- We are the fourth largest writer through the independent agency channel of non-standard auto insurance in the United States.
- We are one of the few remaining standalone personal auto insurers who specialize in underwriting non-standard risks.
- We have consistently outperformed the industry in terms of underwriting margins, with a combined ratio that has averaged nearly eight points better than the industry for the past five years.
- We have maintained an A.M. Best rating of an “A”, or “excellent” for the past seven years, signifying our reliably strong financial capability to support our financial promises to provide insurance coverage to our customers.
- We have a solid balance sheet, with historically conservative loss reserves, a conservative investment portfolio, and a very strong capital position.
- We are one of the few major personal auto insurers in the United States that has dedicated policy and claims services designed to cater to the Spanish-speaking population in the United States.
- We have strong brand equity in the Hispanic market in many of our 21 Urban Zones.
- We have a formidable agency force, currently 12,600 strong.
- We have invested over the past several years to increase our capability to deliver competitively priced auto insurance products in our eight Focus States.
- And we have the capability to capitalize on an improving economy and long-term growth in ethnic markets.