Alfa Vision is our traditional non-standard auto product. The primary focus of this company is geared towards liability only policies that
contain older model vehicles. Policyholders typically lack a consistent history of maintaining insurance coverage and tend to be very price
sensitive. This program will tend to be more competitive in rural and suburban areas. Insurance scoring is not a component of this program.
Alfa Specialty is our more comprehensive auto product. It is better geared towards newer vehicles and full coverage risks. This program
utilizes consumer reports and many more rating factors, including insurance scoring to develop a quote. As a result, it has a broader price
point range starting with non-standard and moving into standard risks requiring higher limits.
Alfa Vision/Home State (TX Only) is also a more comprehensive auto product. This program is only available in Texas and should be used in lieu of Alfa Specialty as it utilizes the same consumer reports and rating factors to develop a quote. As a result, it has a broader price point range starting with non-standard and moving into standard risks requiring higher limits.
Alfa Vision Financial Responsibility Bond (OH Only) is a product similar to auto insurance because it provides both bodily injury and
property damage liability coverage for injuries and damages bondholders cause. If customers are unable to buy auto insurance for any reason, they
can establish financial responsibility through the purchase of an FR bond. No one else who operates the bondholder's vehicle is covered by the FR
bond - not even members of the household. FR bonds do not pay for injuries to the bondholder. They provide restricted coverage only for
bodily injury and property damage liability to another driver, passengers, pedestrians, and damage to property other than the bondholder's vehicle.