EMC Insurance Review & Ratings (2023)

This EMC Insurance Review will cover EMC Insurance ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. The EMC Insurance A.M. Best rating is A. To compare insurance rates from the best companies in your area, enter your ZIP code below.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Feb 14, 2023

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Company Details
Address: 717 Mulberry Street
City: Des Moines
State: IA
ZIP Code: 50309
Phone Number: (515) 280-2511
Fax: (515) 345-2895
Website: emcins.com
AM Best Rating: A
Company Rating 1.88 (10 reviews)

Overview of EMC Insurance

When it comes to choosing a car insurance provider, it’s important to find a reliable company, that offers competitive pricing and has a good reputation.

EMC Insurance is a provider that has been around for over 100 years and offers a range of insurance products, including coverage for personal vehicles and commercial businesses.

  • Offers insurance for commercial businesses as well as personal vehicles
  • Has been in business for over 100 years
  • Has an A- rating from A.M. Best

In this review, we’ll take a closer look at the company’s history and mission, the products and services they offer, discounts available to customers, and customer reviews.

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History and Mission of EMC Insurance

EMC Insurance was founded in 1911 as Employers Mutual Casualty Company. Its original mission was to provide workers’ compensation insurance to businesses in Iowa.

Over the years, the company expanded its product offerings to include a range of insurance products, including car insurance. In 1986, the company changed its name to EMC Insurance Companies to reflect its expanded offerings.

Today, the company’s mission is to provide high-quality insurance products and services to its customers while operating with integrity and a commitment to excellence.

EMC Insurance has a strong focus on risk management and loss control, which means that it works closely with its customers to help them identify and mitigate potential risks to prevent losses.

This approach allows the company to offer more competitive pricing and better service to its customers.

States Where EMC Insurance Offers Coverage

EMC Insurance operates in over 40 states in the US. The states where EMC Insurance provides coverage include:

Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, and Wisconsin.

It’s important to note that the specific coverage options and pricing may vary by state, so it’s a good idea to check with EMC Insurance or a licensed insurance agent in your state to get more information about the coverage options and pricing that are available to you.

Products and Services Offered at EMC Insurance

EMC Insurance offers a range of insurance products and services, including:

  • Car insurance: EMC Insurance offers car insurance coverage for personal and commercial vehicles. Policy options include liability, collision, comprehensive, uninsured/underinsured motorist coverage, and more.
  • Property insurance: EMC Insurance provides coverage for homes, condos, rental properties, and more. The company’s property insurance options include homeowners insurance, renters insurance, and dwelling fire insurance.
  • Business insurance: EMC Insurance offers a range of business insurance products, including workers’ compensation insurance, liability insurance, property insurance, and more. The company also provides risk management and loss control services to help businesses reduce their risk and prevent losses.
  • Life insurance: EMC Insurance offers term life insurance, universal life insurance, and whole life insurance to help customers protect their families and loved ones in the event of an unexpected death.
  • Specialty insurance: EMC Insurance provides specialty insurance products, such as cyber liability insurance, professional liability insurance, and umbrella insurance. These products are designed to provide coverage for unique or specialized risks that may not be covered by standard insurance policies.

EMC Insurance’s products and services are offered at competitive prices, and the company provides excellent customer service to help customers find the right coverage for their needs.

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Cost of EMC Insurance

The cost of insurance from EMC Insurance can vary depending on several factors, including the type of insurance you are looking for, the coverage limits you need, your driving record, the type of vehicle you own, and more.

That being said, EMC Insurance is known for providing competitive pricing and affordable rates for its customers.

One way to get an idea of the cost of insurance from EMC Insurance is to request a quote. You can do this online through the company’s website or by contacting an independent insurance agent in your area who works with EMC Insurance.

By providing some basic information about yourself and your insurance needs, you can get a personalized quote that will give you an idea of what your insurance premiums might be.

Discounts Available at EMC Insurance

EMC Insurance offers several discounts to help customers save money on their insurance premiums. These discounts can vary by state, but here are some of the most common ones:

  • Multi-policy discount: Customers who have multiple insurance policies with EMC Insurance (such as car and homeowners insurance) can save money on their premiums.
  • Safe driver discount: Customers who have a good driving record (without any accidents or traffic violations) can save money on their car insurance premiums.
  • Good student discount: Students who maintain a high-grade point average (usually a “B” or higher) can save money on their car insurance premiums.
  • Anti-theft device discount: Customers who install anti-theft devices (such as an alarm or tracking system) in their vehicles can save money on their car insurance premiums.
  • Pay-in-full discount: Customers who pay their entire insurance premium upfront (rather than in monthly installments) can save money on their premiums.
  • New car discount: Customers who insure a new vehicle can often qualify for a discount on their car insurance premiums.

These are just a few examples of the discounts that EMC Insurance offers. Customers should check with the company or a licensed insurance agent to see what discounts are available in their state and how they can qualify for them.

Customer Reviews of EMC Insurance

Customer reviews of EMC Insurance are generally positive. The company has an A- rating from A.M. Best, which indicates that it has a good financial standing and can meet its obligations to its customers.

Customers have praised the company for its competitive pricing and helpful customer service.

However, some customers have noted that the claims process can be slow and that the company’s website is not always user-friendly.

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Roundup: EMC Insurance

EMC Insurance is a well-established car insurance provider that offers a range of coverage options for both personal and commercial vehicles.

The company has a good reputation and offers several discounts to its customers. While there have been some complaints about the claims process and website functionality, overall the company seems to provide quality products and services to its customers.

If you’re in the market for car insurance, it may be worth considering EMC Insurance as an option.

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