MiddleOak Insurance Review & Ratings (2023)
This MiddleOak Insurance Review will cover MiddleOak Insurance ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. 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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If you’re in the market for car insurance, you may have heard of MiddleOak Insurance. Founded in 1835, MiddleOak Insurance is one of the oldest insurance companies in the United States. The company has a strong reputation for providing reliable coverage at competitive prices.
In this article, we’ll take a closer look at MiddleOak Insurance’s history, products, pricing, discounts, and customer reviews.
- Founded in 1835, MiddleOak Insurance is one of the oldest insurance companies in the United States.
- The company offers a range of car insurance products, including liability, collision, and comprehensive coverage.
- MiddleOak Insurance provides policyholders with various discounts to help lower their premiums.
MiddleOak Insurance History
MiddleOak Insurance has a rich history that dates back to 1835 when it was founded as Middlesex Mutual Assurance Company in Middletown, Connecticut. The company initially focused on providing fire insurance to homeowners and businesses in Connecticut.
Over time, MiddleOak Insurance expanded its operations and began offering other types of insurance, including car insurance.
In 2002, Middlesex Mutual Assurance Company and Holyoke Mutual Insurance Company merged to form MiddleOak Insurance. Today, the company is headquartered in Salem, Massachusetts, and offers a range of insurance products, including car, home, and business insurance.
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MiddleOak Insurance Mission
MiddleOak Insurance’s mission is to provide reliable coverage and excellent customer service to its policyholders. The company’s website states that it aims to “protect our customers’ lives, businesses, and futures with a level of professionalism and expertise that is second to none.”
MiddleOak Insurance strives to build long-lasting relationships with its policyholders by providing them with personalized service and support.
In addition to its commitment to its policyholders, MiddleOak Insurance is also dedicated to giving back to the community. The company supports several charitable organizations, including the American Red Cross and the American Cancer Society.
Overall, MiddleOak Insurance’s long history and commitment to providing excellent customer service and reliable coverage demonstrate its dedication to its policyholders and the communities it serves.
MiddleOak Insurance Products and Services
MiddleOak Insurance offers a range of car insurance products to meet the needs of its customers. The company’s car insurance coverage options include:
- Liability coverage: This type of coverage provides protection for bodily injury and property damage caused by the policyholder in an accident. This coverage is required by law in most states and is the foundation of most car insurance policies.
- Collision coverage: covers the cost of repairs or replacement of the policyholder’s car if it is damaged in an accident. This coverage is optional but recommended for newer or more valuable cars.
- Comprehensive coverage: This type of coverage provides protection against non-collision events, such as theft, vandalism, and natural disasters. This coverage is also optional but can provide added peace of mind for policyholders.
In addition to these coverage options, MiddleOak Insurance also offers several additional coverage options, such as:
- Roadside assistance: Roadside assistance provides policyholders with access to emergency roadside assistance services, such as towing, jump-starts, and lockout services.
- Rental reimbursement: Rental reimbursement covers the cost of renting a car while the policyholder’s car is being repaired after an accident.
- Gap insurance: Gap insurance covers the difference between the amount owed on the policyholder’s car and its actual cash value in the event of a total loss.
MiddleOak Insurance Cost
The cost of car insurance through MiddleOak Insurance varies depending on several factors, such as the type and level of coverage selected, the policyholder’s driving history, the make and model of the car, and the policyholder’s location.
The company’s website indicates that they offer competitive rates and flexible payment options, including monthly, quarterly, and annual payment plans.
To get a quote for car insurance from MiddleOak Insurance, you can visit their website and use their online quote tool. You’ll need to provide information about yourself, your car, and your driving history to receive an accurate quote. Alternatively, you can speak with a licensed agent by phone or email to get a personalized quote and discuss your coverage options.
It’s important to keep in mind that car insurance rates can vary widely from one provider to another, so it’s a good idea to compare quotes from multiple providers before selecting a policy. When comparing quotes, it’s important to consider not only the price of the policy but also the level of coverage and the provider’s reputation for customer service and claims handling.
By doing your research and comparing quotes, you can find the car insurance policy that best meets your needs and budget.
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MiddleOak Insurance Discounts
MiddleOak Insurance offers several discounts to help its policyholders save money on their car insurance premiums. Some of the discounts that MiddleOak Insurance offers include:
- Safe driver discount: Policyholders who maintain a clean driving record and have no accidents or traffic violations for a certain period of time may be eligible for a safe driver discount.
- Multi-car discount: Policyholders who insure multiple cars with MiddleOak Insurance may be eligible for a multi-car discount.
- Homeowner discount: Policyholders who own a home or condominium may be eligible for a discount on their car insurance premiums.
- Good student discount: Students who maintain a certain grade point average (usually a “B” average or higher) may be eligible for a good student discount.
- Anti-theft device discount: Policyholders who install an anti-theft device in their car may be eligible for a discount on their car insurance premiums.
- Low mileage discount: Policyholders who drive fewer miles than the average driver may be eligible for a low mileage discount.
- Pay in full discount: Policyholders who pay their car insurance premiums in full upfront may be eligible for a discount.
The availability and amount of these discounts may vary by state, so it’s best to speak with a licensed agent to determine which discounts you may qualify for.
States Where MiddleOak Insurance is Offered
MiddleOak Insurance offers car insurance policies in seven states in the northeastern United States: Connecticut, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, and Rhode Island.
If you live in one of these states and are interested in getting a car insurance quote from MiddleOak Insurance, you can visit their website or contact a licensed agent to learn more about their products and services. You can also enter your ZIP code in the search box below and find a licensed agent near you.
Customer Reviews of MiddleOak Insurance
Customer reviews of MiddleOak Insurance are mixed, with some customers reporting positive experiences and others reporting negative experiences. Here are some common themes that appear in customer reviews of the company:
Positive Reviews:
- Competitive pricing: Many customers report that MiddleOak Insurance offers affordable rates compared to other car insurance providers.
- Good customer service: Some customers report positive experiences with the company’s customer service team, citing friendly and helpful representatives.
- Easy claims process: Several customers report that MiddleOak Insurance has a straightforward claims process, making it easy to file a claim and get reimbursed quickly.
Negative Reviews:
- Poor claims handling: Some customers report frustrating experiences with the company’s claims handling, citing long wait times and difficulty getting claims resolved.
- Billing issues: Several customers report issues with billing and payments, such as unexpected rate increases or difficulty making payments.
- Limited coverage options: Some customers report that MiddleOak Insurance’s coverage options are limited compared to other providers, making it difficult to find the right policy to meet their needs.
As with any car insurance provider, it’s important to do your research and read reviews from multiple sources before selecting a policy. By comparing reviews and ratings from multiple customers, you can get a better sense of the company’s strengths and weaknesses and determine if MiddleOak Insurance is the right provider for you.
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In Summary: MiddleOak Insurance
MiddleOak Insurance is a car insurance provider that offers coverage in seven northeastern states: Connecticut, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, and Rhode Island. The company offers several types of coverage, including liability, collision, and comprehensive coverage, and offers a range of discounts to help policyholders save money on their premiums.
Customer reviews of the company are mixed, with some customers reporting positive experiences with competitive pricing, good customer service, and an easy claims process, while others report issues with claims handling, billing, and limited coverage options.
If you’re considering MiddleOak Insurance, it’s important to compare quotes from multiple providers and read reviews from multiple sources to determine if the company is the right fit for your needs and budget.