Praetorian Car Insurance Review

Praetorian Car Insurance is owned by the QBE Insurance Company. Although the company does provide a wide range of specific types of auto coverage, making contact with a Praetorian insurance agent can be a challenge.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Mar 29, 2022

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In a nutshell...

  • QBE is one of the largest insurance companies in the world
  • The Farmers Union Insurance website is much more detailed than the Praetorian car insurance website
  • Auto insurance customers should remember to compare car insurance companies before deciding on any single provider

Praetorian Car Insurance is a company owned by the QBE Insurance Company.

Although the company does provide a wide range of specific types of coverage for car insurance, making contact with a Praetorian insurance agent to learn more about the coverage can be a challenge.

QBE’s website for US customers only provides limited information on QBE and Praetorian private passenger automobile insurance.

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About QBE Insurance

Regarding financial strength, QBE is a reliable company, however, with an A.M best A rating and A+ from Standard & Poor’s.

Licensed in all 50 States, the QBE Insurance Company is an active player in the financial services industry but is still relatively unknown to US consumers.

As a wholly-owned QBE company, Farmers Union Insurance provides some car insurance policies for personal and commercial usage.

They also have homeowners insurance, life insurance, and many other lines which can help with multi-policy discounts for many consumers.

Finding information about what policy options are available through QBE will be much faster by contacting Farmers Union Insurance if you happen to live in their geographic footprint.

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Where do QBE / Farmers Union Insurance Company offer coverage?

Car insurance policies from Farmers Union Insurance are currently only offered in nine states within the midwest.

However, if you are a resident of any of the states that Farmers union sells coverage in, you can take advantage of some different discounts some national brands may not have.

Farmers Union Insurance prides itself on affordable coverage and offers many auto insurance discounts such as:

  • Early quote discounts: Policyholders who request a renewal quote at least seven days before their current policy’s expiration may qualify for a refund.
  • Policy pre-payment discount: Drivers who opt to pre-pay their car insurance policy can save up to 20 percent
  • Good driver discount: Accident-free drivers enjoy discounts
  • Accident forgiveness: After being a policyholder for 48 months it’s possible to receive a waiver against rate increases from a single car accident
  • Multi-policy discount: Like any good insurance company – the more policies you have, the better the rates
  • Senior citizens: Customers over the age of 50 may be entitled to reduced rates solely based on age
  • Good student discount: Young drivers, single and enrolled full time in school, may be eligible for car insurance discounts depending on their grades
  • Prior loyalty discount: A very rare auto insurance discount where Farmers Union will reward drivers with lower rates if they have been insured with the previous insurer for at least three years.
  • Good credit discount: Good credit means better rates!

While there are around a dozen national brand names well known to almost every driver, regional car insurance companies like Farmer Union provide many of the same products with comparable rates.

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