In most states in the United States Auto insurance is an essential requirement for both individuals and businesses. However, the unique circumstances of each person and organization mean that not everyone qualifies for the same types of coverage. At Testimony Insurance and Finance Agency, we are dedicated to providing auto insurance to those who may be overlooked by standard insurance companies. In partnership with State Auto Insurance programs, we work to ensure that even individuals with difficult driving histories can meet their state’s mandatory insurance requirements.
Testimony specializes in offering auto insurance tailored to high-risk drivers who find it difficult to secure coverage through traditional auto insurance companies, catering to both private passenger vehicles and commercial fleets.
Our Auto Insurance solutions
Private Passenger
Even if you’re considered high-risk, you still deserve affordable and legal coverage. Testimony’s Private Auto Insurance provides you:
- Comprehensive & Collision coverage
- Liability coverage
- Personal Injury coverage
- Uninsured/Underinsured Motorist coverage
Commercial Auto
From local delivery trucks to service vans, Testimony helps businesses meet legal insurance requirements—even when standard coverage is out of reach. Offering coverage such as
- Comprehensive & Collision coverage
- Liability and physical damage coverage
- Medical payments coverage
- Hired and non-owned auto coverage
Questions? We’re here to help!
How can I determine if I qualify?
- You’ve been denied coverage due to a poor driving record
- You operate a commercial vehicle or fleet with high-risk classification
- You have multiple claims, traffic violations, DUIs, or lapses in insurance
- You’re a new driver or have limited driving history
- Your business faces challenges insuring specialty vehicles
What are the main advantages of Testimony’s auto insurance?
- Available to high-risk drivers and commercial operators
- Backed by your state’s assigned risk plan
- Helps meet minimum liability requirements
Is it mandatory for me to obtain full coverage for my vehicle?
It is not mandatory to have full coverage on your vehicle; options like Comprehensive and Collision coverage, as well as Medical and Hired and Non-Owned Auto coverage, are available as add-ons.
What is my premium?
To determine the cost of auto insurance with Testimony, it’s important to understand that individual premium rates can differ significantly. The most effective way to find out your specific rate is to request a free custom quote tailored to your needs.