Aspiregeneral Reviews 

I have never had to do half of the things aspire requires to get a vehicle insured from any other insurer. I will never use them again once my policy is up. Its like being in a relationship with an insecure woman. The prices arent even that much lower than higher tier insurers. Go with AAA. I dont even have full coverage and they want pics of my car, sent them over and now a couple of them weren't good enough for them. So ridiculous. Never once spoke to a customer service agent who spoke clear English, and it takes 5 min of roundabouts to get to a human. And their Ai cant solve any of the problems I have had with them. I have called them more times than I have ever called any other insurer I've ever had combined in 3 weeks of having them. An absolute nightmare

Aspire General changed my address on my policy without my consent after I inquired about an additional renters insurance policy in the event that we would have moved to a new home.
We asked for a quote, instead they changed my policy and updated our address to an INCORRECT new address that increased our rate by hundreds of dollars.
Then, they asked for proof of the residence I’ve been living at for years, and refused when proof was provided to change my address back.
We CANCELLED the policy because they refused to correct their error, they charged us for 2 months at an INCORRECT address plus a cancellation fee.
In short they made a mistake, refused to correct it and then STOLE OUR MONEY when we cancelled the policy.
Literal crooks.

Thieves, liars should be the first thing before the Aspire general phony money scam for "pretend" insurance. They will accuse you of lying, and try any and every dirty trick to keep from paying for the service they were hired for. Save your money!! This is not a place I would send anyone to. Please research the reviews, and post your distain for these Bumbs. They need to be shut down! going over 2 months and zero results for my car, and nothing to drive. Thanks Ass pire!

I’m extremely disappointed with how Aspire General handled my auto claim. They declared my 2008 Toyota FJ Cruiser a total loss even though their own numbers don’t meet the Total Loss Formula used in California.

Here are the actual figures from their documents:

Actual Cash Value (Aspire’s number): $10,233

Repair estimate: $5,598.58

Estimated salvage: about $600

That puts the total at roughly $6,198, which is far below their stated value of the vehicle. Despite this, Aspire still classified it as a total loss.

The damage is limited to front-end bolt-on parts only:

No frame damage

No drivetrain or engine damage

No structural damage

The vehicle is still drivable

I also submitted valid comparable vehicles that matched year/make/model, all located in California, but Aspire rejected every single one because they only accept listings from certain restricted websites. Their valuation system produces numbers far below the real market value for FJ Cruisers in this region.

I’ve had to file a complaint with the California Department of Insurance, which has now opened an active review (CDI File #8686137). That alone says a lot about how poorly this claim was handled.

I’m sharing this so others know what to expect.
In my experience, Aspire General uses:

Restricted valuation sources

Inconsistent comparable vehicle criteria

Low ACV numbers

Decisions that don’t match the math

Delays and vague communication

Consumers deserve fair treatment and transparency, especially during stressful situations. That was not my experience here.