Titan Car Insurance Review | Rates for Insurance | 1-855-283-2631

About Titan

Titan is an affiliate of the Nationwide Insurance Company and markets itself as a discount car insurance provider. Boasting rates as low as $1 per day, Titan offers both personal and commercial vehicle insurance. The organization was founded in Michigan in 1991. It allows its customers to purchase insurance over the phone, through a local agent, or online. Titan’s area of focus seems to be high-risk drivers or drivers required to carry an SR-22. They offer what’s called “non-standard” insurance.

Our Rating

Pros

  • Discounted rates for high-risk drivers

  • Lots of discounts

  • Great for young drivers

What Does Titan Offer?

Titan is focused on providing discount insurance to high-risk drivers. But, they offer a range of coverage options from the minimum legally required coverage to full coverage. Here is a closer look at the various types of coverage available through Titan:


  • Liability coverage: This covers damage you may cause to others if you are at fault in an accident. Liability coverage can pay for the medical costs of those you may injure. It also covers damage to property that does not belong to you. It may cover legal expenses if someone presses charges against you.


  • Collision: If you hit another vehicle, are hit by another vehicle, or your vehicle rolls over, collision insurance pays for damages to your car. If you are financing or leasing your car, you may be required to carry collision insurance.


  • Uninsured or underinsured motorist coverage: Let’s say you are in an accident with someone who does not have insurance or does not have enough insurance. Uninsured or underinsured motorist coverage will pay for damages to your vehicle. It will cover medical costs associated with treating you or your passengers. Sometimes, uninsured or underinsured motorist coverage will also pay for lost wages. This varies from state to state.


  • Medical payment coverage: Medical payment coverage will help cover your medical bills if you are injured in a car accident.


  • Comprehensive coverage: This is sometimes called “non-collision coverage.” It will pay for damages to your vehicle from something other than a collision. Such damages may come from weather events or a break-in.


  • Mexican car insurance: Titan offers auto insurance for policyholders who are planning to drive into Mexico. It does so through the partner organization International Insurance Group, Inc.


Titan also offers the following types of additional coverage that can be added to your policy if desired.


  • Roadside assistance: Roadside assistance coverage allows you to call for help. This is if you are stuck on the side of the road with a problem like a flat tire or dead battery. They also help if you run out of gas or lock your keys in the car.

  • Towing and labor: Let’s say your car is damaged in an accident and cannot be driven to a mechanic. This coverage will pay for both the cost of having it towed and the cost of having it repaired.

  • Loss of use/rental reimbursement: With this on your policy, you will receive a rental car to drive while your vehicle is repaired after an accident.

  • Non-owner: This provides liability coverage if someone other than you is involved in an accident while driving your car. Take note that individuals who live in your household are normally covered whether or not you have non-owner coverage.

  • Special equipment coverage: This protects after-factory additions to your car such as tire rims or a custom stereo system.

  • Accident forgiveness: If you add accident forgiveness to your policy, your premium will not increase as a result of your first at-fault accident while covered by Titan.

  • Personal injury protection: This pays for injuries and sometimes lost wages that occur as a result of an accident. Personal injury protection is sometimes called “no-fault” coverage. This is because it is paid whether or not you were deemed to be responsible for causing the accident.

  • Loan/lease coverage: This pays the difference between what you might owe on your car and what it is worth in the event it is totaled. Loan/lease coverage is sometimes also called “gap coverage.”

  • Accidental death: Let’s say you or someone in your vehicle is killed. You are deemed to be at-fault. Accidental death coverage will pay a predetermined amount for funeral and other expenses.

  • Original equipment manufacturer (OEM) parts: This certifies that your car will be repaired using parts from the vehicle manufacturer after an accident. This assumes the parts are available.

  • Double deductible: This is a unique add-on. It doubles your deductible if a loss occurs during a certain time period. Once the time period has passed, the deductible will return to normal. Selecting this option gives you a lower insurance premium.


Finally, Titan car insurance offers a number of ways to save. The following discounts are available.


  • Mature driver discount: You may be eligible for policy savings if you are an experienced driver.

  • Accident-free discount: This lowers your premium if you maintain a safe driving record.

  • Military discount: Some military service members qualify for lower rates.

  • Multiple-car discount: You will receive a discount if you insure more than one vehicle through Titan.

  • Homeowner discount: You can save on your car insurance premium if you are a homeowner.

  • Farm use discount: Protect agricultural vehicles through Titan and receive additional savings.

  • Advanced quote discount: This is a discount for those who request a quote more than eight days before their existing policy expires.

  • Prior carrier discount: You may be eligible to save if you were covered by another standard auto insurance policy before coming to Titan.

  • Safety feature discounts: You will receive a discount for each of the following safety features that may be installed on your car: ABS (anti-lock) brakes, air bags, or an anti-theft device.

  • Good student discount: If you do well in school, you may be eligible to save on your premium.

  • Association membership discount: There are several clubs and organizations that are recognized by Titan. If you or your spouse are an active member of one of these associations, you will receive a discount.

  • Motor vehicle safety course discount: This is a savings opportunity for those who take a class to refresh their driving knowledge.

  • Electronic funds transfer (EFT) discount: You will receive a discount for paying your monthly bill by automatic electronic funds transfer.

Customer Satisfaction

Titan did not rank among the top 26 car insurance providers in the J.D. Power 2017 U.S. Auto Claims Satisfaction Study or in the top 22 car insurance providers in J.D. Power’s 2017 Insurance Shopping Study.


A 2016 Complaint Ratio Report by the National Association of Insurance Commissioners shows that the ratio of Titan’s U.S. Market Share of closed complaints compared to the company’s U.S. Market Share of premiums was quite high at 2.06. A complaint ratio of 1.0 is considered to be average. 0.0 is considered to be very low. 2.0 is considered to be very high.


The Better Business Bureau, a non-profit that monitors U.S. business performance, gave Titan a C+ rating. An “F” rating is the worst rating possible. An “A+” rating is the best rating possible). However, there was only one complaint lodged against Titan on the Better Business Bureau website at the time of writing.

Claims Processing

Titan does not provide a step-by-step walk-through of the claims process. But, when an accident occurs they promise to work hard to process claims efficiently so that their customers can get back on the road as quickly as possible. Here are a few things to know about filing a claim with Titan.

  • You will need to file your claim over the phone. At this time, the company does not allow claims to be submitted online or in person. However, claims representatives are available 24 hours a day, 7 days a week.

  • To make a claim, Titan recommends having the following information ready: your policyholder card number, your vehicle year, make, model and body style, and the date of the incident.

  • Titan recommends filing a police report after an accident to help them investigate the claim. It is also a good idea to take pictures of the car and the accident site.

  • Once you have started the claims process, a representative in the Claims Service Department can help with calling a tow truck if necessary, renting a car, and arranging repairs (provided these types of coverage are included in your policy).

  • Once your claim has been filed, you will receive a referral number that should allow you to track your claim. Throughout the process, you may call to check in on the status of your claim at any time.

  • If you are filing a broken windshield or glass claim, you will be connected to a representative at Safelite AutoGlass, Titan’s glass claims administrator.

Company Stability

Because Titan is a subsidiary company of Nationwide, their stability is largely tied to Nationwide’s success and interest in maintaining them as an affiliate. Titan received an A+ (Superior) rating from A.M. Best, one of the leading insurance rating agencies in the United States. However, A.M. Best downgraded the outlook rating for Nationwide Mutual Insurance and its subsidiaries from “stable” to “negative” in October of 2017, citing unprofitable trends in underwriting performance and “exposure to natural disasters due to its expansive market presence.”


In 2014, it was announced that Nationwide planned to combine all of its subsidiaries under the Nationwide name. It appears this plan may have been abandoned since as of late 2017, Nationwide continued to operate more than 50 affiliated companies. Whether Titan is eventually rebranded or not, it is likely to remain a part of the Nationwide family of brands. Nationwide is a Fortune 100 company and is one of the largest insurance and financial services companies in the world.

Value for Price

Although Titan markets itself as a “discount car insurance provider,” it is unlikely to offer the most affordable prices on the market for most consumers. However, drivers who are considered to be high-risk may find that Titan’s “non-standard” underwriting offers more competitive rates than other more traditional insurers.


The discount options provided by Titan can also help shoppers save. In addition to lowering rates for good students, mature drivers, and military service members, Titan offers several more unique ways to lower costs such as the farm use discount, prior carrier discount, advance quote discount, and double deductible program. Several of these savings options are uncommon in the insurance industry and especially hard to find in an insurer willing to work with high-risk drivers.

Who is this best for?


Titan’s non-standard underwriting practices allow the company to insure high-risk drivers. Combining that with the company’s discount options makes Titan an attractive option to those with less-than-stellar driving records or those who want to purchase insurance only to meet their state’s minimum coverage regulations.


Titan may be a good fit if any of the following apply to you.


  • You have been convicted of driving under the influence or driving while intoxicated (DUI/DWI).

  • You received multiple traffic violations or speeding tickets in a short window of time.

  • You have previously been uninsured.

  • You were deemed to be at-fault in causing an accident while uninsured.

  • You are a teenager.

  • You have more than six points on your driving record.

  • You require an SR-22 (proof of financial responsibility).


Titan's non-standard underwriting techniques permit the firm to guarantee high-risk drivers. Incorporating that with the business's price cut price options makes Titan an eye-catching alternative to those with less-than-stellar driving documents or those that desire to acquire insurance coverage only to meet their state's minimal defense guidelines. Titan may be a great fit if any of the following associate with you.


Titan clients are unable to file or track claims online, in addition to their website not supplying an extensive evaluation of what to expect in the case process. Some customers have actually reported that Titan continued to bill them likewise after their policies were terminated, as well as others declared the business enhanced rates swiftly after they signed on.


As a subsidiary of Nationwide, Titan supplies non-standard insurance plans to high-risk chauffeurs that experience trouble uncovering insurance protection somewhere else. Titan markets themselves as a price cut insurance policy service provider and likewise makes use of a variety of special discount options, yet they are not most likely to be one of one of the most economical insurance coverage options for those with clean driving documents.


Titan provides protection and also add-ons to receive most types of automobile insurance protection. Pays when you're at error for a mishap that triggers property damages or bodily harm. Crash as well as also comprehensive problems. Pays for troubles to your auto if you hit an added auto or item, as well as damages resulting from fire, flooding, hailstorm storm, robbery or criminal damage.


This accreditation of insurability may be called for after various driving violations or certification suspensions. Titan car insurance coverage was established to market nonstandard vehicles and truck insurance policy for higher-risk licensed operators. Nevertheless, it furthermore uses a variety of strategy alternatives as well as additionally a number of car insurance policy protection price cuts, making it a fantastic option for anyone in its solution location.


This cares for flatbed towing, roadside assistance, full glass substitute and also likewise added components insurance policy coverage. Towing as well as likewise roadside assistance. When you're stuck or stranded, you can obtain compensated for drawing or roadside assist that you pay for cost. This insurance coverage option will provide a rental auto while your vehicle is being serviced after a mishap.


Pays the difference in between what you owe along with the worth of your vehicle if it's amounted to in a problem. Partial insurance coverage in case of an unintentional fatality activated by an accident. Unique equipment insurance policy protection. Insurance policy protection for after-factory enhancements to your vehicle like tailored stereo or auto sides.


Insurance policy protection for licensed operators that don't own the lorry they drive. Titan is an economical auto insurance protection provider that is best known for its low-priced automobile insurance policy plan. Get reduced prices when you insure multiple automobiles with Titan. Obtain a discount rate on your premiums when you remain accident-free.


This Titan car insurance review will talk about the company and why I would go with Titan over all the others. Titan provides coverage and many add ons to support various types of auto insurance. Collision and comprehensive coverage pays for damage to your vehicle that is the result of an accident. Pays whether you are at fault for the accident or not. Comprehensive covers damages resulting from natural disasters like fire.


The problem is that this kind of coverage doesn't pay much. And it's not a good idea to carry less coverage than you absolutely have to. You never know when you'll have an accident. It could be because of heavy traffic on the road, weather conditions like rain and snow or even mechanical problems with your car. A Titan car insurance login that seems affordable might not be at all affordable when you add up the cost of having to pay for repairs.


A Titan car insurance review will talk about a claim-free policy. Most auto insurance companies keep a portion of your claim as a penalty. This can add up to a lot of money over time. A Titan auto insurance login makes sure you won't find yourself paying a penalty for taking care of yourself.


You'll find a high percentage of Titan clients who have found their insurance company online. This is due to the fact that a lot of people prefer shopping online as opposed to calling brokers one by one. When you search for a Titan auto insurance quote on the internet, you get a large number of quotes back to compare. This helps you save both time and money.


Titan's website is jam packed with helpful content. Their customer service page alone is worth the price of admission. In case you want to learn more about auto insurance from an auto insurance review, this is the place to go. It is jam packed with information about this particular company. Titan's willingness to help consumers with their car insurance concerns makes them one of the best companies for your needs.


When you read a Titan auto insurance review, make sure to take everything with a grain of salt. Just because a website has a good reputation does not mean that it's trustworthy. If the web site sounds too good to be true, it probably is. This is not to say that all auto insurance web sites are scams. It simply means that you need to do a little homework before you just jump head first into purchasing auto insurance from any website.


Car buyers have a lot of options when it comes to buying auto insurance. There are many factors to consider when choosing coverage. The age of your car, the amount of miles on the vehicle as well as the financial resources you have available to you can determine what type of coverage you need. Titan gives you an honest look at each type of coverage to help guide you in making the proper choices. They will even give you a quote online, which you can utilize right then and there or get a quote over the phone as well.


If you're looking for a good car insurance review, look no further than a Titan car insurance review. Titan is a leader in the industry when it comes to providing car insurance for consumers. They provide coverage for all types of cars and drive them everywhere. You'll know when you need good coverage or when you don't and they'll get you coverage at an affordable rate.


It's easy for people to get confused when it comes to car insurance. They're not sure what kind of coverage they need or if they should purchase collision or comprehensive coverage. Titan gives you a clear picture of both with their simple and easy to understand policy examples. When you visit their website you'll get information on how to obtain a free quote as well as detailed policy descriptions. It makes sense to use a car insurance comparison website if you're interested in low cost coverage.


You can make a difference when it comes to keeping safe by never driving without enough coverage. Titan gives you helpful tips to keep your driving record clean. It's illegal to drive without enough coverage in many states. So, if you've been a good driver in the past and you haven't got any tickets or accidents, you can relax and drive on the roads knowing that you're covered.


When you use a car insurance review website you get unbiased information. The information is important and it will help you make an informed decision. Titan gives you the most current and useful information available. With a little time you can find a better deal. The time and effort you put into looking for a new policy will pay off in a big way.


Titan Auto Insurance Company has a lot to offer you and your car. They are an Arizona based company that has been around since 1987. There is no doubt that they have the experience needed to provide excellent service. Titan boasts a full selection of auto insurance products including vehicle rental, homeowner's and life insurance. They also offer medical, flood and fire insurance.


Titan offers many types of insurance coverage including homeowners insurance coverage for one, as well as several other policies. There are a lot of reasons why people chose to insure with Titan Auto Insurance Company. Titan offers a very competitive broker fee and this can really add up to some significant savings for a consumer. The brokers of this company do not work for free and this is another reason that it is so valuable to use them. If you do not use their broker fee then you will have to pay this fee out of your pocket. As you can see there are some solid benefits to insure with this company.


Titan offers a low annual mileage rate that will save you some money. This is a great incentive because you can save money on auto insurance premiums when you choose to drive fewer miles each year. By choosing this type of policy you will be able to lower the cost of your premiums by quite a bit.


Travel insurance can be a great way to protect you when taking a trip to an unfamiliar place. Many of these trips will last months and in order to make sure that you are covered when something bad happens you should get a good plan in place. Titan offers a discount hotel resort insurance plan. This plan will be very useful if you want to go to a hotel resort outside of your home country. There are several discounts that you can receive with this plan such as a discount on food and drinks, a discount on entrance fees and many other different discounts. There are certain dates that you can use these policies so you can be assured that you will be covered when taking your trip abroad.


Titan offers coverage for a number of different types of vehicles including cars, SUVs, trucks, buses, and boats. You can get your car insurance through their website so you can be covered anywhere you might need it. The only thing that you need to do is to pick the type of insurance that you would like from the list that is provided on their site. A great benefit about having insurance with Titan is that they also offer travel trailers. If you need to travel in your travel trailer then you can get your auto insurance through them as well.


The internet has made it possible for almost everyone to get their information quickly and easily. You do not have to worry about driving to an agent's office and wait in line for a long time to speak to an insurance broker. You can compare auto insurance quotes right now and find out where you can get the best coverage at the lowest price. Titan has all of the auto insurance rates available online so you do not even have to leave the comfort of your own home to get the best rate.


When you want to save money on your car insurance, you should be aware of any discounts that you may qualify for. If you have not yet had enough coverage or if you are still learning how to drive then it is a good idea to learn more about the various types of policies that are available. Titan gives you all of the information you need to know about all of the different types of policies that are offered so you can make an informed decision when you are comparing car insurance quotes. Titan gives you a discount if you pay your premiums on time each year.


Titan offers insurance agents a bonus when you are a customer of theirs. If you want to go ahead and apply for insurance you will need to find an agent that is working for Titan Auto Insurance Company. In order to do this you will need to look up all of the phone numbers associated with Titan Auto Insurance Company. Titan will give you a phone number to call and you can ask for an insurance quote right away. If you follow these steps you will be sure to save money on the cost of car insurance.

What to look out for


Because Titan is a discount auto insurer, there are several features they do not offer to their policyholders. Titan customers are not able to file or track claims online, and their website does not offer a comprehensive assessment of what to expect in the claims process. Some consumers have reported that Titan continued to charge them even after their policies were cancelled, and others said the company raised rates quickly after they signed on.


Finally, if you have selected Titan as your insurance provider simply to meet minimum state requirements or to get the cheapest insurance possible with a high-risk driving record, your policy will likely provide inadequate coverage in the event of a serious or severe accident.

Conclusion

As a subsidiary of Nationwide, Titan provides non-standard insurance to high-risk drivers who face difficulty finding coverage elsewhere. Titan advertises themselves as a discount insurance provider and offers a number of unique discount options, but they are not likely to be the most affordable insurance option for those with clean driving records. Although Titan customer satisfaction ratings leave something to be desired, they offer a needed service for those with challenging driving records and customers who simply want to meet legally mandated insurance coverage minimums.