Primero Insurance Review & Complaints: Car Insurance (2024)
Primero Insurance Company writes auto insurance policies in Arizona, Nevada, and North and South Dakota. Primero Insurance Company sells only auto insurance, and you will find everything you need to know about rates and coverage in our Primero Insurance Company review.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
UPDATED: Nov 27, 2023
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Primero Insurance is an auto-only insurance company operating out of North Dakota. The relatively new company provide agent-based service in four states.
What is Primero?
Founded in Spearfish, North Dakota in 2003, Primero was acquired by Fargo insurance company Nordak Insurance in 2014. They operate in both North and South Dakota as well as Arizona and Nevada.
Primero policies are sold through independent agents in all four states, and they recently added the option to quote and purchase an insurance policy online. This new option does not do a lot to improve the dated look of the company’s website, which is in need of an overhaul. They do, however, offer a mobile app that might have a more modern feel.
In addition to needing a new look, the company’s website could use more detail, as there is very little helpful information regarding products and services available to answer any potential insurance questions from customers.
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What auto insurance products does Primero offer?
The Primero website does not describe their auto insurance coverage in any sort of detail, simply giving an overview of general insurance coverage.
Primero offers minimum limits non-standard auto insurance. As a general rule, companies of this size do not offer the trendier policy add-ons like accident forgiveness or driving habits trackers (telematics).
Are the rates competitive?
Primero has introduced online quoting since our last look at the company, but since they do not offer coverage in our usual sample area, we are unable to compare and determine if they have affordable rates. The quoting system does require that the customer enter personal information, including their driver’s license number, to get a quote. As a result of these factors, we did not run sample rates with this company.
Quotes can also be obtained over the phone or by contacting a local agent or insurance representative – the website has an agent locator feature.
We would not expect to see competitive rates from a small company like Primero compared to some of the larger, national direct sales insurers. That said, the personal service of a small company can sometimes make up for higher rates.
Claims Process at Primero Insurance
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
Filing an insurance claim is a critical aspect of any insurance policy, and the ease of this process can greatly impact the overall customer experience. Primero Insurance offers multiple channels for filing claims, providing flexibility to its policyholders.
Whether you prefer the convenience of online submissions, the traditional method of filing over the phone, or the modern approach using mobile apps, Primero Insurance strives to accommodate various preferences.
Average Claim Processing Time
The time it takes for an insurance company to process and settle a claim can significantly affect a policyholder’s satisfaction. Policyholders want their claims handled efficiently and promptly. Primero Insurance aims to provide a reasonable claim processing time to ensure that customers receive the support they need when they need it most.
Customer Feedback on Claim Resolutions and Payouts
Although there is limited information available regarding customer feedback on claim resolutions and payouts, the overall low complaint volume for Primero is a positive sign. With an A+ rating from the Better Business Bureau and minimal complaints across various platforms, it suggests that Primero is generally successful in addressing customer concerns and providing satisfactory claim resolutions.
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Primero Insurance’s Digital and Technological Features
Mobile App Features and Functionality
In today’s digital age, insurance companies are increasingly offering mobile apps to enhance customer convenience and accessibility. Primero Insurance has ventured into the digital realm with its mobile app, designed to provide policyholders with features and functionality that streamline various insurance-related tasks.
Online Account Management Capabilities
The ability to manage insurance policies and accounts online has become a standard expectation for customers. Primero Insurance recognizes this need and offers online account management tools to empower policyholders with control over their insurance matters.
Digital Tools and Resources
In addition to mobile apps and online account management, insurance companies often offer a range of digital tools and resources to assist customers in understanding their policies, making informed decisions, and navigating various insurance-related scenarios.
Are ratings and consumer reviews positive?
Primero has an A+ rating with the Better Business Bureau (BBB), with only one complaint on file in the past three years. That complaint was closed in the past 12 months.
We found very little in the way of reviews of this company. There is one complaint on Yelp referencing the Las Vegas branch of the company.
At first glance, Birdeye appears to have 11 negative reviews of this company, but on further inspection, they actually appear to be the same person posting repeatedly about the same issue. This appears to also be the same person who posted the one Yelp complaint and also matches the complaint with the BBB. That adds up to only one complaint in total across all three sites.
It is common to find very little in the way of reviews for smaller insurance companies, but the low complaint volume here is definitely a positive.
What’s the bottom line?
There is simply not enough information about Primero to make a solid recommendation, but we did not find any red flags either. Those who like to work with an agent and a smaller company might want to consider this company. Those looking for the flashiest and most modern insurance company will probably not be impressed by this company’s web presence and may want to look elsewhere.
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Frequently Asked Questions
How are claims handled by Primero Insurance?
Primero accepts claims via a toll-free number, but it is not specified whether the line is available 24/7 or only during specific business hours. While claims cannot be filed online, they do offer the option to upload photos or relevant documents through a third-party service.
Is Primero Insurance available in all cities within the states they operate?
Primero Insurance operates in Arizona, Nevada, and North and South Dakota. However, it’s recommended to confirm with them or consult an agent to verify their availability in specific cities or regions within those states.
What is the process for filing a complaint or providing feedback about Primero Insurance?
If you need to file a complaint or provide feedback about Primero Insurance, you can reach out to their customer service or contact their claims department. They should be able to guide you through the process and address any concerns you may have.
Does Primero Insurance offer any options for rental car coverage?
The availability of rental car coverage may vary depending on the specific policies offered by Primero Insurance. It’s advisable to review your policy or contact them directly to inquire about rental car coverage options and any associated costs.
How can I make payments for my Primero Insurance policy?
Primero Insurance likely provides various payment options, including online payments, automatic bank transfers, credit card payments, or traditional check payments. Visit their website or contact their customer service to learn more about the available payment methods.
Are there any penalties or fees for canceling a policy with Primero Insurance?
The specific cancellation policies and any associated penalties or fees may vary. It’s important to review the terms and conditions of your policy or contact Primero Insurance directly to understand the cancellation process and any potential costs involved.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.