salvage title changed to a rebuilt title. There are specific steps for how to get a salvage title cleared that vary widely from state to state. Usually, it involves a lot of paperwork and inspections.
Regardless of what you choose, the best way to get affordable car insurance for branded titles is to shop around. Comparing car insurance rates from multiple companies helps you find the best companies for you.
How to Find Affordable Car Insurance Companies That Accept Branded Titles
Finding car insurance companies that accept branded titles requires a lot of effort and may result in higher rates. However, there are plenty of options for you to choose from that will potentially lower your rates and save you money.
These options include having the car looked over by an independent mechanic before buying it, seeking out car insurance discounts, or changing your car’s salvage title to a rebuilt title.
Although there are financial and economic benefits to buying a branded car, doing so requires more effort and knowledge about cars. It can be a wise decision if you are willing to put in the necessary work.
Before you decide to buy branded title car insurance, shop around. Compare car insurance quotes from multiple car insurance companies that accept branded titles and ones that do not. You might find a reputable provider that can offer you more affordable rates.
Start your search for affordable auto insurance companies that accept branded titles today. Enter your ZIP code below to compare quotes from companies in your area for free.