DTRIC Insurance Review
Established in 1992, DTRIC Insurance Company, Limited only writes insurance in the state of Hawaii. It was started because of the lack of insurance coverage in the state of Hawaii due to high claims rates and Hawaii’s strictly regulated no-fault laws.
Since its start, DTRIC has been through many changes in ownership and mergers. Unlike the insurance companies on the mainland that are taken over and merge with other companies in the same country, DTRIC’s changes in ownership have been on an international scale. DTRIC Insurance Company, Limited is currently a subsidiary of MS&AD Insurance Group Holdings, Inc. in Japan.
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Reviews (5)
Krystle
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Poor customer service. Hard to work with.
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G Takeshima
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I feel like DTRIC is a good insurance company, not a great one though. Luckily I haven’t had to use it but I have a cheaper rate because I work for a government agency. It’s also nice because I get my rates deducted from my paycheck pre-tax so it lowers my adjusted gross income. The company itself is a local company and has a local office which I can stop by if I need to. I have needed them to provide me insurance cards quickly and they were able to do that for me when I shipped my car to my parents. I’ve also added my home insurance and bundled them together to get a cheaper rate. They helped me get that quote together and figured out quickly. I have protection of my larger appliances as well since they have an appliance protection program for free.
Again, I haven’t had to use that part of the insurance but it’s always nice to know it’s there. My car insurance also has a deductible wipe-out program that I am signed up for. I have been claim free for over 5 years so my entire deductible is now at zero dollars. The program lets you decrease your deductible by one hundred dollars a year for every year you are claim free. Again, I haven’t had to file a claim but again, it’s nice to know that i won’t have to pay any money out of pocket if I get into an accident.
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G Takeshima
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I have had several car insurance companies throughout my time driving and so far DTRIC (which stands for Dai Tokyo Real Insurance Company) has been the most cost effective, helpful, and non-problematic company I have dealt with. They are a small local insurance company so they can assist their customers on a more personal level than can those larger insurance companies. I feel like a special customer when I need to get in touch with them. I have had to add and subtract vehicles from m policy and the customer service representatives are always very helpful; they’ve even lowered their prices for their policies without me asking because I had certain safety features installed on the car.
They also make paying them very simple because they’re a company that is allowed to take my insurance premiums from my paycheck so I never have to write them a check nor do I have to set up an electronic transfer from my bank. One less thing I really have to worry about. I’ve even received a “deductible wipeout” which decreases my deductible on a comprehensive claim from $500 to $0 since I’ve been claim free for 5 years. As I had said earlier, I’ve never had to file a claim with them so I’m not sure how simple the process is but from the simplicity of working and having them as an insurance company over the last 7 years I can only assume that it will not be a problem.
DTRIC functions as an insurance company should, I never have to think about them until I need them, and when I need them to do anything for me they do it without any complaint or justification.
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Greg
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I have had Dai Tokyo Realty Insurance Company (DTRIC) for about 5 years now and have not had a problem with them or their service. I fortunately haven’t had to jump through any hoops to start up my insurance policy. All I had to do from the start was call them to give them the information about my current car. They handled the rest are are more than willing to give me discounts on some of their rates. I have a homeowners policy with their sister company and that allows me to have stacked coverage and lowers my premiums even further.
I have had to change my types of policies as well as add and remove vehicles from my policy and DTRIC was always a pleasure to deal with. Their customer service reps were well trained and were always willing to help me out with what I needed. Even on short notice they got me my temporary insurance cards to me within one business day when I wanted to ship my car.
I even have Deductible Wipeout because I have been accident and claim free for the last five years. Every year they give me $100 off my deductible up to $500 for not claiming any accidents so that’s a cool incentive as well. I know insurance agencies are there to make money off of you when things are good and only have to pay up when things are bad but DTRIC seems to be quite a good company beyond just being there when times are bad.
DTRIC also is in collaboration with my union and I am able to get my insurance rates taken out of my paychecks. It helps me to not have to worry about all these other bills when the cost is deducted automatically.
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Greg T
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DTRIC is my insurance company for both automobile as well as homeowners insurance.
My car insurance rate is reasonable considering I have full coverage (comprehensive and collision protection). The main reason why I go through DTRIC is that my union that I work for has a program with them that allows me to take pre-tax dollars and that pays for my premiums.
Thus far DTRIC has been quite a good company to work with, they are quick to communicate, reply quickly to my questions, and send me cards quickly when they are coming due. I have had to deal with their claims center once, but I did not make a claim. My car was broken into but all that was stolen was my radio and speakers. The cost of the radio and speakers were less than the deductible so I didn’t make the claim. The claims adjuster advised that it wouldn’t make sense for me and at least she was on my side as a customer!
Their coverage includes free towing, free locksmith and free tire repair if it is ever needed as well. Their deductible wipeout is also a nice feature. Every year that you don’t have a claim they take $100 off your next deductible. My deductible started at $1000 and it’s now currently at $400 because of the deductible wipeout.
I have a sports car and in general those are much more pricey to insure but since I have a clean driving record they give me a very good break on my rate. They also have a few rate cuts because I have a security system installed, as well as ABS.
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