The beginning of Gainsco Auto Insurance

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Gainsco Customer Service

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Gainsco website

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Gainsco Claims Department

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Gainsco Insurance has been in business for 44 years, founded in 1978. Gainsco was orginailly purchased by State Farm. Gainso Insurance does operate separately, independently from State Farm. Gainsco Insurance offers low priced laibility only policies in 14 different states. For high risk drivers that require an Sr-22 for accidents, or DUI’s, Gainsco Insurance may be a great option for you.

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Pros

  • Offers great rates for high risk drivers
  • Offers Sr-22 filings
  • Offers online quotes
  • Available in 14 states
  • Mobile app
  • Offers a helpful FAQ section on website for customers

Cons

  • Could be better concerning customer service, and claims service
  • Website is somewhat outdated
  • Not as many coverage options as competitors

What coverage does Gainsco Insurance offer?

CoverageWhat this coverage protectsIs coverage required?
Liability coverage- bodily injury and property damageCosts for injuries, a death, or property damage you are at fault for. This is typically required.
Uninsured and underinsured motorist coveragemedical cost, and property damage costs after an accident with an uninsured driver or underinsured driver. Depends on the state you reside in.
Collison coverageCovers losses such as fire, theft, hail, breakage of glass, impact with an animal.A car dealership, or leinholder may require it.
Comprehensive coverageCover losses such as impact with another vehicle, or an object, such as a fence or a tree. A car dealership, or leinholder may require it.
Gainsco Insurance also offers roadside assistance, and rental car reimbursement on policies carrying full coverage. Gainsco does not offer coverage above state minimum limits for the states it operates in. Deductible amounts to choose from for comprehensive and collision are between $250-$1,000.

Gainsco Insurance Discounts

The amount of discounts Gainsco offers is a short list in comparison to other larger insurers. There are no discounts for smart technology, good student, paperless, safe driving, or military discounts.

  • Autopay discounts- via a checking account, credit or debit card.
  • Pay-in-full discount
  • Prior insurance discount
  • Prior Gainsco coverage discount
  • Advance quote/purchase discount
  • Loyalty discount
  • Renewal discount
  • Multicar discount

Gainsco Ratings and Reviews

Gainsco was given a rating of an A (Excellent) from AM best for their specific ability to pay out claims in a timely manner. negative reviews that were reported to the Better Business Bureau were due to poor customer service, long wait times, and responsiveness to basic questions.

Gainsco offers some perks that are worth considering. Gainsco has over 7,000 independent agents. This means more opportunity to save on your premiums going through an independent agent, or an agency. In addition, choosing an independent agent means dealing with a specific person for all of your policy needs. Gainsco offers an app available to download via App Store for iPhone, or Google Play for Android. Gainsco’s website offers helpful tools for online quotes, customer service, some frequently asked questions, and the ability to make your payments online. Gainsco tailors to the spanish speaking community as well. Bilingual agents are available upon request.

Is Gainsco a good insurer?

Gainsco Insurance is considered an average insurer by its customers. Gainsco has great rates for drivers with tickets and accidents, but poor customer service ratings.

Is Gainsco a good option for high risk drivers?

Yes, Gainsco offers great, competitive rates for drivers with accidents, tickets, and drivers that may need a sr-22 as well.

What states does Gainsco offer insurance in?

Gainsco offer auto insurance coverage in 14 different states. Alabama, Arizona, Arkansas, Georgia, Indiana, Mississippi, New Mexico, Ohio, Oklahoma, South Carolina, Tennessee, Texas, Utah, and Virginia.

Last Updated on by Veronica Moss