UPDATED: Sep 5, 2020
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Back in 1876, a small insurance company which would one day grow to be known as Central Insurance began in Van Wert, OH. The originally started out as a fire insurance company selling their policies through independent agents as opposed to company salesmen.
Fast-forward 140 years later, and Central Insurance (together with All America Insurance Company) is now a $1 billion company. Central operates many independent regional entities. Their Central Regional office manages policies in MI, IL, IN, OH, and KY; their Northeast Regional office sells policies in NY, NH, MA, and CT; the Southeast Regional office primarily operates in MD, VA, TN, NC, SC, and GA; and lastly (but not leastly) the Central Southwest Regional office assists customers in CO, OK, TX, NM, and AZ.
Central Insurance Review
Everyone who pays for an automotive insurance policy wants two things: good customer service, and the assurance that their provider will pay out claims should the need arise. And for the most part, it looks as though Central Insurance possesses both of those attributes. A.M. Best has evaluated their financial strength with an “A”, meaning “excellent”, and the BBB has given them their A+ stamp of approval.
|A.M. Best (2016)||A|
|Better Business Bureau (2016)||A+|
|Customer Reviews||3/5 stars (average)|
As far as independent customer reviews go, there are a few easily-accessible websites online which have customer and former employee testimonials from those who have done business with Central in the past. And while some of these individuals have wonderful things to say about the company, a slightly smaller minority was Markedly unsatisfied with the way they do business.
Central Insurance Discounts
Because Central is such a large company and offers policies in so many different states, it is difficult for them to offer the same discounts everywhere. But that doesn’t mean you shouldn’t try to qualify for as many of the following as possible:
|Discount||How to Qualify|
|Package Credit||Bundling your auto and homeowner’s insurance into one single policy|
|E-Credit||Signing up for both of Central’s “E-Billing” and “E-Policy” options ($5 annual credit)|
|Customer Loyalty Credit||Credit earnings begin after 2 years of consecutive service; may culminate in a 10% discount after 10 years|
|“Insurance” Score||Policy discounts available for drivers with good credit scores|
|Payment Timeliness||Earn a credit on renewal policies if you’ve never received a cancellation notice for non-payment|
|Higher Deductible||Choosing a higher available deductible on your policy will earn you a credit|
|Elite New Policy Discount||For new policy holders: a) carry higher Liability coverage limits b) have and maintain a good “insurance” (read: credit) score c) keep traffic violations to a minimum|
|Paid in Full||If you pay your automotive insurance premium annually instead of monthly, you can earn a 5% discount|
|Vehicle Safety Features||Have passive restraint and antitheft devices installed on your car|
|Accident Prevention||Completing an approved accident prevention course|
|Teen Driver Discounts||When you add a teen driver to your family auto policy, you can earn discounts for teenSMART driver safety courses, good grades, and driver training|
Central Auto Insurance Options
If you’re just in the market for a basic policy from Central Insurance, you can choose from the bare minimum coverages and coverage limits to drive legally where you live, or add other options:
- Liability (Property Damage and Bodily Injury)
- Medical Payments
- Uninsured Motorist
But if that isn’t enough to protect your vehicle, you can also choose between:
- Auto Plus Coverage – Adds protection for serpentine or alternator malfunctions on the road, hit-and-run coverage while your car is parked, and a doubling of your medical payments if you are injured in an accident while wearing a seatbelt. While this plan isn’t available in KY or TX, slightly altered versions are available in MI, NY, NC, and VA.
- Central Mutual Summit Auto Policy – offers over a dozen different benefits and coverages that a basic auto policy does not, including pet injury coverage, child safety seat coverage, loan/lease gap coverage, and more. However, exact details of this plan will vary in AZ, CO, IL, KY, MI, NY, NC, VA, and TX.
- Central Signature Auto Policy – Adds towing & transportation expenses, worldwide rental coverage, loan/lease gap coverage, OEM replacement, and short-term replacement cost loss settlement to a regular auto policy. Conditions may vary in AZ, IL, KY, MI, NH, NY, OH, TX, and VA.
Comparing Central Insurance Quotes
Comparing quotes between companies is a great start toward getting the best deal on your automobile insurance. But the reality is that your personal circumstances can also have a dramatic effect on your rate: