Acceptance specializes in providing coverage to drivers who have a less than perfect driving history. Basic liability coverage for drivers who need to meet the state's requirements, bad credit auto insurance, and auto insurance for teenagers and seniors are some of the policies offered. Also, the company provides comprehensive and collision and uninsured or underinsured motorist coverage. Emergency roadside assistance plans can be selected for an additional cost as well as hospital indemnity plans to help cover medical expenses.

When comparing Acceptance Insurance quotes to other major insurers, these tend to be higher. Conversely, Acceptance prides itself in providing coverage to a wider range of customers or non-standard, high-risk drivers when other insurers won't, thus explaining the price difference.

Acceptance Insurance is rated with a C++ by AM Best, which could indicate that it is going through financial turmoil. Also, the insurer's complaint ratio with the National Association of Insurance Commissioners (NAIC) is considerably higher than the national median. However, the company only has a total of 12 complaints filed with the NAIC.

Acceptance Insurance policyholders can contact a service representative during the company’s business hours, Monday through Saturday, by phone or email. Claims can be initiated online 24/7, but require talking to a customer service agent who will contact the policyholder by the end of the next business day. Customers who feel that they need more immediate customer support may want to consider another company.