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Pronto Insurance Review 2022

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Bankrate’s Pronto Insurance review determined that Pronto is a decent provider, but the company does not have many unique or standout features compared to some of its market competitors. In addition, Pronto’s coverage area is limited and you can only get insurance in three states. However, Pronto may be a good option if you are looking for an insurance company with Spanish-speaking agents. It’s one of the few insurance companies that primarily serves Latino communities and has many bilingual customer service representatives.

Perks Drawbacks
Offers coverage to high-risk drivers Very limited coverage area
Many types of insurance product lines are available No 24/7 customer service
It has bilingual agents that speak English and Spanish Fewer discounts than some competitors for auto insurance
Not rated by any reputable third-party organizations for customer service or financial strength

Pronto Insurance serves customers in three states — California, Texas and Florida. The company specializes in high-risk auto insurance, and caters specifically to Latino communities. Many Pronto Insurance agents are bilingual in English and Spanish, and the website is accessible in both languages.

In addition to basic auto and home insurance, Pronto also offers several other types of coverage, including Mexico auto insurance. However, the company is not rated by organizations like J.D. Power, AM Best or Standard and Poor’s (S&P), so it is difficult to get a good sense of the company’s customer service and financial stability.

Pronto car insurance | Bankrate Score: Unrated

Based on Bankrate’s evaluation, Pronto could be a good option for car insurance if you are a high-risk driver. However, you must live in California, Texas or Florida to get a policy. The carrier specializes in non-standard auto insurance, and offers three tiers of coverage — Essential, Comprehensive and Alternative, its 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 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. The main way to get a lower premium that Pronto shares on its site is to insure multiple vehicles under the same policy.

Pronto car services

In addition to private passenger auto insurance, Pronto Insurance also offers motorcycle insurance, RV insurance and roadside assistance. The company does not offer any non-insurance related car services or plans.

Pronto home insurance | Bankrate Score: Unrated

Overall, Bankrate determined that Pronto may not be the best home insurance provider on the market for most homeowners. 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 policies, 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.

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 covered state and speaking to a Pronto insurance agent to see which discounts may be available.

Pronto home services

Pronto does not offer any additional non-insurance home services.

Other Pronto perks worth considering

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

  • Mexico insurance: If you are planning to travel from California to Mexico or Texas to Mexico, you can purchase a special auto insurance policy from Pronto to get protection while driving outside the U.S.
  • Medicare Advantage plans: Pronto Insurance partners with HealthCompare to help you find Medicare Advantage plans and compare quotes. You can also find Medicare supplement plans through this service.
  • 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.

Pronto social responsibility

Pronto Insurance does not highlight any information about its corporate social responsibility or charitable work online. In 2011, Pronto Insurance announced that it was partnering with the U.S. Marine Corps Reserves Toys for Tots program as a Community Partner Sponsor, but is unclear if the insurer has since continued its contribution.

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:

  • 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.
  • 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.
  • 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.

Methodology

Bankrate Scores

Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.

To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moodys had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider.

While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.

Written by
Elizabeth Rivelli
Insurance Contributor
Elizabeth Rivelli is a contributing insurance writer for Bankrate and has years of experience writing for insurance domains such as The Simple Dollar, Coverage.com and NextAdvisor, among others
Edited by
Insurance Editor