Stillwater Insurance Company Review (2024)
Explore Stillwater Insurance Company, a stalwart in the insurance sector, renowned for its diverse coverage options, competitive pricing, and unwavering commitment to exceptional customer service.
Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Apr 23, 2024
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 provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 23, 2024
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 provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Stillwater Insurance Company
Average Monthly Rate For Good Drivers
N/AA.M. Best Rating:
A (Excellent)Complaint Level:
LowPros
- Diverse range of insurance products, including home, auto, renters, and business insurance.
- Competitive pricing and various discounts are available.
- Positive customer reviews highlight reliability and excellent customer service.
- Streamlined claims process with 24/7 availability.
- Tailored coverage options to meet individual needs.
Cons
- While overall customer reviews are positive, individual experiences may vary.
- Some policyholders may find certain coverage options more limited compared to larger insurance providers.
In our comprehensive exploration of Stillwater Insurance Company, we discover a trusted guardian for safeguarding life’s most valuable assets. Offering a diverse array of insurance products, including home, auto, renters, and business insurance, Stillwater distinguishes itself with competitive pricing and a commitment to customer satisfaction.
With an excellent A.M. Best Rating and a low complaint level, this company combines reliability and affordability. Customers praise Stillwater for its responsive claims process and positive customer reviews, affirming its reputation as a dependable insurance provider.
While individual experiences may vary, Stillwater Insurance Company’s tailored coverage options make it a compelling choice for those seeking peace of mind and protection for what matters most.
What You Should Know About Stillwater Insurance Company
Rates: Stillwater’s rates are competitive within the industry, striking a balance between affordability and the breadth of coverage options. The company’s commitment to offering fair and transparent pricing contributes to its positive rating in this category.
Discounts: Stillwater Insurance Company provides a range of discounts, enhancing affordability for policyholders. Their approach to offering discounts aligns with industry standards, contributing to a favorable rating in this category.
Complaints/Customer Satisfaction: Stillwater excels in customer satisfaction, as reflected in a low complaint level and positive reviews. The company’s commitment to addressing customer concerns and maintaining a high standard of service contributes to a commendable rating in this crucial category.
Claims Handling: Stillwater prioritizes a seamless claims process, offering flexibility through various channels for claims submission. The company’s commitment to prompt and effective claim processing, coupled with positive feedback from customers, results in a high rating for claims handling.
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Stillwater Insurance Company Insurance Coverage Options
Stillwater Insurance Company offers a range of coverage options to cater to the diverse needs of its policyholders. These coverage options provide protection and peace of mind in various aspects of life. Here are the coverage options offered by Stillwater Insurance:
- Home Insurance: Stillwater’s home insurance provides coverage for homeowners, including protection for the physical structure of the home, personal belongings, liability, and additional living expenses in case of a covered loss. Coverage options may include dwelling coverage, personal property coverage, liability protection, and more.
- Auto Insurance: Stillwater’s auto insurance offers coverage for personal vehicles, including liability coverage, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage. Policyholders can tailor their policies to meet state requirements and individual preferences.
- Renters Insurance: Renters can safeguard their personal belongings and liability with Stillwater’s renters insurance. This coverage protects against losses due to theft, fire, or other covered events and includes liability coverage for incidents that occur within the rental property.
- Business Insurance: Stillwater provides comprehensive business insurance solutions to protect businesses of all sizes. Coverage options may include general liability insurance, property insurance, commercial auto insurance, workers’ compensation, and more. These policies help mitigate financial risks associated with running a business.
- Umbrella Insurance: Stillwater offers umbrella insurance policies that provide additional liability coverage beyond the limits of standard home, auto, or renters insurance. This extra protection can be crucial in the event of a catastrophic incident that exceeds the primary policy limits.
- Flood Insurance: For those in flood-prone areas, Stillwater offers flood insurance coverage, which protects against losses resulting from flood-related damage. This coverage is essential, as standard home insurance policies typically do not cover flood damage.
- Earthquake Insurance: In regions prone to earthquakes, Stillwater provides earthquake insurance to protect homeowners and renters against the substantial damage that can occur during seismic events.
- Specialty Insurance: Stillwater also offers specialty insurance products tailored to specific needs. These may include high-value home insurance for luxury properties, landlord insurance for property owners, and more.
It’s important to note that coverage options and availability may vary by location and policy type. Stillwater Insurance Company allows policyholders to customize their insurance coverage to align with their individual requirements and circumstances. When considering insurance with Stillwater, customers have the flexibility to choose the options that best suit their needs.
Read more: Stillwater Property and Casualty Insurance Company Review
Stillwater Insurance Company Insurance Rates Breakdown
| Driver Profile | Stillwater Insurance | National Average |
|---|---|---|
| Clean Record | $83 | $119 |
| 1+ Ticket | $96 | $147 |
| 1+ Accident | $108 | $173 |
| DUI | $129 | $209 |
| Poor Credit | $143 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
Stillwater Insurance Company Discounts Available
| Discounts | Stillwater Insurance |
|---|---|
| Anti Theft | 8% |
| Good Student | 11% |
| Low Mileage | 14% |
| Paperless | 11% |
| Safe Driver | 10% |
| Senior Driver | 13% |
Stillwater Insurance Company provides various discounts to help policyholders save on their insurance premiums. These discounts are designed to reward responsible behavior and encourage customers to bundle their policies for added convenience and savings. Here are the discounts offered by Stillwater Insurance:
- Multi-Policy Discount: Stillwater offers significant discounts to customers who bundle multiple insurance policies, such as combining home and auto insurance. Bundling often results in lower overall premiums.
- Safe Driving Discount: Policyholders who maintain a clean driving record and demonstrate safe driving habits can qualify for a safe driving discount. This discount is particularly relevant for auto insurance customers.
- Home Security Discount: Homeowners who invest in security measures for their properties, such as installing security systems or smoke detectors, may be eligible for a home security discount on their home insurance premiums.
- Claims-Free Discount: Customers who have not filed any insurance claims over a specified period may qualify for a claims-free discount. This discount reflects a history of responsible policyholder behavior.
- Paperless Billing Discount: Stillwater encourages customers to go paperless by opting for electronic billing and policy documents. In return, policyholders can enjoy a paperless billing discount.
- Good Student Discount: Families with young drivers who are high-achieving students can benefit from a good student discount on auto insurance premiums. This discount rewards academic excellence and responsible driving.
- Senior Discount: Some insurance products, like auto insurance, may offer discounts to senior citizens. These discounts acknowledge the experience and safe driving habits of older individuals.
- Renewal Discount: Loyalty is rewarded with a renewal discount. Policyholders who renew their policies with Stillwater may receive a discount as an incentive to stay with the company.
These discounts can vary in availability and eligibility criteria, so it’s essential for prospective policyholders to inquire about specific discounts when obtaining a quote from Stillwater Insurance Company. Leveraging these discounts can result in substantial savings while maintaining comprehensive insurance coverage.
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How Stillwater Insurance Company Ranks Among Providers
Stillwater Insurance Company operates in a highly competitive insurance industry, and its main competitors include several well-established insurance providers. Here are some of its primary competitors:
- State Farm: State Farm is one of the largest insurance companies in the United States. They offer a wide range of insurance products, including auto, home, renters, and business insurance. State Farm’s extensive network of agents and strong financial stability make it a formidable competitor.
- Allstate: Allstate is another major player in the insurance industry, known for its comprehensive coverage options and nationwide presence. They provide various insurance products and are especially recognized for their auto and home insurance offerings.
- Progressive: Progressive is renowned for its innovative approach to auto insurance and its user-friendly online platform. They have a strong focus on technology and offer competitive rates, appealing to customers looking for auto insurance.
- Geico: Geico is well-known for its humorous advertising and competitive pricing. They specialize in auto insurance and have a reputation for providing budget-friendly policies.
- Liberty Mutual: Liberty Mutual offers a wide range of insurance products, including home, auto, renters, and business insurance. They emphasize customizable coverage options and strong customer service.
- Farmers Insurance: Farmers Insurance boasts a diverse portfolio of insurance products and a vast network of agents across the country. They are particularly prominent in the home and auto insurance markets.
- Nationwide: Nationwide is a comprehensive insurance provider with a focus on personal and commercial lines of insurance. They have a longstanding presence in the industry and offer a variety of coverage options.
- Travelers: Travelers specializes in providing insurance solutions to businesses, making it a notable competitor in the commercial insurance sector. They offer a wide array of coverage options for businesses of all sizes.
- Chubb: Chubb is known for its high-end, specialized insurance products, catering to clients with complex needs. They excel in areas such as high-value home insurance and specialty business insurance.
To thrive in this competitive landscape, Stillwater must continue to emphasize its strengths, such as tailored coverage options, competitive pricing, and excellent customer service, while also adapting to evolving customer preferences and industry trends.
Navigating Stillwater Insurance Company Claims Process
Ease of Filing a Claim
Stillwater Insurance Company offers policyholders a seamless and convenient claims process. You have the flexibility to file claims through various channels, whether it’s the user-friendly online portal, a phone call to their dedicated support, or the convenience of mobile apps.
This multi-pronged approach ensures that policyholders can initiate claims in a way that suits their preferences and needs.
Average Claim Processing Time
When it comes to claim processing, Stillwater Insurance Company prioritizes efficiency. Policyholders can expect their claims to be handled promptly, reducing unnecessary delays. This commitment to quick and effective claim processing ensures that policyholders receive the support and benefits they require without undue waiting periods.
Customer Feedback on Claim Resolutions and Payouts
Stillwater Insurance Company values customer feedback, especially regarding claim resolutions and payouts. They actively seek input from policyholders to continually enhance their claims process. Positive feedback from customers underscores the company’s dedication to providing fair and timely claim settlements, reinforcing their reputation for reliability.
Exploring Stillwater Insurance Company’s Digital and Technological Features
Mobile App Features and Functionality
Stillwater Insurance Company offers a comprehensive mobile app equipped with a wide range of features and functionalities. Compatible with both Android and iOS devices, the app empowers policyholders to file claims, access policy details, and perform various insurance-related tasks with ease.
The mobile app ensures that policyholders have convenient access to their insurance resources whenever and wherever they need them.
Online Account Management Capabilities
Policyholders benefit from Stillwater Insurance Company’s user-friendly online platform, designed to facilitate effortless management of their insurance accounts.
This platform allows individuals to efficiently handle various aspects of their insurance policies, from reviewing coverage details to making premium payments. Stillwater Insurance Company prioritizes user-friendly online account management to enhance the customer experience.
Digital Tools and Resources
Stillwater Insurance Company goes the extra mile by providing a suite of digital tools and resources to support policyholders. These resources include educational materials, financial planning tools, and other digital assets that empower customers to make informed decisions about their insurance.
Stillwater Insurance Company’s commitment to digital innovation ensures that their policyholders have access to valuable resources when navigating the complexities of insurance.
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Frequently Asked Questions
What types of insurance does Stillwater Insurance Company offer?
Stillwater Insurance Company provides a range of insurance products, including coverage for homes, automobiles, renters, and businesses.
How does Stillwater Insurance Company differentiate itself in the insurance industry?
Stillwater stands out with competitive pricing, diverse coverage options, and a strong commitment to excellent customer service, resulting in high customer satisfaction and a low complaint level.
Can policyholders customize their insurance coverage with Stillwater Insurance Company?
Yes, Stillwater allows policyholders to tailor their coverage to meet individual needs, offering flexibility and customization based on location and policy type.
What discounts are available with Stillwater Insurance Company?
Stillwater Insurance Company offers various discounts that can result in substantial savings, but availability and eligibility criteria may vary, so prospective policyholders should inquire about specific discounts when obtaining a quote.
How does Stillwater Insurance Company handle the claims process?
Stillwater prioritizes a seamless and efficient claims process, providing multiple channels for policyholders to file claims, a commitment to prompt processing, and actively seeking customer feedback to enhance claim resolutions and payouts.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
