Security National Auto Insurance Review: Coverage, Discounts & Customer Experience (2024)

If you're looking for auto insurance, it's important to shop around and compare coverage and quotes from multiple insurance companies before you buy.

In this Security National Auto Insurance Company review, you'll learn about how Security National works and what you can expect in terms of policy options, discounts, and more.

In this article

• What is Security National Auto Insurance Company?
• How does Security National Auto Insurance Company work?
• What insurance does Security National Auto Insurance Company offer?
• How to maximize your savings with Security National Auto Insurance Company
• FAQs about Security National Auto Insurance Company
• How to get started with Security National Auto Insurance Company
• Bottom line

What is Security National Auto Insurance Company?

Security National Auto Insurance Company offers auto insurance products in Florida and Texas through its parent company, Bristol West.

As a result, your quote and policy information may list Bristol West as the provider instead of Security National. In fact, in Texas, Security National Insurance Company does business as Bristol West Specialty Insurance Company.

Bristol West was founded in 1973 and offers private passenger auto insurance in 42 states. It's a member of the Farmers Insurance Group of Companies.

Security National Insurance Company is a legitimate insurance company. However, because its coverage is limited to just two states, most drivers in the U.S. won't be able to access its policies.

How does Security National Auto Insurance Company work?

Security National provides insurance underwriting for Bristol West in Florida and Texas. This means that if you apply for an auto policy from Bristol West in one of those states, your application may be underwritten by Security National or one of the insurer's other companies.

What insurance does Security National Auto Insurance Company offer?

Through Bristol West, Security National Auto Insurance Company offers standard auto coverages, plus some optional types of car insurance:

• Liability insurance: This covers the cost of bodily injuries or property damage if you're at fault in an accident.
• Collision insurance: If your vehicle collides with another vehicle or object, collision coverage pays for the repair or replacement of your car.
• Comprehensive insurance: Comprehensive coverage provides protection if your vehicle gets damaged due to events outside of your control. That can include collisions with animals, theft, vandalism, and certain weather events
• Uninsured or underinsured motorist coverage: If you get in an accident where the other person is at fault but they don't have enough insurance coverage — or no coverage at all — this will protect you.
• Medical payments: You can get up to $10,000 in coverage to pay medical bills if you get in an accident.
• Rental reimbursement: If you get in an accident and need a rental car while your vehicle is being repaired, you can get up to $50 per day for 30 days in reimbursements.
• Towing and roadside assistance: If you experience a roadside emergency and need towing or certain other forms of assistance, this coverage will pay the associated costs, up to a maximum listed in your policy.
• Rideshare coverage: If you drive for a rideshare company like Uber or Lyft, you can purchase this protection to extend your policy's coverage to those activities.
• Trailer damage coverage: You can get up to $500 in liability coverage for your trailer, as long as it's attached to a vehicle covered by the policy.
• Permissive user coverage: If you give someone else permission to use your vehicle, they'll be covered under your policy if they get in an accident.

Note that Bristol West also provides other forms of insurance, including life, specialty, and commercial insurance. However, coverages, features, and discounts can vary depending on the state you live in.

How to maximize your savings with Security National Auto Insurance Company

As with any insurance company, Security National might offer some discounts that can help you save money on car insurance. In addition to those, there are other steps you can take to maximize your savings on your next auto insurance policy:

• Take advantage of discounts. Security National might offer a variety of discounts to drivers, including options for multi-vehicle policies, accident prevention courses, homeownership, students away from home, and more. As you go through the application process, speak with an insurance agent to find out which discounts are available where you live and whether you're eligible.
• Shop around. Depending on the situation, Security National may or may not have the best rates for you. Make sure you request quotes from three to five insurers to find the best deal.
• Drive safely. As with any insurance company, filing a claim with Security National could potentially cause your insurance premiums to increase. If you have a safe driving record up until now, work to keep it that way. If you've been at fault in an accident or received a moving violation in the past, take steps to drive more safely going forward.
• Be mindful of your vehicle choice. The more expensive your vehicle is, the more it will likely cost to insure. If you're trying to drive down your insurance costs, consider buying a used car instead of a new one.
• Improve your credit score. In most states, auto insurers use a credit-based insurance score to help determine your policy's rate. If you have bad credit, statistics show that you're more likely to file a claim than someone with good credit, so you may end up with a higher rate. By improving your credit, you can potentially save money.
• Adjust coverage and deductibles. You’re typically not required to buy every type of coverage an insurance company offers. So consider which protections you absolutely need and get rid of the rest. Also, with collision and comprehensive coverage, choosing a higher car insurance deductible will typically result in a lower monthly premium. Just make sure you choose a deductible you can afford if you do need to file a claim.
• Understand other cost factors. There are many different factors that go into determining a policyholder’s auto insurance premiums. Although some may be outside of your control, including your gender and age, others can be modified, such as how much you drive, where you live, the types of security features your vehicle has, and the vehicle itself.

FAQs about Security National Auto Insurance Company

Is Security National Auto Insurance legit?

Security National isn't a household name like Geico and Allstate, but it is a legitimate insurance company. Even if you're not familiar with Bristol West insurance agency, you've likely heard of Farmers Insurance Group, which is Bristol West's parent company.

So if you receive a quote from Security National, know that it is probably legit.

How long does it take to get a policy with Security National Auto Insurance?

Bristol West doesn't specify how long it takes between the time you apply and when your policy will begin. However, in general, you can typically apply for and get auto insurance coverage on the same day.

If you want to get a policy through Security National and Bristol West insurance agency, you can visit the latter's website to start the quote process.

What types of coverage does Security National Auto Insurance Company offer?

The insurer offers several coverage options, including full coverage plus some optional protections. Here's what you can expect from a Security National policy:

• Liability coverage
• Collision coverage
• Comprehensive coverage
• Uninsured/underinsured motorist coverage
• Medical payments coverage
• Rental car reimbursement coverage
• Towing and roadside assistance
• Rideshare coverage
• Trailer damage coverage
• Permissive user coverage

Of course, you may not need all of these protections in your policy. Make sure you consider each one to determine how much coverage you actually need.

How do you contact Security National Auto Insurance Company?

If you need to file a claim, you might need to call Security National's parent company, Bristol West, to start the process. You can reach Bristol West at 800-274-7865. If you have a general question, the insurer's customer service line is 888-888-0080.

Make sure to have your policy number and any other relevant information, depending on why you're contacting the insurance company.

How to get started with Security National Auto Insurance Company

If you're wondering how to get car insurance from Security National, you can request a quote through Bristol West's website. You'll need to provide information about yourself, any other drivers you want on the policy, and the vehicles you wish to insure. Information you'll need includes:

• Name
• Address
• Email address
• Phone number
• Date of birth
• Social Security number
• Year, make, and model of the vehicle or vehicle identification number (VIN)
• Reason for use
• Whether you're currently insured

Requesting a quote online takes fewer than 10 minutes. If you have any questions, you can call 866-228-4622. Or if you'd rather compare quotes from top insurers, you can do so quickly by entering your zip code below:

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Bottom line

Because Security National Auto Insurance Company provides underwriting for Bristol West, you can't request insurance directly through Security National. Instead, you'll apply with Bristol West and the company may use Security National to underwrite your application.

Security National only operates in a couple of states, so unless you live in Florida or Texas, it won't be an option for you.

As with any insurance company, it's important to compare multiple options before purchasing a policy. If you’re shopping around for auto insurance, FinanceBuzz lets you quickly compare coverage from the best car insurance companies to help ensure you get the biggest bang for your buck.