First Guard Auto Insurance Review

An insurance company intended specifically for truck drivers, First Guard Insurance began with the First Guard Corporation in Detroit back in 1937. Providing a variety of insurance products supporting the then-booming trucking industry, First Guard retains the same integrity and reliability that have made them a major component in the trucking insurance industry for the better part of a century.

That being said, First Guard do not sell any form of personal auto insurance, so you may want to skip them and this review if you are not a professional truck driver.

Innovation as a Business Model

One of the most interesting things about First Guard is the fact that they never rest on their laurels. While they could easily coast on their reputation as a solid truck driver insurance company, they are constantly introducing new products, services, discounts and concepts to the trucker insurance market and cancelling and dropping ideas that aren’t working out so well.

Customer Satisfaction

This constant experimentation sounds like it may not work out very well as it may alienate more customers than it appeals to. However, a recent survey showed an incredible 99% satisfaction rating among the professionals who held an insurance policy with First Guard.

These sort of numbers are just about unheard of in the insurance industry and especially in a professional insurance market.

A big part of their formula for happy truckers may be their policy in regards to phone service. Anybody who calls First Guard will talk to a real person during business hours. They do not even use an automated system to screen calls, rather, they immediately connect callers with a real customer service representative.

Pricing

In that they appeal to professionals, one would expect First Guard to charge a little more as their customers can consider it a business expense. In fact, First Guard’s low, low premiums are a major part of their popularity.

All business done with First Guard is done directly. It is all written directly rather than through agencies and brokers, so if you are trying to find the company through an agent, you will want to stop and just go visit the company’s site or give them a call yourself, instead.

By cutting out the middleman, First Guard keep their company small enough to deal with every customer on a personal level and they keep their costs surprisingly low.

Final Thoughts

First Guard are a legendary trucker’s insurance company for a reason. It is unfortunate that the company does not in fact insure private drivers or people seeking other types of insurance because First Guard’s low cost business model makes for some very happy customers.With immediate personal service, constant experimentation resulting in happier clients, reliable insurance coverage, a wide range of products and polices and low pricing, First Guard are not only one of the best insurance providers around in any market in the industry, but a model upon which all other insurers would do well to base themselves.

If you still need to compare insurance companies for your car, boat, bike or RV, then by all means keep shopping around, but use First Guard as a model for what you are looking for in an insurance company. While few companies can actually attain a 99% customer satisfaction rating while still keeping their costs very, very low, the fact remains that the best insurance companies will at least try their best to match the gold standard set by First Guard Insurance Company.