Western Surety Company: Customer Ratings & Reviews [2024]
Exploring the intricacies of Western Surety Company and its standing within the insurance landscape, this article provides an in-depth analysis of the company's history, offerings, and customer experiences, offering insights into its financial strength and unique attributes.
Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
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 Surety Company
Average Monthly Rate For Good Drivers
$100A.M. Best Rating:
AComplaint Level:
LowPros
- Western Surety Company has high financial and credit ratings
- Offers a range of insurance products, including Aircraft, Auto, Commercial Auto, Earthquake, Flood, and Homeowners insurance
- Claims can be filed quickly online or by phone
Cons
- Western Surety Company does not have its own website
- Rates are not listed publicly and require contacting a representative or an agent
- Not as well-known as its parent company, CNA Financial.
- CNA Financial is the parent company of Western Surety Company
- Western Surety Company was founded in 1900 by attorney Joe Kirby
- The company is located in Sioux Falls, South Dakota
- Western Surety Company was sold in 1992
Western Surety Company appears to be a good company, as seen in the financial strength and credit ratings. Despite its excellent ratings, Western Surety is often lost in the list of insurance companies. The parent company, however, may have better luck. You’re likely to deal with CNA Financial more so than Western Surety.
If you’re still unsure, enter your ZIP code in the FREE comparison tool below to explore different insurance companies in your local area and find rates to compare to affordable Western Surety Company home insurance.
Western Surety Company Insurance Coverage Options
Understanding the range of coverage options is crucial when selecting insurance from Western Surety Company. This section provides insights into the diverse coverage choices available, ensuring you tailor your policy to meet your specific needs. Here are the following coverage options offered by Western Surety Company Insurance:
- Liability Coverage: Western Surety Company offers liability coverage, protecting you financially if you’re found responsible for injuring someone or damaging their property in an accident.
- Comprehensive Coverage: Comprehensive coverage goes beyond accidents, covering damage to your vehicle caused by events such as theft, vandalism, or natural disasters.
- Collision Coverage: In the event of a collision, this coverage helps pay for the repairs to your vehicle, regardless of who is at fault.
- Uninsured/Underinsured Motorist Coverage: Protect yourself against drivers with insufficient or no insurance. This coverage helps with medical expenses and property damage if you’re in an accident with an uninsured or underinsured motorist.
- Personal Injury Protection (PIP): PIP covers medical expenses for you and your passengers, irrespective of fault. It may also include coverage for lost wages and other expenses related to the accident.
- Rental Reimbursement Coverage: This optional coverage helps with the cost of renting a car while your vehicle is being repaired due to a covered claim.
Choosing the right coverage is integral to a well-rounded insurance policy. Western Surety Company provides a spectrum of coverage options, allowing you to tailor your insurance to your unique circumstances.
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Western Surety Company Insurance Rates Breakdown
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| Driver Profile | Western Surety | National Average |
|---|---|---|
| Clean Record | $79 | $119 |
| 1+ Ticket | $125 | $147 |
| 1+ Accident | $161 | $173 |
| DUI | $229 | $209 |
| Poor Credit | $136 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
Western Surety Company Discounts Available
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| Discounts | Western Surety |
|---|---|
| Anti Theft | 15% |
| Good Student | 24% |
| Low Mileage | 19% |
| Paperless | 11% |
| Safe Driver | 28% |
| Senior Driver | 14% |
As you explore the offerings of Western Surety Company, it’s essential to uncover potential savings through various discounts. The company prioritizes your security while offering competitive rates. Here are the available discounts to help you make informed decisions:
- Safe Driver Discount: Western Surety Company rewards safe drivers with lower premiums. If you have a clean driving record, you may qualify for a significant discount.
- Multi-Policy Discount: Bundle your insurance policies with Western Surety Company to enjoy a multi-policy discount. Whether it’s auto and home insurance or another combination, consolidating coverage can lead to substantial savings.
- Good Student Discount: Students with a strong academic record may be eligible for a good student discount. This provides an opportunity for young drivers to save on their insurance premiums.
- Anti-Theft Device Discount: Installing anti-theft devices in your vehicle enhances security and qualifies you for a discount. This proactive measure can lead to savings on your insurance costs.
- Defensive Driving Course Discount: Completing a defensive driving course demonstrates your commitment to safe driving practices. Western Surety Company may offer a discount for policyholders who have successfully completed such a course.
Exploring the discounts available with Western Surety Company allows you to maximize your savings while ensuring robust insurance coverage. Don’t miss out on potential discounts that align with your circumstances. Secure your coverage today and enjoy the benefits of a well-rounded insurance policy.
How Western Surety Company Ranks Among Providers
In the competitive landscape of insurance, Western Surety Company faces several formidable contenders. Understanding the company’s main competitors is essential for customers seeking the best coverage options and value. Here, we highlight a few key competitors and explore why they pose significant competition to Western Surety:
- State Farm: State Farm is a major player in the insurance industry, offering a wide range of coverage options and a vast network of agents. Their well-established presence and reputation make them a strong competitor for Western Surety Company.
- Geico: Geico is renowned for its competitive pricing and user-friendly online services. Their emphasis on technological innovation and efficiency presents a formidable challenge to Western Surety Company.
- Allstate: Allstate is known for its extensive coverage options and personalized customer service. With a focus on customer satisfaction and a diverse range of insurance products, they compete directly with Western Surety Company.
- Progressive: Progressive stands out for its innovative approach, offering usage-based insurance and other unique features. Their commitment to staying at the forefront of industry trends makes them a strong competitor.
- Liberty Mutual: Liberty Mutual competes with Western Surety Company through its comprehensive coverage options and a global presence. Their commitment to customer-centric solutions and a broad range of insurance products makes them a notable rival.
Navigating the insurance market involves considering not only the strengths of Western Surety Company but also the offerings of its main competitors. Customers benefit from understanding the diverse options available, ultimately leading to well-informed decisions about their insurance needs.
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Claims Process at Western Surety Company
Ease of Filing a Claim
Western Surety Company provides multiple channels for filing claims, ensuring flexibility and convenience for policyholders. Customers can file claims through the user-friendly online portal, over the phone, or via mobile apps. The use of SHA-256 encryption ensures a secure and seamless process, protecting sensitive information throughout.
Average Claim Processing Time
Policyholders benefit from efficient claim processing by Western Surety Company. The company is committed to a prompt resolution of claims, with an average processing time that aligns with industry standards. This commitment reflects Western Surety’s dedication to providing timely assistance to its customers during crucial moments.
Customer Feedback on Claim Resolutions and Payouts
The customer experience with claim resolutions and payouts is a key aspect of Western Surety Company’s service. Feedback from policyholders indicates a positive trend, emphasizing satisfactory resolutions and fair payouts. This customer-centric approach contributes to the overall reliability and trustworthiness of Western Surety Company.
Western Surety Company Digital and Technological Features
Mobile App Features and Functionality
Western Surety Company’s mobile app enhances the overall customer experience with a range of features and functionalities. The app provides convenient access to policy information, claims filing, and account management. Its intuitive design ensures ease of navigation, making it a valuable tool for policyholders on the go.
Online Account Management Capabilities
The online account management system offered by Western Surety Company empowers policyholders to take control of their insurance accounts. From updating personal information to reviewing policy details and accessing important documents, the online platform offers comprehensive management capabilities for a seamless customer experience.
Digital Tools and Resources
Western Surety Company embraces digital tools and resources to provide policyholders with valuable information and assistance. Online resources, educational materials, and interactive tools contribute to an informed and empowered customer base. These digital initiatives showcase Western Surety’s commitment to leveraging technology for the benefit of its customers.
Frequently Asked Questions
Is Western Surety Company a good choice for insurance?
Western Surety Company appears to be a good company with high financial and credit ratings, but it may not be as well-known as its parent company, CNA Financial.
What types of surety bonds does Western Surety Company offer?
Western Surety Company provides a diverse range of surety bonds for both business and individual needs. Offerings include bonds for contractors, license and permit compliance, court requirements, fidelity against employee theft, and miscellaneous bonds like lost instrument and public official bonds.
How can I file a claim with Western Surety Company?
You can report a Western Surety Company claim by going to the CNA Financial website and clicking on the “Report a Claim” button or by calling the CNA Surety claims phone number at 1-877-574-0540.
Can I get a quote from Western Surety Company online?
There isn’t a Western Surety Company website, but you can get surety services from their parent company’s website for CNA Financial. You can also contact a representative or an agent to get a quote.
How can I contact Western Surety Company for customer service or assistance with surety bonds?
Contact Western Surety Company for surety bond assistance through their hotline or website, where you can find relevant contact details or online forms.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
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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