Meemic Insurance Review & Ratings (2024)

Unlocking the Essentials of Meemic Insurance: explore coverage options, assess customer satisfaction, and discover more for informed decisions. Gain valuable insights into Meemic Insurance, including comprehensive coverage options, evaluating customer satisfaction, and acquiring vital knowledge to make well-informed insurance decisions.

UPDATED: Feb 26, 2024Fact Checked

Laura Gunn

Insurance and Finance Writer

Laura Gunn is a former teacher who uses her passion for writing and learning to help others make the best decisions regarding finance and insurance. After stepping away from the classroom, Laura used her skills to write across many different industries including insurance, finance, real estate, home improvement, and healthcare.  Her experience in various industries has helped develop both her ...

Insurance and Finance Writer

Michelle Robbins

Licensed Insurance Agent

Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...

Licensed Insurance Agent

UPDATED: Feb 26, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

UPDATED: Feb 26, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Feb 26, 2024Fact Checked
4.3
usinsuranceagents.com

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Meemic Insurance Company

Average monthly rate for good drivers:

$119

A.M. Best rating:

A-

Complaint level:

Low

Pros

  • Specialized coverage and discounts tailored for educators and their families
  • Strong customer service reputation in handling claims and inquiries
  • Flexible payment options and customizable coverage plans

Cons

  • Limited availability in terms of geographic coverage, often serving specific regions or states
  • Membership requirements may restrict eligibility to educators and educational community members only
  • Potential for limited coverage options compared to larger, more generalized insurance providers

Final Verdict: Review of Meemic Insurance Company

Meemic strives to give teachers and other educational workers affordable insurance despite some negative reviews. If you live in Georgia, Illinois, Michigan, or Wisconsin, Meemic might have the best insurance products for you.

Read More: Business Insurance for Schools and Educational Institutions

If you want to see what Meemic quotes might look like for you, you should still shop around to save the most money possible. If you’re ready to see what quotes might look like for you, enter your ZIP code into our free tool today.

What You Should Know About Meemic Insurance Company

Welcome to our comprehensive guide on Meemic Insurance and the crucial aspects you should know. We will provide valuable insights into Meemic Insurance, including its coverage options, customer satisfaction, and financial stability. We will delve into the various policy types, discounts available, and factors affecting insurance rates.

By the end of this guide, you will be equipped with the knowledge necessary to make informed decisions about your insurance needs. To ensure you find the best rates from top insurance providers in your area, simply enter your zip code below and let us assist you in comparing quotes. Secure your financial future with the right insurance coverage today.

Meemic Insurance Company Insurance Coverage Options

Meemic was founded in 1950 to serve teachers and other school staff members. Today, they offer discounts for education workers, from teachers and principals to cafeteria workers and librarians.

Today, Meemic operates in four states: Georgia, Michigan, Wisconsin, and Illinois. While you can get boat and umbrella insurance, the main products Meemic sells are auto and homeowners insurance.

Read more: Teacher Car Insurance Discount

What does Meemic auto insurance cover?

Meemic offers the same standard auto insurance options you could find with most other companies. This includes:

  • Liability. Liability insurance covers repair bills for the other driver when you’re responsible for an accident. Most states require a minimum amount of liability, including the four that Meemic serves.
  • Comprehensive. This type of coverage protects your car from damage caused by sources other than accidents. Comprehensive covers fire, theft, animals, vandalism, and weather. If you have a car loan, you’re probably required to have comprehensive.
  • Collision. Like comprehensive, you’ll need collision if you don’t own your car outright. Collision helps pay for repairs to your vehicle after you’ve been in an accident.
  • Uninsured/underinsured motorist. You can’t trust that every driver on the road has insurance. If you buy this coverage, you’ll be protected against drivers with inadequate insurance.

Uninsured/underinsured motorist is required by law in Illinois. You can only purchase it in the other three states that Meemic serves if you skip collision coverage. You have easy access to your policy information and the claims process by using the Meemic auto insurance login.

What does Meemic home insurance cover?

Similar to its car insurance, Meemic offers educators exceptional homeowners insurance. They provide the same home insurance options you would expect to find in more prominent companies.

  • Dwelling. This protects the physical structure of your home and other structures like fences and garages.
  • Personal possessions. Meemic will pay to have your belongings replaced, including furniture, appliances, and clothing.
  • Liability. If someone is injured on your property, they can sue you if you’re responsible. Liability helps pay for your legal fees in court.

On top of the standard insurance, you can also buy additional coverage to add to your home insurance policy. These add-ons include:

  • Guaranteed home replacement cost coverage
  • Computer and electronic coverage
  • Extended coverage for jewelry and silverware
  • Scheduled personal property, which gives you extended coverage for high-value items that have been appraised
  • Sewer and sump pump backup coverage
  • Functional replacement cost for homes built before 1940
  • Snowmobile coverage

Getting extra coverage is highly recommended, as long as you need it. However, you should avoid getting coverage you don’t need because your bill will grow quickly the more things you add.

On top of these options, Meemic also offers renters, condos, mobile homes, and flood insurance. If you’re interested in adding these to your policy, you can start by using the Meemic login and getting a quote.

Compare The Best Insurance Quotes In The Country

Compare quotes from the top insurance companies and save!

secured lock Secured with SHA-256 Encryption

Meemic Insurance Company Insurance Rates Breakdown

Meemic is tight-lipped with their rates online. However, you can get an idea of what you might pay by looking at average prices in the four states Meemic operates in.

StateAverage monthly cost of minimum coverageAverage monthly cost of full coverage
Georgia$59$134
Illinois$59$145
Wisconsin$33$97
Michigan$365$596

Meemic promises a discount on insurance for educators, so it’s not unreasonable to think you can get cheaper rates. The same applies to homeowners insurance.

StateAverage annual priceAverage monthly fee
Georgia$1,376$115
Illinois$1,322$110
Wisconsin$986$82
Michigan$1,120$93

While Meemic doesn’t post information about its prices, they do list the discounts they offer. These discounts apply to your insurance rate after you’ve received Meemic’s lower prices for educators.

  • Paid-in-full. If you pay your annual bill in one installment rather than making monthly payments, you’ll save money.
  • Bundling. Earn this discount by buying home and car insurance from Meemic.
  • Anti-theft device. You save money on your bill if your vehicle has anti-theft devices installed, like GPS tracking, brake locks, and audible alarms.
  • Loss Prevention. Similar to the anti-theft discount, safety features in your home could save you money. Approved features include alarm systems, smoke detectors, deadbolts, and fire extinguishers.
  • Educated Choice Repair Program. Meemic has a repair program with a network of mechanics. If you choose one for your vehicle, you’ll get guaranteed repairs.
  • New home. Meemic offers a discount for houses nine years old or younger.
  • Senior. Meemic offers a discount for any customer over the age of 55.

Meemic states on its website that it offers further discounts for educators based on the state you live in.

Meemic Insurance Company Discounts Available

Meemic Insurance Company offers various discounts to help policyholders save on their insurance premiums. These discounts can vary based on the state and specific policy details, but here are some common discounts often available:

  • Multi-Policy Discount: Bundling multiple insurance policies, such as auto and home, with Meemic can result in a discount on both policies.
  • Multi-Vehicle Discount: Insuring more than one vehicle with Meemic may qualify you for a discounted rate on your premiums.
  • Good Student Discount: Students who maintain good grades may be eligible for a discount on their auto insurance premiums.
  • Educator Discount: Meemic was originally founded to serve educators, so teachers and school employees may qualify for special discounts or benefits.
  • Safety Features Discount: Vehicles equipped with safety features like anti-theft devices, anti-lock brakes, or passive restraint systems may lead to reduced premiums.
  • Low Mileage Discount: Drivers who don’t put many miles on their vehicles may be eligible for savings due to the reduced risk of accidents.
  • Renewal Discounts: Policyholders who maintain their coverage with Meemic over time may qualify for loyalty or renewal discounts.

Remember, the availability and specifics of these discounts can vary by location and policy type. Contacting a Meemic representative or agent directly can provide personalized information regarding available discounts based on your circumstances and the policy you’re interested in.

Seamless Claims Process With Meemic Insurance

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

When it comes to the claims process, Meemic Insurance offers multiple convenient options for policyholders to file a claim. Whether you prefer to use their online platform, make a claim over the phone, or utilize their mobile app, Meemic strives to make the process as hassle-free as possible. This flexibility ensures that you can choose the method that suits your preferences and needs.

Average Claim Processing Time

One crucial aspect of any insurance company’s performance is the speed at which they process claims. While specific processing times can vary depending on the nature and complexity of the claim, Meemic Insurance aims to provide prompt and efficient claim processing. To get a clearer understanding of their average claim processing time, it is advisable to reach out to Meemic or consult their customer resources.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is invaluable when evaluating an insurance company’s claims process. Meemic Insurance encourages policyholders to share their experiences regarding claim resolutions and payouts.

Customer reviews can provide insights into the company’s reliability, transparency, and customer-centric approach to handling claims. Consider exploring customer reviews and testimonials to gauge Meemic’s track record in this regard.

Exploring Meemic Insurance Cutting-Edge Digital and Technological Features

Mobile App Features and Functionality

In today’s digital age, insurance companies are increasingly focusing on providing robust mobile app solutions. Meemic Insurance is no exception. Their mobile app offers a range of features and functionality designed to enhance the customer experience. Whether you need to access policy information, make payments, or file a claim on the go, Meemic’s mobile app is a convenient tool for policyholders.

Online Account Management Capabilities

Efficient online account management is a key feature for modern insurance providers. Meemic Insurance ensures that policyholders have easy access to their accounts through an online portal. This portal allows you to manage your policies, view important documents, and track claims.

The online account management capabilities aim to streamline your interactions with Meemic and empower you to take control of your insurance needs.

Digital Tools and Resources

To support policyholders in making informed decisions, Meemic Insurance offers a variety of digital tools and resources. These tools can include educational materials, calculators, and resources to help you understand your coverage options better. By leveraging these digital resources, Meemic aims to empower its customers with the knowledge they need to make well-informed insurance choices.

How Meemic Insurance Company Ranks Among Providers

Meemic Insurance Company specializes in providing insurance products primarily to educators and their families. In the competitive landscape of insurance, several companies offer similar services. Here are some of Meemic’s main competitors:

  • Horace Mann Educators Corporation: Like Meemic, Horace Mann focuses on providing insurance and financial services tailored to educators. They offer auto, home, and life insurance, as well as retirement annuities.
  • Teachers Insurance and Annuity Association of America (TIAA): TIAA offers insurance and retirement products, including life insurance, annuities, and investment solutions, catering to the education community.
  • California Casualty: While not exclusively for educators, California Casualty offers auto and home insurance with specialized coverage options and discounts for educators and other professionals in various fields.
  • American Fidelity Assurance Company: Specializes in offering insurance products, including life, health, and supplemental benefits, mainly to educators, healthcare professionals, and government employees.
  • NEA Member Benefits: This organization provides a range of insurance products and financial services exclusively to members of the National Education Association (NEA), including educators and school staff.

While Meemic has established itself as a reputable provider of insurance for educators, its competitors offer a range of similar services, each with its own strengths and tailored offerings. Exploring these competitors provides educators with a broader perspective on available insurance options, allowing them to find the best fit for their specific needs and preferences within this specialized sector.

Frequently Asked Questions

What is Meemic Insurance?

Meemic Insurance is an insurance company that specializes in providing coverage to educators and their families.

What types of life insurance policies does Meemic Insurance offer?

Meemic Insurance offers two types of life insurance policies: term life insurance and whole life insurance.

What is term life insurance?

Term life insurance provides coverage for a specific period of time, typically 10 to 30 years, and pays a death benefit if the policyholder dies during the term. If the policyholder outlives the term, the policy expires and no benefits are paid.

What is whole life insurance?

Whole life insurance provides coverage for the entire life of the policyholder and includes a savings component that can accumulate cash value over time. Whole life insurance policies typically have higher premiums than term life insurance policies.

Who is eligible for Meemic Insurance?

Meemic Insurance is available to educators and their families in select states, including Michigan, Wisconsin, Illinois, and Georgia.

How can I get a quote for Meemic Insurance?

You can get a quote for Meemic Insurance by visiting their website or contacting a local agent. Meemic Insurance also offers discounts to members of certain educational organizations, so be sure to ask about any potential discounts when getting a quote.

Compare The Best Insurance Quotes In The Country

Compare quotes from the top insurance companies and save!

secured lock Secured with SHA-256 Encryption

Laura Gunn

Insurance and Finance Writer

Laura Gunn is a former teacher who uses her passion for writing and learning to help others make the best decisions regarding finance and insurance. After stepping away from the classroom, Laura used her skills to write across many different industries including insurance, finance, real estate, home improvement, and healthcare.  Her experience in various industries has helped develop both her ...

Insurance and Finance Writer

Michelle Robbins

Licensed Insurance Agent

Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

Reviews
for Meemic Insurance Company

4.26 (165 reviews)
1
October 19, 2021

Insurancescam101

DISAPPOINTED

Highly disappointed, My truck was hit while it was parked in a parking lot, I have all of the other parties information except their insurance company, Meemic is making me make a claim to even go after their insurance company and I was told I would pay a higher premium reguardless.. I have had home and auto for almost 10 full years. 2022 will be 10 years for home. More then 10 for auto... made 1 claim in auto in maybe 2013ish... and I am so...
Highly disappointed, My truck was hit while it was parked in a parking lot, I have all of the other parties information except their insurance company, Meemic is making me make a claim to even go after their insurance company and I was told I would pay a higher premium reguardless.. I have had home and auto for almost 10 full years. 2022 will be 10 years for home. More then 10 for auto... made 1 claim in auto in maybe 2013ish... and I am so afraid of them screwing me over if anything worse happens to either my vehicles or home. I am currently looking for a new insurance company. This is ridiculous. I'd pay more a month if I knew I'd be taken care of if something happened, especially if it was not my fault. I wasn't even inside my vehicle when a 15 year old child whom stole his parents car hit my truck.. even worse the police will do nothing. It's not even worth to own a house or car anymore. Insurance is the biggest scam across the nation. With as much money as I have given meemic I could have bought my truck 100 times over. But they won't fix a damn bumper without making me pay more a month... I will forever talk about this to all of my coworkers.. and they will not use meemic as well.. it truly breaks my heart to be done this way by MEEMIC.. So sad... but I'm defiantly excited to find better!
1
August 24, 2021

ScrewMeemic

WILL CONSTANTLY RIP YOU OFF

Doesn't inform you of premium changes until they are already coming out of your account. When you cancel your policy, they sell your information to survey companies that are, legally, allowed to call you incessantly. They, technically, don't operate under telemarketing criteria. Which means they don't have to adhere to the "Do Not Call List" law. Found out from speaking to a supervisor from these survey company's that it was the insurance agency/...
Doesn't inform you of premium changes until they are already coming out of your account. When you cancel your policy, they sell your information to survey companies that are, legally, allowed to call you incessantly. They, technically, don't operate under telemarketing criteria. Which means they don't have to adhere to the "Do Not Call List" law. Found out from speaking to a supervisor from these survey company's that it was the insurance agency/Meemic that they acquired my contact information from. Will take payments out of your account even after you cancel your policy, then will charge you for a premium that you didn't consent to nor, technically, had in a last ditch effort to screw you one last time so they can pay back as little as possible. I was with them for over four years, and I tried to work things out with them time and time again because I wanted to keep my business in my city. But they refused to work with me on my policy changes over the years even when I gave them quotes from other companies that are half the price. And I always happened to somehow financially pay for some sneaky crap they always pulled. Switched to State Farm for the same policy and half the price.
1
March 30, 2021

Fidel100

They don't help

You will find them next to you when you have an accident, they don't pay the medical bills. I have been with meemic for 5 years, and I had an accident, and everyday I receive bills saying rejected from your insurance company. Very bad company
1
November 17, 2020

victim_s_daughter

Can't get reimbursement or contact claims adjuster

My mother was a long-time Meemic insurance customer, and was in a horrible car accident almost one year ago. Our Meemic claims adjuster seems to have no idea what he's doing, does not answer his phone, and does not return phone calls. I've submitted several forms for reimbursement of household services and attendant care, but have never gotten a response, and have yet to receive a single penny reimbursement! I would definitely NOT recommend th...
My mother was a long-time Meemic insurance customer, and was in a horrible car accident almost one year ago. Our Meemic claims adjuster seems to have no idea what he's doing, does not answer his phone, and does not return phone calls. I've submitted several forms for reimbursement of household services and attendant care, but have never gotten a response, and have yet to receive a single penny reimbursement! I would definitely NOT recommend this company.
1
October 24, 2020

Mohamad

Don't trust them

They were not up.to the confidence we put on them. I have unlimited full coverage PIP, and they try to do not pay my medical bills after a car accident.
5
October 20, 2020

MusicLeader

Meemic saves you money

Meemic caters insurance to the education community. We had significant savings compared to State Farm and have had great service from Meemic even when we had to file claims for accidents.
1
June 15, 2020

Unsatisfied

Incompetent idiots...BEWARE

SCAM, BEWARE. I cancelled my policy MONTHS ago and they continue to steal $800 per month from me. Takes weeks for them to return it because I have to prove THEM that i had enough $ in my account for them to take it. Incompetent idiods...
5
December 11, 2019

sturk1kl

Meemic is Awesome!

Meemic is a fantastic company with a great staff. Any time I have an issue or need to make a payment, they are there for me. I will never do any other business with another agency!
5
December 9, 2019

Ypsijay

Wonderful Insurance Company

The independent agency has great customer service. Returns calls and email timely. Very easy to work with. Meemic gives back to the community and schools. I have needed to file a claim a few times and each time is painless and agents are helpful and caring.
5
November 22, 2019

jdash

Meemic..great!

Meemic has been a great company to work with. We have had to submit claims for both home and auto, and they have been so good to work with. Very thorough, fast, and great customer service. Their rates are lowest from any other insurance quotes we have ever gotten.
↑ Back to Top

Write a Review

Policy Type?

Please select a `Policy Type!`
(Min. 100 Characters)

Company Overall Rating

When you submit this review, you will be asked to sign in/up for to your https://www.usinsuranceagents.com account. If your account is not currently verified, we will send a verification email to the email on file for your account. Please select the verification button in that email. If you do not see the email in your inbox, please check your spam or junk folder. Your review cannot be reviewed and accepted until you complete this verification step.

Free Insurance Comparison

Compare quotes from the top insurance companies and save!

secured lock Secured with SHA-256 Encryption