Security National is a car insurance company available in Florida and Texas. It’s a subsidiary of Farmers Insurance, the seventh-largest car insurance company in the country.
If you buy car insurance through Bristol West in Florida or Texas, then your car insurance policy could be underwritten by Security National. Bristol West is part of the Farmers group of insurance companies.
Is Security National a good car insurance company? Should you buy a car insurance policy through Security National? Keep reading to discover everything you need to know about Security National and its car insurance products and services.
Key Takeaways:
Security National is a Florida-based insurance company that underwrites policies for Bristol West Insurance Group in Florida and Texas. Security National, like Bristol West, is a subsidiary of Farmers Insurance. There are two main insurance companies in the United States named Security National. One is a Florida-based car insurance company that underwrites policies for Bristol West and is a subsidiary of Farmers. The other is Security National Life Insurance Company, a life insurance firm selling policies nationwide. The two companies are not related. Security National initially only sold car insurance in Florida. Over the years, however, Bristol West has expanded to offer car insurance in 41 states. Today, if you buy a Bristol West insurance policy in Florida or Texas, it could be underwritten by Security National.
Security National exclusively offers car insurance. The company sells car insurance to meet or exceed minimum liability limits in Florida and Texas. Some of the company’s largest insurance products include: Personal Auto Insurance: Security National offers personal auto insurance policies in Texas and Florida. You can buy minimum liability policies to meet minimum state limits. Or, you can exceed those minimum limits for added peace of mind. Some drivers buy full coverage car insurance with Security National, while others opt for minimum liability insurance. Security National does not sell homeowners insurance, commercial insurance, life insurance, or other insurance products. However, you can buy these insurance products through Bristol West, which provides multiple types of insurance products in most states.
Security National underwrites policies for Bristol West in Texas and Florida. If you buy car insurance through Bristol West in Texas or Florida, then it’s possible Security National is listed on your insurance policy. Security National has underwritten your insurance policy, which means they are your insurance provider. However, you deal with Bristol West for customer service and claims issues.
Liability Coverage: Security National sells car insurance to meet minimum liability limits in Texas and Florida. You can buy bodily injury liability coverage and property damage liability coverage through Security National in Florida. Security National’s liability coverage compensates others for damage you cause while driving. Collision Coverage: Collision coverage covers the cost of repairing your vehicle after an accident. Comprehensive Coverage: Comprehensive coverage covers damages that occur outside of accidents, including fire damage, theft, vandalism, and more. Uninsured and Underinsured Motorist Coverage: Required in some states but not others, uninsured and underinsured motorist coverage covers damages caused by drivers without insurance – or drivers with too little insurance. Medical Payments Coverage: Medical payments coverage, also known as med pay, covers up to $10,000 in medical bills after an accident. Personal Injury Protection (PIP) Coverage: Florida and several other states require drivers to carry personal injury protection, which covers medical bills and other expenses after an accident. Security National offers personal injury protection to meet or exceed minimum limits in your state. Rental Reimbursement Coverage: Rental reimbursement coverage covers the cost of renting a car if your ordinary car is in the shop or unable to be driven after an accident. Towing and Roadside Assistance: Also known as towing coverage, Security National’s roadside assistance coverage covers certain emergency roadside expenses up to a certain limit. Trailer Damage Coverage: If you haul a trailer behind your vehicle, then you can add trailer damage coverage to your Security National auto insurance policy. This covers up to $500 in liability for your trailer whenever that trailer is attached to your insured vehicle. Rideshare Coverage: Drivers who work for Uber or Lyft can buy rideshare insurance through Security National.
Drivers in Florida and Texas have plenty of options for car insurance. What makes Security National unique? Why buy a policy from Security National? Here are some of the features and benefits that make Security National unique: Available Through Bristol West: Security National primarily sells car insurance through Bristol West. If you buy a car insurance policy through Bristol West in select states, then that policy could be underwritten by Bristol West. Subsidiary of Farmers: Security National is a subsidiary of Farmers. The company also underwrites policies for Bristol West, which is part of the Farmers insurance company network. Available in Texas and Florida: Security National is available in Texas and Florida. If you buy an insurance policy through Bristol West in Texas or Florida, your policy may be underwritten by Bristol West. Backed by Major Insurer: Security National is not a household name, and the company remains relatively unknown outside of Texas and Florida. However, the company is a subsidiary of America’s seventh-largest insurance company – Farmers. As a subsidiary, Security National has strong financial strength ratings and the amenities of a large insurer.
Security National makes it easy to save money on car insurance. By taking advantage of discounts, drivers can save hundreds of dollars per year. some of the discounts available through Security National include: Continuous Insurance Discount: Drivers who maintain continuous coverage with Security National could qualify for Bristol West’s continuous insurance discount. Driving Course Discounts: Drivers who complete an approved defensive driving course could save money on car insurance. Homeowner Discounts: Being a homeowner qualifies you for a discount with Security National. Statistically, homeowners are less risky to insure than renters. Multi-Car Discounts: Drivers who insure multiple vehicles with Security National could qualify for additional insurance discounts across all vehicle policies. Safe Driving Discounts: Drivers with a clean driving record for the past three to seven years will qualify for a safe driving discount. Good Student Discount: Full-time high school and college students could qualify for additional savings with Security National by achieving good grades. You must be under 25 and prove your GPA or honor roll status to qualify for the discount. Vehicle Safety Feature Discount: If you drive a car with advanced safety features (like side airbags), then you could qualify for additional vehicle safety feature discounts through Security National.
Security National is not large enough to appear on nationwide rankings, nor is the company rated by J.D. Power, A.M. Best, or other major insurance company ratings organizations. However, as a Bristol West and Farmers subsidiary, Security National offers a similar service to these major insurers. Farmers has a financial strength rating of A (Excellent) from A.M. Best, which assesses the financial strength of insurance companies based on their assets and liabilities. Farmers also has average ratings from J.D. Power for overall customer satisfaction. Farmers scored 815 on a 1,000-point scale for customer service in the latest J.D. Power rankings. That means some customers are satisfied with how Farmers handled their claims, while others are not. Review aggregator website Clearsurance has an average rating of 2.2 stars out of 5 for Bristol West based on 90+ reviews. Because Security National is a Farmers and Bristol West subsidiary, you can expect similar claims satisfaction ratings to Farmers and Bristol West, even if most websites or rankings organizations do not explicitly rate the company.
To get a quote from Security National, visit the Bristol West website and enter your zip code, vehicle information, driver information, and coverage preferences. You can also call Bristol West at 888-888-0080 to speak with an agent and request a quote over the phone. Alternatively, you can use an online comparison tool to compare quotes from Security National and other car insurance companies in your area.
To file a claim with Security National, follow these general steps:
1. Contact Bristol West: Since Security National underwrites policies for Bristol West, you will need to contact Bristol West, the primary point of contact for customer service and claims. You can find their contact information on your insurance policy documents or their website.
2. Report the Incident: Inform Bristol West about the details of the incident that led to the claim, such as the date, time, location, and description of what happened. Provide relevant information, such as the parties involved, witnesses, and any photos or documentation of the damages or injuries.
3. Provide Necessary Documentation: Bristol West will guide you through the claims process and provide instructions on the required documentation. This may include a completed claim form, a copy of the police report (if applicable), photos of the damages, and any relevant medical bills or receipts.
4. Cooperate with the Investigation: Be prepared to cooperate fully with any investigation conducted by Bristol West regarding the claim. This may involve providing additional information, answering questions, or allowing access to your vehicle for inspection if necessary.
It’s important to note that specific claim filing procedures and requirements may vary, so it’s best to consult your policy documents or contact Bristol West directly for detailed instructions on filing a claim with Security National.
To cancel a Security National policy, contact Bristol West and inform them of your decision. You can call Bristol West at 888-888-0080 or send a written notice to P.O. Box 31029, Independence, OH, 44131-0029. You may also be able to cancel your policy online through the Bristol West website or mobile app. When you contact Bristol West, it will help to have your policy number, personal information, and cancellation date ready. You may also need to provide proof of new insurance if you are switching to another provider. It would be best to ask about any cancellation fees or refunds that may apply to your policy.
Security National is a Farmers Insurance subsidiary and underwrites Bristol West Insurance Group policies in Texas and Florida. It offers car insurance coverage that meets or exceeds the minimum liability limits in these states. While Security National exclusively focuses on car insurance and does not provide other insurance products, it provides a range of coverage options, including liability coverage, collision coverage, comprehensive coverage, uninsured and underinsured motorist coverage, and more.