Rodney D. Young Insurance Review (2024)
Rodney D. Young Insurance is not available nationwide, and the Loya Insurance Group owns this company. You can purchase traditional coverage through Rodney D. Young Insurance. Since the Loya Insurance Group owns this insurance company, you will need to make payments or get quotes through the website of the parent company, Fred Loya Insurance.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
Licensed Insurance Agent
UPDATED: Nov 14, 2023
It’s all about you. We want to help you make the right car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 14, 2023
It’s all about you. We want to help you make the right car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- AM Best Rating: NR
- Monthly Rates From: $47-$122
- Types of Coverage: Auto
- Customer Service & Claims Number: +1 915-593-2651
Most states require drivers to have car insurance, but it can be difficult to obtain the coverage you need if you have moving violations on your driving record. Some car insurance companies won’t accept applications from high-risk drivers, but you can acquire any necessary coverage with Rodney D. Young Insurance.
Continue reading to learn more about the coverages that Rodney D. Young Insurance can offer you and how you can save money on your auto insurance rates.
As you read this Rodney D. Young Insurance review, you can enter your ZIP code to receive free quotes from insurance companies near you.
Rodney D. Young Insurance Monthly Rates vs U.S. Average
| Coverage Type | Rodney D. Young | U.S. Average |
|---|---|---|
| Full Coverage | $122 | $119 |
| Minimum Coverage | $47 | $45 |
Are Rodney D. Young insurance rates competitive?
While you can obtain a quote online, the Loya Insurance Group doesn’t share sample rates on its website. Here you can view the average rates that other major insurance companies offer to drivers who have moving violations on their records.
| Group | Driving Record | Average Annual Premium | Company Average Annual Premium | Difference Between Record and Company |
|---|---|---|---|---|
| Allstate | Clean record | $3,712.50 | $5,182.27 | -28.36% |
| Allstate | With 1 DUI | $5,850.85 | $5,182.27 | 12.90% |
| Allstate | With 1 accident | $6,295.82 | $5,182.27 | 21.49% |
| Allstate | With 1 speeding violation | $4,869.92 | $5,182.27 | -6.03% |
| American Family | Clean record | $2,797.36 | $3,805.49 | -26.49% |
| American Family | With 1 DUI | $5,279.69 | $3,805.49 | 38.74% |
| American Family | With 1 accident | $3,971.42 | $3,805.49 | 4.36% |
| American Family | With 1 speeding violation | $3,173.51 | $3,805.49 | -16.61% |
| Farmers | Clean record | $3,865.35 | $4,576.37 | -15.54% |
| Farmers | With 1 DUI | $4,857.36 | $4,576.37 | 6.14% |
| Farmers | With 1 accident | $4,981.19 | $4,576.37 | 8.85% |
| Farmers | With 1 speeding violation | $4,601.59 | $4,576.37 | 0.55% |
| Geico | Clean record | $1,980.04 | $2,764.21 | -28.37% |
| Geico | With 1 DUI | $3,850.51 | $2,764.21 | 39.30% |
| Geico | With 1 accident | $2,787.85 | $2,764.21 | 0.86% |
| Geico | With 1 speeding violation | $2,438.42 | $2,764.21 | -11.79% |
| Liberty Mutual | Clean record | $1,891.37 | $2,269.25 | -16.65% |
| Liberty Mutual | With 1 DUI | $2,357.92 | $2,269.25 | 3.91% |
| Liberty Mutual | With 1 accident | $2,681.59 | $2,269.25 | 18.17% |
| Liberty Mutual | With 1 speeding violation | $2,146.09 | $2,269.25 | -5.43% |
| Nationwide | Clean record | $2,432.56 | $3,020.22 | -19.46% |
| Nationwide | With 1 DUI | $3,703.87 | $3,020.22 | 22.64% |
| Nationwide | With 1 accident | $3,149.89 | $3,020.22 | 4.29% |
| Nationwide | With 1 speeding violation | $2,794.56 | $3,020.22 | -7.47% |
| Progressive | Clean record | $2,900.83 | $3,517.99 | -17.54% |
| Progressive | With 1 DUI | $3,211.80 | $3,517.99 | -8.70% |
| Progressive | With 1 accident | $4,293.62 | $3,517.99 | 22.05% |
| Progressive | With 1 speeding violation | $3,665.72 | $3,517.99 | 4.20% |
| State Farm | Clean record | $2,128.05 | $2,328.78 | -8.62% |
| State Farm | With 1 DUI | $2,328.78 | $2,328.78 | 0.00% |
| State Farm | With 1 accident | $2,529.52 | $2,328.78 | 8.62% |
| State Farm | With 1 speeding violation | $2,328.78 | $2,328.78 | 0.00% |
| Travelers | Clean record | $1,971.92 | $2,478.21 | -20.43% |
| Travelers | With 1 DUI | $2,883.48 | $2,478.21 | 16.35% |
| Travelers | With 1 accident | $2,583.81 | $2,478.21 | 4.26% |
| Travelers | With 1 speeding violation | $2,473.62 | $2,478.21 | -0.19% |
| USAA | Clean record | $1,971.53 | $2,766.75 | -28.74% |
| USAA | With 1 DUI | $3,882.60 | $2,766.75 | 40.33% |
| USAA | With 1 accident | $2,834.82 | $2,766.75 | 2.46% |
| USAA | With 1 speeding violation | $2,378.06 | $2,766.75 | -14.05% |
Working to preserve a clean driving record is the best way to maintain low rates, but you can also reduce your rates by sustaining a high credit score.
Who is Rodney D. Young Insurance?
Founded in 1982, Rodney D. Young is now owned by the Loya Insurance Group. Rodney D. Young Insurance specializes in providing insurance to high-risk drivers. You can purchase a Rodney D. Young car insurance policy if you reside in any of these states:
- Texas
- Arizona
- Colorado
- Missouri
- Nevada
- North Carolina
- New Mexico
If you live outside of Rodney D. Young Insurance’s coverage areas, you can shop online to find the best insurance companies near you. However, it is important to note that since Loya Insurance owns Rodney D. Young Insurance, you will be directed to the Loya Insurance Group website.
Now, if you were to conduct an internet search for “Rodney D. Young pay online,” you would discover that the Loya Insurance Group website has an online payment tool. You will need to have your Rodney D. Young insurance number handy to utilize this feature. In addition, you can also obtain car insurance quotes online.
Aside from that, there are not many additional offerings available on the website. For example, methods to contact customer service aren’t even listed.
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What coverages does Rodney D. Young Insurance offer?
Since Rodney D. Young Insurance caters to high-risk drivers, you can expect to have access to standard liability-only and full coverage insurance policies. However, these policies consist of different types of coverages, and you can examine their details here:
Types of Car Insurance Coverages Defined
| Insurance Coverage Types | Purpose of Coverage |
|---|---|
| Bodily injury liability | Part of your liability coverage that pays for medical bills if you've injured someone else in an automobile accident |
| Collision | Covers damage to your car after an automobile accident |
| Comprehensive | Covers damage to your car that happens when you're not driving |
| Personal injury protection | Covers medical expenses for you or your passengers after an automobile accident |
| Property damage liability | The other part of liability coverage that covers the cost of any property damage you've caused in an automobile accident |
| Uninsured/underinsured motorist | Covers the costs if you're in an automobile accident caused by a driver with little or no car insurance |
Now, there is no indication that Rodney D. Young roadside assistance is available with these policies, but you can call 1-800-880-0472 if you need to file a claim.
A good tip to remember when purchasing insurance is that it’s always important to buy what you need and not scant your coverage levels simply to gain a better rate.
What discounts are available through Rodney D. Young Insurance?
There isn’t any mention of discounts on the Loya Group Insurance website, so you will need to contact a company representative to determine if you can take advantage of any savings opportunities for Rodney D. Young Insurance drivers.
Most insurance companies offer a wide variety of discounts, as you can see below:
Car Insurance Discounts by Company
| Car Insurance Discounts | Allstate (%) | American Family (%) | Farmers (%) | Geico (%) | Liberty Mutual (%) | Nationwide (%) | Progressive (%) | State Farm (%) | Travelers (%) | USAA (%) |
|---|---|---|---|---|---|---|---|---|---|---|
| Adaptive Cruise Control | N/A | N/A | N/A | N/A | 5 | x | x | N/A | N/A | N/A |
| Adaptive Headlights | N/A | N/A | x | N/A | 5 | x | x | N/A | N/A | N/A |
| Anti-lock Brakes | x | x | x | 5 | 5 | 5 | x | 5 | x | x |
| Anti-Theft | x | x | x | 25 | 20 | 25 | x | 15 | x | x |
| Claim Free | x | x | x | 26 | x | 10 | x | 15 | 23 | 12 |
| Continuous Coverage | x | x | x | x | N/A | N/A | x | N/A | 15 | N/A |
| Daytime Running Lights | x | x | x | 1 | 5 | 5 | x | N/A | x | x |
| Defensive Driver | x | x | x | x | 10 | 5 | 10 | 5 | 10 | 3 |
| Distant Student | x | x | x | x | N/A | 10 | x | x | 7 | x |
| Driver's Ed | x | x | x | x | 10 | N/A | 10 | 15 | 8 | 3 |
| Driving Device/App | x | x | N/A | x | 30 | 40 | 20 | 50 | 30 | 5 |
| Early Signing | x | x | x | x | N/A | 8 | x | N/A | 10 | 12 |
| Electronic Stability Control | x | x | x | N/A | 5 | x | x | N/A | N/A | N/A |
| Emergency Deployment | N/A | N/A | N/A | 25 | N/A | N/A | N/A | N/A | N/A | N/A |
| Engaged Couple | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Family Legacy | N/A | x | N/A | x | N/A | N/A | x | N/A | N/A | 10 |
| Family Plan | N/A | x | x | N/A | N/A | 25 | N/A | N/A | N/A | N/A |
| Farm Vehicle | x | N/A | x | x | N/A | N/A | N/A | N/A | N/A | N/A |
| Fast 5 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Federal Employee | N/A | N/A | x | 8 | 10 | N/A | N/A | N/A | N/A | N/A |
| Forward Collision Warning | N/A | N/A | N/A | N/A | 5 | x | x | N/A | N/A | N/A |
| Full Payment | N/A | x | x | x | $5 | N/A | x | N/A | 7.5 | N/A |
| Further Education | N/A | N/A | N/A | x | 10 | 15 | N/A | N/A | x | N/A |
| Garaging/Storing | N/A | N/A | x | N/A | N/A | N/A | N/A | N/A | x | 90 |
| Good Credit | x | x | N/A | N/A | N/A | x | x | x | N/A | N/A |
| Good Student | x | x | x | 15 | 22.5 | 10 | x | 25 | 8 | 3 |
| Green Vehicle | x | N/A | 5 | N/A | 10 | N/A | N/A | N/A | 10 | N/A |
| Homeowner | N/A | N/A | x | x | x | 5 | x | 3 | 5 | N/A |
| Lane Departure Warning | N/A | N/A | N/A | N/A | x | x | x | N/A | N/A | N/A |
| Life Insurance | x | N/A | N/A | N/A | N/A | x | N/A | N/A | N/A | N/A |
| Low Mileage | x | x | x | x | x | x | x | 30 | x | x |
| Loyalty | N/A | x | N/A | x | N/A | 5 | x | N/A | N/A | x |
| Married | N/A | N/A | N/A | N/A | x | x | x | x | N/A | x |
| Membership/Group | N/A | N/A | N/A | x | 10 | 7 | N/A | N/A | x | N/A |
| Military | x | N/A | x | 15 | 4 | N/A | N/A | x | N/A | x |
| Military Garaging | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 15 |
| Multiple Drivers | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Multiple Policies | 10 | 29 | x | 10 | 20 | 10 | 12 | 17 | 13 | x |
| Multiple Vehicles | x | x | x | 25 | 10 | 20 | 10 | 20 | 8 | x |
| New Address | N/A | N/A | N/A | N/A | 5 | N/A | N/A | N/A | N/A | N/A |
| New Customer/New Plan | N/A | N/A | N/A | N/A | x | N/A | N/A | N/A | N/A | N/A |
| New Graduate | N/A | N/A | N/A | N/A | 5 | N/A | N/A | N/A | N/A | N/A |
| Newer Vehicle | x | N/A | x | x | N/A | x | x | 40 | 10 | 12 |
| Newly Licensed | N/A | N/A | N/A | N/A | 5 | N/A | N/A | N/A | N/A | N/A |
| Newlyweds | N/A | N/A | N/A | N/A | 5 | N/A | N/A | N/A | N/A | N/A |
| Non-Smoker/Non-Drinker | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Occasional Operator | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | x |
| Occupation | x | N/A | x | x | 10 | 15 | N/A | N/A | x | N/A |
| On-Time Payments | x | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 15 | N/A |
| Online Shopper | N/A | N/A | N/A | N/A | N/A | N/A | 7 | N/A | N/A | N/A |
| Paperless Documents | x | x | x | N/A | N/A | 5 | $50 | N/A | N/A | N/A |
| Paperless/Auto Billing | x | x | x | N/A | x | $30 | x | $2 | 3 | 3 |
| Passive Restraint | x | x | x | 40 | x | 20 | x | 40 | x | x |
| Recent Retirees | N/A | N/A | N/A | N/A | 4 | N/A | N/A | N/A | N/A | N/A |
| Renter | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Roadside Assistance | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Safe Driver | N/A | N/A | x | 15 | N/A | 35 | 31 | 15 | 23 | 12 |
| Seat Belt Use | N/A | N/A | N/A | 15 | N/A | N/A | N/A | N/A | N/A | N/A |
| Senior Driver | x | N/A | x | N/A | N/A | N/A | N/A | N/A | N/A | x |
| Stable Residence | N/A | N/A | N/A | N/A | N/A | x | x | N/A | N/A | N/A |
| Students & Alumni | N/A | x | N/A | x | 10 | 7 | N/A | N/A | N/A | N/A |
| Switching Provider | N/A | x | x | N/A | 10 | N/A | x | N/A | N/A | N/A |
| Utility Vehicle | x | N/A | x | x | N/A | N/A | N/A | N/A | N/A | N/A |
| Vehicle Recovery | x | x | x | 15 | 35 | 25 | x | 5 | x | x |
| VIN Etching | N/A | N/A | x | N/A | 5 | x | x | N/A | x | x |
| Volunteer | N/A | x | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Young Driver | N/A | N/A | N/A | N/A | x | N/A | x | N/A | N/A | $75 |
When shopping online for car insurance, you should request quotes from at least three companies, so that you can compare which ones have the best rates, discounts, and coverage levels available.
Rodney D. Young Insurance Claims Process
Ease of Filing a Claim
When it comes to filing a claim with Rodney D. Young Insurance, the process offers several options for policyholders. You can conveniently file a claim online through their website or use their mobile app. Additionally, they provide the option to file a claim over the phone, ensuring flexibility for their customers.
Average Claim Processing Time
The average claim processing time can vary depending on the nature of the claim and the specific circumstances. Rodney D. Young Insurance does not provide specific data regarding their claim processing times on their website. To get more accurate information on this aspect, it is advisable to contact their customer service or refer to your policy documentation.
Customer Feedback on Claim Resolutions and Payouts
Evaluating the customer feedback on claim resolutions and payouts is essential in assessing an insurance provider’s reliability. Unfortunately, specific customer feedback on Rodney D. Young Insurance’s claim resolutions and payouts is not available in the provided content.
To gauge the experiences of policyholders in this regard, you may want to consult online reviews and testimonials or reach out to current customers.
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Rodney D. Young Insurance Digital and Technological Features
Mobile App Features and Functionality
Rodney D. Young Insurance offers a mobile app to enhance their customers’ experience. While the content does not detail the specific features and functionality of the app, it’s a valuable resource for managing your insurance policy on the go. To learn more about the app’s features, you can download it and explore its capabilities firsthand.
Online Account Management Capabilities
Online account management is a convenient way to access and manage your insurance policy. Although the content does not elaborate on the specific online account management capabilities provided by Rodney D. Young Insurance, you can typically expect to view and update policy information, make payments, and track claims through their online portal. To explore these capabilities, you can log in to your account on their website.
Digital Tools and Resources
The content does not provide detailed information about the digital tools and resources offered by Rodney D. Young Insurance. However, insurance companies often provide tools such as calculators for estimating premiums, educational resources, and informational articles to help policyholders make informed decisions. To access these resources, you can visit their website and explore their online offerings.
Is Rodney D. Young Insurance highly rated?
Unfortunately, you’ll be disappointed to discover that you won’t be able to locate an A.M. Best rating for this company. However, if you are attempting to find a financially strong company, you can use the chart below to view the financial ratings of some of the leading names in the insurance industry.
| Company | AM Best Rating | Direct Premiums Written (in billions) | Market Share (in percent) | Loss Ratio (in percent) |
|---|---|---|---|---|
| Allstate | A+ (Superior) | 22.7 (↑) | 9.19 (↓) | 56 (↓) |
| American Family | A (Excellent) | 4.7 (↑) | 1.9 (↑) | 69 (~) |
| Farmers | A (Excellent) | 10.5 (↑) | 4.26 (↓) | 61 (~) |
| Geico | A++ (Superior) | 33.1 (↑) | 13.41 (↑) | 71 (~) |
| Liberty Mutual | A (Excellent) | 11.8 (↑) | 4.77 (↓) | 62 (~) |
| Nationwide | A+ (Superior) | 6.7 (↓) | 2.73 (↓) | 58 (↓) |
| Progressive | A+ (Superior) | 27.1 (↑) | 10.97 (↑) | 62 (~) |
| State Farm | A++ (Superior) | 41.9 (↑) | 17.01 (↓) | 63 (↓) |
| Travelers | A++ (Superior) | 4.7 (↑) | 1.9 (↑) | 60 (~) |
| USAA (Military & Family Members) | A++ (Superior) | 14.5 (↑) | 5.87 (↑) | 77 (~) |
Drivers looking to purchase car insurance from a company that provides excellent customer service may be concerned that there is no Better Business Bureau (BBB) rating for Rodney D. Young Insurance. However, its holding company, Fred Loya Insurance, has a C rating from the BBB, which doesn’t inspire much confidence.
History and Mission of Rodney D.
Rodney D. Young Insurance, established in 1982, is now owned by the Loya Insurance Group. The company specializes in serving high-risk drivers and provides coverage in select states, including Texas, Arizona, Colorado, Missouri, Nevada, North Carolina, and New Mexico.
The primary mission of Rodney D. Young Insurance is to offer insurance solutions to individuals who may face challenges securing coverage due to their driving history. By focusing on this niche market, Rodney D. Young Insurance aims to provide accessible and affordable insurance options for those who need it most.
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Conclusion
In conclusion, Rodney D. Young Insurance fills a crucial niche in the insurance market by offering coverage to high-risk drivers.
While customer experiences may vary, the company’s mission is clear: to provide a solution for individuals with less than perfect driving records. By assessing their specific needs and comparing available options, potential policyholders can determine if Rodney D. Young Insurance aligns with their requirements for coverage.
Now that you’ve read this Rodney D. Young Insurance review, you can shop for car insurance with confidence. Enter your ZIP code to begin comparing free quotes today.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.