Stonewood Car Insurance Services Review & Complaints (2024)

When examining the best insurance companies, you’ll find that Stonewood Insurance provides coverage through Mapfre subsidiaries. The company focuses on non-standard coverage and has been rated an A by A.M. Best.

Discovering more about Stonewood Insurance Services will help you decide if the company is a good fit.

Before starting this Stonewood Insurance Services review, enter your ZIP code to get free car insurance quotes in your area.

Does Stonewood Insurance Services have competitive rates?

The best way to determine if a company has competitive rates is to compare car insurance companies. Since Stonewood Insurance primarily provides coverage for drivers in California, the best way to judge the company is to look at rates in that state.

The following chart shows how Stonewood Insurance’s full coverage policies compare with California’s cheapest auto insurance companies.

Stonewood Insurance Services Average Annual Full coverage Rates vs. Other Companies in California

As you can see, you can find affordable Stonewood Insurance Services car insurance quotes when comparing the company with competitors. While Stonewood isn’t the cheapest, the company has lower rates than Allstate, Farmers, and State Farm.

While comparing rates is an excellent way to determine the most cost-effective option, there are other aspects to consider. Insurance companies use various factors to determine rates and differ on how these factors affect cost. Some of the factors taken into consideration include:

• Age
• Gender
• Driving record
• Location

For Stonewood, which focuses on high-risk drivers, knowing how violations affect rates will help you determine if coverage is affordable. The following chart shows the average annual Stonewood Insurance Services car insurance rates for a full coverage policy based on violation in California.

Stonewood Insurance Services Average Annual Full Coverage Rates by Violation in California.

As you can see, the average annual rate for a driver with a checkered driving history is higher than for someone with a clean driving record. Additionally, speeding increases rates less than an accident or a DUI.

What coverages are provided by Stonewood Insurance Services?

The cost of coverage is a common way to decide on a car insurance company, but customers should consider other things. For example, ensuring that a company has the standard coverages assures you’ll have coverage for any incident.

Stonewood Insurance provides coverage through Mapfre Insurance subsidiaries. As a primary insurance provider, Mapfre and its subsidiaries offer all of the standard types of car insurance.

The following table shows the standard coverage provided by Stonewood Insurance and Mapfre.

Stonewood Insurance Services Car Insurance Coverages

In addition to Stonewood auto insurance, the company also provides renters insurance, dental insurance, and pet insurance.

What discounts are available from Stonewood Insurance Services?

As previously mentioned, car insurance can get expensive for high-risk drivers. Fortunately, most car insurance companies offer discounts that allow drivers to lower their rates. Combining as many discounts as possible will help you find the cheapest coverage.

Since Stonewood Insurance focuses on high-risk drivers, most customers will experience higher rates. As a result, they’ll need to obtain as many discounts as possible. The deals provided by insurance companies depend on several factors, including:

• Driving history
• Lifestyle
• Other insurance
• Schooling

The following table shows the most common Stonewood Insurance Services car insurance company discounts.

Stonewood Insurance Services Auto Discounts

When inquiring about coverage, ask a representative about available discounts to ensure that you get the best possible rates.

How is Stonewood Insurance Services rated?

Several organizations review and rate insurance companies. Credit rating agencies compare companies based on their financial strength, and the Better Business Bureau (BBB) rates companies on their business practices.

Ratings from credit rating agencies allow customers to determine if they’ll receive a payout when they file a claim. However, examining BBB ratings enable drivers to determine how transparent and trustworthy companies are with customers.

Stonewood Insurance has been rated an A by A.M. Best, the most trusted credit rating agency. This rating is excellent and indicates that the company will pay customers whenever they file a claim.

While the Better Business Bureau hasn’t reviewed Stonewood Insurance, it has reviewed Mapfre. Mapfre Insurance has an A+ rating from the BBB, indicating that the company is transparent and trustworthy when dealing with customers.

Stonewood Car Insurance: Your Hassle-Free Claims Process Partner

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Stonewood Insurance allows customers to file claims online or by phone. Customers who prefer to file by phone can call the number associated with the prefix on their policy number. In most cases, customers will call 1-866-494-1610, but the website provides the correct number for all policies.

Stonewood Insurance Services offers convenient options for filing claims. Customers can choose to file a claim online through the company’s website or via phone. The online claims filing process is user-friendly and can be accessed through the customer’s online account. Alternatively, customers can contact the company’s claims department over the phone to initiate the claims process.

When calling to file a claim, a representative will ask specific questions about the incident, schedule an inspection of the vehicle, and estimate the cost of repairs. Customers can choose a repair shop, or the representative can arrange one.

Average Claim Processing Time

The average claim processing time with Stonewood Insurance Services can vary depending on the complexity of the claim and the availability of necessary documentation. Typically, the company strives to process claims efficiently to ensure that customers receive prompt assistance.

However, specific processing times may vary, so it’s advisable for customers to inquire about the estimated processing time when filing a claim.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback on claim resolutions and payouts with Stonewood Insurance Services can provide valuable insights into the company’s performance in this regard. While Stonewood has been rated “A” by A.M. Best, which indicates a high level of financial strength, it’s essential to consider the experiences of actual policyholders.

Elevate Your Coverage With Stonewood Car Insurance’s Cutting-Edge Digital and Technological Features

Mobile App Features and Functionality

Stonewood Insurance Services offers a mobile app that provides policyholders with convenient access to their insurance information. The app may include features such as the ability to view policy details, make payments, and even file claims directly from a mobile device. Customers can take advantage of these features to manage their insurance policies on the go.

Online Account Management Capabilities

Policyholders with Stonewood Insurance Services can enjoy robust online account management capabilities. This includes the ability to log in to their accounts through the company’s website and access a range of self-service options.

Customers can update their personal information, review policy documents, and make payments online, enhancing the overall convenience of managing their policies.

Digital Tools and Resources

In addition to the mobile app and online account management, Stonewood Insurance Services may offer digital tools and resources to assist customers in understanding their coverage and making informed decisions. These tools could include educational resources, coverage calculators, and FAQs, all of which contribute to a more transparent and user-friendly insurance experience.

Does Stonewood Insurance Services have good reviews?

While ratings provide a look into the quality of service drivers will receive from insurance companies, complaints show the experience others have had with the company. Several websites allow customers to list reviews about companies.

As previously mentioned, the BBB hasn’t reviewed Stonewood Insurance but has reviewed Mapfre. The company has received 50 complaints during the past three years. Nearly all of these complaints are about the company’s services and billing practices.

Stonewood Insurance does have a Yelp page and has 95 reviews. However, the company’s average rating from customers is one out of five stars, indicating that most customers are unsatisfied with their experience.

Read more: Stonewood Insurance Review & Complaints: Car Insurance

Stonewood Insurance Services: The Bottom Line

Stonewood Insurance Services underwrites car insurance plans provided by Mapfre Insurance. The company focuses on high-risk drivers in California and has competitive rates. Additionally, customers can combine various discounts to lower their rates further.

Learning more about Stonewood Insurance Services will help you decide if the company is a good fit for your car insurance needs.

Now that you know about Stonewood Insurance Services, enter your ZIP code to find free car insurance rates in your area.