Mid Century Insurance Company Review (2024)

Mid Century is a subsidiary of Farmers Insurance, providing car insurance quotes for its parent company. Mid Century’s rates are higher than most competitors, but multiple discounts are available to lower costs. Additionally, Mid Century Insurance has been rated an A by A.M. Best.

Knowing more about the Mid Century Insurance Company will help you decide if the company is the best option for your insurance needs. Before starting this Mid Century Insurance Company review, enter your ZIP code to find free car insurance rates in your area.

Mid Century Insurance Company Monthly Rates vs U.S. Average

Mid Century Insurance Company Costs

Mid Century Insurance Company, a subsidiary of Farmers Insurance, offers car insurance coverage to customers across the United States. To make an informed decision about your insurance needs, understanding the costs associated with their policies is crucial. Here are the pricing structure of Mid Century Insurance and explore how it stacks up against other insurance providers.

• Location: Your geographic location plays a crucial role in determining your insurance costs. Insurance rates can vary from state to state and even within different ZIP codes. Areas with higher instances of accidents, theft, or extreme weather conditions tend to have higher insurance premiums.
• Driving History: Your personal driving record is another significant factor. Drivers with a history of accidents, traffic violations, or DUIs may face higher premiums. Conversely, those with a clean driving record typically enjoy lower rates.
• Type of Coverage: The specific type of coverage you choose will impact your costs. Basic liability coverage tends to be more affordable than comprehensive coverage, which offers more extensive protection for your vehicle.
• Vehicle Type: The make and model of your car can influence your insurance costs. Expensive or high-performance vehicles typically have higher premiums due to the increased cost of repairs or replacement.
• Age and Gender: Young and inexperienced drivers often face higher premiums, while older, more experienced drivers may benefit from lower rates. Gender can also be a factor, as some states consider it when setting rates.
• Credit Score: In some states, your credit score can be used to determine your insurance rates. A higher credit score may result in more favorable premiums.
• Discounts: Insurance companies often provide discounts for various reasons, such as bundling multiple policies, being a safe driver, completing defensive driving courses, and more. Taking advantage of these discounts can help reduce your insurance costs.
• Coverage Limits: The limits and deductibles you choose for your policy will influence the price. Higher coverage limits and lower deductibles typically result in higher premiums.
• Annual Mileage: The number of miles you drive annually can impact your rates. The more you drive, the higher the risk of accidents, which can lead to increased premiums.
• Insurance Company: Different insurance companies have varying pricing models and underwriting criteria. Comparing quotes from multiple providers, including Mid Century Insurance, can help you find the most cost-effective option.

The cost of insurance can vary based on a multitude of factors, and Mid Century Insurance Company is no exception. While it’s important to note that specific rates will depend on individual circumstances, we’ve provided insights into the company’s pricing in comparison to competitors.

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

Coverage Options With Mid Century Insurance Company

Mid Century Insurance Company understands that every driver’s insurance needs are unique. To address this, they offer a selection of coverage options to provide tailored protection. Whether you’re seeking the basics or more comprehensive coverage, understanding the available options is essential. Here are the coverage choices offered by Mid Century Insurance to help you make an informed decision about your insurance needs.

• Liability Coverage: This is the foundational coverage required in most states. It includes Bodily Injury Liability, which covers medical expenses and legal costs if you injure someone in an accident, and Property Damage Liability, which covers damage to someone else’s property in an accident where you’re at fault.
• Collision Coverage: This coverage helps pay for repairs to your vehicle in case of a collision, regardless of fault. It’s essential for protecting your vehicle.
• Comprehensive Coverage: Comprehensive coverage handles non-collision-related damage to your vehicle, such as theft, vandalism, natural disasters, or animal collisions.
• Uninsured/Underinsured Motorist Coverage: This provides protection in case you’re in an accident with a driver who doesn’t have insurance or whose insurance is insufficient to cover your costs.
• Medical Payments Coverage: This coverage helps pay for medical expenses for you and your passengers in the event of an accident, regardless of fault.
• Personal Injury Protection (PIP): PIP coverage goes a step further than Medical Payments by also covering lost wages and other expenses related to injuries resulting from an accident.
• Rental Car Reimbursement: This optional coverage pays for the cost of renting a vehicle while your car is being repaired after an accident.
• Towing and Roadside Assistance: This optional coverage provides assistance in case your vehicle breaks down on the road, including services like towing, jump-starts, and tire changes.
• Custom Equipment Coverage: If you’ve added custom features or equipment to your vehicle, this coverage ensures those modifications are protected.
• Full Glass Coverage: This option covers the cost of repairing or replacing your vehicle’s glass without a deductible.
• Additional Coverage Options: Mid Century Insurance also offers additional options like rideshare coverage for Uber or Lyft drivers, new car replacement coverage, and more to tailor your policy to your specific needs.

Mid Century Insurance Company offers a variety of coverage options to accommodate different needs and preferences. As you consider your insurance requirements, remember that selecting the right combination of coverages is crucial to ensure you’re adequately protected while staying within your budget.

Read more: Mid-Century Insurance Company of Texas Car Insurance Review

Discounts With Mid Century Insurance Company

Mid Century Insurance Company recognizes that affordability is a top priority for its customers. To make insurance coverage more budget-friendly, they offer a range of discounts. These discounts can apply to various aspects of your policy, from your driving habits to your vehicle’s safety features. Here are the discounts available through Mid Century Insurance Company and how they can help you save on your insurance premiums.

1. Safe Driver Discounts
2. Multi-Policy Discount
3. Good Student Discount
4. Defensive Driving Course Discount
5. Anti-Theft Device Discount
6. Vehicle Safety Features Discount
7. Multi-Car Discount
8. New Car Discount
9. Paid in Full Discount
10. Policy Renewal Discount

Saving on your insurance premiums is a goal shared by many policyholders. Mid Century Insurance Company offers a selection of discounts that can help you achieve this goal while maintaining the coverage you need. As you explore your insurance options, consider how these discounts can be applied to your policy, potentially providing you with valuable savings.

Streamlining Experience With Mid Century Insurance Claims Process

Ease of Filing a Claim

Mid Century Insurance Company offers multiple convenient options for filing insurance claims. Customers can choose to file their claims online through the company’s website, over the phone by calling the provided customer service number, or even through the company’s mobile app for added flexibility. This variety of methods ensures that policyholders can easily initiate their claims using the channel that suits them best.

Average Claim Processing Time

The average claim processing time with Mid Century Insurance is an important consideration for customers seeking timely resolutions. While specific processing times may vary depending on the nature and complexity of the claim, Mid Century Insurance aims to provide efficient service.

To get a clearer picture of the typical processing time, customers can inquire with the company directly or check their website for any available statistics.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is invaluable when assessing an insurance company’s performance in handling claims. Mid Century Insurance encourages policyholders to share their experiences with the claim resolution process. By reviewing customer feedback and testimonials, potential customers can gain insights into the company’s track record in delivering fair and satisfactory claim resolutions and payouts.

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

Exploring Mid Century Insurance Digital and Technological Innovations

Mobile App Features and Functionality

Mid Century Insurance offers a mobile app with a range of features and functionality designed to enhance the customer experience. The app provides users with the ability to manage their policies, access digital insurance cards, and file claims directly from their mobile devices. It’s essential for policyholders to explore the app’s capabilities to make the most of these digital tools.

Online Account Management Capabilities

For those who prefer to manage their insurance policies online, Mid Century Insurance offers robust online account management capabilities. Customers can log in to their accounts through the company’s website to view policy details, make payments, and update personal information. This online portal simplifies the policy management process and provides easy access to essential information.

Digital Tools and Resources

In addition to the mobile app and online account management, Mid Century Insurance provides various digital tools and resources to assist policyholders. These may include educational resources, insurance calculators, and tools to help customers make informed decisions about their coverage. Exploring these digital resources can help customers better understand their insurance options and make informed choices.

Customer Reviews

The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) review complaints made about insurance companies. Examining these reviews allow customers to determine a company’s quality of service.

The BBB hasn’t received any complaints about the Mid Century auto insurance company but has received 807 complaints about Farmers Insurance during the past three years. Most of these complaints are about the company’s services and billing practices.

The NAIC lists Mid Century Insurance as having 97 complaints and a complaint index ratio of 1.84. These numbers indicate that Mid Century has more complaints than the average company of a similar size.

History and Mission of Mid Century Insurance Company

Established in 1949 and headquartered in Woodland Hills, California, Mid Century Insurance Company is a subsidiary of Farmers Insurance Group, one of the largest and most recognized insurance organizations in the United States.

With a history spanning over seven decades, Mid Century Insurance has been dedicated to providing reliable property and casualty insurance options. The company’s mission revolves around offering flexible coverage options, maintaining strong financial stability, and delivering exceptional customer service to meet the unique needs of policyholders.

Mid Century Insurance Company continues to strive for excellence, prioritizing customer satisfaction and financial security in every aspect of their operations.

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

Mid Century Insurance Company: The Bottom Line

The Mid Century Insurance Company is a subsidiary of Farmers Insurance, providing car insurance to Farmers customers. Rates are higher than many competitors, but the company offers several saving opportunities. Learning more about the Mid Century Insurance Company will help you decide if it’s a good fit for you.

Now that you know about the Mid Century Insurance Company, enter your ZIP code to get free car insurance quotes in your area.

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption