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West Bend Mutual Car Insurance

Smart Score

86

Industry Average: 75

Smart Score

86
/100

Industry Average: 75

Customer Service

8.5
/10

Industry Average: 7.7

Claims Process

9.9
/10

Industry Average: 8

Value for Price

7
/10

Industry Average: 7

West Bend Mutual Overview

For more than 125 years, West Bend has been providing valuable insurance coverages and services to home and auto owners, as well as business owners. Founded in Wisconsin, the company has since expanded beyond Wisconsin and serves customers in Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nebraska, and Ohio as well. It would be a better choice for the drivers who need both auto and home insurance coverage, and would benefit from centralized payment and policy management, and safe drivers who qualify for discounts and cash back through car safety features, clean driving records, and continued driver’s education.

Lines of Business:

West Bend Mutual Ratings Breakdown

Smart Score

86

West Bend Mutua: 86
Industry Average: 75
West Bend Mutua: 86
Industry Average: 75

Why our Smart Score matters

West Bend Mutual’s Smart Score of 86 was created by combining weighted averages of ratings for customer service, claims process, and value for price from 3rd party sources as well as our own research. We view these as the most important factors since they cover the entire experience of shopping for, maintaining, and making a claim on an insurance policy.


How our Smart Score is calculated

Data comes from customer reviews, officially filed complaints, financial stability data, and other insurance industry rating companies. Combining these metrics and sources provides the most accurate and broad-based analysis of what matters most when considering West Bend Mutual’s overall quality compared to other auto insurers. While there is some overlap between our three primary metrics, each has unique characteristics that set them apart from each other.


What does this mean for you?

With a score of 86, West Bend Mutual rises above the industry average of 75. While this metric isn’t the be-all and end-all, it’s definitely a good point of reference when comparing auto insurance options.

Customer Service

8.5

West Bend Mutua: 8.5
Industry Average: 7.7
West Bend Mutua: 8.5
Industry Average: 7.7

Our customer service score measures two primary things: user satisfaction when interacting with West Bend Mutual’s representatives, and their experience with online tools like quoting and managing a policy via website or app. West Bend Mutual’s customer service score comes from a variety of places. These include user reviews on Honest Policy, as well as other analytics companies such as JD Power, Insure.com, and Consumer Reports.


What does this mean for you?

As you can see from West Bend Mutual’s service score of 8.5, they have a solid rating compared to similar auto insurance companies, which clock in at an average of 7.7.


With minimal sources reporting customer service data for this company, we can’t calculate the estimated range. Consequently, we’re not certain about the accuracy of this score, but it’s the closest estimate we have.

Claims Process

9.9

West Bend Mutua: 9.9
Industry Average: 8
West Bend Mutua: 9.9
Industry Average: 8

Our claims process score looks at users' experiences when filing claims with West Bend Mutual. It takes into account not only claim outcomes, but also the ease of making and tracking a claim, as well as how fast West Bend Mutual handles it.


West Bend Mutual’s claim score is derived from various sources. These include reviews from Honest Policy users, and outside sources including Consumer Reports, Insure.com and JD Power. We round off our calculation with official complaints filed with the National Association of Insurance Commissioners (which primarily are claim related). These complaints are weighted against the size of each company to ensure an apples-to-apples comparison. This gives our claim score the most complete picture of what to expect when filing a claim with West Bend Mutual.


What does this mean for you?

Evident from a claims score of 9.9, West Bend Mutual has an outstanding rating compared to the average claim score of 8 for similar auto insurance companies.


With minimal sources reporting claims quality data for this company, we can’t calculate an estimated range. Thus, we can’t be certain about the accuracy of this score, it’s just our best estimate.

Value for Price

7

West Bend Mutua: 7
Industry Average: 7
West Bend Mutua: 7
Industry Average: 7

West Bend Mutual’s value score measures customer satisfaction when considering how much they pay versus the quality of their experience when dealing with the company.


How West Bend Mutual comes up with the price of a policy varies by state, and relates to a number of different factors. Some of these include driving record, how much you use your car, location, age, gender, and the car you drive. While price is a critical factor for most insurance customers, what they get for that money is even more important. As with our other scores, this rating comes from a variety of sources: Honest Policy, JD Power, Insure.com, Clearsurance, and Consumer Reports.


What does this mean for you?

West Bend Mutual’s value for price score of 7 is excellent compared to the average of 7 from other auto insurance companies.

The ratings between sources vary a lot. Calculating with the given range and number of sources reporting, we’re almost certain the true score lies between 5.2 and 8.8. With those wide bounds, we’re only mildly confident about the accuracy of their rating.

West Bend Mutual Auto Official Complaints

Official Complaints

Better than average

Tracks how many more or less official complaints West Bend Mutual has than average. With an index of 0.16 West Bend Mutual is better than average.


The complaint index comes from two variables for each year and type of insurance.

  • The percentage of how many complaints West Bend Mutual has filed against them with the National Association of Insurance Commissioners (NAIC) compared to the total number of complaints filed with every company.

  • The percentage of how much insurance business (total policy premiums) West Bend Mutual has compared to the total amount of business of all the other companies.

By weighting complaints and business against their totals, and then dividing share of compliants by share of the market, we get the index value. With 1.0 being an average number of complaints, a 0.5 would be half as many complaints. With an index of 0.16 West Bend Mutual is better than average.

Customer Reviews

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Out of 5

0 Reviews

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100%

of customers would reccomend this company to a friend

1 customer reviews

Caleb Horst

Auto Customer

I had an auto accident back in 2014 where my older Cavalier was totaled when another vehicle pulled out in front of me. It was not my fault and the other drivers liability insurance had full coverage for my vehicle, but I chose to use a claim against my policy. West Bend claims was very friendly, helpful, and they managed to get me a check in a record time!

Price Value: 3

Claim Satisfaction: 5

Customer Service: 4

Recommend: yes

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West Bend Mutual Coverage Options

When it comes to thier car, everyone has a different situation and differing needs for protection. While every auto insurer offers the same standard coverages. they tend to differ when it comes to what they offer or optional additional protections. Below we list and describe all the extras offered by West Bend Mutual

Available OptionsWhat it meansSee something wrong?
Roadside Assistance

Usually covers towing, battery service, flat tire service, fuel delivery, lockout service, and extrication.

Antique or Collector Car Insurance

Special insurance for antique and collectors cars.

Emergency Lockout Coverage

Service that helps you get back in your car if you locked them inside, or can’t find them.

West Bend Mutual availability in these states

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