Illinois Mutual Insurance Review & Ratings (2023)

Illinois Mutual Insurance is a well-established car insurance company with a history of providing quality coverage at reasonable prices. The company has a strong mission to serve its customers and provide them with the best possible protection.

Illinois Mutual Insurance offers a wide range of insurance products and services, including liability coverage, collision coverage, and comprehensive coverage. Customers in several states can benefit from the company’s offerings, and they can qualify for discounts on their policies by meeting specific criteria.

Interesting Attributes of Illinois Mutual Insurance:

• The company has been in business for over 100 years, making it one of the oldest and most established car insurance providers in the US.
• Illinois Mutual Insurance offers a variety of discounts to help customers save money on their policies.
• The company has a strong reputation for providing excellent customer service.

Illinois Mutual Insurance is a reputable insurance company that provides comprehensive coverage to car owners in several states. The company is known for its quality services, reasonable prices, and commitment to customer satisfaction.

With a strong mission to protect its customers’ assets, Illinois Mutual Insurance offers a range of insurance products and services that cater to different needs and budgets. In this review, we will take a closer look at the company’s history, mission, products and services, cost, available discounts, and customer reviews.

Illinois Mutual Insurance History and Mission

Illinois Mutual Insurance was established in 1910 in Peoria, Illinois, with a mission to provide affordable insurance coverage to working-class families. The company’s founders wanted to create an insurance company that would serve the needs of people who were often overlooked by larger, more established insurance providers.

Over the years, Illinois Mutual Insurance has grown and expanded its offerings, while maintaining its focus on providing quality coverage at reasonable prices.

The company’s mission is to protect its customers’ assets and provide them with peace of mind. Illinois Mutual Insurance is committed to providing personalized service and working with customers to find the right coverage options to meet their needs and budget.

The company’s values include integrity, honesty, and a commitment to excellence. Illinois Mutual Insurance is also dedicated to giving back to the communities it serves, with a focus on supporting education, health, and human services initiatives.

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Illinois Mutual Insurance Coverage Options

Illinois Mutual Insurance offers a range of car insurance coverage options to protect customers from financial loss in the event of an accident or other covered event. These coverage options include:

• Liability coverage: This type of coverage is required in most states and covers the cost of damages to other people’s property or injuries they sustain in an accident that the insured driver is at fault for. There are two types of liability coverage: bodily injury liability and property damage liability.
• Collision coverage: This type of coverage pays for the cost of repairs to the insured vehicle in the event of a collision with another vehicle or object, regardless of who is at fault.
• Comprehensive coverage: This type of coverage covers damages to the insured vehicle that are not the result of a collision, such as theft, vandalism, or natural disasters.
• Personal injury protection (PIP): This type of coverage is available in some states and covers medical expenses and lost wages for the insured driver and passengers in the event of an accident.
• Uninsured/Underinsured motorist coverage: This type of coverage protects the insured driver in the event of an accident with a driver who does not have insurance or does not have enough insurance to cover the cost of damages or injuries.
• Medical payments coverage: This type of coverage pays for medical expenses for the insured driver and passengers in the event of an accident, regardless of who is at fault.
• Roadside assistance: This type of coverage provides assistance if the insured vehicle breaks down or is unable to be driven.

Cost Breakdown of Illinois Mutual Insurance

The cost of car insurance from Illinois Mutual Insurance can vary based on several factors, including the customer’s driving history, age, location, and the type and amount of coverage they choose. Illinois Mutual Insurance offers several discounts to help customers save money on their premiums, including:

• Safe driver discount: Customers who maintain a clean driving record can qualify for a safe driver discount.
• Multiple policy discount: Customers who purchase more than one type of insurance policy from Illinois Mutual Insurance can receive a discount on their premiums.
• Good student discount: Customers who maintain good grades in school may be eligible for a discount on their car insurance premiums.
• Anti-theft device discount: Customers who install an anti-theft device in their vehicle can receive a discount on their premiums.
• Pay in full discount: Customers who pay their entire premium in full at the start of their policy term can receive a discount.

Discounts Available Through Illinois Mutual Insurance

Illinois Mutual Insurance offers several discounts to help customers save money on their car insurance premiums. These discounts include:

• Safe driver discount: Customers who maintain a clean driving record can qualify for a safe driver discount. The specific requirements and amount of the discount can vary by state.
• Multiple policy discount: Customers who purchase more than one type of insurance policy from Illinois Mutual Insurance, such as home and auto insurance, can receive a discount on their premiums.
• Good student discount: Full-time students who maintain good grades in school, typically with a minimum GPA of 3.0, may be eligible for a discount on their car insurance premiums.
• Anti-theft device discount: Customers who install an anti-theft device in their vehicle, such as a car alarm or GPS tracking device, can receive a discount on their premiums.
• Pay in full discount: Customers who pay their entire premium in full at the start of their policy term can receive a discount.
• Defensive driving course discount: Customers who complete a state-approved defensive driving course may be eligible for a discount on their car insurance premiums.

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States Where Illinois Mutual Insurance is Provided

Illinois Mutual Insurance provides car insurance coverage in several states across the United States. The company’s car insurance products are currently available in the following states:

• Arizona
• Arkansas
• Colorado
• Illinois
• Indiana
• Iowa
• Kansas
• Michigan
• Minnesota
• Missouri
• Nebraska
• New Mexico
• North Dakota
• Ohio
• Oklahoma
• Oregon
• Pennsylvania
• South Dakota
• Texas
• Utah
• Wisconsin

To find the list of states where Illinois Mutual Insurance provides car insurance, you can follow these four steps:

1. Go to the Illinois Mutual Insurance website.
2. Click on the “Auto Insurance” tab at the top of the page.
3. Scroll down the page until you see the section titled “Where We Do Business.”
4. Here, you will see a list of all the states where Illinois Mutual Insurance provides car insurance coverage.

Illinois Mutual Insurance Customer Reviews

Customer reviews are an important aspect of evaluating any insurance company, and Illinois Mutual Insurance is no exception. Here’s an overview of what customers are saying about the company based on reviews from various sources:

Strengths:

• Excellent customer service: Many customers appreciate the level of customer service they receive from Illinois Mutual Insurance. Customers have reported that representatives are helpful, friendly, and knowledgeable, and that claims are handled quickly and efficiently.
• Competitive pricing: Customers have also praised Illinois Mutual Insurance for offering competitive pricing on their car insurance products. Many customers report that they have been able to find coverage that fits their needs and budget, without sacrificing quality.
• Flexibility: Another common theme among customer reviews is the flexibility that Illinois Mutual Insurance provides. Customers appreciate the ability to customize their coverage to fit their specific needs, and the company’s willingness to work with them to find the right policy.

Weaknesses:

• Limited availability: While Illinois Mutual Insurance provides car insurance coverage in several states, the company does not offer coverage in all 50 states. Some customers have expressed frustration that they are unable to purchase coverage from Illinois Mutual Insurance due to their location.
• Mixed reviews on claims process: While many customers have praised Illinois Mutual Insurance for their claims handling, there are some mixed reviews on this aspect of the company. Some customers have reported delays in the claims process, difficulty in getting claims resolved, or issues with communication with the claims department.
• Lack of online features: Some customers have also expressed frustration with the lack of online features available through Illinois Mutual Insurance. While the company does offer online policy management, some customers have reported that the website is not as user-friendly as they would like, and that they would prefer more online features and options.

Roundup: Illinois Mutual Insurance

Illinois Mutual Insurance is a well-established insurance company with a long history of providing quality insurance products and excellent customer service. The company offers a range of car insurance products, including liability coverage, collision coverage, and comprehensive coverage, as well as a variety of discounts to help customers save money on their insurance premiums.

Illinois Mutual Insurance provides car insurance coverage in over 20 states across the United States, and customers can customize their policies to fit their specific needs and budget.

While some customers have reported issues with the claims process and the lack of online features, many more have praised the company for its competitive pricing, flexibility, and excellent customer service.

Overall, Illinois Mutual Insurance is a reputable and reliable insurance company that provides quality car insurance coverage at a competitive price. Customers who are looking for a company that prioritizes customer service and flexibility may find Illinois Mutual Insurance to be a great choice for their car insurance needs.