Merastar Insurance Review & Ratings (2023)

Merastar Insurance is a car insurance company that has been in operation for over 20 years, offering competitive rates and discounts to customers across multiple states.

Their mission is to provide affordable, reliable coverage with excellent customer service. Customers have reported strengths in the company’s easy-to-use online platform, fast claim processing, and personalized customer support.

Interesting Attributes of Merastar Insurance:

• Offers a wide range of discounts to customers, including safe driver, multi-vehicle, and bundling discounts
• Provides a user-friendly online platform for policy management and claims processing
• Offers a variety of coverage options to suit individual customer needs and budgets

Merastar Insurance is a car insurance company with over two decades of experience in the industry, offering competitive rates and top-notch customer service to drivers across multiple states.

Their mission is to provide affordable, reliable coverage while prioritizing customer satisfaction. In this review, we will explore the company’s history, products and services, pricing, available discounts, customer reviews, and more.

Merastar Insurance History and Mission

Merastar Insurance was established in 1997 as a subsidiary of Nationwide Mutual Insurance Company. Since then, the company has been committed to providing affordable car insurance that meets the individual needs and budgets of their customers. The company has a strong focus on personalized coverage options and excellent customer service.

Merastar Insurance has a mission to offer reliable coverage, efficient claims processing, and personalized customer support to their clients. They strive to provide affordable car insurance that is tailored to individual needs and budgets. The company is dedicated to maintaining a high level of customer satisfaction through their commitment to excellent service.

Over the years, Merastar Insurance has gained a reputation for providing reliable coverage, fast and efficient claims processing, and personalized customer support. The company continues to focus on these values as they expand their services to new states and customers.

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Coverage Available From Merastar Insurance

Merastar Insurance offers a range of coverage options for their customers, including:

• Liability coverage: Liability coverage is mandatory in most states and covers damages and injuries that you cause to others in an accident. It includes bodily injury liability coverage, which pays for medical expenses and lost wages for the other party, and property damage liability coverage, which pays for damages to the other party’s vehicle or property.
• Collision coverage: Collision coverage pays for damages to your vehicle in the event of an accident, regardless of who is at fault. It covers damages caused by collisions with other vehicles or objects, such as trees or poles.
• Comprehensive coverage: Comprehensive coverage pays for damages to your vehicle that are not caused by collisions, such as theft, vandalism, or natural disasters. It also covers damages caused by hitting an animal.
• Personal injury protection (PIP) coverage: PIP coverage pays for medical expenses and lost wages for you and your passengers in the event of an accident, regardless of who is at fault.
• Uninsured/Underinsured motorist coverage: This coverage pays for damages and injuries that you sustain in an accident caused by a driver who has no insurance or insufficient insurance coverage.

In addition to these basic coverage options, Merastar Insurance also offers optional coverage, including:

• Rental reimbursement coverage: This coverage pays for the cost of a rental car if your vehicle is damaged in an accident and needs repairs.
• Roadside assistance coverage: This coverage provides emergency roadside assistance services, such as towing, jump-starts, and tire changes.

Merastar Insurance’s policies can be customized to fit individual needs and budgets, with deductibles and coverage limits that can be adjusted to suit different situations.

Cost of Merastar Insurance

The cost of Merastar Insurance varies depending on a number of factors, including the individual’s driving record, the type of vehicle being insured, and the level of coverage selected. The company offers competitive rates for their policies, with discounts available to help lower premiums.

Some of the factors that may affect the cost of Merastar Insurance include:

• Age and driving record: Younger drivers and those with a poor driving record may have higher premiums than more experienced drivers with clean records.
• Type of vehicle: The make and model of the vehicle being insured can also affect the cost of insurance. Sports cars and luxury vehicles generally have higher premiums than more modest models.
• Coverage limits: Higher coverage limits will generally result in higher premiums.
• Deductibles: A higher deductible can help lower monthly premiums, but it means that the insured will be responsible for a larger portion of the cost of repairs or damages in the event of an accident.

States Where Merastar Insurance is Available

Merastar Insurance offers car insurance services in a limited number of states in the United States. As of 2023, the company provides coverage in the following states:

• Arizona
• Illinois
• Indiana
• Nevada
• Ohio
• Oregon
• Pennsylvania
• Texas
• Virginia
• Washington

The company is constantly expanding its coverage areas, so it’s important to check with them regularly to see if they have started offering services in your state. If you are interested in finding out if Merastar Insurance is available in your state, there are a few options you can take:

• Check the company’s website: Merastar Insurance’s website provides information on the states where they currently offer services. Navigate to the company’s website and look for a “Coverage Area” or “States We Serve” page.
• Contact Merastar insurance directly: If you are unable to find information on the company’s website, you can contact them directly to inquire about coverage in your state. They may have additional information or be able to provide a quote based on your location.
• Use a third-party insurance comparison website: Many third-party websites offer tools to compare rates and coverage options from multiple insurance providers. Use a website that includes Merastar Insurance in its list of providers and enter your location information to see if they offer services in your state.
• Ask your current insurance provider: If you are currently insured with another company, your agent may be able to tell you if Merastar Insurance operates in your state. They may also be able to provide you with a quote for Merastar’s services if they are available in your area.

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Discounts Offered by Merastar Insurance

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

• Safe driver discount: Customers who have a clean driving record can qualify for a safe driver discount.
• Multi-car discount: Customers who insure multiple vehicles with Merastar Insurance can qualify for a multi-car discount.
• Good student discount: Full-time students who maintain a B average or higher can qualify for a good student discount.
• Anti-theft device discount: Customers who have anti-theft devices installed in their vehicle can qualify for an anti-theft device discount.
• Homeowner discount: Customers who own a home can qualify for a homeowner discount.
• Low mileage discount: Customers who drive less than a certain number of miles per year can qualify for a low mileage discount.

Customer Reviews of Merastar Insurance

Customer reviews of Merastar Insurance are generally mixed, with some customers reporting positive experiences and others reporting negative experiences. Some of the strengths and weaknesses reported by customers include:

Strengths:

• Competitive rates: Many customers have reported that Merastar Insurance offers lower rates than other insurance providers.
• Good customer service: Some customers have reported positive experiences with Merastar Insurance’s customer service representatives, citing their helpfulness and professionalism.
• Convenient online tools: Many customers appreciate Merastar Insurance’s online tools, including the ability to manage their policies and make payments online.

Weaknesses:

• Limited coverage area: Some customers have reported frustration with the fact that Merastar Insurance is only available in a limited number of states.
• Poor claims experience: Some customers have reported difficulty filing claims and receiving timely payouts.
• Lack of transparency: Some customers have reported that Merastar Insurance’s policies and pricing can be difficult to understand, with some feeling that the company is not transparent enough.

In Summary: Merastar Insurance

Merastar Insurance is a car insurance company that provides coverage in a limited number of states in the United States. The company was founded in 1993 and is headquartered in Springfield, Illinois. Merastar Insurance’s mission is to provide affordable car insurance to customers while maintaining high levels of customer service.

Merastar Insurance offers a range of car insurance coverage options, including liability, collision, comprehensive, and personal injury protection. The cost of coverage varies depending on a number of factors, including the driver’s age, driving record, and the type of car being insured.

One of the main benefits of Merastar Insurance is the range of discounts it offers to customers. These include a safe driver discount, a multi-policy discount, and an anti-theft device discount, among others. Customers who are eligible for these discounts can save money on their car insurance premiums.

While Merastar Insurance has received mixed reviews from customers, with some reporting positive experiences and others reporting negative experiences, the company is known for its competitive rates and convenient online tools.