Bear River Mutual Insurance Review & Ratings (2024)

Find the right insurance solutions for your needs with Bear River Mutual Insurance: Comprehensive coverage, competitive rates, and exceptional customer service to safeguard what matters most to you. Explore their diverse range of insurance products and request a quote to secure your future today! Access the best insurance coverage with Bear River Mutual Insurance company's affordable options and exceptional service. Protect your assets and get peace of mind.

UPDATED: Dec 3, 2023Fact Checked

Melissa Morris

Professor of Nutrition & Kinesiology

Melissa Morris has a BS and MS in exercise science and a doctorate in educational leadership. She is an ACSM certified exercise physiologist and an ISSN certified sports nutritionist. She teaches nutrition and applied kinesiology at the University of Tampa. She has been featured on Yahoo, HuffPost, Eat This, Bulletproof, LIVESTRONG, Toast Fried, The Trusty Spotter, Best Company, Healthl...

Professor of Nutrition & Kinesiology

Schimri Yoyo

Licensed Agent & Financial Advisor

Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity.  Schimri is an educator eager to assist individuals and families in ...

Licensed Agent & Financial Advisor

UPDATED: Dec 3, 2023

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

UPDATED: Dec 3, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Dec 3, 2023Fact Checked
3.8
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Bear River Mutual Insurance

Average monthly rate for good drivers:

N/A

A.M. Best rating:

A-

Complaint level:

Low

Pros

  • Competitive rates compared to larger insurers
  • Emphasis on rewarding safe drivers with discounts
  • Local presence and commitment to exceptional customer service

Cons

  • Mixed customer feedback on claims process
  • Limited coverage area in specific regions
  • A.M. Best rating downgrade to A-

Final Verdict: Review of Bear River Mutual Insurance

Bear River Mutual Insurance reveals a company dedicated to providing comprehensive coverage options while prioritizing affordability and customer service. Specializing in auto, home, and business insurance, Bear River Mutual offers a range of tailored solutions designed to protect policyholders’ assets and provide peace of mind.

Ultimately, Bear River Mutual Insurance stands as a reputable regional insurer, offering tailored coverage options, competitive rates, and a commitment to customer satisfaction. By understanding its diverse offerings and dedication to customer-centric values, policyholders can confidently secure their future while trusting Bear River Mutual to safeguard what matters most.

If you live in Utah and you have a clean driving record, Bear River Insurance might be the best option for you. With a reputation for committing to its traditions and low insurance rates, Bear River Mutual has many customers that stay for life.

If you’re looking for affordable Bear River Mutual quotes, you should consider comparing them to other companies. If you’re ready to see what quotes might look like for you, enter your ZIP code into our free tool today.

 

What You Should Know About Bear River Mutual Insurance Company

Welcome to our comprehensive guide on Bear River Mutual Insurance and its range of insurance solutions. Whether you’re looking for auto, home, or other types of insurance coverage, Bear River Mutual Insurance has got you covered.

  • Bear River Mutual offers car, homeowners, dwelling, rental, and umbrella insurance to residents of Utah
  • Rates tend to be cheaper, but Bear River Mutual only writes policies for drivers with excellent driving histories
  • Reviews tend to be split, with some customers saying they will stick with Bear River Mutual for life and others saying the company is terrible

Take the first step in securing your future by entering your zip code and comparing rates from the best insurance providers in your area. Don’t wait any longer – let Bear River Mutual Insurance be your trusted partner in protecting what matters most to you.

Bear River Mutual Insurance Company Insurance Coverage Options

Bear River Mutual stands as a reliable ally in safeguarding what matters most. Join us as we delve into their array of coverage options and discover how this company strives to protect individuals, families, and businesses.

  • Liability Coverage: Protects you if you’re at fault in an accident and covers bodily injury and property damage to others.
  • Collision Coverage: Pays for repairs to your vehicle in case of collision-related damages.
  • Comprehensive Coverage: Covers non-collision incidents like theft, vandalism, natural disasters, and more.
  • Uninsured/Underinsured Motorist Coverage: Protects you if you’re involved in an accident with a driver who has insufficient or no insurance.
  • Dwelling Coverage: Protects the structure of your home from covered perils like fire, theft, or vandalism.
  • Personal Property Coverage: Covers belongings inside your home, like furniture, electronics, clothing, etc.
  • Liability Coverage: Protects you in case someone is injured or their property is damaged, and you’re held responsible.
  • Additional Living Expenses (ALE): Covers costs if your home becomes uninhabitable due to covered perils.
  • Property Damage Coverage: Protects business property from damages due to covered events.
  • Liability Coverage: Covers legal expenses if your business is sued for bodily injury or property damage.
  • Loss of Income Coverage: Provides financial protection if your business experiences a loss of income due to covered perils.
  • Motor Home/RV/Trailer Insurance: Offers specialized coverage for recreational vehicles.

Whether it’s the diverse coverage options for auto, home, business, or specialized vehicles, Bear River Mutual emphasizes reliability and affordability. Remember, protecting your future is paramount, and with Bear River Mutual, you’re not just securing insurance; you’re securing peace of mind for what lies ahead.

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Bear River Mutual Insurance Company Insurance Rates Breakdown

Bear River Mutual Insurance is known for competitive rates, offering affordable insurance options to policyholders. While specific rates can vary based on individual circumstances, the company generally aims to provide cost-effective coverage across its product lines, including auto, home, and business insurance.

  • Driving Record: A clean driving history typically results in lower premiums. Policyholders with a history of accidents or traffic violations may face higher rates.
  • Age and Experience: Younger, inexperienced drivers may incur higher premiums due to perceived higher risk. Conversely, older and more experienced drivers might enjoy lower rates.
  • Vehicle Type: The type of vehicle being insured, its make, model, and safety features can impact insurance rates. Safer and less expensive-to-repair vehicles may result in lower premiums.
  • Location: Where policyholders live can affect rates. Urban areas or regions with higher rates of accidents or theft might lead to higher premiums.
  • Credit History: In some cases, credit history may be considered as a factor influencing insurance rates. Good credit may lead to lower premiums.
  • Coverage and Deductibles: The level of coverage selected and chosen deductibles can impact premiums. Higher coverage limits or lower deductibles may lead to higher premiums.

By strategically incorporating internal links throughout the content, Bear River Mutual Insurance can effectively guide users to relevant information, educate them on rate determinants, and potentially enhance their overall user experience.

Bear River Mutual Insurance Company Discounts Available

Bear River Mutual stands committed to offering cost-effective solutions without compromising coverage. Join us as we explore the various discounts this reputable insurer provides across its policies, empowering individuals, families, and businesses to secure quality insurance while keeping expenses manageable.

  • Safe Driver Discounts: Rewards policyholders with a clean driving record, free from accidents or traffic violations over a certain period.
  • Multi-Policy Discount: Savings for customers who bundle multiple insurance policies, such as combining auto and home insurance.
  • Good Student Discount: Offered to young drivers or students who maintain good grades or demonstrate academic excellence.
  • Vehicle Safety Features Discount: Discounts for vehicles equipped with safety features such as anti-lock brakes, airbags, and anti-theft systems.
  • Home Safety and Security Discounts: Savings for homeowners with security systems, smoke alarms, or other safety features installed in their homes.
  • Full Payment Discount: Incentives for policyholders who pay their premiums in full upfront rather than through installments.
  • Claim-Free Discounts: Rewards policyholders who haven’t filed claims during a specified period with reduced premiums.
  • Mature Driver Discount: Discounted rates for older drivers who have completed a defensive driving course or demonstrate safe driving habits.
  • Renewal Discounts: Incentives for policyholders who renew their policies with Bear River Mutual Insurance.
  • Membership or Affiliation Discounts: Discounts for policyholders who belong to certain organizations or affiliations that Bear River Mutual recognizes.

Bear River Mutual Insurance discounts, it’s evident that the company prioritizes rewarding responsible behavior and offering savings to its policyholders. Whether it’s through safe driving discounts, multi-policy bundling benefits, or incentives for maintaining secure homes, Bear River Mutual stands committed to making insurance more affordable and accessible.

Bear River Mutual Insurance Effortless Claims Process

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Bear River Mutual Insurance offers various convenient options for filing claims, ensuring a hassle-free experience for policyholders. You can file a claim through their user-friendly online portal, over the phone, or by using their dedicated mobile app. This flexibility allows you to choose the method that suits you best, making the claims process accessible and efficient.

Average Claim Processing Time

The speed at which insurance claims are processed can greatly impact a policyholder’s satisfaction. While specific processing times may vary depending on the nature of the claim, Bear River Mutual Insurance aims to provide timely service.

However, it’s essential to note that claim processing times can be influenced by factors beyond the insurer’s control, such as the complexity of the claim and the availability of required documentation.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is a valuable indicator of an insurer’s performance in handling claims. Bear River Mutual Insurance has received mixed feedback from customers regarding their claim resolutions and payouts.

Some policyholders have expressed satisfaction with the company’s service, while others have reported issues, particularly related to confusion during the claims process, interactions with assessors, and sudden policy cancellations after filing a claim. As with any insurance provider, it’s advisable to thoroughly review customer feedback and consult with an agent to address any concerns before making a decision.

Unveiling Cutting-Edge Digital and Technological Features by Bear River Mutual Insurance

Mobile App Features and Functionality

Bear River Mutual Insurance offers a mobile app designed to enhance policyholder convenience. The app provides various features and functionalities, allowing users to access their policies, make payments, and initiate the claims process seamlessly. It serves as a valuable tool for managing insurance-related tasks on the go, contributing to a more efficient and user-friendly experience.

Online Account Management Capabilities

In addition to their mobile app, Bear River Mutual Insurance offers robust online account management capabilities through their website. Policyholders can access their accounts, review policy details, make payments, and update information online. This digital platform simplifies policy management, offering policyholders greater control and flexibility over their insurance coverage.

Digital Tools and Resources

Bear River Mutual Insurance provides policyholders with a range of digital tools and resources to support their insurance needs. These resources may include educational materials, FAQs, and calculators to help policyholders make informed decisions about their coverage.

These digital tools empower customers with the knowledge needed to navigate the complexities of insurance and choose the right options for their specific requirements.

How Bear River Mutual Insurance Company Ranks Among Providers

Bear River Mutual faces competition from several key players. Join us as we delve into the profiles of these industry competitors, each vying to capture the attention and trust of customers by offering a spectrum of insurance products and services.

  • State Farm: A widely recognized insurance provider with a diverse range of insurance products including auto, home, life, and more. State Farm is known for its extensive network of agents and customer service.
  • Farmers Insurance: Another prominent insurer offering various insurance products, including auto, home, life, and business insurance. Farmers Insurance often emphasizes customizable coverage options.
  • Allstate: Known for its wide range of insurance offerings and innovative features, Allstate provides coverage for auto, home, life, and more. It focuses on customer convenience through digital tools and resources.
  • Progressive: A major player in the insurance industry, Progressive offers competitive rates, especially in the auto insurance sector. It’s recognized for its user-friendly online platform and tools.
  • GEICO: Known for its extensive advertising and competitive rates, GEICO is particularly strong in the auto insurance market. It offers a range of discounts and online services.
  • USAA: While serving a more limited customer base (primarily military members and their families), USAA is known for exceptional customer service and a wide array of insurance and financial products.

Bear River Mutual navigates this competitive terrain by focusing on local presence, affordability, and top-notch customer service, carving its niche in the regional market. Understanding the competitive dynamics helps customers make informed choices, ensuring they find insurance solutions tailored to their unique requirements.

Bear River Mutual Ratings

As with most smaller companies, Bear River Mutual doesn’t stand up to the major insurance companies in America. If you want the best possible professional ratings, it might be best to look elsewhere. The Better Business Bureau grants Bear River Mutual an A- and it has one out of five stars for the few reviews on the site.

A.M. Best has recently downgraded Bear River Mutual’s financial strength rating to an A-. According to A.M. Best, turning a profit has been a struggle for Bear River since 2015. In general, customers tend to either love or hate the company. Some customers stay for life, citing a strong sense of family. Others are less pleased with Bear River Mutual’s customer service.

The claims process tends to be the source of most complaints. This includes customer confusion about proceeding with their claim, rude assessor interactions, and policies being dropped without notice after a customer’s first claim.

On the positive side, customers like QuickPay, Bear River Mutual’s online portal. QuickPay makes paying your bill convenient and straightforward. Additionally, you can use your Bear River insurance login to access your policy and start the claims process.

Frequently Asked Questions

What is Bear River Mutual Insurance?

Bear River Mutual Insurance is a Utah-based insurance company that provides auto, home, and business insurance to individuals and businesses in Utah, Idaho, and Wyoming. Bear River Mutual Insurance is a mutual insurance company, which means that it is owned by its policyholders rather than by shareholders.

How can I contact Bear River Mutual Insurance?

You can contact Bear River Mutual Insurance by phone at (800) 866-2727 or by email at [email protected]. You can also visit their website at www.bearrivermutual.com for more information.

What types of insurance does Bear River Mutual Insurance offer?

Bear River Mutual Insurance offers a variety of insurance products, including auto insurance, home insurance, and business insurance. Their auto insurance policies provide coverage for liability, collision, comprehensive, and uninsured/underinsured motorist coverage.

 

Their home insurance policies provide coverage for your home and personal belongings, as well as liability coverage. Their business insurance policies provide coverage for property damage, liability, and loss of income.

What is auto insurance?

Auto insurance is a type of insurance that provides coverage for your vehicle and liability coverage in the event that you are involved in an accident. Auto insurance can help you pay for repairs or replacement of your vehicle, as well as any damages or injuries that you may cause to others.

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Melissa Morris

Professor of Nutrition & Kinesiology

Melissa Morris has a BS and MS in exercise science and a doctorate in educational leadership. She is an ACSM certified exercise physiologist and an ISSN certified sports nutritionist. She teaches nutrition and applied kinesiology at the University of Tampa. She has been featured on Yahoo, HuffPost, Eat This, Bulletproof, LIVESTRONG, Toast Fried, The Trusty Spotter, Best Company, Healthl...

Professor of Nutrition & Kinesiology

Schimri Yoyo

Licensed Agent & Financial Advisor

Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity.  Schimri is an educator eager to assist individuals and families in ...

Licensed Agent & Financial Advisor

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

Reviews
for Bear River Mutual Insurance Company

3.80 (59 reviews)
1
June 28, 2023

phillidj17

Policy Increase of $300+ with no change in coverage or claim

I have not heard from anyone in literally years. The convenience concerning insurance is great, but let's face it, ultimately this is a business about relationships--convenience is great, but maybe check in, like, once a year? My gripe though is that my policy increased +$300, and I was never informed. No one called to discuss this with me, etc. No coverage change--again, hadn't talked to anyone in years, so.... Also, there feature of sending t...
I have not heard from anyone in literally years. The convenience concerning insurance is great, but let's face it, ultimately this is a business about relationships--convenience is great, but maybe check in, like, once a year? My gripe though is that my policy increased +$300, and I was never informed. No one called to discuss this with me, etc. No coverage change--again, hadn't talked to anyone in years, so.... Also, there feature of sending them an email--the 'Contact Us' feature seems to be broken. Just my opinion, but this is not a good business practice and will aggravate people.
1
December 14, 2020

Ian501

The insurance who stole Christmas 2020

This is going to sound like another angry guy on the internet and probably go unnoticed but these guys are crooks. We had auto insurance with them and set up monthly payments. Everything was great until they forgot to take the deposit. No big deal, things happen. Then we got a letter saying we were set up for tri payments (meaning not monthly, just 3 lump sums). So we called and they said it was fixed. Fast forward to 3 weeks before Christmas a...
This is going to sound like another angry guy on the internet and probably go unnoticed but these guys are crooks. We had auto insurance with them and set up monthly payments. Everything was great until they forgot to take the deposit. No big deal, things happen. Then we got a letter saying we were set up for tri payments (meaning not monthly, just 3 lump sums). So we called and they said it was fixed. Fast forward to 3 weeks before Christmas and suddenly my checking account is in the negative... by a LOT. Which is unsettling because my wife and I are quite responsible about not running out of money but having just moved and well it being the luck of our year Covid 2020, we didn't have a savings built up again yet. So I moved any remaining money we had to make sure we weren't in the negative and contacted them immediately expecting to get some form of results. I was told a check could be sent in the mail 14 from that time. I have other bills to pay, food to put on the table and having just lost my whole last 2 paychecks I didn't forsee the next one providing food either. I got in contact with every living being that I could through them but all I got was, "I'm sorry it's just our system." Not something you tell a customer by the way because a system error started with a person error. As if that weren't enough they said, "we never took out your deposit so we are going to do that now for an estimated 240$." WHAT!?! So Im not only apparently made of money but am just supposed to be okay with that? Needless to say it is now Monday December 14th, after running on a goose chase, I have no gas money, no food money and other bills are still hitting the now again negative account and I just got a call from your friendly local Bear River. After working out that I could pick up a refund check this morning at 9:30 I get a call at 8:30 saying "due to weekend crew we don't have your check yet." So again the blame goes somewhere else and I am left without food, a way to pay my bills and now Christmas is ruined. I have work at 2 and now walk because I saved the last bit of gas to make the 30min trip out to their office to pick up this check. This has been [REDACTED WORD] and I have never dealt with such dishonesty or immortality when it comes to stepping on the little guy who is just trying to get back up from the year 2020 and have even a semblance of a small Christmas for his family. DO NOT USE BEAR RIVER. These are not freak accidents, they will happen again and next time it could be you. So pay attention, they will lie to your face and put everything off till its too late. Thanks Bear River, for making my family starve and stress over your negligence and mistakes. I will never forget this.
4
May 3, 2020

hayter

to high for 2

they have been great but I do think that there auto insurance for 2 people is high. I know when we first started with them that our insurance prices was great but once we hit our 1 year mark our price went up and we still don't know why
1
January 23, 2020

Doug911

BAD FAITH, HUGE MISTAKE!!!!

OH BOY where should I start!!! My wife and I signed up with bear river 13 years ago and have paid them every month, never late. On September 6, 2019 my vehicle was stolen from my apartment complex, I filed a police report the next day and also filed my claim with Bear River. My homeowners insurance was great to work with but Bear River Mutual refuses to except responsibility for the vehicle that was found upside down in a river one month after i...
OH BOY where should I start!!! My wife and I signed up with bear river 13 years ago and have paid them every month, never late. On September 6, 2019 my vehicle was stolen from my apartment complex, I filed a police report the next day and also filed my claim with Bear River. My homeowners insurance was great to work with but Bear River Mutual refuses to except responsibility for the vehicle that was found upside down in a river one month after it was stolen and I am still making my truck payments 5 months later and also have been paying for a vehicle rental for 5 months now and have wasted approximately $10,000. The insurance adjuster has been extremely unremorseful has hung up on me during mid conversation, unapologetic, unempathetic and a total jerk during the process they have been investigating the situation and have exhausted every time frame for every aspect of the process. They have treated me like a total criminal throughout their entire investigation I would definitely look elsewhere for insurance, they are crooks. They are happy to send you an envelope to put money in but God for bid something out of the ordinary happens to your vehicle .25 stars. To tell you the truth I hope they deny my claim so I can sue the heck out of them for bad faith and breach of contract.
5
December 17, 2019

Jimmer32

Helpful

He’s been awesome to work with. Very helpful with all our needs. Easy to get a hold of too, which makes everything go smoothly.
4
August 18, 2019

Kelly21

Bear River is the cheapest

It’s been good, best rates O have been able to find. They have been increasing my premium every yearly renewal, & I haven’t had any violations or claims.
5
June 11, 2019

cristianac

Bear River is LIFE !

Bear River is an amazing company to work with ! They take time to listen to your concerns and answer questions, and you cant beat their rates !
3
May 18, 2019

youngndumb

The Silent Treatment

Bear River was alright, until they started putting me on hold and never getting back to my call. When I got in my last accident, there was an issue with payment, so I got on the line with their help center multiple times. Each time I was put on hold, and never got back to.
1
April 15, 2019

Timp13

Bear River Mutual = Insuracare (not a good thing)

Very poor experience. If you've seen Mr. Incredible's experience working for InsuraCare, you know what I've experienced. Bear River ignored and delayed a claim I was involved with in which their client was cited. They placed me on hold for extended periods, never returned voicemails, committed to return my call same day and never did, represented that they would escalate my issue and never did, etc. But they did send me a handwritten note thankin...
Very poor experience. If you've seen Mr. Incredible's experience working for InsuraCare, you know what I've experienced. Bear River ignored and delayed a claim I was involved with in which their client was cited. They placed me on hold for extended periods, never returned voicemails, committed to return my call same day and never did, represented that they would escalate my issue and never did, etc. But they did send me a handwritten note thanking me for my call ... bizarre! Ignore, delay, deny - that appears to be their modus operandi when they realize they are on the hook for a claim payment. Meanwhile, my car is totalled and I have no advocacy or recourse short of engaging an attorney. Avoid them like you would Insuracare!
4
December 31, 2018

zigwriter2

Saving money....

I haven't had a claim with this company, but they have saved me so much money over the past year. I have been treated very respectful and am happy so far.
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