Industry Average: 75
Industry Average: 7.7
Industry Average: 8
Industry Average: 7
Founded as the Central Mutual Insurance Company in 1876, the Central Insurance Group of companies has evolved into a successful property and casualty group operating on a strong foundation of core values. Central Mutual writes auto insurance and homeowners on the personal side as well as business insurance policies, and they serve 24 states through local independent agents. Central Mutual offers some very good personal insurance policies, with the option for a lot of upgrades as well as a more basic, budget plan. If you want the personal service of an agent and seek value over the lowest price, they might be worth a look.
Lines of Business:
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 Central Mutual
|Available Option||What it means|
Loss of Use Coverage
Covers any additional living expenses, meaning any necessary expense that exceeds what you normally spend.
Emergency Assistance Coverage
Covers cost of any emergency services called when involved in an incident
Usually covers towing, battery service, flat tire service, fuel delivery, lockout service, and extrication.
Helps you pay for transportation expenses, such as a rental car or public transportation fare, while your own vehicle is being repaired after a covered insurance claim.
Helps pay off your auto loan if your car is totaled or stolen and you owe more than the car's depreciated value.
Original Equipment Manufacturer Coverage
Helps ensure aftermarket parts will not be used when repairs are made to your vehicle
Emergency Lockout Coverage
Service that helps you get back in your car if you locked them inside, or can’t find them.
While all companies offer a range of car insurance discounts, it's hard to judge any individual discount's value in a meaningful way. For one, the discounts are typically a percentage off the base price, instead of the whole policy.
What does this mean?
Your best bet is to directly discuss your particular situation with an agent to make sure you're getting all the discounts that you may be eligible for on your auto policy. For reference, we've listed all the discounts we believe Central Mutual has below in order to help determine which ones may fit your profile (though keep in mind that they can vary by state).
|Available Option||What it means||Discount Data|
Applies to vehicles with safety features such as automatic braking systems (ABS), airbags, or automatic seatbelts.
Anti Theft Device
This discount is for cars with alarms, and other theft deterrents. It typically only applies to comprehensive coverage however.
Tied to drivers on the policy and any accidents in their record. though insurers generally only consider the past 3 to 5 years.
How does Central Mutual compare to other insurance companies? Click the following links below to compare Central Mutual to other top insurance companies.