Pronto insurance review 2023

Pronto car insurance

Based on Bankrate’s Pronto Insurance review, the company could be a good option for car insurance if you are a high-risk driver. However, you must live in California or Texas to get a policy. The carrier specializes in non-standard auto insurance and offers three tiers of coverage: Essential, Comprehensive and Alternative, which is a non-owner’s liability policy. Pronto sells all the basic coverage types you might expect, and offers SR-22 filings, personal injury protection (PIP), custom equipment coverage and towing coverage, depending on the package you purchase. Pronto car insurance uniquely offers one, two, three, six and 12 month terms, so you can choose the length of policy that works best for you. If you need coverage to drive in Mexico, Pronto can help with that, too.

Pros and cons of Pronto car insurance

Pronto might be a good fit for some drivers, but it isn’t the most robust insurance carrier we reviewed. Here are some perks and drawbacks of Pronto car insurance:

Pronto car insurance cost

Your rates with Pronto will vary depending on if you live in California or Texas, which policy type and term you choose, your driving history and the specific details of your policy. Remember that if you are a high-risk driver, cheap car insurance will be relative; you’ll likely pay higher rates based on your driving history. Contact Pronto for a car insurance quote to know how much your policy will cost.

Pronto car insurance discounts

One of the downsides of Pronto auto insurance is that it does not offer as many discounts as some of the best car insurance companies, and none of the discounts offered are particularly unique.

Any time you are shopping for car insurance, it can be a good idea to get quotes from several providers so you can compare rates, discounts and policy features. Pronto offers these four discounts to help you save on car insurance:

Pronto home insurance

Overall, Bankrate determined that Pronto may not be the best home insurance provider on the market for most homeowners. Just like with auto insurance, you can only get coverage if you live in California or Texas, and there are several coverage requirements. For example, Pronto will not insure your home if your home is not well maintained, does not have smoke detectors and does not have a thermostatically controlled heat source. You also cannot get coverage for a vacation home if it is not regularly occupied by you seasonally.

In terms of coverage, Pronto home insurance is standard. You can purchase all the basic coverage types, as well as several endorsements, like dwelling replacement cost coverage, glass coverage and dog/animal liability insurance. The company sells policies with up to $1 million in dwelling coverage, up to $500,000 in personal liability coverage and up to $10,000 in medical payments coverage.

Pros and cons of Pronto homeowners insurance

While Pronto home insurance could be a good option for some, it’s helpful to understand the benefits and disadvantages of its coverage. When you’re looking for a new policy, comparing home insurance quotes from a few companies and looking at each carrier’s offerings can be a good strategy to find the coverage that is right for you.

Pronto home insurance cost

Pronto’s average rates aren’t available, and your premium will vary based on the specific features of your policy and your rating factors. If you’re shopping for the cheapest home insurance or the policy that best fits your needs, getting quotes from several companies can be a helpful strategy.

Pronto home insurance discounts

Pronto’s website states that home insurance discounts are offered, but no specific savings opportunities are listed. It may be worth getting a quote for home insurance in your state and speaking to a Pronto insurance agent to see which discounts may be available.

Pronto home tools and benefits

Pronto’s mobile app works for its home insurance too, allowing you to see and manage all your policies in one place.

Pronto customer satisfaction

Pronto was not rated by J.D. Power for customer or claims satisfaction and does not have a complaint index with the National Association of Insurance Commissioners (NAIC). Additionally, Pronto is not rated by AM Best, Demotech or Standard & Poor’s (S&P) for financial strength. This could make it difficult to assess the company’s overall level of service and its historical ability to pay claims. You may want to speak with current policyholders about Pronto’s service before you commit to a policy.

How to file a claim with Pronto

With Pronto, you can file a claim in a few different ways:

• File online in the claim center
• Call 1-800-272-3922 for California claims
• Call 1-888-224-7740 for Texas claims
• Contact your local agent

For Florida residents who had a Pronto policy before the company stopped its business in the state, call 1-844-776-4361 for more information about claims. You’ll be directed to contact the appropriate new company based on your policy number prefix.

Pronto availability

Pronto is only available in California and Texas. The company is no longer actively writing policies in Florida.

Other Pronto perks worth considering

In addition to auto and home insurance, Pronto also sells several other policy types. Here are some of the standout offerings:

• Mexico insurance: If you are planning to travel from California or Texas to Mexico, you can purchase a special auto insurance policy from Pronto to get protection while driving outside the U.S.
• Watercraft insurance: Pronto sells watercraft insurance if you need to insure a boat or jetski. The package includes coverage for total loss replacement, full coverage for fishing equipment, mechanical breakdown coverage and more.
• Commercial insurance: If you own a business, Pronto could provide you with various types of coverage, including workers compensation, general liability and builder’s risk policies.

Pronto corporate sustainability

Pronto Insurance does not highlight any information about its corporate sustainability or charitable work online.

Not sure if Pronto is right for you? Consider these alternatives

If you are not sure that Pronto is the right insurance provider for your needs, consider adding these insurance carriers to your search list:

Pronto vs. The General

Like Pronto, The General also specializes in high-risk auto insurance and aims to offer affordable rates for drivers with poor credit, a history of accidents or a DUI conviction on their record. Additionally, The General is more widely available than Pronto, so it could be a good choice if you live outside of California and Texas, where Pronto is offered.

Learn more: The General Insurance review

Pronto vs. National General

National General advertises low-cost auto and home insurance, and based on our research, it has more coverage options and discounts than Pronto makes known on its site. National General doesn’t have many third-party ratings, though, so just like Pronto, it may be difficult to assess its level of service before committing to coverage.

Learn more: National General Insurance review

Pronto vs. Bristol West

If you need non-standard auto insurance or an SR-22, Bristol West may be another good insurance company to consider, especially because it is part of a large national insurer, Farmers Insurance Group. Coverage is available in 43 states, which far outpaces Pronto’s two-state coverage area.

Learn more: Bristol West Insurance review

Is Pronto a good insurance company?

Pronto might be a good option for high-risk drivers in California or Texas who want to bundle their auto and home policies with one company. However, Pronto’s endorsements and options for policy personalization are lacking compared to other companies, and its limited availability means it’s not an option for everyone. A lack of third-party reviews could also make it difficult to assess the level of service you’ll get prior to buying a policy. Getting a quote from Pronto can never hurt, but you may find that another carrier can offer you a more robust policy.