Hastings mutual car insurance may not be widely available in the United States, but it is very popular in Midwestern states like Michigan, Iowa, Wisconsin, Ohio, Illinois and Indiana. People are able to take advantage of the products and services offered by this Michigan-based insurance provider.
The beginnings of Hastings Mutual Car Insurance
The Hasting Mutual prides itself from having started from small beginnings. They started with just 160 policies to offer and these covered windstorms. The company later grew to a full-fledged insurance company in the year 1908 and from there, they were able to expand their services to cater to neighboring states. The company used to be called Windstorm Company. Today, it is one of the leading and most popular insurance providers in the Midwestern United States.
Different products offered
There really is not much difference to products offered by Hastings Mutual in comparison to other car insurance provider by the Midwestern states. You can expect that they have available products that include liability insurance, collision coverage, comprehensive coverage and uninsured/underinsured motorist protection.
There are also special products offered by this company CARS (Corporate Auto Insurance) and GAP coverage that can protect you from the depreciation of insured vehicles. One of the most popular products that Hasting Mutual has to offer is the MPG (Multi Protection Guard) coverage program which covers for travel interruption, car lease or loans, GPS theft, new replacement programs, coverage for the death of a pet and such incidents that will not be covered by the usual standard policy.
What is good about Hastings Mutual Car Insurance?
When it comes to the customer service of Hastings Mutual Car Insurance, this is something they can be proud of. This can be attributed to the fact that they only get to service a limited area in the Unites States that’s why they are able to focus more in promoting a good relationship with their clients.
This company is also known to constantly seek to promote innovative products. You can get some policies from them that are not offered by other car insurance companies. Take for example their policies that can cover for the loss of your pets. Do not expect that you can get this from all car insurance companies. This company also offers coverage for new gadgets installed in the car such a GPS systems.
Expect to get competitive prices by getting a no claims discount for up to 65%. You also have the benefit of using a free courtesy car in the event the event that your car is being repaired. You can easily add additional cover such as breakdown cover and legal protection.
Should you stick with Hastings?
While it is true that Hastings has innovative products to offer, their Internet service is another matter. The company website is not consistently running and at the moment, you cannot get a new insurance policy from their website. You will need to contact an agent if you want to buy a policy from them and this can be a problem if there is no available agent in your area. You may be redirected to another office or to the Michigan head office
Your other options
Even if you live in the Midwest of the United States, you will still need to compare other car insurance companies. You can always shop around by asking the opinion of family and friends or you can use the Internet to get the right policy for you. Comparison sites can help you find different quotes and different company reviews can help you find the best company who has an outstanding service. Take note of what really needs to be added in your policy so that you know what to buy. Consult with an insurance broker who can help you design the right policy.
Another matter that you should check about a company is its financial capability. You can easily have a background check with A.M. Best or Standard and Poor’s. This is very important since this reflects the insurance company’s capacity to fulfill claims in the future.
Arm yourself with a little knowledge and this can lead you to finding the best car insurance just for you. You must understand some basic terms and never forget to read the terms and conditions of the policy before signing anything. Having enough coverage can save you from a financial mess if you are involved in an accident.