Last Updated: October 2019
Disclaimer: We are not California Casualty Insurance Company. Rootfin is an independent agency that reviews insurance companies to deliver up to date and unbiased facts to consumers to allow them to make the best decision possible when purchasing auto insurance coverage.
This review of California Casualty Insurance Company is approximately a 5-minute read from beginning to end.
We will touch on topics such as the coverage cost, coverages available, and the pros and cons you will experience as the consumers choosing California Casualty as your auto-insurance provider.
We have also provided easy to navigate links directly below that will allow you to skip to any specific section of this post that you desire to learn more about.
Here’s what we intend on covering in today’s review:
- Our California Casualty Review
- History of California Casualty
- Financial Strength and BBB
- Consumer Complaints and BBB Rating
- Auto Coverages Available
- What Makes California Casualty Unique?
- Who Should Consider California Casualty?
- Cost of California Casualty Auto Coverage
- Discounts Available
- Rideshare Coverage
- Pros of Choosing California Casualty
- Cons of Choosing California Casualty
- Final Thoughts
Lastly, for those of you in a time crunch, we wanted to provide you with a quick 1-minute overview of the company and have you on your way.
Here is that brief synopsis for you:
California Casualty is a major insurance provider in the U.S. and offers auto coverage in more than 40 states.
California Casualty is known explicitly for offering excellent, robust and competitively priced coverage for firefighters, police officers, first responders, and other public employees such as teachers.
California Casualty also offers a good number of discounts.
If you are eligible for said discounts or work in one of these listed job fields, California Casualty is absolutely a company worth running rates with.
However, as we always say, running a rate with 1 company is never good enough.
You always need to be comparing rates with a minimum of 5-6 auto insurance providers to find the best pricing and most complete coverage in your area.
Plain and simple.
That’s the brief summary of California Casualty.
If you happen to have those 5 minutes to spare, we recommend that you read our full review of the company directly below.
Here are the details that you need to know.
Our California Casualty Review
California Casualty Insurance Company is a bit different from other insurance companies we have reviewed in the past.
First and foremost, their target market, and individuals that they prefer to offer coverage to include firefighters, police officers, teachers, and medical professionals.
California Casualty is a specialty insurance provider and specifically targets these individuals and is endorsed currently by the NEA (National Education Association).
Don’t let the name of the company fool you either.
Currently, California Casualty Insurance Company offers coverage in more than 40 states across the US.
Currently, California Casualty offers a long list of available coverages to consumers that include the following options:
- Auto Insurance
- Motorcycle Insurance
- Homeowners Insurance
- Condo Insurance
- Mobile Home
- Boat and Other Watercraft
- Recreational Vehicles
- Earthquake Coverage
- Flood Insurance
- Personal Umbrella
- Pet Insurance
History of California Casualty
California Casualty Insurance Co. was initially founded in 1914 by Carl G. Brown and began as the California Casualty Indemnity Exchange.
The company has always been focused on high ethical standards and took pride in running its business model with a high level of integrity.
It wasn’t until 1951 that the company decided to start marketing and offering coverages to firefighters, teachers, and law enforcement and began expanding nationally into the 40 + states they currently operate in today.
California Casualty is currently headquartered in San Mateo California.
Financial Strength and BBB
Insurance companies are typically under the publics’ microscope when it comes to financial strength ratings since financial strength ratings can be a large indicator of the company’s ability to pay claims and hold true to promises to loyal policyholders.
With California Casualty, this is an area where they do an above-average job being provided an A- rating, which is considered excellent by A.M. Best.
Additionally, California Casualty currently is being provided a well-above-average claim-paying satisfaction that sits at 97%.
California Casualty clearly makes a strong effort towards taking care of loyal policyholders and should give consumers the peace of mind knowing they are covered if tragedy did happen to strike.
Consumer Complaints and BBB Rating
Currently, as stated previously, California Casualty has one of the highest claims paying customer satisfaction ratings that can be provided.
In addition, California Casualty has a very low number of complaints in the last 3 years, according to the BBB.
For a company operating in 40 plus states, this is far lower than other companies we typically see during our thorough reviews.
Auto Coverages Available
Now comes the most crucial part of this review.
What kind of coverages do you have the option of purchasing with California Casualty?
Currently, you can purchase all the standard and baseline coverages you can find with nearly any auto-insurance providers across the country.
These typically include coverages such as the following:
Additionally, if you purchase coverage through California Casualty, you have the option to purchase these additional coverages, but they will cause your premiums to be more expensive each month.
Rental Coverage- This coverage is too reimburse the insured for expenses encountered renting a vehicle while repairs or a replacement vehicle is lined up.
Pet Protection- Covers vet bills that occur due to injury to a pet involved in an auto accident.
Custom Equipment Coverage- This coverage additional add on equipment to a vehicle such as aftermarket stereos, rims, tires, and other upgrades.
What Makes California Casualty Unique?
California casualty is unique due to offering such great discounts and perks to a large majority of public employees, including first responders and teachers.
Any of you who fall into this group of individuals would certainly be wise to run a quote with the company to compare it against other companies.
Who Should Consider California Casualty?
For the exact same reason that makes the company unique, any individuals who currently work as a firefighter, police officer, EMT, or even public teacher should be considering coverage with California Casualty.
California Casualty even offers other perks such as fallen hero survivor benefits or additional coverage for officers killed in the line of duty.
When you factor in these perks plus discounts that can be applied, California Casualty may very-well be one of the best options a first responder may be able to find.
Cost of California Casualty Auto Coverage
The cost of auto insurance is hard to determine as a blanket rate that applies to all individuals.
This is purely because everyone’s unique profile is different.
This could be your driving record, credit history, among other factors.
However, based on sample rates, it’s clear that individuals that have clean driving records, qualify for discounts, and apply for full coverage can achieve very competitive rates on their auto insurance coverage.
They are 100% a company worth running rates with if you currently live in an area where coverage is offered.
Discounts can go a long way towards helping individuals lower their rates.
Currently, with California Casualty, you can look at these discounts to determine your eligibility:
- Good Driving Discount
- Good Student Discount
- Mature Drive Discount
- Multi-Vehicle Discount
- Driver Training Discount
Rideshare coverage is not something advertised by California Casualty during our review.
However, this doesn’t necessarily mean that the company doesn’t provide additional coverages for individuals who currently drive for uber and lyft.
Be sure that when you are comparing rates, that you inquire about this coverage.
The extra protection is something overlooked far too often by rideshare drivers who are often underinsured and placing themselves at risk every day.
Pros of Choosing California Casualty
California Casualty has many unique strengths we wanted to list.
However, we narrowed it down to the following list:
- Great Coverage for Public Employees and First Responders
- Robust Coverage is Available
- The coverage area is large, with more than 40 states available.
Cons of Choosing California Casualty
On the flip side, here’s what we believe to be the most significant drawbacks working with California Casualty.
- More Tech Savvy Options are Available
- Lower Brand Recognition
- Financial Strength Ratings Lower than Other Options
After reviewing the pros and cons of the company, they are certainly an excellent pick for first responders and individuals who can qualify for several discounts.
However, the market for auto insurance is plentiful and robust.
Not to mention that extremely tech-savvy and streamlined options are becoming available more often in today’s economy.
It’s always imperative to run rates with multiple providers before ultimately drawing any conclusions.
This gives you the best opportunity to find the cheapest coverage and the chance to find the most robust coverage tailored towards your specific needs.
Best of luck during your search.