Western National Mutual Insurance Company Review (2024)
Western National Mutual Insurance Company actively provides peace of mind through competitive rates, customizable policies, and exceptional customer support across auto, home, life, and health insurance.
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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Western National Mutual Insurance Company
Average Monthly Rate For Good Drivers
$100A.M. Best Rating:
A (Excellent)Complaint Level:
LowPros
- Wide range of insurance types, including auto, home, life, and health
- Competitive rates for various coverage options
- Customizable policies to suit individual needs
- Exceptional customer support
- Efficient and hassle-free claims process
Cons
- Limited geographical coverage (primarily operates in the Midwest)
- Not the ideal choice for those seeking international coverage
Western National Mutual Insurance Company, a longstanding pillar in the insurance industry, offers a diverse array of coverage options to meet the diverse needs of individuals and families. Their comprehensive suite includes auto insurance, home insurance, life insurance, and health insurance, with each category tailored to provide essential protection.
With competitive rates, customizable policies, and a commitment to exceptional customer support, Western National stands out as a reliable choice. Their efficient claims process and positive customer reviews further underscore their reputation for reliability.
Whether safeguarding your vehicle, home, health, or planning for the future, Western National proves itself as a trusted partner in the journey of securing peace of mind.
Western National Mutual Insurance Company Insurance Coverage Options
When it comes to safeguarding your future, having the right insurance coverage is paramount. Western National Mutual Insurance Company understands this, and they’ve got you covered with an impressive array of coverage options. Here are the coverage options offered by Western National Mutual Insurance Company:
Auto Insurance
- Comprehensive coverage
- Collision coverage
- Liability coverage
- Personal injury protection
Home Insurance
- Dwelling coverage
- Personal property coverage
- Liability protection
- Additional living expenses coverage
Life Insurance
- Term life insurance
- Whole life insurance
- Universal life insurance
- Annuities
Health Insurance
- Health maintenance organization (HMO) plans
- Preferred provider organization (PPO) plans
- Health savings accounts (HSAs)
- Medicare supplement plans
These coverage options cater to a wide range of insurance needs, providing comprehensive protection for individuals and families in various situations.
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Western National Mutual Insurance Company Insurance Rates Breakdown
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| Driver Profile | Western National Mutual Insurance | National Average |
|---|---|---|
| Clean Record | $85 | $119 |
| 1+ Ticket | $129 | $147 |
| 1+ Accident | $170 | $173 |
| DUI | $241 | $209 |
| Poor Credit | $147 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
Western National Mutual Insurance Company Discounts Available
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| Discounts | Western National Mutual Insurance |
|---|---|
| Anti Theft | 12% |
| Good Student | 17% |
| Low Mileage | 15% |
| Paperless | 8% |
| Safe Driver | 23% |
| Senior Driver | 13% |
Saving on insurance without compromising on coverage is a win-win situation, and Western National Mutual Insurance Company understands the value of your hard-earned money. Here are some common types of discounts that insurance companies often provide:
- Multi-Policy Discount: You may receive a discount for bundling multiple insurance policies with the same company, such as auto and home insurance.
- Safe Driving Discount: If you have a clean driving record with no accidents or violations, you may qualify for a safe driver discount.
- Good Student Discount: Full-time students with good grades often qualify for this discount.
- Anti-Theft Discount: Installing anti-theft devices in your vehicle can lead to a discount on your auto insurance.
- Home Safety Features Discount: If your home is equipped with safety features like smoke detectors, burglar alarms, or fire extinguishers, you may be eligible for a discount on your home insurance.
- Paid-in-Full Discount: Some companies offer a discount if you pay your premium in full upfront rather than in installments.
- Loyalty or Renewal Discount: Staying with the same insurance company for an extended period can sometimes lead to discounts as a reward for customer loyalty.
- Military or Employee Discounts: Some insurers offer discounts to active or retired military personnel or employees of certain organizations.
- Good Credit Discount: A good credit history may make you eligible for a discount on your insurance premium.
- Low Mileage Discount: If you don’t drive your vehicle frequently, you might qualify for a discount.
- Green or Hybrid Vehicle Discount: Owning an eco-friendly vehicle can result in a discount on your auto insurance.
- Senior Citizen Discount: Some insurers offer discounts to older drivers, typically starting at age 55 or 65.
The availability and eligibility criteria for these discounts can vary, so it’s essential to contact Western National Mutual Insurance Company directly to inquire about their specific discount offerings and whether you qualify for any of them.
How Western National Mutual Insurance Company Ranks Among Providers
In the world of insurance, choices abound, and knowing your options is essential. Western National Mutual Insurance Company, while a notable player, operates in a landscape brimming with competitors vying for your trust. Here are some potential competitors in different insurance categories:
Auto Insurance
- State Farm: State Farm is one of the largest auto insurance providers in the United States and operates nationwide.
- Progressive: Progressive is known for its innovative policies and broad coverage options.
Home Insurance
- Allstate: Allstate is a major player in the home insurance market, offering a variety of coverage options.
- Farmers Insurance: Farmers provides home insurance along with other insurance products.
Life Insurance
- Prudential: Prudential is a well-known life insurance provider with a range of policy options.
- Northwestern Mutual: Northwestern Mutual offers life insurance and financial planning services.
Health Insurance
- UnitedHealthcare: UnitedHealthcare is one of the largest health insurance providers in the United States.
- Anthem: Anthem offers health insurance plans in multiple states.
It’s important to note that the competitive landscape in the insurance industry can change over time, and new competitors can emerge. Additionally, Western National’s unique selling points, customer service, and the specific markets it targets may differentiate it from competitors.
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Western National Mutual Insurance Company Claims Process
Ease of Filing a Claim
Western National Mutual Insurance Company offers multiple convenient methods for policyholders to file claims. You can file a claim online through their website, making it a hassle-free process. Additionally, you have the option to file a claim over the phone, where their customer service representatives can guide you through the process.
They also provide mobile app functionality for claim submissions, allowing you to initiate claims easily from your smartphone.
Average Claim Processing Time:
While the exact claim processing time can vary depending on the nature and complexity of the claim, Western National Mutual Insurance Company is known for its efficient claims processing. On average, policyholders often experience prompt claim resolutions, ensuring they receive the support they need when they need it most.
Customer Feedback on Claim Resolutions and Payouts:
Customer feedback is essential in assessing an insurance company’s performance in handling claims. Western National Mutual Insurance Company has garnered positive reviews for its claim resolutions and payouts.
Customers have reported satisfaction with the fairness and efficiency of the claims settlement process, highlighting the company’s commitment to providing reliable support during challenging times.
Western National Mutual Insurance Company Digital and Technological Features
Mobile App Features and Functionality:
Western National Mutual Insurance Company offers a feature-rich mobile app that allows policyholders to manage their insurance policies conveniently. The app provides access to policy details, allows users to request quotes, pay premiums, and, as mentioned earlier, file claims directly from their mobile devices.
It enhances the overall customer experience by offering on-the-go access to important insurance-related information and services.
Online Account Management Capabilities:
Policyholders can take advantage of Western National Mutual Insurance Company’s robust online account management capabilities. Through their website, customers can log in to their accounts to review policy information, make policy changes, and access important documents.
This online portal simplifies policy management tasks, making it easier for customers to stay informed and in control of their insurance coverage.
Digital Tools and Resources:
In addition to their mobile app and online account management, Western National Mutual Insurance Company provides various digital tools and resources to assist policyholders in making informed decisions. These resources may include insurance calculators, educational materials, and articles to help customers better understand their coverage options and insurance-related topics.
These digital resources contribute to the company’s commitment to customer empowerment and education.
Frequently Asked Questions
What types of insurance does Western National Mutual Insurance Company offer?
Western National offers a wide range of insurance types, including auto, home, life, and health insurance.
Are Western National’s rates competitive compared to other insurance providers?
Western National strives to offer competitive rates, but it’s recommended to get a personalized quote to determine the best pricing for your specific needs.
What sets Western National apart from other insurance companies?
Western National stands out for its diverse coverage options, commitment to customer service, and a reputation for efficient claims processing.
Can I customize my insurance policy with Western National to suit my unique needs?
Yes, Western National provides customizable policies to tailor your coverage according to your specific requirements.
How do I file a claim with Western National if needed?
Western National offers a straightforward claims process, and you can initiate a claim by contacting their claims department or through their website.
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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.
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robbotis
A+
kameolynn
Western National is a Good Company
beethovin1
crappy claims center.
sw25
Great
Smoky
Won't Raise Your Rates If You Have An Accident
TracyS
Western National
rleer4
Low Cost
robbotis
Amazing
nabthisis
What a deal!
dreamer333
very helpful team