Lumbermens Mutual Insurance Review & Ratings (2023)
This Lumbermens Mutual Insurance Review will cover Lumbermens Mutual Insurance ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. The Lumbermens Mutual Insurance S&P Rating is BBBpi. To compare insurance rates from the best companies in your area, enter your ZIP code below.
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Written by
Chris Tepedino |
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Reviewed by
Laura Walker
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UPDATED: Feb 22, 2023
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Overview of Lumbermens Mutual Insurance
Lumbermens Mutual Insurance is a leading car insurance company that provides quality coverage to drivers across the United States.
Here are some interesting attributes of the company:
- Lumbermens Mutual Insurance has been in business for over 150 years, providing customers with reliable insurance coverage and exceptional customer service.
- The company offers a wide range of car insurance products, including liability, collision, and comprehensive coverage, as well as optional extras like roadside assistance and rental car coverage.
- Lumbermens Mutual Insurance is committed to helping customers save money on their car insurance by offering a variety of discounts and rewards programs.
Today, Lumbermens Mutual Insurance is dedicated to providing its customers with high-quality coverage and exceptional customer service.
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History and Mission of Lumbermens Mutual Insurance
Lumbermens Mutual Insurance has a long and rich history that dates back to 1867. The company was founded as a mutual fire insurance company by a group of lumbermen who were looking for affordable and reliable insurance coverage.
Over the years, the company expanded its product offerings to include a variety of insurance products, including car insurance.
The company’s mission is to provide its customers with high-quality insurance products and exceptional customer service. Lumbermens Mutual Insurance is committed to helping its customers protect the things that matter most to them, whether it’s their homes, cars, or businesses.
The company takes a personalized approach to insurance, working with customers to tailor their coverage to meet their specific needs.
Products Offered by Lumbermens Mutual Insurance
Lumbermens Mutual Insurance offers a wide range of insurance products and services, including car insurance, homeowners insurance, commercial insurance, and umbrella insurance.
In terms of car insurance, the company offers the following products and services:
- Liability coverage: This is the most basic type of car insurance coverage and is required by law in most states. It covers the cost of damages and injuries to others if you are found at fault in an accident.
- Collision coverage: This coverage helps pay for damage to your car if you are involved in an accident, regardless of who is at fault.
- Comprehensive coverage: This coverage helps pay for damage to your car that is not caused by a collision, such as theft, vandalism, or weather-related damage.
- Personal injury protection: This coverage helps pay for medical expenses and lost wages for you and your passengers if you are injured in an accident.
In addition to these basic coverage options, Lumbermens Mutual Insurance also offers optional extras that can be added to your policy for additional protection. These extras include:
- Roadside assistance: This service provides 24/7 roadside assistance in case of a breakdown, flat tire, or other emergencies.
- Rental car coverage: This coverage helps pay for the cost of a rental car while your car is being repaired after an accident.
- Glass coverage: This coverage helps pay for the cost of repairing or replacing a broken windshield or other glass on your car.
- Custom equipment coverage: This coverage helps pay for the cost of repairing or replacing custom equipment on your car, such as a sound system or custom rims.
The cost of these products and services varies depending on several factors, including your driving record, the type of car you drive, and the level of coverage you select.
Lumbermens Mutual Insurance is licensed to offer car insurance in several states across the US, including Illinois, Indiana, Michigan, and Wisconsin.
Cost of Lumbermens Mutual Insurance Coverage
The cost of car insurance from Lumbermens Mutual Insurance will vary depending on several factors, including your age, driving history, the type of car you drive, and the level of coverage you select.
In addition, the cost of car insurance can vary depending on the state where you live.
Lumbermens Mutual Insurance offers competitive pricing for its car insurance products and services, and the company is committed to providing customers with affordable insurance options.
However, the cost of car insurance can still be a significant expense for many people.
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Insurance Discounts Available on Lumbermens Mutual Insurance
Lumbermens Mutual Insurance offers a range of discounts to help customers save money on their car insurance premiums.
These discounts are designed to reward safe and responsible driving habits, as well as other factors that can help lower the risk of accidents and insurance claims. Here are some of the discounts that Lumbermens Mutual Insurance offers:
- Multi-policy discount: Customers can save money on their car insurance premiums by bundling their auto insurance policy with another insurance product offered by Lumbermens Mutual Insurance, such as homeowners insurance or renters insurance.
- Safe driver discount: Customers who maintain a good driving record, without any accidents or violations, for a certain number of years can qualify for this discount.
- Good student discount: Students who maintain a certain GPA or are listed on the honor roll can qualify for this discount.
- Anti-theft device discount: Customers who install an anti-theft device in their car can qualify for this discount, as this can help deter theft and lower the risk of insurance claims.
- Pay-in-full discount: Customers who pay their annual premium in full can qualify for this discount.
- Defensive driver discount: Customers who take a state-approved defensive driving course can qualify for this discount, as it demonstrates a commitment to safe driving practices.
- Accident forgiveness: Lumbermens Mutual Insurance also offers an accident forgiveness program that can help prevent an increase in premiums after an accident, as long as the driver has a good driving record.
The specific discounts available to customers may vary by state and individual circumstances. To find out which discounts you may be eligible for, it’s best to contact Lumbermens Mutual Insurance or speak with a local agent.
States Where Lumbermens Mutual Insurance Is Offered
Lumbermens Mutual Insurance offers car insurance coverage in a limited number of states. The company primarily operates in the Midwest and Northeast regions of the United States, with coverage available in the following states:
- Illinois
- Indiana
- Iowa
- Kansas
- Michigan
- Minnesota
- Missouri
- Nebraska
- North Dakota
- Ohio
- Pennsylvania
- South Dakota
- Wisconsin
It’s worth noting that the availability of specific products, discounts, and services may vary by state, so it’s important to check with the company directly or with a local agent to see what options are available in your area.
Additionally, insurance laws and regulations vary by state, so customers should be aware of any state-specific requirements or limitations that may affect their coverage.
Customer Reviews of Lumbermens Mutual Insurance
Customer reviews of Lumbermens Mutual Insurance are generally positive, with many customers praising the company’s customer service and affordable pricing.
However, some customers have reported issues with claims processing and billing.
Overall, Lumbermens Mutual Insurance is a reputable and reliable car insurance company that offers quality coverage and a range of discounts and rewards programs to help customers save money on their premiums.
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In Summary: Lumbermens Mutual Insurance
Overall, Lumbermens Mutual Insurance is a reputable car insurance company with a long history of providing affordable and reliable coverage to drivers in select states.
The company offers a range of discounts and coverage options to help customers find the right insurance policy for their needs and budget.
While the cost of coverage may vary depending on a range of factors, Lumbermens Mutual Insurance is generally known for offering competitive pricing and affordable rates.