Delta Auto Insurance Review

Delta Auto Insurance have a long and storied history in their hometown of Houston, Texas going all the way back to 1959. Having survived several recessions and keeping generally positive customer satisfaction ratings and earning high marks from several reviewers, it’s no wonder they’re such a popular choice for drivers in the Lone Star State.

Products Available

One of the first places to look when comparing auto insurance companies is of course their line of auto insurance products that they offer to the general public. Delta Auto Insurance scores high marks in this area for their wide range and versatility.

Offering products to both the private and professional sectors, Delta offer everything from trucking insurance to family SUV insurance. If you drive it, chances are Delta has a policy to cover it.

Money Matters: Pricing and Protection

One of the weird quirks about Delta is that they are both an auto insurance provider and an insurance brokerage company. The strange thing about this is that you can often get lower rates by buying your policy through the brokerage end of their business rather than going straight through the company itself.

An odd quirk, but it may well result in lower prices, so there’s little reason to complain, especially considering how competitive their rates really are.

Offering some of the best possible rates in the country, Delta provide their customers with personal polices covering up to a quarter million dollars in protection with no credit check required. While these policies are usually offered to home owners, it does show just how far their coverage can go at a low cost and with no credit check.

Umbrella coverage can cover up to $50 million in damages overall, which is, again, much more than most people reading this will ever need, but it is comforting to know that your insurer can offer so much for so little.

Coverage for the Uncoverable

One of the most interesting things about Delta is their willingness to cover people that other insurance providers wouldn’t touch with a ten foot pole. For instance, Delta often cover people who have had major traffic violations such as people who have driven drunk and drivers with bad credit. Customers that have trouble finding coverage elsewhere flock to Delta.

Customer Service

While Delta is a very large company and often leaves you with a machine instead of a person when you call regarding a claim, they more than make up for it with an open ended and very versatile system, accepting claim filings through email, the web, telephone and in person.

When you make your claims at the Delta General Agency Corporation website, you will find several phone numbers and email addresses to get you in contact with your insurance provider immediately. You can also pay your bill or receive your claims payment through faxcheck or ePay among other options.

All of these options may seem a bit overwhelming, bu when you’re making a claim, you’ll be glad that you have so many different roads to go down.

Rating and Ranking the Company

AM Best currently places Delta at an A-, which is only two spots below their best possible rating. Categorized financially at a IV rating, Delta is estimated to have holdings of five to ten million dollars.

Driving With Delta

Delta’s reputation in Texas is beyond reproach in the eyes of many drivers. Their coverage is pretty much exclusive to Texas, but if you live outside of the Lone Star state, you may well want to keep Delta in mind not as a possible insurer, but as a model to hold other insurers to as you go about your comparison shopping routine. When in doubt, just ask “What Would Delta Do?” and you’ll have an idea of which insurers to mark off of your list and which to keep.