All Star General Insurance Review & Complaints: Auto Insurance (2024)

Premiums
Claims
Feedback
Financial Strength

All Star General Insurance (Personable Insurance) Review

This All Star General Insurance (Personable Insurance) review will provide all the information you need about the company so you can make a more informed decision about the best car insurance coverage for you.

Formerly known as Personable Insurance, All Star General Insurance Agency is a non-standard auto insurance provider. The organization works with partner companies to provide coverage for drivers in California. All Star operates solely in the non-standard auto insurance market, assisting drivers with problematic driving records, bad credit, SR-22s, and other needs that place them in the non-standard market.

All Star Insurance Company is now a part of the Bluefire Insurance Family. Its headquarters is located in Irving, TX.

Ready to compare your current affordable All Star General Insurance (Personable Insurance) rates to other top auto insurance companies? Before jumping into this All Star General Insurance (Personable Insurance) review, start your search for the best auto insurance rates by entering your ZIP code above.

Are the company’s car insurance rates competitive?

The All Star website does not feature online quoting and there are no resources to help visitors find a local agent. This means there is no information on All Star Insurance quotes available online.

As a non-standard insurance company, we would expect the rates here to be high, especially when compared to standard insurers. Odds are good that this company sells a lot of base-level, liability-only policies with the sole goal of meeting state legal requirements.

While the price isn’t always the deciding factor when it comes to choosing an auto insurance policy, it’s usually one of the most important. You can look at the table below to get an idea of what you might pay for auto insurance depending on how much coverage you decide to buy.

The table shows average annual rates based on coverage levels.

Average Monthly Auto Insurance Rates by Coverage Type

These are just guidelines. Actual rates will depend on a variety of factors such as your age, driving history, and even the crime rates in your neighborhood. If you’d like to check out the crime rates where you live, you can visit the online database for the Federal Bureau of Investigations (FBI).

Keep reading to learn more.

What is All Star General insurance availability by state?

Although All Star General Insurance is located in Texas, the company provides auto insurance coverage only in the state of California.

What types of car insurance coverage is offered?

One thing you’ll need to ask yourself before purchasing your auto insurance policy is, “How much car insurance coverage do I need?”

If you’re financing your vehicle, your loan company may require you to carry full coverage insurance. Otherwise, you’ll need at least the minimum amount of liability insurance required by the auto insurance laws in your state of residence, such as California.

If you decide that you require more than the minimum coverage required by your state, there are several insurance options available to you as additional coverage. Take a look at the table below to get an idea of the different types of auto policies and coverage available to you, along with what they do.

Types of Auto Insurance Coverage

Again, these are just guidelines and actual prices will vary, so it’s always wise to compare car insurance coverages and companies before purchasing.

What are All Star General Insurance’s bundling options?

Many insurance providers offer different bundling options. Bundling your insurance refers to purchasing multiple policies from the same company.

For example, you can purchase your auto insurance policy as well as your life insurance from the same company if you choose. Most insurance companies offer a discount of anywhere from five to 25 percent if you choose to bundle.

Many companies offer multi-car discounts, also. You can think of this as a way of bundling as well, but in this case, you’re buying auto insurance for multiple vehicles.

Auto insurance companies offer up to a 25 percent multi-car discount on combined policies.

What are discounts offered by All Star General Insurance?

Generally, your car insurance discounts depend on what each provider has to offer, but many discounts are standard throughout the industry.

The table below shows some of the most common auto insurance discounts available, an estimate of how much money each can save you, as well as the major auto insurance companies that offer the discount.

Common Auto Insurance Discounts Offered by Company

Read more: What do I need to do to cancel my car insurance policy with Esurance?

As you can see, it’s always best to check with your insurance provider to see what insurance discounts are available to you.

What programs are available from All Star General Insurance?

All Star specializes in providing basic insurance policies to high-risk drivers with multiple tickets, accidents, major violations, credit problems, international drivers licenses, and more.

While many drivers seeking non-standard auto insurance choose to purchase basic liability insurance coverage, All Star does offer comprehensive coverage and collision coverage options as well as a few other add-ons.

These include roadside assistance and rental reimbursement, according to what we gleaned from customer reviews. The website, as mentioned above, is dedicated to bringing new agents and brokers on board to sell All Star’s products. As such, it provides very little information that is of any help to the average insurance shopper.

In fact, the website does not even direct visitors to any option for finding a local independent insurance agent.

How can I cancel my car insurance policy?

What should you do if you need to cancel your policy?

Keep reading to learn more.

Is there a refund?

Whether you can get a refund on your policy depends on the type of policy and when you choose to cancel. If you decide to cancel a refundable policy in the middle of the policy cycle, you’ll receive roughly half of what you paid, assuming that you only paid for that cycle.

Since refund amounts may vary and depend on a variety of factors, you should always check with your insurance agent to see what factors apply to you.

How do you cancel?

What should you do if you need to cancel your policy? You can cancel your policy at any time simply by contacting your auto insurance agent and letting them know that you’d like to cancel your policy. Your agent will let you know when the changes will take effect and whether you’re entitled to a refund of any policy premiums you’ve paid in.

When can I cancel?

You can cancel your policy at any time, simply by contacting your auto insurance agent and letting them know that you’d like to cancel your policy. Your insurance provider will let you know what, if anything, is required of you in order to do so.

How do I make a car insurance claim?

The only claims information on the All Star website is listed on the “Contact Us” page of the website; there is no section of the site dedicated to All Star General Insurance claims.

The All Star Insurance LLC Claims Department can be reached using any of the following methods:

• By mail: P.O. Box 141149, Irving, TX 75014
• By telephone: All Star General Insurance/Personable Insurance Company phone number: 1- 800-299-5709
• By fax: 714-509-5606

The website offers no information as to the business hours for the phone and fax lines. The Bluefire Insurance claims phone number is the same as above.

All Star General Insurance/Bluefire Customer Service can be reached at 1-800-202-7827. This is also the All Star General Insurance roadside assistance phone number.

Keep reading to learn more about All Star General Insurance.

Navigating the All Star General Insurance Digital and Technological Features

Mobile App Features and Functionality

All Star General Insurance offers a mobile app that provides policyholders with a range of features and functionalities. Through the app, customers can conveniently access their policy information, view and manage their account, make premium payments, and even file claims. The app is designed to streamline the insurance experience and make it more accessible and user-friendly.

Online Account Management Capabilities

Policyholders can take advantage of All Star General Insurance’s online account management capabilities. Through the insurer’s website, customers can log in to their accounts to review policy details, update personal information, make policy changes, and track the status of claims.

This online portal offers a convenient and efficient way for customers to manage their insurance policies from the comfort of their homes.

Digital Tools and Resources

In addition to the mobile app and online account management, All Star General Insurance provides various digital tools and resources to assist policyholders. These tools may include online calculators to estimate insurance needs, educational articles and guides, and FAQs to address common queries.

By offering these resources, the company aims to empower customers with the information they need to make informed decisions about their insurance coverage.

Are the company’s ratings positive?

All Star General Insurance reviews and Bluefire Insurance reviews are, in a word, dismal. Both All Star General Insurance Inc and the Bluefire Insurance Company hold the lowest possible Better Business Bureau (BBB) rating, an F, with 11 complaints on file for the past three years.

Of those complaints, one was not resolved and two were never responded to by the company. This lack of response has resulted in the low rating. The 18 reviews on Yelp are all scathing, one-star complaints. Reviewers report poor customer service and changes made to policies without notice, as well as denying claims.

All Star still operates its Facebook page under the Personable Insurance name, and there are 11 reviews on that page for an overall 2.1-star review.

To help you minimize stressful situations, we carefully consider companies based on customer satisfaction ratings as reported in J.D. Power’s 2021 U.S. Auto Claims Satisfaction Study.

The Bottom Line

Finding non-standard insurance can be difficult, but the market is growing and there are companies with much better reputations than All Star/Personable out there.

Based on the lack of information and highly producer-centric website, along with the poor ratings and reviews, we suggest drivers who need non-standard auto insurance look elsewhere. The company’s website acts as more of an agent login for Bluefire Insurance, formerly Personable Insurance, than anything else.

If you’re looking for a reliable auto insurance policy that meets your state’s minimums, reach out to Allstar Insurance of Lincoln, NE. Auto insurance is a form of financial protection against theft, collision and liability.

We hope you know everything you need to know about All Star General Insurance company and you’ll feel more confident in purchasing your policy. Which part of this guide was the most helpful for you?

Looking to buy All Star General Insurance (Personable Insurance)? Now that you’ve finished this All Star General Insurance (Personable Insurance) review, enter your ZIP code below and start comparing your current All Star General Insurance (Personable Insurance) quotes to FREE affordable auto insurance quotes from top companies now.