If you’re looking for cheap auto insurance, one strategy is to consider local car insurance providers for affordable coverage. Rodney D. Young is an auto insurance company based in Fort Worth, Texas. They offer car insurance coverage in Texas as well as in Arizona, Colorado, Missouri, Nevada, North Carolina, and New Mexico.
Most states require drivers to have car insurance, but it can be difficult to obtain the coverage you need if you have moving violations on your driving record. Some car insurance companies won’t accept applications from high-risk drivers, but you can acquire any necessary coverage with Rodney D. Young Insurance.
Rodney D. Young Insurance is not available nationwide, and the Loya Insurance Group owns this company. You can purchase traditional coverage through Rodney D. Young Insurance. Since the Loya Insurance Group owns this insurance company, you will need to make payments or get quotes through the website of the parent company, Fred Loya Insurance.
Overview of Rodney D. Young Auto Insurance
Founded in 1982, Rodney D. Young is now owned by the Loya Insurance Group. The company specializes in providing insurance to high-risk drivers. You can purchase a car insurance policy with Rodney D. Young if you reside in any of these states:
- Texas
- Arizona
- Colorado
- Missouri
- Nevada
- New Mexico
- North Carolina
If you live outside of Rodney D. Young Insurance’s coverage areas, you can shop online to find the best insurance companies near you. However, it is important to note that since Loya Insurance owns Rodney D. Young Insurance, you will be directed to the Loya Insurance Group website instead.
Rodney D. Young insurance coverage options
Since Rodney D. Young Insurance caters to high-risk drivers, you can expect to have access to standard liability-only and full-coverage insurance policies. However, these policies consist of different types of coverages, and you can examine their details here:
Types of Car Insurance Coverages Defined
| Insurance Coverage Types | Purpose of Coverage |
|---|---|
| Bodily injury liability | Part of your liability coverage that pays for medical bills if you’ve injured someone else in an automobile accident |
| Collision | Covers damage to your car after an automobile accident |
| Comprehensive | Covers damage to your car that happens when you’re not driving |
| Personal injury protection | Covers medical expenses for you or your passengers after an automobile accident |
| Property damage liability | The other part of liability coverage that covers the cost of any property damage you’ve caused in an automobile accident |
| Uninsured/underinsured motorist | Covers the costs if you’re in an automobile accident caused by a driver with little or no car insurance |
Asides from the above, the company also offers a wide variety of policies which are listed below:
- Personal Auto
- Boat/PWC
- Motorcycle
- ATV
- Dirt Bike
- Moped/Scooter
- Snowmobile
- RV/Trailer
- Golf Cart
- Segway
- Commercial Auto
If you enjoy recreational outdoor activities, Rodney D. Young insurance is a good option.
Quotes and pricing
Rodney D. Young specializes in affordable car insurance. The company was founded to offer accessible car insurance to those who have poor driving records. Pricing for Rodney D. Young insurance will vary depending on factors like what car you’re driving and where you live.
Although Rodney D. Young offers affordable insurance for high-risk drivers, those with a clean driving record can still receive the lowest prices. You can get a quote online through Rodney D. Young’s website, although it isn’t the most intuitive or user-friendly page to navigate. If you get a quote online, an agent will be in contact with you regarding the next steps.
Unfortunately, you cannot purchase a policy from Rodney D. Young online – you’ll need to purchase it at a local office or over the phone. Policies from Rodney D. Young are also available through the Fred Loya group.
How do claims work with Rodney D. Young?
If you need to file a claim with this auto the Rodney D. Young Insurance Agency, you have all the standard options.
You can file claims in person, over the phone, or by using the RDY online portal. The company values your time and strives to provide options that make the claims process simple for every driver, regardless of their lifestyle. It’s also easy to get answers to any questions you may have, get quotes, and more because RDY takes customer service satisfaction seriously.
Each auto insurance claim is thoroughly investigated, and then benefits are issued based on the type of collision coverage or other policy insureds signed up for. An insurance broker can help you choose the right policy.
There are multiple types of coverage available from RDY. Car insurance is a general term that refers to the various types of insurance coverage for a driver and their vehicle, as well as the various factors that influence each one of them. Clients are advised to learn more about the different types of insurance coverage to be able to make informed decisions about how to economically protect their families in case of an accident.
The most common types of car insurance coverage include liability, collision, and comprehensive and uninsured motorist coverage.
Under the auto insurance and commercial insurance category, RDY offers property coverage, liability coverage, together with medical coverage. The firm also has homeowner insurance policies that include coverage for liability and damage. The General Liability Protection coverages offered are:
- Property damage
- Bodily injury
- Products-completed operation
- Products liability
- Contractual liability
- Borrowed equipment
- Reasonable Use of Force
- Liquor liability
- Lightning or explosion damage
Rodney D. Young insurance claims process
Ease of filing a claim
When it comes to filing a claim with Rodney D. Young Insurance, the process offers several options for policyholders. You can conveniently file a claim online through their website or use their mobile app. Additionally, they provide the option to file a claim over the phone, ensuring flexibility for their customers.
Average claims processing time
The average claim processing time can vary depending on the nature of the claim and the specific circumstances. Rodney D. Young Insurance does not provide specific data regarding its claim processing times on its website.
To get more accurate information on this aspect, it is advisable to contact their customer service or refer to your policy documentation.
Customer feedback on claim resolutions and payouts
Evaluating the customer feedback on claim resolutions and payouts is essential in assessing an insurance provider’s reliability. Unfortunately, specific customer feedback on Rodney D. Young Insurance’s claim resolutions and payouts is not available on the company’s website.
To gauge the experiences of policyholders in this regard, you may want to consult online reviews and testimonials or reach out to current customers.
Making changes to the insurance policy
Making changes to an auto insurance policy can be difficult with auto insurance companies, but Rodney D. Young makes altering a policy easy for their clients.Â
People can make changes in several areas such as:
- Adding a driver’s license number
- Adding a birthdate
- Add a new telephone number
- Add or remove a lien holder
- File a claim
- Ask for an identification card for an auto insurance policy
- Join the Royal Auto Club
Royal Auto Club membership
When people purchase their auto insurance policies from Rodney D. Young auto insurance company, they may purchase a membership in the Royal Auto Club and receive one month for free. Membership in the auto club entitles them to receive several positive features including:
- Roadside assistance
- 24 hour-a-day service
- Access to the services from anywhere within the United States
Mexico Travel Insurance
When visitors travel to Mexico, they will be required to have a separate auto insurance policy for driving. Rodney D. Young auto insurance company even allows them to purchase auto insurance for traveling within Mexico. Â
The company has auto insurance that all the other auto insurance companies carry, but their convenience makes them different. When people have purchased their auto insurance from this company, they may easily make the changes they need to make for several reasons with no hassle.
Is Rodney D. Young Insurance still in business?
Customers can still find policies under Rodney D. Young. They offer auto insurance coverage based on an annual, semi-annual, and month-to-month basis, so you can get covered for short periods with no contract. The Rodney D. Young Insurance Agency caters to a niche market, but it follows a familiar philosophy for many.
Does Rodney D. Young Insurance offer comprehensive insurance?
The company is known for affordable car insurance. It also provides additional insurance policies and products to its clients, including homeowners and renters policies under the Loya Insurance Group umbrella. The company strives to provide quality services to its customers.
Rodney D. Young has its main office located in Texas while other branches are situated in different states. The company strives to provide better services to its clients through various branches, allowing clients to get personalized top-notch customer service from a local company agent. Having stores scattered across the country in states like Missouri, New Mexico, Texas, Nevada, and Colorado helps make this goal a reality.
Despite the hike in auto insurance rates in the market, the Rodney D Young Insurance Company has maintained affordable auto insurance options. The insurance firm does not discriminate in the way they charge an insurance premium to their customers. More affordable insurance coverage is the primary goal of the insurance company, even for high-risk drivers. Services offered by RDY include:
- Homeowners insurance
- Commercial auto insurance
- Mexico travels insurance
- Auto insurance
Clients located in Texas are allowed to take advantage of the travel insurance to go on vacations across the border to Mexico without any restrictions. Policyholders can talk with employees and pay their premiums in person at a local store if they want. They can also contact the company through their website by filling out an electronic form, or by phone.Â
Rodney D. Young Insurance pros and cons
| Pros | Cons |
|---|---|
| Affordable policies for high-risk drivers | Not available in every state |
| All policies meet the minimum requirements for your state | Customer service is not 24/7 |
| Online quote comparison tool available | Spotty customer service record |
| Small down payments required | Not rated by AM Best |
| Convenient monthly payment plans | Mediocre customer reviews |
Is Rodney D. Young the right insurance company for me?
Rodney D. Young could be a good insurance choice for you if you live in one of the states they offer and are looking for affordable insurance. Although they don’t offer as many add-ons or benefits as other insurance companies, their rates are very competitive. They are a particularly good option for those who require SR-22s or have a rocky driving record.
They are also a good fit for young people on a budget who might otherwise have a hard time getting an insurance policy they can afford.
However, it’s important to be aware of the limitations of Rodney D. Young’s insurance policies. They don’t offer 24/7 customer service, and although they have a website, it doesn’t have the full functionality of many larger insurance companies. If you use Rodney D. Young’s insurance, you won’t be getting the great customer service that you would expect from larger insurance companies.
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