Estrella Auto Insurance Review: What to Know (2024)

While shopping around for auto insurance, have you ever come across Estrella Insurance and wondered if it could be a good option for you? Estrella Insurance has been around for more than 40 years and it has predominantly catered to the Latin America demographic, until it began to expand its consumer-base. Estrella Insurance is only available in select states. Its most satisfied customers are located in the Greater Miami-Dade County and Orlando area of Florida. 

Continue reading to see if Estrella Insurance could be a good auto insurance company for you.

Why Estrella Insurance?

Estrella Insurance has been providing insurance policies for more than 40 years and according to Dun & Bradstreet, the company generates $27.47 million in U.S. sales. But is it right for you? Before you can determine if its auto insurance coverage would be a good fit for your lifestyle, you should know what other car insurance consumers like about the company.

It Is The Number One Car Insurance Company for Latinos

In Spanish, the word “estrella” means star. Since its humble beginning in 1980, Estrella Insurance has been a popular auto insurance company to the Latino demographic. According to a report published by the Bureau of Labor Statistics, the average Latino consumer spends about $865 a year on auto insurance. Estrella Insurance is cherished in the Latino community for its affordable rates, community mindset, and overall service.

Estrella Insurance Offers Customer Service in Two Languages

Estrella Insurance is known for its customer service. The company has agents that are fluent in both English and Spanish. So if you are a Spanish-speaker who would be more comfortable communicating with an agent in your native tongue, Estrella could be the perfect auto insurance company for you.

It Has Low and Affordable Auto Insurance Rates

Affordability matters. Unlike traditional car insurance companies, Estrella Insurance is an auto insurance broker, which makes it unbiased in its recommendations of insurance policies. Since the company have partnered with several other insurance companies, customers love that they can always select the plans offering low and affordable auto insurance rates. 

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How does Estrella auto insurance work?

Since Estrella Insurance is an insurance broker, it acts as a middle-man and connects insurance seekers with the right policy. The company has partnerships with more than 30 insurance companies in the country, so it does the research for its customers and uses that knowledge to assist in helping compare insurance plans to match each individual with the best insurance for their lifestyle.

What does the insurance process look like for an Estrella customer?

The typical process for a new Estrella Insurance customer seeking auto insurance coverage is a three-step process.

• Find and select coverage. A new customer will be connected with an agent who will learn more about the vehicle in need of coverage and what you are looking for in an insurance plan.
• Compare the best auto insurance policies in the market. Based on the information provided to Estrella, insurance agents will provide a few insurance options to compare. 
• Select the auto insurance policy that works best for you. Once the perfect auto insurance policy has been located, Estrella will provide next steps. 

What separates Estrella Insurance from its competitors is that it gives customers the power of choice. With guidance from the company’s agents, policyholders have the power to select the best auto policy that works for them. 

What kind of coverage does Estrella offer?

Estrella Insurance has more than 100 physical brick-and-mortar locations across the United States and the company currently offers insurance policies in six states in the U.S.

• Arizona
• California
• Colorado
• Florida
• Nevada
• Texas

If you are located in one of the six locations that Estrella Insurance services, you can receive three different types of coverage for your vehicle. 

Liability Coverage

Liability coverage can protect you if you are at fault in an accident and injured a passenger. Liability insurance can also help you cover repair expenses for another individual’s car that your vehicle damaged.

Medical Coverage

Medical coverage, also called medical expense coverage, provides assistance for you to pay off your medical expenses or the expenses of a passenger that could have been injured in an accident. If you had to take time off work to heal from your injuries, medical coverage can also help you recover lost wages.

Property Coverage

Property coverage can help you cover repair costs if you have been in an accident. Whether there is damage to a fence that crossed your path or another vehicle, property coverage can help you manage these expenses. While this coverage can help you take care of the damage done to someone else’s property, it typically does not cover the damages done to your vehicle.

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How much does an annual premium cost for a new customer?

Like most insurance rates, the annual premium you can expect to pay depends on several factors. Even though Estrella Insurance is technically not an auto insurance company, there’s no difference. Four of the biggest factors that are commonly used to determine car insurance rates are the age of the driver, the driving history, location, and most importantly, their credit score. Good credit score is determined by any number that is 670, and if your driving history is satisfactory, you can be rewarded with a lower insurance rate.  

Are Estrella Insurance customers happy?

Estrella Insurance reviews in both English and Spanish reveal how customers truly feel about the company. While most of its positive reviews were from Spanish-speaking customers located in Florida, the remainder came from disgruntled users from areas outside the state. One of the company’s reoccurring complaints was that its agents lack empathy and don’t appear to be as attentive as they should be. A customer that is facing the challenges of a language barrier may enjoy the flexibility in languages. But someone that would be more impressed with products or customer service may find Estrella insurance quite underwhelming.

It is safe to say that if you live in the state of Florida, there is a chance you will enjoy this Estrella Insurance just as much as other customers in the area. If you are not located in Florida, Estrella Insurance may not stand out to you as the best option.

What are the steps to filing a claim with Estrella?

Since Estrella Insurance is not an insurance company, filing a claim with the insurance company can be a challenging experience. For starters, there is no quick and easy way to reach out to Estrella Insurance agents regarding claim-related inquiries. If you have any questions about who the best contact would be for your claim, Estrella agents should be able to provide you with more information. 

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An Overview of Estrella Insurance

Estrella Insurance is available in six states, has partnerships with more than 30 insurance companies, and has more than 40  years of expertise. But is the company a good match for your needs? If you live in one of the six areas that Estrella is available, or you are seeking a bilingual staff, Estrella Insurance could be a great option. There are several great advantages to signing up for Estrella Insurance, but there are also a few disadvantages that could deter potential customers. The uncertainty surrounding the claims process is just one reason an insurance seeker may decide to connect with a well-known auto insurance company, instead.

However, if you are attracted to flashy discounts and endless coverage options, Estrella Insurance might not be as appealing as some of its competitors.  

Whether you decide to make the switch to Estrella Insurance or you do not, you deserve to know what insurance rates are on the market. Enter your ZIP code to receive a free car insurance quote today. 

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