Industry Average: 75
Industry Average: 7.7
Industry Average: 8
Industry Average: 7
Utica Mutual Insurance Company, founded in 1914, is a member of the trade name company, Utica National Insurance Group, along with nine other companies. Utica National is a group of companies known mainly for business insurance, but offering several lines of individual insurance as well. Utica Mutual currently sells its products through its network of more than 2,200 independent agents. A solid auto insurance program with plenty of features is the central attraction in their personal lines products, and the long list of discounts is certainly appealing. Those who are looking for the service of an agent, and willing to pay a little more for that service, should consider Utica.
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 Utica
|Available Option||What it means|
Emergency Assistance Coverage
Covers cost of any emergency services called when involved in an incident
Helps pay off your auto loan if your car is totaled or stolen and you owe more than the car's depreciated value.
New Car Replacement Coverage
Pays the value of a brand new car of the same make and model of the your car if your car is declared a total loss.
If your pet is injured in an accident, this insurance will cover their expenses.
Protects your driving record from being affected by the insurance company's rating system for an at-fault accident, thus preventing your insurance premium from going up due to this type of accident.
Airbag Replacement Coverage
Covers your replacement airbags and labor should they need replacement
An option on your insurance that rewards the driver with a smaller deductible each year they do not get into an accident.
While all companies offer a range of auto 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 Utica 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.
While insurers are out to protect drivers, they also need to make money, and they tend to make more when a customer has multiple products (policies) with them. As a result, they can offer savings when drivers pair their car policy with another (home, renters, umbrella, etc.) policy.
How does Utica compare to other insurance companies? Click the following links below to compare Utica to other top insurance companies.