First of all, why should I choose Apparent?

As parents, we know better than anyone that life can be frenzied, confusing, and totally unpredictable. And as insurance professionals, we know that insurance can be dense, complicated, and universally frustrating.

We believed that insurance companies could do better. So we convinced our own parent company that it’d be a good idea to start an insurance company that truly caters to today’s parents. The result? Apparent Insurance.

We’re on a mission to make insurance work harder (but be easier) for parents of all kinds. We offer tailored features, discounts, and services designed specifically for different stages of your life as a family.

How can I reach an Apparent Insurance Specialist?

We are here for you! Give us a ring, click the chat bar below, or email us and we promise we will respond ASAP.

Customer Service & Sales Hours
Monday-Friday: 8am-7pm Central Time
Email: CustomerService@ApparentInsurance.com
Phone: 1-877-764-8679

Can I purchase an Apparent policy online?

DIY is so in right now. Of course, we would love to speak to you, but if you prefer to quote and buy online, click here to start the process.

What coverage should I purchase?

Check out our Car Insurance ABC’s which outline the benefits of all the coverages that Apparent offers. This is a good place to start. We can also help suggest Coverage Packages based on your Customer Profile to help guide your decision.

Insurance is confusing. How do I know what my policy covers?

Your policy documents are a great place to start. Your Declarations Page will show you your coverage limits & products, which drivers are covered, and which vehicles are covered. Give us a call and we are more than happy to walk you through it.

I already have insurance, when can I switch?

You can come join our family anytime during your current policy period! You do not have to wait until your policy expires. Once you start a policy with Apparent, you can cancel with your current Insurance Company so there is no lapse in coverage.

Will my credit score be affected by applying for an Apparent policy?

No. We use your Insurance Credit Score which is a “soft” credit check. This has no effect on your score.

What steps does Apparent take to make sure my information is secure?

We’re protecting your family and your property, why should your information be any different? To prevent cases of fraud or identity theft, Apparent encrypts all payment information you entrust to us. As an added layer of protection, all payment requests sent to our bank are encrypted. Internally, only a select number of individuals will have access to your information.

What kind of insurance does Apparent offer?

Apparent is an auto insurer, but we partner with the best of the best to provide additional insurance to help cover the things you love: Home, Renters, Umbrella, Motorcycle, & Life are all types of insurance we offer. Contact our Insurance Specialists to help get any of these quotes!

Am I able to increase my coverages or make other changes after I purchase?

Of course! Our Insurance Specialists are here to help make changes and adjustments. In addition to coverage changes, let us know things like if your address changes, you get a new vehicle, you sell a vehicle, or you have a new [gasp] teen driver and we can make sure we update everything accordingly. You can also make some changes on the Customer Portal.

How do I access the Apparent customer portal?

Click here to access our Customer Portal. Make policy changes, view documents, and make payments at your convenience here.

What happens if I miss a payment or a payment attempt fails?

Things happen and life is busy. This is why we suggest recurring payments so you don’t have to even think about it! If you do happen to miss a payment on your due date or a payment fails to draft from your account due to non-sufficient funds, a $10 dollar late fee will be applied to your account. To keep your coverage in force, Apparent will then attempt a draft for that payment every Friday after the due date, as well as the 1st and 15th of each month, until the payment is collected. A good rule of thumb is to give us a call to talk about your situation before this happens.

How do I file a claim?

We understand this can be one of the toughest things to experience. You can contact one of our Claims Specialists via phone or email and they will be there to help you.

Claims Hours
Monday-Saturday: 7am-7pm Central Time
Email: Claims@ApparentInsurance.com
Phone: 1-877-764-8679

How do I request Roadside Assistance help?

No worries, give Urgent.ly a call directly at 1-888-871-6410 or you can call an Apparent Insurance Specialist 1-877-764-8679 and we can connect you right away.

What if I would like to cancel my Apparent policy?

We would absolutely hate to see you go! Give us a call to chat about it. To cancel coverage with Apparent, you will need to speak with our Insurance Specialists.