- Falcon Insurance: Affordable Car Insurance
- Curious what Falcon Insurance Rates are like? See some sample quotes!
- About Falcon Insurance Company
- Falcon Insurance Company: Coverage Options
- Car Insurance Coverage Required by law
- Does Falcon Insurance Offer Full Coverage?
- Insurance Discounts offered by Falcon Insurance Company
- Why Choose Falcon Insurance for your Auto Insurance Coverage
- Does Falcon Insurance Company Have a website or Utilize a Mobile App?
- Falcon Insurance Company Contact Information And other Helpful Links
Curious what Falcon Insurance Rates are like? See some sample quotes!
About Falcon Insurance Company
If you haven’t heard of Falcon Insurance company, then you need to learn more now. Operating out of Illinois, Oklahoma, Texas, Indiana, Arizona, Colorado, and Utah, Falcon is a unique company that offers insurance coverage to those who might normally be turned down by other well known carriers.
Falcon Insurance Company is especially designed to help the following:
- Drivers in need of an SR22 financial responsibility filing form
- People with multiple accidents, violations, and even DUIs on their record
- Drivers looking for bare minimum liability only insurance.
They are a relatively new company compared to widely known companies like Progressive or Travelers, having been founded in 2011.
Falcon Insurance’s corporate office is located in Oak Brook, IL and has a claims office in Dallas, Texas.
| Better Business Bureau Rating |
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 A+ Rating Accredited since 1/19/2018 |
Falcon Insurance Company: Coverage Options
Falcon Insurance company specializes in auto insurance. Therefore, it is the only insurance product that they offer. You will not be able to obtain home insurance, renters, motorcycle, RV, or other insurance types besides car insurance.
Car insurance coverage types offered by Falcon Insurance Includes:
- Liability: Bodily Injury and Property Damage: This coverage type protects you from financial loss if you are found at fault in an accident. The insurance will pay out (up to the coverage limits you selected) for bodily injury and property damage suffered by the other party.
- Uninsured Motorist Coverage: This protects you if someone else is at fault in an automobile accident, and they do not have insurance. Or helps provide coverage if you are the victim of a hit and run.
- Underinsured Motorist Coverage: Provides coverage if someone else is at fault but their insurance limits are not enough to cover all damages.
- Medical Payments: Also known as medpay, this coverage helps pay for doctor’s or hospital visits, medical bills, funeral costs, etc. for you or any passengers in your vehicle due to an accident. This will pay out regardless of who is at fault.
- Personal Injury Protection: This also provides coverage for medical expenses, and even lost wages. This is required in some states.
- Collision and Comprehensive: Collision coverage will pay out for the damage caused to your car if you hit another car, object, pothole, etc. Comprehensive will cover damage to your vehicle from other non collision events such as theft, hail, windstorms, floods, and more. You must set and pay out a deductible for this coverage.
- Roadside Assistance: Emergency roadside service in the case your vehicle breaks down.
- Rental Car Reimbursement: In the event your vehicle is in the shop due to a covered loss, the company will reimburse you up to a set limit for a rental vehicle.
- Non Owners Coverage: This coverage allows you to drive any vehicle that is not owned by you. If you do not own a vehicle and do not drive a vehicle owned by another household member, this might be a good option.
- SR22 Filing Fee: This is a certificate of financial responsibility that the state might mandate you to obtain.
Car Insurance Coverage Required by law
Each state has it’s own requirements for car insurance. It is crucial you check with your agent to make sure your auto coverage is in compliance with each state.
Falcon Insurance Company operates out of these states, with the following state requirements:
- $25,000 for bodily injury or death of one person in an accident caused by the driver of the insured vehicle
- $50,000 for bodily injury or death of more than one person in an accident caused by the driver of the insured vehicle
- $20,000 for damage to property of another person caused by the driver of the insured vehicle
- Illinois drivers are also required to carry uninsured motorist bodily injury coverage with the same minimum limits as their liability insurance.
Oklahoma:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage per accident
Texas:
- $30,000 for bodily injury or death of one person in an accident caused by the driver of the insured vehicle
- $60,000 for bodily injury or death of more than one person in an accident caused by the driver of the insured vehicle
- $25,000 for damage to property of another person caused by the driver of the insured vehicle
- Texas drivers are also required to carry at least $2500 worth of Personal Injury Protection
Indiana:
- $25,000 for bodily injury or death of one person in an accident caused by the driver of the insured vehicle
- $50,000 for bodily injury or death of more than one person in an accident caused by the driver of the insured vehicle
- $25,000 for damage to property of another person caused by the driver of the insured vehicle
Arizona:
- $25,000 for bodily injury or death of one person in an accident caused by the driver of the insured vehicle
- $50,000 for bodily injury or death of more than one person in an accident caused by the driver of the insured vehicle
- $15,000 for damage to property of another person caused by the driver of the insured vehicle
Colorado:
- $25,000 for bodily injury or death of one person in an accident caused by the driver of the insured vehicle
- $50,000 for bodily injury or death of more than one person in an accident caused by the driver of the insured vehicle
- $15,000 for damage to property of another person caused by the driver of the insured vehicle
Utah:
- $25,000 for bodily injury or death of one person in an accident caused by the driver of the insured vehicle
- $65,000 for bodily injury or death of more than one person in an accident caused by the driver of the insured vehicle
- $15,000 for damage to property of another person caused by the driver of the insured vehicle
- Utah drivers are also required to carry at least $3000 worth of Personal Injury Protection
Does Falcon Insurance Offer Full Coverage?
Yes. Falcon Insurance does offer comprehensive and collision coverage as an option to add on your policy.
However, it should be noted that Falcon’s specialty is affordable liability only coverage for high risk drivers. Therefore, there are some caveats:
- There are stipulations a policy must meet it is even eligible for full coverage
- Comprehensive and collision rates with Falcon tend to be very expensive compared with getting full coverage at another company
- Falcon might choose not to renew your policy at the end of the policy period if you choose to add comprehensive and collision.
Insurance Discounts offered by Falcon Insurance Company
Besides having very reasonable rates, Falcon has some great discount opportunities to further lower your auto insurance premium.
- Homeowners
- Multi-Car
- Transfer
- Paid In Full
Ask your agent if you qualify for any of the above discounts!
Why Choose Falcon Insurance for your Auto Insurance Coverage
There are several reasons why you may want to consider Falcon Insurance auto insurance company:
- They may be more likely to offer you coverage: If you have a poor driving record or other factors that make it difficult to get insurance from traditional companies, a non-standard insurer may be more willing to offer you coverage.
- They may offer more flexible payment options: Non-standard insurance companies such as Falcon may offer more flexible payment options, such as monthly or quarterly payments, which can make it easier to manage your insurance costs.
- They may offer specialized coverage: Non-standard insurers may offer specialized coverage options, such as higher liability limits or coverage for drivers with a history of DUI convictions or other high-risk behaviors.
- They may offer lower rates: While non-standard insurance companies generally charge higher rates than traditional insurers, they may still offer lower rates than other non-standard companies, particularly if you have a good driving record or other factors that make you less risky to insure.
Ultimately, whether you choose Falcon insurance company depends on your individual circumstances and needs. If you have difficulty getting coverage from traditional insurers or need specialized coverage, Falcon may be a good option to consider.
Does Falcon Insurance Company Have a website or Utilize a Mobile App?
Yes! Falcon has a mobile app option for their customer’s to use. They can use it to:
- Make payments
- View policy documents and policy coverages
- File a claim
- Obtain ID cards
For Apple Users: Download Here
For Android Users: Download Here
Last Updated on by Veronica Moss