This is something you should discuss with a Response Insurance customer service representative. Basically, you will want to take into account your personal assets and how much you might lose if you are ever sued for damages by another driver, property owner or injured party.

Drivers with better driving records are likely to get better rates. Inexperienced drivers, or those with accidents and violations, pay more. Mature drivers with good driving records are most likely to get the better rates. Because the accident rate for people under age 25 is the highest of any other age group, young drivers with limited driving history will usually pay more.

The more drivers in your area, the greater the chances that you'll have an accident. That's why rates are generally higher in densely populated areas. In addition, certain cities also have higher theft and vandalism rates than others and, consequently, higher rates for those types of coverages.

1.) Purchase a policy from Response Insurance - the company that rewards responsible drivers.
2.) Maintain a clean driving record.
3.) Choose a vehicle with high safety ratings.
4.) Increase your deductible.
5.) Purchase an anti-theft device.

YES! Safe drivers can start benefiting from Response Insurance's low rates and other rewards at any time. And when you switch, your current insurance company should refund you on a pro-rated basis for any premiums you've paid in advance. Just give us a call at 1-800-518-2984 and our insurance advisors will explain the simple process of enrolling with us. Or get your free online quote now simply by clicking here.

Your coverage can start immediately after we approve your eligibility for coverage and you pay your first premium installment. Often, this can be done over the phone in as little as 15 minutes.

For 6-month policies, we offer:

For 12-month policies, we offer:

Can I use a credit card to pay my first installment?

Yes. We accept Visa, MasterCard and Discover Card. If you prefer, you may elect to have payments automatically deducted from your checking account. Payments may also be made over the telephone or by using our Account Online feature. To receive a FREE online rate quote – simply click here.

At Response Insurance, we're ready to respond to your needs after an accident 24 hours a day, seven days a week, 365 days a year. Our first concern is your safety. By following these simple steps, you can help us make good on our promise to get you back on the road as soon as possible.

1) Move your vehicle safely off the road, call the police and request medical assistance if needed.

2) Do not admit fault or discuss the accident with anyone except for the police or Response Insurance Company.

3) Give the other driver the Policy Number Exchange Card from the Accident Action Pack in your glove compartment (don't forget to fill in your name and policy number).

4) Gather as much information about the accident as possible. Again, your Accident Action Pack has an easy-to-follow form that will guide you in obtaining all the right information.

5) As soon as you can - even from the scene if possible - call the Response Insurance claims department at 1-800-552-3150.

After you report the claim, it will be assigned to a professional trained and experienced in helping you get your car and your life back into action as soon as possible. Our claims team will stay in touch throughout the process to keep you informed and answer any questions you may have.

It's as easy as calling your Response Insurance advisor at
1-800-518-2984. Hours (Eastern time) are Monday - Friday,
8:00 am to 9:00 pm, and Saturday, 9:30 am to 6:00 pm.

While some coverage may vary by state and the terms of your policy, generally your coverage follows your car. Anyone who has your permission to drive your car is covered, unless a driver is specifically excluded. Likewise, your coverage always follows you - even when you are driving someone else's vehicle. Just keep in mind that if you have an accident, the primary coverage is through the vehicle owner's policy. If you have specific questions about your policy's coverage, your Response Insurance advisor can help you. Just call 1-800-518-2984.

Please note that all licensed drivers in your household - as well as anyone who drives your car on a regular basis - should be listed on your policy. We also encourage that you use caution in letting anyone drive your vehicle. Their mistakes could cost you money.

Yes. If you have a vehicle fully insured (liability, comprehensive and collision) with Response Insurance and are renting an automobile in the United States, you do not need to buy extra insurance from the rental company. However, the deductible you've selected will still be applied.

If you do not have collision and comprehensive coverage, you should protect yourself by buying it from the rental company. However, policyholders in New York do not need to buy extra insurance from the rental company regardless of whether you have comprehensive and collision coverage on their Response policies (no deductible will be applied).

For the most part, benefits do begin on the first day of active employment, with the exception of our paid time off, 401(k) and tuition assistance.

We do offer a flexible starting time for employees outside of our call center, which is based on the departmental and business needs for most departments. Our call center offers greater flexibility in starting times as well.

Response Insurance offers casual business attire five days a week, but leave the jeans, T-shirts and sneakers at home.

Yes, at Response Insurance, we encourage our employees to recommend family and friends to us for our job openings and those leads that turn into hires are eligible for a referral award.

Yes, we want our employees to grow with us and we do have an internal job posting policy to ensure that we do promote from within.

No, Response Insurance is a privately held company and, therefore, does not offer stock options.

Our employees are motivated by our vision of creating the number one direct writer of personal lines automobile insurance in the United States. If you are motivated and have the ability to do well in a fast-paced, flexible, and team-oriented environment, we urge you to apply.
At Response Insurance, many employees make superior contributions by helping us to reach our common goal of achieving 100% customer satisfaction. In fact, we believe that a significant part of our competitive edge is our employees - individuals who are skilled, devoted and eager to develop their potential while contributing to our growth.

Response Insurance is an Equal Opportunity Employer. We strive to recruit talented individuals who are looking to expand on their current skills and develop both professionally and personally.

Our company admires friendliness, good citizenship, integrity, loyalty, hard work, and the pursuit of excellence. We believe that a shared philosophy reinforces our common goals and cooperative accomplishments. We are very forthright about the kind of company we strive to be. As we grow, we are constantly looking for more employees who share these values.

Response Insurance has a unique corporate culture and has developed a series of principles that makes this a great place to work. As a new employee, learning our culture will be one of the things you will want to focus on right away. We are committed to providing the best customer service in the industry, fostering a team environment and providing a challenging and rewarding career path.

The Human Resources Department reviews all resumes and will contact candidates that are suitable for any open positions within ten business days.

New employees are given a three-month, six-month, and annual review. After their first year, they are given a review annually on their anniversary date. When an employee is promoted, they are given a six-month review and an annual review.