Disclaimer: We are not West Bend Mutual Insurance Company. This review is designed to deliver the information needed to help consumers understand if West Bend Mutual is a top option to consider for auto insurance coverage.
Our West Bend Mutual Auto Insurance Review is approximately a 4-minute read from start to finish.
During our review, we will cover specific topics about the company, including the discounts available, the possible rates, and the options for coverage.
Below, you will find quick-jump links you can use to skip to any specific section of this post that you desire to learn more about.
Here’s what we will cover during our review:
- Our West Bend Mutual Auto Insurance Review
- Company History and Background
- Financial Strength Ratings
- Consumer Complaints and the BBB
- Auto Insurance Coverages Offered
- Discounts Available with West Bend
- Cost of West Bend Auto Coverage
- What Makes West Bend Unique?
- Who Should Consider West Bend Auto Insurance?
- Rideshare Coverage with West Bend
- Pros of Choosing West Bend
- Cons of Choosing West Bend
- Final Thoughts
For any individuals who need the information on West Bend Insurance quickly, we have also provided a quick 1-minute summary of the company directly below.
West Bend Mutual Auto Insurance is a multi-line insurance provider currently operating primarily in the Midwest.
West Bend Mutual offers several discounts and several lines of coverage, such as homeowners’ insurance, auto insurance, and personal business insurance.
West Bend is a financially stable and reliable company to work with that has been around more than 125 years and is backed by A+ financial strength ratings.
Overall, if you live in these coverage areas, West Bend is a company worth comparing rates with before ultimately deciding who the best car insurance company for you may be.
That’s the easy way to explain West Bend Mutual.
If, however, you have the time and need further information on the company, we highly recommend you take the time to read our full review of the company directly below.
Here is what you need to know.
Our West Bend Mutual Auto Insurance Review
West Bend Mutual Insurance is a Wisconsin based insurance company that currently markets and offers insurance in the following states:
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Michigan
- Minnesota
- Missouri
- Nebraska
- Ohio
While serving most of the Midwest, West Bend Mutual offers several different personal lines of insurance coverage such as auto insurance, home insurance as well as business insurance.
West Bend would be considered a company that offers products using independent agents.
This is different than what you may typically see with other companies such as State Farm Insurance or even Farmers Insurance Company.
Independent agents can shop multiple auto-insurance providers for you, which can be beneficial if you happen to have unique circumstances or possibly even a poor driving record.
Anytime you struggle to get coverage, working with an independent auto insurance agent is always best your bet.
This ensures you are ultimately achieving the best rates and coverage near you.
In fact, working with an independent agent if often what we suggest for consumers that are purchasing any form of coverage such as auto insurance, home insurance, or even life insurance.
Company History and Background
West Bend Insurance initially was founded as a mutual company and has remained that way ever since.
Initially founded in 1894, West Bend certainly has a strong reputation and has been providing insurance to the consumer for more than 125 years.
The company was initially founded in response to a vast majority of the city suffering significant property loss from a fire.
The company strived to provide affordable, broad coverage to help individuals protect assets from tragedy, and the company still takes substantial pride in customer service and operating the company with integrity.
In 2019, West Bend still ranks in the top 75 for the best auto and home insurance providers in the country and has more than 1,500 agents that help market and distribute products on their behalf.
With 125 years under their belt, it’s clear that West Bend is a company that is here to stay and a company you can trust with your auto-insurance business.
Financial Strength Ratings
Financial strength ratings can go a long way towards helping the consumer understand how much muscle a company has in the form of financials and how likely they are to remain strong and capable of upholding promises to pay claims to loyal policyholders.
Currently, West Bend is sitting on an A+ rating, which is considered Superior.
This is the second-best rating you can be provided by A.M. Best.
It’s clear that if you have any issues or hesitations about purchasing coverage through West Bend, that financial strength ratings should not be the reason why.
Consumer Complaints and the BBB
Consumer complaints can help consumers understand if they are in for a smooth ride or a bumpy ride working with any one company.
Currently, with West Bend Mutual, consumer complaints are nothing to worry about.
Although they have no rating provided by J.D. Power and Associates, they do receive the highest score possible from the BBB, which is an A+.
Additionally, West Bend is currently being awarded 4.5 out of 5 stars and only has 17 total complaints closed in the past 3 years, which much lower than what we typically see with other auto insurance providers relative in size.
Auto Insurance Coverages Offered
The coverages offered by auto insurance providers is one of the most important aspects to consider.
Currently, West Bend is going to offer all the standard coverage options you typically see with any other insurance company.
These include the following coverages:
- Liability Coverage
- Medical Payments (PIP)
- Collision Coverage
- Comprehensive Coverage
In addition to those basic coverages above, you also have the option to purchase these additional coverages at an increased premium:
- Classic Car Coverage
- Roadside Assistance
- No-Deductible Coverage
- Lowest Premium Coverage
- Low Mileage Coverage
Discounts Available with West Bend
Discounts can go a long way towards helping consumers save money on their car insurance.
It’s one of the most significant factors you should be inquiring about when trying to find the best auto-insurance in your area.
Here’s a look at the discounts currently offered by West Bend Mutual Insurance.
- Safe and Accident-Free Discount
- Protective Devices Discounts
- Good Student Discount
- Anti-Lock Brakes Discount
- Pay Online Discount
- Claims Free Discount
- Financial Stability Discount
- Multi-Vehicle Discount
- Resident Student Discount
Cost of West Bend Auto Coverage
The cost of car insurance with West Bend is going to vary significantly as you would experience with any car insurance provider you elect to investigate.
Currently, West Bend is known for offering competitive rates throughout the Midwest for safe drivers and drivers who can qualify for several discounts and potentially bundle other lines of insurance.
Overall, we always recommend that you compare rates with a minimum of 5-6 car insurance providers before ultimately deciding who the best company may be for you.
What Makes West Bend Unique?
West Bend Mutual is unique for a few reasons.
For starters, they are exclusive to providing coverage in the Midwest.
Additionally, they offer 24×7 support, a long list of discounts, and have been in business for more than 125 years.
All these perks begin to add up and make West Bend a clear choice to run a quote with if you live in an area where they currently offer coverage.
Who Should Consider West Bend Auto Insurance?
As you will find with many car insurance providers, West Bend is fantastic for individuals who can qualify for several discounts or individuals who currently have other lines of insurance with West Bend.
If you fall into this group, run a rate with the company.
However, don’t forget about other National top-notch providers that could potentially offer lower rates such as Geico, Liberty Mutual, and even Nationwide.
Rideshare Coverage with West bend
Rideshare coverage is currently not offered by West Bend Insurance.
If you currently have coverage with West Bend or you’re considering it and drive for uber or lyft, you likely would be better off switching car insurance providers.
Uber and Lyft provide very minimal coverage for their drivers, and not adding additional protection can potentially end in tragedy and financial ruin.
Pros of Choosing West Bend
After combing through the company and looking at all aspects, here is what we believe to be the most significant advantages of choosing to work with West Bend Mutual.
- In Business More than 125 Year
- A+ Financial Strength Rating
- Competitive Rates with Plenty of Discounts
Cons of Choosing West Bend
On the other hand, here is what we believe to be the most significant disadvantage of choosing to do business with West Bend:
- Better Coverage and Pricing is Available
- Limited Availability Based on Residence
- Less Tech-Savvy Than Other Options
Final Thoughts
No matter where you live in the country, you always have dozens of companies as options to provide you with car insurance.
The key is finding the cheapest rates while being provided the most robust coverage possible.
The only way to achieve this is by running rates with multiple car insurance providers and comparing them side by side.
This ensures you keep your hard-earned money in your pocket and have the protection you deserve.
Best of luck in your hunt for the best coverage.
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