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Zenith Auto Insurance Review

Background Information

Highway CarsZenith National Insurance Corporation is a subsidiary of Fairfax Financial Holdings and Zenith National is a holding company for Zenith Insurance Company and its other subsidiaries, which includes ZNAT Insurance Company.

While Zenith started out as a company specializing in workers’ compensation insurance, it has added auto insurance to its list of products. Zenith operates in 45 states and the District of Columbia by means of independent insurance agencies. See how their rates stack up by entering your ZIP code in our car insurance comparison tool and receive numerous car insurance quotes for FREE.

Zenith enjoys very good ratings from all the major rating providers. A.M Best Company gives them an A, Standard & Poor’s Rating Service gives them an A- and they get an A3 form Moody’s Investors Service. The services use quantitative financial performance of the company like their profit margins, financial leverage, liquidity, cash flow, capital and surplus rations to determine the ratings.

Qualitative judgments are also factored into the rating, taking things like the underwriting cycle, regulatory and political factors, reserves, accomplishments, and numerous other points to come up with the final rating. See our other car insurance reviews to see how Zenith Auto Insurance compares to other car insurance companies.

Zenith Auto Insurance

Zenith insurance

Zenith is able to provide its customers with any type of auto insurance that they desire. While the mandatory cover is available for all desiring it, there is additional coverage like accidental damage, windscreen cover, legal fees, liability costs and others depending on the conditions outlined in the policies. Drivers with valid licenses and up to eighty years are eligible for coverage, provided they drive vehicles that are not older than twenty years. Some of the covers available include:

  • Commercial vehicles that require comprehensive or third party coverage; this can include fire and theft. There are discounts available for miles and if desired, cover for foreign travel can also be provided.
  • Zenith car insurance can also provide motorcycle insurance. The risks are determined according to the driving experience and vehicles with security systems are given discounts. Due to the higher risks involved with motorcycles, riders with spotless licenses can get reduced premiums.
  • Zenith also offers insurance coverage for taxis. They are ready to accept the risk for drivers who have driving experience of three years and drive cars that are under ten years old. Policies can be taken for as little as three months, but the rates for short term policies may be higher.

Zenith provides families with many options and ways to get car insurance discounts. Qualifying households can make use of multiple car insurance policies, rather than having individual policies for each car. This way, all family members with valid licenses will have the required coverage for themselves and their vehicles.

People over fifty years can enjoy reduced premiums, provided they possess unblemished licenses. Additionally, if a car is used infrequently, an option of specialist insurance, which comes with reduced premiums, is available. At Zenith, it is also possible to insure a car for a very limited amount of time.

Online Quotes Key to saving money

There is a very wide range of auto insurance policies available in the market today. One can choose from liability, crash, comprehensive, underinsured, recreation, uninsured and a host of others. In addition, there are hundreds of insurance providers. It is now a common practice for many insurance businesses to provide quotes free of cost. One can call over the phone or just search online to get a quote.

Shopping online is a powerful tool available to the consumer in this age of technology. The same auto insurance policy will vary in price significantly from one provider to another. One reason for this is that different providers assess risks using different set of criteria, so the final cost of premiums is different.

One of the criterions used to determine the cost risk for an individual requesting a quote is the area in which he lives. If one company has had many claims in that area they will give a higher quote, while another company may not have had that many claims filed from that area and so their quote will be lower. Enter your ZIP code into our FREE car insurance comparison tool to receive the best car insurance quotes for your needs.

This is why it is vital to get quotes from several companies before signing up with any one company. It is critical, however, to ensure that the coverage is equal and the quotes are valid for the same length of time. The extra effort pays off with big savings in the end.

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