West Bend Mutual Insurance Review & Ratings (2023)

Are you looking for reliable car insurance that offers excellent coverage and affordable rates? West Bend Mutual Insurance might be the right option for you. Here are some key attributes of the company:

• The company has been providing insurance solutions for over 125 years.
• West Bend Mutual Insurance offers a wide range of insurance products, including auto, home, and business insurance.
• The company has received an A (Excellent) rating from A.M. Best for financial strength and stability.

Founded in 1894, West Bend Mutual Insurance has been a trusted name in the insurance industry for over a century. The company’s mission is to provide innovative insurance solutions that meet the evolving needs of its customers.

History and Mission: West Bend Mutual Insurance

West Bend Mutual Insurance was founded in 1894 in West Bend, Wisconsin, by a group of farmers who wanted to protect their property and livelihoods from the risks of fire and other natural disasters.

The company started out as a mutual insurance company, meaning that it was owned and operated by its policyholders.

West Bend Mutual Insurance’s mission is to provide innovative insurance solutions that meet the evolving needs of its customers.

The company is committed to delivering personalized service and building lasting relationships with its policyholders. West Bend Mutual Insurance strives to be a leader in the insurance industry by investing in technology, research, and development to stay ahead of emerging trends and provide the best possible insurance products and services to its customers.

Products and Services at West Bend Mutual Insurance

West Bend Mutual Insurance offers a variety of insurance solutions for individuals and businesses, including:

• Auto insurance: West Bend Mutual Insurance offers a range of coverage options for personal and commercial vehicles. Their auto insurance policies cover liability, collision, comprehensive, uninsured/underinsured motorist, and personal injury protection.
• Home insurance: The company provides comprehensive coverage for homeowners, including protection against damage caused by fire, theft, storms, and other hazards. Their policies cover the structure of the home, personal belongings, liability, and additional living expenses.
• Business insurance: West Bend Mutual Insurance offers a range of insurance products for businesses, including property and liability coverage, workers’ compensation, and commercial auto insurance.
• Umbrella insurance: The company also offers umbrella insurance, which provides additional liability coverage beyond the limits of standard insurance policies.

In addition to these main insurance products, West Bend Mutual Insurance also offers a variety of other services, including:

• 24/7 claims service: The company has a dedicated claims department that is available 24/7 to help customers file claims and get the assistance they need.
• Risk management: West Bend Mutual Insurance provides risk management services to help businesses identify and manage risks that could impact their operations.
• Safety resources: The company offers a variety of safety resources and tools to help customers stay safe and prevent accidents.
• Loss control services: West Bend Mutual Insurance provides loss control services to help businesses minimize losses and improve safety and risk management practices.

The cost of these services varies depending on the specific policy and coverage options selected, as well as the state of residence.

Cost of Coverage With West Bend Mutual Insurance

The cost of insurance with West Bend Mutual Insurance will depend on a variety of factors, including:

• Type and level of coverage: The more coverage you have, the higher your insurance premiums will be.
• Deductible: A higher deductible will generally result in lower premiums, but it also means that you will pay more out of pocket in the event of a claim.
• Age and driving history: Younger drivers and those with a history of accidents or tickets will generally pay higher premiums.
• Vehicle make and model: Certain types of vehicles may be more expensive to insure due to their cost or higher risk of theft or accidents.
• Location: Your location can impact your insurance rates due to factors such as crime rates, weather patterns, and traffic density.

It’s important to note that while cost is an important factor in choosing an insurance provider, it’s not the only factor to consider. It’s also important to look at the level of coverage and the company’s reputation for customer service and claims handling.

Discounts Offered by West Bend Mutual Insurance

West Bend Mutual Insurance offers a range of discounts to help customers save on their insurance premiums. Here are some of the discounts available:

• Multi-policy discount: Customers who have more than one policy with West Bend Mutual Insurance, such as home and auto insurance, can qualify for a discount.
• Safe driver discount: Customers who have a clean driving record with no accidents or traffic violations can qualify for a safe driver discount.
• Good student discount: High school and college students who maintain good grades can qualify for a discount on their auto insurance premiums.
• Safety feature discount: Customers who have certain safety features in their vehicles, such as airbags or anti-lock brakes, can qualify for a discount.
• Claims-free discount: Customers who have been with West Bend Mutual Insurance for a certain number of years without filing a claim can qualify for a claims-free discount.
• Age discount: Older customers may qualify for a discount on their auto insurance premiums.
• Payment discount: Customers who set up automatic payments or pay their premiums in full may qualify for a discount.

It’s important to note that not all discounts may be available in all states or for all policies. You should check with your independent insurance agent or with West Bend Mutual Insurance directly to see which discounts you may qualify for.

States Where West Bend Mutual Offers Insurance

West Bend Mutual Insurance is available in select states throughout the United States. The states where their products and services are offered include:

• Illinois
• Indiana
• Iowa
• Kansas
• Kentucky
• Michigan
• Minnesota
• Missouri
• Nebraska
• Ohio
• Pennsylvania
• Tennessee
• Wisconsin

It’s important to note that the specific products and services offered by West Bend Mutual Insurance may vary by state. Additionally, the availability of certain discounts or other benefits may also vary by state.

To get more information on the products and services available in your state, you can contact a local independent insurance agent who represents West Bend Mutual Insurance or visit their website.

Customer Feedback of West Bend Mutual Insurance

West Bend Mutual Insurance has generally positive customer reviews and ratings from various sources. Here are some examples of what customers have said about the company:

• Consumer Affairs: West Bend Mutual Insurance has a rating of 4.3 out of 5 stars on Consumer Affairs, based on over 200 customer reviews. Customers have praised the company’s responsive customer service and claims handling.
• Better Business Bureau: West Bend Mutual Insurance has an A+ rating with the Better Business Bureau, based on factors such as the company’s response to customer complaints and the length of time the company has been in business.
• Clearsurance: West Bend Mutual Insurance has a rating of 4.29 out of 5 stars on Clearsurance, based on over 50 customer reviews. Customers have praised the company’s easy-to-use website and helpful customer service representatives.
• J.D. Power: West Bend Mutual Insurance received a score of 849 out of 1,000 in J.D. Power’s 2020 U.S. Auto Insurance Study, which measures customer satisfaction with auto insurance providers. This score was above the industry average and ranked West Bend Mutual Insurance in the “better than most” category.

It’s important to do your own research and read reviews from multiple sources before making a decision about an insurance provider.

Roundup: West Bend Mutual Insurance

In conclusion, West Bend Mutual Insurance is a reputable and well-established insurance company that has been providing insurance products and services for over 125 years.

The company has a strong focus on customer service and claims handling, and offers a range of insurance products including auto, home, and business insurance.

While the cost of insurance with West Bend Mutual Insurance may be higher than some competitors, the company does offer various discounts that can help customers save on their premiums.

Overall, the company has generally positive customer reviews and ratings from various sources. However, as with any insurance provider, it’s important to do your own research and consider factors such as coverage options, pricing, and customer service before making a decision.