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Arbella Car Insurance

Smart Score

76

Industry Average: 75

Smart Score

76
/100

Industry Average: 75

Customer Service

7.3
/10

Industry Average: 7.7

Claims Process

7.7
/10

Industry Average: 8

Value for Price

6.9
/10

Industry Average: 7

Arbella Overview

Arbella, founded in 1988, is a New England insurer based in Massachusetts. Arbella offers car, home and business insurance in Massachusetts and Connecticut as well as business insurance in New Hampshire and Rhode Island. For auto policyholders, Arbella offers a Wheel Focused mobile app to test your safe driving skills. With the app, drivers compete with themselves and friends to see how their driving habits rank up against others, and it will also give personalized feedback to drivers to improve their driving skills.

Lines of Business:

Arbella Ratings Breakdown

Smart Score

76

Arbella: 76
Industry Average: 75
Arbella: 76
Industry Average: 75

Why our Smart Score matters

Arbella’s Smart Score of 76 was created by combining weighted averages of ratings for customer service, claims process, and value for price from 3rd party sources as well as our own research. We view these as the most important factors since they cover the entire experience of shopping for, maintaining, and making a claim on an insurance policy.


How our Smart Score is calculated

Data comes from customer reviews, officially filed complaints, financial stability data, and other insurance industry rating companies. Combining these metrics and sources provides the most accurate and broad-based analysis of what matters most when considering Arbella’s overall quality compared to other auto insurers. While there is some overlap between our three primary metrics, each has unique characteristics that set them apart from each other.


What does this mean for you?

With a score of 76, Arbella sits near the industry average of 75. While this metric isn’t the be-all and end-all, it’s definitely a good point of reference when comparing auto insurance options.

Customer Service

7.3

Arbella: 7.3
Industry Average: 7.7
Arbella: 7.3
Industry Average: 7.7

Our customer service score measures two primary things: user satisfaction when interacting with Arbella’s representatives, and their experience with online tools like quoting and managing a policy via website or app. Arbella’s customer service score comes from a variety of places. These include user reviews on Honest Policy, as well as other analytics companies such as JD Power, Insure.com, and Consumer Reports.


What does this mean for you?

As you can see from Arbella’s service score of 7.3, they have a weak rating compared to similar auto insurance companies, which clock in at an average of 7.7.


The ratings between sources are pretty consistent. Calculating with the given range and number of sources reporting, we’re almost certain the true score lies between 6.4 and 8.2. With those narrow bounds, we’re confident about the accuracy of their 7.3 rating.

Claims Process

7.7

Arbella: 7.7
Industry Average: 8
Arbella: 7.7
Industry Average: 8

Our claims process score looks at users' experiences when filing claims with Arbella. It takes into account not only claim outcomes, but also the ease of making and tracking a claim, as well as how fast Arbella handles it.


Arbella’s claim score is derived from various sources. These include reviews from Honest Policy users, and outside sources including Consumer Reports, Insure.com and JD Power. We round off our calculation with official complaints filed with the National Association of Insurance Commissioners (which primarily are claim related). These complaints are weighted against the size of each company to ensure an apples-to-apples comparison. This gives our claim score the most complete picture of what to expect when filing a claim with Arbella.


What does this mean for you?

Evident from a claims score of 7.7, Arbella has a reasonable rating compared to the average claim score of 8 for similar auto insurance companies.


The ratings between sources vary a bit. Calculating with the given range and number of sources reporting, we’re almost certain the true score lies between 6.4 and 9. With those moderate bounds, we’re pretty confident about the accuracy of their 7.7 rating.

Value for Price

6.9

Arbella: 6.9
Industry Average: 7
Arbella: 6.9
Industry Average: 7

Arbella’s value score measures customer satisfaction when considering how much they pay versus the quality of their experience when dealing with the company.


How Arbella comes up with the price of a policy varies by state, and relates to a number of different factors. Some of these include driving record, how much you use your car, location, age, gender, and the car you drive. While price is a critical factor for most insurance customers, what they get for that money is even more important. As with our other scores, this rating comes from a variety of sources: Honest Policy, JD Power, Insure.com, Clearsurance, and Consumer Reports.


What does this mean for you?

Arbella’s value for price score of 6.9 is excellent compared to the average of 7 from other auto insurance companies.

The ratings between sources are pretty consistent. Calculating with the given range and number of sources reporting, we’re almost certain the true score lies between 6 and 7.8. With those narrow bounds, we’re confident about the accuracy of their rating.

Arbella Auto Official Complaints

Official Complaints

Better than average

Tracks how many more or less official complaints Arbella has than average. With an index of 0.83 Arbella is better than average.


The complaint index comes from two variables for each year and type of insurance.

  • The percentage of how many complaints Arbella has filed against them with the National Association of Insurance Commissioners (NAIC) compared to the total number of complaints filed with every company.

  • The percentage of how much insurance business (total policy premiums) Arbella has compared to the total amount of business of all the other companies.

By weighting complaints and business against their totals, and then dividing share of compliants by share of the market, we get the index value. With 1.0 being an average number of complaints, a 0.5 would be half as many complaints. With an index of 0.83 Arbella is better than average.

Customer Reviews

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Out of 5

0 Reviews

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100%

of customers would reccomend this company to a friend

1 customer reviews

Rhonda D

Auto Customer

I have always had a pleasant experience with them. Every question or concerns I had was always answered in a prompt and concise way. They were always willing to help.me,.no matter how "stupid" my question may have seemed. The agents there are always friendly and I feel comfortable interacting with them.

Price Value: 4.5

Claim Satisfaction: 4

Customer Service: 4

Recommend: yes

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Arbella Coverage Options

When it comes to thier car, everyone has a different situation and differing needs for protection. While every auto insurer offers the same standard coverages. they tend to differ when it comes to what they offer or optional additional protections. Below we list and describe all the extras offered by Arbella

Available OptionsWhat it meansSee something wrong?
Gap Insurance

Helps pay off your auto loan if your car is totaled or stolen and you owe more than the car's depreciated value.

Original Equipment Manufacturer Coverage

Helps ensure aftermarket parts will not be used when repairs are made to your vehicle

No Fault Coverage

Insurance that pays no matter who was responsible for the incident causing the claim.

New Car Replacement Coverage

Pays the value of a brand new car of the same make and model of the your car if your car is declared a total loss.

Pet Coverage

If your pet is injured in an accident, this insurance will cover their expenses.

Accident Forgiveness

Protects your driving record from being affected by the insurance company's rating system for an at-fault accident, thus preventing your insurance premium from going up due to this type of accident.

Umbrella Policy

Liability insurance that covers the excess portions of claims not covered by your other insurance policies.

Arbella availability in these states

Arbella Auto Discounts

While all companies offer a range of car insurance discounts, it's hard to judge any individual discount's value in a meaningful way. For one, the discounts are typically a percentage off the base price, instead of the whole policy.

What does this mean?

Your best bet is to directly discuss your particular situation with an agent to make sure you're getting all the discounts that you may be eligible for on your auto policy. For reference, we've listed all the discounts we believe Arbella has below in order to hlep determine which ones may fit your profile (though keep in mind that they can vary by state).

Available OptionsWhat it meansSee something wrong?
Anti Theft Device

This discount is for cars with alarms, and other theft deterrents. It typically only applies to comprehensive coverage however.

Multiple Policy

While insurers are out to protect drivers, they also need to make money, and they tend to make more when a customer has multiple products (policies) with them. As a result, they can offer savings when drivers pair their car policy with another (home, renters, umbrella, etc.) policy.

Paid in Full

Because of the time value of money, it's better to recieve a lump sum now than the same amount in the future. Thus, savings can be offered to drivers who provide the full payment now versus those who pay over the course of the policy.

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How does Arbella compare to other insurance companies? Click the following links below to compare Arbella to other top insurance companies.

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