Chubb Auto Insurance Review | the ascent

Main advantages

Solid customer service rankings

Chubb received top marks from JD Power in its Home Claims Satisfaction Survey. It ranked third, with only MetLife and automobile owners receiving higher rankings. The insurer also boasts a 97% satisfaction rate among customers who have made claims. The claims process is made easier because Chubb offers a choice of repair shops.

No limit per day on car rentals

Chubb lets drivers choose a rental car that fits their lifestyle. There is no daily limit and Chubb reimburses up to $15,000 in total for the rental car when a covered vehicle is out of service due to an accident. This means that drivers can drive temporary vehicles comparable to those they own. Rental car coverage is also available worldwide.

Agreed value coverage

Chubb offers agreed value coverage. With this type of protection, the insured and the insurer agree on the value of the car at the time the driver obtains the protection. If the car is written off or stolen, Chubb will pay the agreed sum in advance, regardless of the age or mileage of the car.

What could be improved

Premiums are higher than many competitors

Chubb premiums for a 35-year-old woman with a clean driving record are $424 a year higher than the national average. Chubb also charges higher premiums for drivers with an accident or DUI on their records.

Chubb offers fewer discounts

While Chubb offers industry-standard discounts, such as bundling multiple policies, insuring multiple vehicles, or completing defensive driving lessons, it lacks savings opportunities offered by other insurers. . For example, while Geico offers a new vehicle discount and Progressive offers the ability to save money for online quotes, Chubb offers neither.

Fewer agents than some competitors

Chubb has approximately 8,000 producers worldwide who help customers obtain products and services. In contrast, competitors such as Geico have over 43,000 associates.