Golden State Mutual Insurance Review & Ratings (2023)

If you’re looking for car insurance, you might want to consider Golden State Mutual insurance. This car insurance company has a long history and offers a range of products and services to customers across several states.

In this article, we will take a closer look at Golden State Mutual insurance, including its history, mission, products and services, pricing, discounts, and customer reviews. By the end of this article, you will have a better understanding of whether Golden State Mutual insurance is the right car insurance company for you.

Highlights of Golden State Mutual Insurance:

• Offers a range of car insurance products and services to customers
• Has been in business for over 90 years
• Offers competitive pricing and a variety of discounts to customers

Golden State Mutual Insurance is a car insurance company with a long history of providing quality insurance products and services to customers. The company was founded in 1925 in Los Angeles, California, and has since grown to become one of the most respected car insurance companies in the state.

Golden State Mutual insurance offers a range of car insurance products and services, including liability insurance, collision insurance, and comprehensive insurance. They also offer competitive pricing and a variety of discounts to help customers save money on their car insurance premiums.

Golden State Mutual Insurance History and Mission

Golden State Mutual Insurance was founded in 1925 by William Nickerson Jr., who believed that African Americans needed better access to affordable car insurance.

At the time, many insurance companies were either charging exorbitant rates or refusing to insure African Americans altogether. Nickerson’s vision was to create an insurance company that would serve African Americans’ needs and provides them with quality insurance products and services.

Today, Golden State Mutual Insurance remains committed to its mission of providing quality insurance products and services to customers. The company has expanded its offerings to include a range of car insurance products and services that meet the needs of customers in several states.

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Products and Services That Golden State Mutual Insurance Offers

Golden State Mutual Insurance offers a range of car insurance products and services to customers. Some of the main products and services that they offer include:

• Liability insurance: This is a type of insurance that covers the costs of any damage or injuries you cause to others in an accident. Liability insurance is required by law in most states.
• Collision insurance: This type of insurance covers the costs of repairs or replacement if your car is damaged in an accident. Collision insurance is not required by law but is often recommended, especially if you have a newer car.
• Comprehensive insurance: This type of insurance covers the costs of repairs or replacement if your car is damaged or stolen outside of an accident. Comprehensive insurance is also not required by law but is recommended, especially if you live in an area with a high risk of theft or damage from natural disasters.
• Uninsured/underinsured motorist coverage: This type of insurance covers the costs of damage or injuries if you are involved in an accident with someone who does not have enough insurance to cover the costs. This type of insurance is not required by law in all states, but it is often recommended.
• Personal injury protection (PIP): This type of insurance covers medical expenses and lost wages for you and your passengers if you are involved in an accident, regardless of who is at fault. PIP insurance is required by law in some states.
• Roadside assistance: This is an optional service that provides assistance if your car breaks down on the side of the road. Roadside assistance can include services such as towing, fuel delivery, and lockout assistance.
• Rental reimbursement: This is an optional service that covers the costs of renting a car if your car is in the shop for repairs due to an accident.

Cost of Golden State Mutual Insurance

The cost of car insurance from Golden State Mutual Insurance can vary based on a variety of factors, including your driving history, the type of car you drive, where you live, and the coverage options you choose.

Here are some general factors that can impact the cost of car insurance from Golden State Mutual Insurance:

• Age: Young drivers typically pay more for car insurance than older drivers.
• Driving record: Drivers with a clean driving record will typically pay less for car insurance than those with a history of accidents or traffic violations.
• Type of car: The make, model, and year of your car can impact the cost of car insurance. More expensive or newer cars can be more expensive to insure.
• Coverage limits: The amount of coverage you choose can impact the cost of your car insurance. Higher coverage limits will typically result in a higher premium.
• Deductible: The amount of your deductible can also impact the cost of your car insurance. A higher deductible will result in a lower premium, but you will pay more out of pocket if you have an accident.

Golden State Mutual Insurance Discounts Available

Golden State Mutual Insurance offers a variety of discounts to help customers save money on their car insurance premiums. Some of the discounts that may be available include:

• Multi-car discount: If you insure more than one car with Golden State Mutual Insurance, you may be eligible for a multi-car discount.
• Safe driver discount: If you have a clean driving record with no accidents or violations, you may be eligible for a safe driver discount.
• Good student discount: If you are a student with good grades, you may be eligible for a good student discount.
• Defensive driving course discount: If you have completed a defensive driving course, you may be eligible for a discount on your car insurance.
• Anti-theft device discount: If your car is equipped with an anti-theft device, you may be eligible for a discount on your car insurance.
• Low mileage discount: If you drive your car infrequently, you may be eligible for a low mileage discount.
• Bundling discount: If you have multiple insurance policies with Golden State Mutual Insurance, such as home insurance or renters insurance, you may be eligible for a bundling discount.

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Areas Where Golden State Mutual Insurance is Available

Golden State Mutual Insurance provides car insurance coverage to customers in a limited number of states in the United States. As of my knowledge cutoff date of September 2021, Golden State Mutual Insurance was available in the following states:

• California
• Nevada

To find out if Golden State Mutual Insurance is available in your state, you can follow these five steps:

1. Visit the Golden State Mutual Insurance website.
2. Look for a link or menu option that says “Locations” or “Where We Serve.” Click on this link to see if your state is listed.
3. If your state is not listed, Golden State Mutual Insurance may not offer coverage in your area. In this case, you may need to look for a different car insurance company.
4. If your state is listed, you can click on the name of your state to learn more about the specific coverage options available in your area.
5. You can also contact Golden State Mutual Insurance customer service to confirm whether they offer coverage in your state and get additional information about their coverage options and rates.

Golden State Mutual Insurance Customer Reviews

To get a better sense of the customer experience with Golden State Mutual Insurance, we researched reviews from a variety of sources. Here’s an overview of what customers are saying about the company’s strengths and weaknesses:

Strengths:

• Many customers report that Golden State Mutual Insurance offers affordable rates compared to other car insurance companies.
• Customers appreciate the high level of customer service provided by the company, including responsive and helpful representatives.
• Some customers praise the company for its streamlined claims process, which is efficient and straightforward.

Weaknesses:

• Some customers have reported difficulties with the claims process, including issues with communication and delays in payments.
• A few customers have reported issues with billing and payment, including errors in billing and difficulties in getting in touch with customer service to resolve issues.
• Some customers have reported that the company’s coverage options can be limited compared to other car insurance companies.

In Review: Golden State Mutual Insurance

Golden State Mutual Insurance is a California-based car insurance company that has been in operation since 1925. The company’s mission is to provide affordable and high-quality insurance products to its customers, with a focus on serving underserved communities.

Golden State Mutual Insurance offers a range of car insurance products, including liability coverage, collision coverage, and comprehensive coverage. The cost of these services can vary depending on a number of factors, including the customer’s location, driving history, and other personal factors.

Currently, Golden State Mutual Insurance is available in California and Nevada. Customers may be eligible for a range of discounts, including safe driving discounts and discounts for bundling multiple policies with the company. Reviews of Golden State Mutual Insurance are mixed, with some customers reporting positive experiences with the company’s customer service and affordable rates, and others reporting issues with the claims process and billing.

Ultimately, customers should carefully consider the company’s strengths and weaknesses when making a decision about car insurance, and should compare quotes from multiple providers to ensure that they are getting the best rate and coverage for their needs.