top of page

Home / FAQs / Save Thousands on Your Acceptance Car Insurance

Save Thousands on Your Acceptance Car Insurance

Nicholas Hinrichsen - Published: February 15, 2024

You can lower your monthly premium on your Acceptance car insurance and save $1,068 every year / $89 every month through getting a free quote in 2 minutes. You are a great candidate for lowering your insurance premium if (a) you haven’t changed your insurance carrier in the last 12 months and/or (b) if you improved your credit and/or (c) if you paid off your car loan.

Instead of continuing to pay your Acceptance policy why not get a free quote from other auto insurance companies now and save thousands in minutes without any changes to your insurance coverage.

Manage My Acceptance Insurance

Our goal is to help you build financial strength by comparing car insurance companies. We wrote in-depth car insurance reviews so you can compare the different carriers, lower your monthly payments and get the lowest insurance rate possible. If you’re looking for ways to manage your Acceptance insurance, you must be trying to achieve one of the following things:

Manage Insurance / Auto Policy

Go to 'Login' provide Email and Password and you’ll be able to edit, update or change your insurance settings.

File or Manage a Claim

When trying to file or manage a claim, you can select one of four options. File an auto claim, property claim, roadside assistance claim or auto glass claim. On this page, you can also find COVID-19 related questions and answers as well as general FAQs.

Explore Rideshare Coverage

If you want to use your car for ridesharing, your standard Acceptance auto insurance won’t apply. Through a Acceptance ridesharing GAP coverage policy, you can insure yourself while transporting passengers or transporting goods for delivery.

Acceptance insurance offers a number of different methods to manage your insurance policy or pull up your id card via a mobile app:
  • Phone App on AppStore (not available)
  • Android App on Google Play (not available)

If you just want to stay in touch with Acceptance and know what’s going on, connect with Acceptance in one of the following engaging ways:

Cancelling your Acceptance Insurance Policy

You can cancel your Acceptance insurance policy via the iPhone / Android app, the website or over the phone through customer service at (800 321-0899. The whole process will take no longer than 3 minutes.

You might also explain that you're leaving because you're getting lower auto insurance quotes elsewhere. Often, insurance carriers are willing to negotiate when they know they'll lose you otherwise.

Background on Acceptance

Headquartered in Nashville, TN, Acceptance Insurance offers car insurance rates for 'high risk' drivers of any age, license status, driving history and even with poor credit, who are usually expensive to insure and have non-standard needs. In a number of states, insurance premiums are based on a number of factors including our credit rating. Therefore, don't be surprised if Acceptance asks you to consent to a credit record pull before quoting a reliable premium.

During the quote process, Acceptance will help you pick from a small number of discounts. You will be asked about your work, family, life and even how much money you make to determine the optimal offer.

Acceptance Insurance Products

Acceptance has a variety of insurance products meant for the benefit of its members/customers and policyholders. These primarily span across the following categories:

Automobile Insurance: These policies are meant to cover both liability and property damage for owned vehicles. The policies vary widely with regard and you need to pick whatever suits your needs best, e.g. number of miles you drive, whether or not you want collision coverage and comprehensive coverage, whether or not you want rental reimbursement and whether or not you want coverage for underinsured or uninsured motorists. We’ll go into more details and how to obtain car insurance quotes below.

Home and Property Insurance: These policies are meant to cover both liability and property damage for a residents primary dwelling. This includes both renters insurance and homeowners insurance/home insurance, condo insurance as well as coverage for personal property or rental properties including but not limited to boat insurance, personal property insurance, valuable personal property, umbrella insurance etc.

Life Insurance: These policies are meant to give your loved ones financial benefits in the event of your death.

Business Insurance: Business insurances include but are not limited to general liability insurance, commercial auto insurance, commercial property insurance, business owner's policy, professional liability insurance (aka errors and omissions), worker's compensation insurance, inland marine insurance, key person life insurance, home-based business insurance and business interruption insurance.

Other Insurance: Under other insurance, we often find umbrella policies to widen your protection above and beyond your primary coverage as well as flood insurance.

Insurance Contact Acceptance

Should you need to contact Acceptance’s customer service team (be it for to file insurance claims or for general customer service related questions), you have three options to proceed:

  • You can call Acceptance toll-free at (800 321-0899
  • You can email Acceptance by using the email form at the bottom of the Contact US page at
  • You can send Acceptance a letter to Acceptance, 3813 Green Hills Village Dr, Nashville TN 37215, United States

A Acceptance representative will get back to you within 24 - 48 hours.

Acceptance Ratings, Reviews and Complaints

Acceptance has a number of ratings and reviews. The most reliable resources to an independent and unbiased description from customers and employees can be found on the following four pages:

We find that consumers should take these reviews and complaints with a grain of salt. Usually, primarily upset customers feel the necessity of going through the effort of leaving a written review. We therefore recommend looking for patterns within Acceptance’s customer reviews more so than interpreting individual reviews too deeply.

Have you had a negative or positive experience worth sharing? If so, we encourage you to document your Acceptance experience on one of the above pages. Other prospective customers and Acceptance employees will thank you for the transparency and generous use of your time.

Insurance Costs, Quotes and Discounts from Acceptance

Getting a Quote: To get a quote, you can apply directly through Acceptance here. Filling out a quote requires having a Acceptance login and then answering a few basic questions about you, the members in your household, your vehicles, and your driving record. You can receive a quote either online, on the phone, or through a local branch.

Acceptance Auto Insurance Costs: Acceptance proposes to save members/customers an average of $669 when compared to other insurance providers. When independently compared to other insurers (e.g. via US News) Acceptance saved the average member $246 compared to the next best national insurer (Geico). Depending on your driving record, the table below is a great reflection of what costs to expect on average.

6 Month Average Premium Monthly Average Premium
Average Price $556 $46
Driver w/ At-fault Accident $669 $56
Driver w/ Good Credit (670+) $569 $47
Driver w/ Bad Credit (<580) $1,057 $88
Driver w/ Speeding Ticket $571 $48

Insurance Discounts Available: There are several discounts Acceptance offers drivers for the auto insurance policy:

  • Military
  • Multicar
  • Multipolicy
  • Policy renewal
  • Autopay
  • Paperless
  • Having been insured with your previous company for at least six months
  • Homeowner (even if your home isn’t insured by Acceptance)
  • For paying your bill in full upfront
  • For affiliations with certain clubs or organizations
  • Use discount if you allow the company to use telematics to track your driving habits
  • In-agency
  • For signing up for a policy online
  • Advance quote
  • For taking a defensive driving course
  • Good driver
  • Good student
  • Vehicle equipment
  • Low-mileage

Acceptance Bundling Discounts: Acceptance proclaims to offer a discount to members who bundle home and auto insurance policies. To qualify the auto policy must be in place prior to the home policy. It should be noted that some other national insurance companies (such as Allstate) offer discounts of up to . Yet when independently reviewed, Acceptance still often had the lowest cost for bundled home and auto policies.

Other Insurance Brands Related to Acceptance

Acceptance has grown into a huge financial services conglomerate. Brands related to Acceptance include but are not limited to the following:

First Acceptance Corporation.

  • First Acceptance Insurance Company, Inc.
  • First Acceptance Insurance Company of Georgia, Inc.
  • First Acceptance Insurance Company of Tennessee, Inc.
  • First Acceptance Services, Inc.
  • Acceptance Insurance Agency of Tennessee, Inc.
  • Transit Automobile Club.

Questions People also ask about Acceptance

Our goal has been to provide you with a wide range of content so you can learn more about Acceptance without having to browse through different websites. While talking to our insurance customers, we frequently heard and answered the following question about Acceptance:

Who Qualifies for and Should Get Acceptance Car Insurance?

Acceptance membership is to the public. The following list summarize who can join Acceptance auto insurance:

  • We have not seen any restrictions but Acceptance Insurance really is specialized on 'high-risk drivers'
  • SR22, prior DUI, minimum liability etc.

The obvious next question is, who should get Acceptance car insurance? Thankfully, Acceptance, playing off its brand name specializes on a segment of drivers that need some help with their driving record. If you had a prior DUI, accidents or points on your driving record, Acceptance is likely a good fit for you.

If you have a clean driving record or a high financial strength rating (i.e. credit score), Acceptance is probably not the best fit for you. In that case, you should look for car insurance coverage / auto insurance coverage at one of the carriers reviewed below.

Is Acceptance good insurance?

Overall, Acceptance is a top insurance carrier. Acceptance's customer base is known for being very loyal to the brand and taking advantage of the wide range of Acceptance's products and services. Acceptance is a premium product with premium service. If you’re trying to get the best deal on insurance possible, Acceptance is probably not your best choice.

Is Acceptance Flexible With Payments?

The answer is short and sweet: yes, Acceptance offers flexible payment plans. Life can happen and especially during the COVID-19 pandemic, a lot of Americans face competing financial obligations. Acceptance’s flexible payment plans can be tailored to your personal salary or pay-schedule so you never miss a payment.

Acceptance’s standard payment plans are the Six-Month Policy and the 12-Month Policy. On both of these policies, you can choose to either pay 100% of the premium upfront against a discount or pay your premium in monthly installments.

Does Acceptance Offer Accident Forgiveness?

Acceptance will not raise your premium after an at-fault accident if you have been accident free for five consecutive years. Acceptance’s accident forgiveness program is rather generous. Sadly, Acceptance does not offer its accident forgiveness program nation-wide. The following states are excluded from the program, likely for regulatory reasons: California, Connecticut, Delaware, New York and North Carolina.

Other insurance carriers raise your premium significantly when you are involved in an accident caused by negligence. Other insurance carriers are even worse: they won’t accept you as a customer if you don’t have a completely clean accident history.

Compare to other insurance carriers

To make it easy for you, we reviewed a number of carriers in the same format. We find it very hard to compare insurance companies apples-to-apples. Therefore, take a look at our reviews:

Saved money on Acceptance done! Now save on your loan!


Haven't explored refinancing yet? Take a look at our exhaustive article about all the auto refinance companies and you will realize, is the only fully digital platform that lets car owners like you do so from the comfort of their own home. No need to set a foot in a bank or credit union. You can lower your rate or get cash in as little as 20 seconds.

Follow three simple steps to refinance your auto loan, get approved in seconds and save thousands in minutes.
bottom of page