Stonewood Car Insurance Services Review & Complaints

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

Company	Average Annual Full Coverage Rates
Allstate	$2,432
Farmers	$2,414
GEICO	$1,755
Progressive	$1,850
State Farm	$2,298
Stonewood Insurance	$2,095

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.

Driving Violation	Average Annual Full Coverage Rates
Clean Driving Record	$2,065
Speeding Ticket	$2,885
Accident	$3.412
DUI	$4,988

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

Auto Insurance Types	Purpose of Coverage
Bodily injury liability	Pays for medical bills if someone else suffers an injury in an accident caused by you.
Collision	Covers damage to your car after an accident.
Comprehensive	Covers damage to your car when you’re not driving.
Personal injury protection	Covers medical expenses for you and your passengers after an accident.
Property damage liability	Liability coverage that covers the cost of any property damage you’ve caused in an accident.
Uninsured/underinsured motorist	Covers the costs if you’re in an accident caused by a driver with little or no car insurance.

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

Auto Discount	Discount Eligibility
Accident-free	Drivers with no accidents in the past three to five years.
Anti-lock brakes	Cars with factory-installed anti-lock brakes.
Anti-theft	Vehicle has an anti-theft device installed.
Defensive driving	Completed approved defensive driving course.
Good student	High school and college students that maintain a 3.0 grade point average or better.
Homeowner	Insured owns a home.
Low mileage	Driving 5,000 to 15,000 miles per year.
Multi-car	Insure more than one vehicle with Stonewood Insurance.
Multi-policy	Carrying more than one type of insurance with Stonewood Insurance.
Paid in full	Pay for your whole policy in one payment.
Safe driver	Display safe driving habits, like having passengers wear seat belts, low driving speeds, and less aggressive driving.
Student away at school	College-aged children that attend college over 100 miles away and leave their car at home.

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.

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.

How can you file Stonewood Insurance Services claims?

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.

Customers can also use their Stonewood Insurance login to access a claims form on the company website. The online claims link sends visitors to another page where they’ll select the company that provided their coverage.

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.

How can you make Stonewood Insurance Services payments?

Customers that buy Stonewood Insurance Services car insurance can make payments online or by phone. The insured portal on the company website allows customers to choose a payment option and set up a payment schedule.

If you prefer to pay over the phone, you can call the company to make a Stonewood Insurance payment. The phone number depends on the policy number associated with your account. The payment phone numbers are:

• Policy numbers starting with GSP: 866-204-1816
• Policy numbers starting with 1058: 800-824-5130

These numbers connect customers with the company’s automated payment center, which is available 24 hours a day.

How can you contact Stonewood Insurance Services?

Customers that wish to speak with a representative for further information can call Stonewood Insurance customer service at 800-396-1485. Additionally, if the company requires documentation for your claim, you can send it through fax or mail. The company’s fax number and email address are:

• Fax: 916-636-0143
• Email: [email protected]

While you can fax or email the company at any time, representatives are available to receive phone calls Monday through Friday between 8:00 a.m. and 6:00 p.m.

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.