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Central Mutual Auto Insurance Review

Central Mutual Auto Insurance is an auto insurance company that offers so much more than the liability coverage and typical optional coverage that people can find from most other auto insurance companies. Most auto insurance companies are seeking to distinguish themselves from the crowd by offering an extension on the coverage that every company has, but Central Mutual Auto Insurance has added coverage that is truly unique. 

Types of Coverage

The basic types of auto insurance people can purchase from Central Mutual Auto Insurance are: 

  • Liability
  • Medical Payments
  • Uninsured Motorist
  • Collision
  • Comprehensive 

Liability and Medical Payments Insurance

By purchasing auto insurance from Central Mutual, drivers will be able to pay the bills after they are discovered to be the cause of a car collision. They also give people without adequate health insurance the option of purchasing insurance that will help pay their own medical bills with Medical Payments coverage.

two ppl pointing fingers at each other

Uninsured Motorist Coverage

Customers of Central Mutual may also purchase coverage that will pay for their property damages and bodily injuries if they are hit by an uninsured driver with Uninsured Motorist coverage. This type of coverage also pays if the driver that hits the insured is a hit-and-run driver.

Collision and Comprehensive Coverage

Central Mutual Auto Insurance also has the more typical optional coverages that will add to their liability coverage; this type of coverage insures the policy holders’ own vehicles when they are the ones at fault in the accident. Collision coverage takes care of these expenses. Comprehensive coverage will repair damages caused after the vehicles are damaged in a way that does not include the car collision. 

Reasonable Pricing with Central Mutual Auto Insurance

Central Mutual is know for offering affordable car insurance. Liability and optional insurance coverage can be purchased for reasonable prices with Central Mutual Auto Insurance. Some people find that they require even more coverage, but Central Mutual Auto Insurance Company will offer this extra coverage at the low prices they are known for charging. Get cheap car insurance quotes for FREE by entering your ZIP code above.

Auto Plus

The Auto Plus coverage pays for very specific car-related events such as: 

  • Serpentine Belt Breakage
  • Alternator Belt Breakage
  • Towing Costs
  • The deductible for the collision coverage will be waived in the event that a hit-and-run driver hits the parked insured car
  • If the insured have a set amount of Medical Payments coverage and they were injured while they were wearing their seat belts, they will be entitled to double the set amount 

Summit Auto Policy

The Summit Auto Policy takes coverage even farther, but does not charge a premium price for this premium coverage. This coverage gives the owner of a car less than a year old a replacement if this will cost less than repairing the car. Also with this coverage, policy holders will have their windshields repaired without having to pay the comprehensive policy’s deductible.

Rental Coverage

Another type of extra coverage under this policy applies to rental cars. Rental car companies charge their customers who damage their vehicles while the cars are being repaired for loss of use. With Central Mutual Auto Insurance Company’s Summit Auto Policy, policy holders can purchase up to $1,000 coverage for the rental company’s loss of use charges. 

Out-of-the-Ordinary Coverage

The above-listed benefits of having the Summit Auto Policy are types of coverage that people will not find from most auto insurance companies. Central Mutual Auto Insurance adds a lot more including: traffic speed camera empty road

  • Guaranteed Auto Protection (GAP) insurance coverage
  • Coverage for transportation costs
  • Coverage for those who have locked themselves out of their vehicles
  • Coverage of Emergency vehicle charges
  • Coverage for electronic equipment
  • Coverage for personal belongings
  • Towing costs
  • Labor costs
  • Replacement for expended air bags
  • Some deductibles waived for collision and comprehensive coverage
  • Death benefits 

Not every auto insurance company gives people a chance to purchase an umbrella policy that extends their liability coverage. Auto insurance companies can only sell so much liability insurance; this means that auto insurance companies limit how much they will pay for bodily injuries and property damages. Generally, these limits will be above the limits that the states set, but it may not be as much as each individual driver would like to purchase.

Umbrella Insurance

To extend their coverage, people purchase umbrella coverage that increases their limits much higher than the hundreds of thousands of dollars most liability policies set. The umbrella policy people can purchase from Central Mutual Auto Insurance can take these limits up to $1,000,000. 

Discounts from Central Mutual Auto Insurance

As with other auto insurance companies, Central Mutual Auto Insurance gives people a break on their coverage with auto insurance discounts. Ordinarily, auto insurance companies do not reward loyalty. The exception is Central Mutual Auto Insurance that will offer a two percent credit after their customers have remained with the company for two years. This credit has the potential of reaching 10 percent. 

Central Mutual Auto Insurance is just one company that people seeking auto insurance will receive free quotes from when they give this website their information. If you want to compare auto insurance quotes for FREE, enter your ZIP code in our car insurance comparison tool.

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