Bear River Auto Insurance ReviewSunday, 15 December 2013 19:41
Bear River Mutual Insurance Company offers auto and a few other insurance products exclusively in the state of Utah. It is a well-established company with over 100 years of experience that has strong financials and a reputation for offering inexpensive auto insurance to the local market. Its products are sold through local agents. There is relatively little information about the company’s customer service practices, but the reviews online are generally mixed with some customers having positive experiences due to the low rates that are offered, and others having difficulties with claims processing.
Company Background Information
Bear River auto insurance is provided by Bear River Mutual Insurance Company, a Utah based provider that was founded in 1909 as Farmers’ Mutual Insurance Company by Wilard Snow Hansen. The company started off with the intention of tailoring its insurance services to the unique needs of local business owners and farmers. The local market at the time did not feel there was a particular need for insurance until Bear River was founded, and the company added auto insurance in the 1930s as well as homeowners insurance products in the 50s.
At the moment it is Utah’s largest auto insurance company and has several different insurance products including home, fire, auto, umbrella and others. Bear River sells its insurance through its licensed agents and agencies in Utah. The company was rated “A” by A.M. Best in the most recent financial strength ratings due to its long and established financial stability and history. It was not rated by J.D. Power in its customer satisfaction survey, most likely due to the smaller market size of the company.
Pros of Bear River Auto Insurance
- Utah’s largest auto and home insurance provider
- Long established company with strong financials
Cons of Bear River Auto Insurance
- Only available in one state
The discounts that are available by Bear River are not mentioned directly on the website; interested customers can meet with a Bear River agent to find out more information on any discounts that they might be eligible for.
Types of Insurance Offered
Bear River offers auto, homeowners, renters, condo, umbrella and dwelling insurance as its main insurance offerings. For auto insurance Bear River offers: physical damage, rental, RV/motor home, uninsured/underinsured motorist, and physical damage coverage. Roadside assistance can also be purchased separately.
The company website is quite simple but has most of the features that customers need including the ability to get a quote for auto insurance by contacting an agent, search for a local agent, and get basic information about the insurance products offered. The information is not as detailed as other insurance websites. Claims cannot be filed directly from the website, but information on how to report claims on the phone is available.
There are not many reviews of Bear River online, most likely due to the fact that the company is smaller. The reviews are mixed with some customers mentioning that their insurance products are inexpensive but that rate increases following an accident might cause initially low rates to go up. Other customers complained of delays with claims processing, low claim payouts, and difficulties receiving return calls from their customer service.
Bear River is a recommended auto insurance choice for those who live in the state of Utah due to the company’s strong financial stability and reputation for offering inexpensive coverage. Although there are a few customer complaints online, the same can be said for almost any other insurance provider. Rates from Bear River can be compared with other insurance providers in Utah, and if you are looking for auto insurance now you can get rates just by entering your zip code on this page.
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|AM Best Score||A|
|JD Power Rating||N/A|