CIG Insurance Review & Ratings (2023)
CIG is a California-based insurance company that sells commercial, personal, and agricultural coverage. While CIG earned an A+ from the Better Business Bureau, customer reviews tend to be negative. The major complaint revolves around damage assessment and claims payouts. On the other hand, customers enjoy easy access to their policies with the CIG insurance login.
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UPDATED: Jun 28, 2022
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- CIG is a California-based insurance company that serves west coast residents
- The company started as farmer insurance, which they still offer today along with commercial and personal plans
- Information is hard to find for this smaller company, and the CIG website is extremely vague
- Most online reviews are negative, citing long damage assessment periods, claims denials, and agents that are hard to reach
As with many other American insurance companies, the Capital Insurance Group (CIG) company started selling insurance to farmers. CIG offers personal, agricultural, and commercial insurance products on the west coast.
CIG is more than just an insurance company, however. It wants to be a helpful figure in its communities, and as such, CIG is committed to giving back. They work with the American Red Cross, local safe driving initiatives, and emergency preparedness programs.
However, how does CIG insurance compare to its larger competitors? Online information about this smaller company is limited, but reviews often discuss a lack of customer service satisfaction.
If you live in one of the five states it operates in, CIG insurance rates may be the best option for you. However, you should always shop around to save as much as possible. Enter your ZIP code into our free tool today when you’re ready to see what quotes might look like for you.
What is CIG insurance?
CIG offers personal, commercial, and agricultural insurance products that claim to be easy to understand and straightforward. With plenty of customization and discount opportunities, CIG has an insurance option for just about everyone.
For personal insurance, CIG offers auto, homeowners, and renters insurance and umbrella to cover any gaps in your home liability. If you own your own business, you can buy commercial auto and special property insurance for any type of business you run.
Finally, you can still get farming insurance from CIG. It offers farm and ranch insurance as well as a Commercial AgriBusiness plan.
CIG Car Insurance
Information about what CIG covers for insurance is limited on its website, but it does say that it offers the same standard coverage as most other companies. With most companies, you can buy:
- Liability, which pays for damage you cause to other vehicles and people.
- Collision, for damage done to your car in an accident.
- Comprehensive, which covers damage done to your vehicle by means other than an accident such as weather or vandalism.
- Uninsured/underinsured motorist protects you from drivers with inadequate insurance.
- Medical payments or personal injury protection helps pay medical bills for you, your passengers, other drivers, and pedestrians.
CIG reportedly has a lot of discounts, including a bundling discount for combining home/renters and auto, as well as a good student discount. You’ll have to speak with an agent to find out how many discounts you’re eligible for.
CIG Homeowners and Renters Insurance
Like car insurance, CIG offers typical renters and home insurance plans. These include:
- Dwelling, for your home’s physical structure, including freestanding structures like garages, pools, and fences.
- Liability protects you if you are sued by a guest injured on your property.
- Personal belongings, for items inside your house like appliances, furniture, and even clothes.
CIG offers extended coverage for high-value items like jewelry, antiques, and sports equipment. You can sign up for extended fire coverage if you own a rental property. You can also add boat insurance for any watercraft you own through your home insurance.
You can buy add-ons like identity theft protection and mechanical breakdown costs through homeowners insurance.
CIG Commercial Insurance
For business owners of small companies or huge corporations, CIG has commercial insurance plans for every need. CIG strives to create personalized policies for business owners that maximize value and benefits.
- Commercial auto
- Apartment and condo coverage
- Office and administrative spaces
- Leased building coverage
- Retail liability coverage
- Hotel and restaurant insurance
- Warehouse spaces
You’ll have to speak with an agent to see what discounts are available to you and to set up a plan. However, CIG promises commercial plans tailored to your every need.
CIG Agricultural Insurance
As its final product, CIG still sells insurance to farmers. There are two types of agricultural insurance to explore: commercial agribusiness and farm and ranch insurance.
Commercial agribusiness protects your crop growing business. They have special plans for produce packers, olive growers, and vineyard owners.
Farm and ranch insurance covers everything that makes your business work. That includes farm equipment, animals, structures, and liability coverage. You can also purchase additional coverage for motorized vehicles you use on your farm.
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How does CIG insurance work?
Unlike some of the more prominent insurance companies out there, you need to speak with an agent if you want to buy CIG insurance.
In fact, the CIG website is notoriously vague about its insurance products. You can get a general idea of what you can purchase, but you can’t learn the details without calling in.
Once you have a policy, you can use the CIG login to access your policy (don’t get it confused with the CIG agent login, which will take you somewhere else). From there, you can see your policy information and make a CIG insurance payment.
How do you make a claim with CIG?
CIG promises an easy, straightforward claims process, stating that they want to enable communities to recover quickly after disasters.
The company also promises a fast response time if you need to make a claim after a natural disaster, such as wildfire damage. There are three ways you can file a claim:
- With the 24/7 phone number
- On the mobile app
An agent will evaluate your coverage and explain exactly what your insurance protects when filing a claim. If your home is temporarily unlivable, CIG will relocate you and your family.
After you’ve filed a claim, CIG assessors step in and begin the evaluation process. Once the complete damage has been evaluated and the total cost for your insurance payout has been determined, you’ll receive payment.
CIG Insurance Reviews
As far as professional ratings go, the Better Business Bureau gives CIG an A+.
Online reviews are hard to come by since CIG is a smaller company. However, the few posted reviews are mixed. Some customers enjoy CIG insurance, stating that customer service representatives are friendly and helpful and that policies are easy to understand.
Others state that the assessment process can drag on. A lot of disgruntled customers say that their claims were eventually denied after waiting weeks or even months for CIG to make a decision.
Is CIG insurance right for you?
As a smaller company, CIG has a lot to offer to west coast residents. However, information about policies is scarce, and reviews tend to be negative.
If you’re interested in affordable CIG insurance quotes, you’ll need to speak with an agent. Before you do that, you should shop other companies to see what prices might look like for you. Enter your ZIP code into our free tool to see what quotes might look like for you.