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Written by
Daniel Walker |
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Reviewed by
Daniel Walker
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UPDATED: Jun 28, 2022
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SECURA offers two auto insurance packages to customers in 12 states. The company has competitive rates and has been rated an A by A.M. Best. However, the company offers fewer customization options than most competitors.
Knowing more about SECURA Insurance will help you determine if the company is a good fit for your car insurance needs.
Before jumping into this SECURA review, enter your ZIP code to find free auto insurance rates in your area.
The cost of coverage is a common concern among auto insurance customers. Insurance companies use various factors to determine the risk of applicants, and riskier drivers will experience higher rates. Some of the factors that companies consider include:
Since several factors go into rates, it’s impossible to estimate the cost of coverage without knowing about the driver. However, comparing the average rates of different insurance companies will help you determine the most cost-effective option.
The following chart shows the average annual rates for full coverage and minimum coverage from SECURA and other companies in Illinois.
SECURA Auto Insurance Average Annual Full Coverage and Minimum Coverage Rates vs. Other Companies in Illinois
| Company | Average Annual Minimum Coverage Rates | Average Annual Full Coverage Rates |
|---|---|---|
| AAA | $1,103 | $3,772 |
| Allstate | $416 | $1,637 |
| American Family | $1,038 | $2,598 |
| Farmers | $460 | $1,100 |
| Geico | $267 | $928 |
| Nationwide | $362 | $1,098 |
| Progressive | $525 | $1.299 |
| SECURA | $282 | $905 |
| State Farm | $316 | $935 |
| Travelers | $402 | $916 |
As you can see, the average affordable SECURA auto insurance rates are lower for minimum coverage and full coverage than most competitors.
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Most car insurance companies offer a la carte coverage, allowing policyholders to choose which coverages they prefer. Instead of a la carte insurance, SECURA offers two unique coverage packages.
Despite not offering a la carte insurance, SECURA provides standard auto insurance options. The following table shows the typical types of car insurance that you can find from SECURA.
SECURA Auto Insurance Coverages
| Auto Insurance Types | Purpose of Coverage |
|---|---|
| Bodily injury liability | Pays for medical bills if someone else suffers an injury in an accident caused by you. |
| Collision | Covers damage to your car after an accident. |
| Comprehensive | Covers damage to your car when you’re not driving. |
| Property damage liability | Liability coverage that covers the cost of any property damage you’ve caused in an accident. |
| Uninsured/underinsured motorist | Covers the costs if you’re in an accident caused by a driver with little or no car insurance. |
Where SECURA differs from other companies is in its Mile-Stone packages. The company offers customers two different plans. The following table shows the unique groups of coverage provided in these packages.
SECURA Auto Insurance Mile-Stone Package Coverages
| Coverage Type | Coverage Description |
|---|---|
| Traveler Rescuer | Provides emergency assistance, including travel and medical assistance. |
| Roadside Rescuer | Provides roadside assistance, including tire changes, lockout service, and towing. |
| Identity Theft Protection | Reimburses for recovery expenses. |
| Pet Protector | Reimburses for treating an injured pet or replacing a pet after death in your home or car. |
| Accident Forgiveness | Rates don’t increase after one accident. |
| Glass Express | Repairs or replaces damaged windshields and windows. |
The Mile-Stone Gold package is the most comprehensive option for customers. This all-inclusive plan includes all of the coverages shown in the table above.
The Mile-Stone Basic plan is cheaper, only including Roadside Rescuer and Identity Theft Protection. However, customers can add some of the other coverages. Adding options not included in the basic plan will increase SECURA auto insurance quotes.
In addition to auto insurance, SECURA offers various other types of coverage, including business, renters, and home insurance.
While SECURA has lower rates than many competitors, they can still be high depending on your history and lifestyle. Like most insurance companies, SECURA provides various discounts that can lower the cost of coverage.
The SECURA auto insurance company discounts depend on various aspects of a driver’s life, like driving habits, schooling, and vehicles. The following table shows some of the saving opportunities offered by SECURA.
SECURA Auto Insurance Discounts
| Auto Discount | Discount Eligibility |
|---|---|
| Hybrid car | Driving a hybrid vehicle. |
| Good student | Drivers between the ages of 16 and 24 and enrolled full-time in school maintain a 3.0 grade point average. |
| Claim/violation-free | Avoid traffic citations and violations. |
| Select pay | Pay in full or set up automatic electronic fund transfer (EFT). |
| Good credit | Driver has a good credit score. |
| Loyalty | Insured maintains its policy with SECURA over an extended period. |
| New home | Insured owns a home that’s less than 10 years old. |
| Safety features | Car has factory-installed safety features. |
SECURA provides many of the standard discounts you’ll find with many competitors. When inquiring about coverage, ask about all discounts to ensure that you get the best possible price.
Insurance companies are regularly rated based on their financial strength. Credit rating agencies provide these ratings to indicate the company’s likelihood of providing a payout when customers file a claim.
SECURA has been rated an A by A.M. Best, the most trusted credit rating agency. This rating is excellent and indicates that the company will provide a payout in most circumstances.
The Better Business Bureau (BBB) regularly rates companies based on their business practices. SECURA has been rated an A+ by the BBB, the highest possible rating. This rating indicates that the company is transparent and trustworthy when dealing with customers.
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The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) allow insurance customers to list complaints on their websites. They also review complaints made about a company to provide detailed information on its customer service.
At the time of this review, the BBB has received only four complaints about SECURA Insurance during the past three years. Three of the complaints were about billing, and the other was regarding delivery issues.
According to the NAIC, SECURA has only received seven complaints and has a complaint index ratio of 0.71. These numbers indicate that the company has far fewer complaints than insurance companies of a similar size.
The numbers provided by the BBB and the NAIC show customers that they can expect quality customer service. However, reading through individual complaints will help you determine if the grievances should concern you.
SECURA allows customers to file a claim online or by phone, email, or fax. The best way to file a claim depends on your most comfortable form of communication. Those preferring to file a claim online can do so by filling out an online claim form on the SECURA website.
The company also provides two numbers if customers want to file a claim over the phone. Policyholders in the eastern or central time zones can call the SECURA claims phone number at 1-800-318-2136. Those in the mountain time zone can call 1-866-356-7870.
Filing a claim online or by phone is the most common method, but SECURA allows customers to file by email or fax. The SECURA claims department can be reached by email at [email protected] or fax at 1-800-318-2209.
As previously mentioned, SECURA auto insurance is currently only available in 12 states. These states include:
Drivers in these states can find independent agents that can help them find the best package for their auto insurance needs.
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SECURA auto insurance is a good option for many customers, but not for everyone. Drivers that should buy SECURA auto insurance include those looking to bundle home and auto insurance or those who want to reduce the cost of coverage with discounts.
However, SECURA is not a good option for drivers who desire to customize their coverage. The company also provides coverage in a limited number of states, so most drivers in the United States are ineligible based on location.
SECURA was founded in 1900 in Seymour, Wisconsin, by Julius Bubolz. Originally named the Farmers Home Mutual Hail, Tornado, and Cyclone Insurance Company, it remains a mutual insurance company represented by more than 550 independent agents.
SECURA differs from most insurance companies by offering two packages of coverage. The company provides the standard auto coverages but lacks customizability. However, SECURA has been rated an A by A.M. Best and has fewer complaints than most competitors.
Learning more about SECURA auto insurance will help you decide if the company is right for you.
Now that you know about SECURA auto insurance, enter your ZIP code to get free car insurance quotes in your area.
SECURA Auto Insurance Review [2022] is a company that was incorporated in 1900. SECURA Auto Insurance Review [2022] is a insurance company and has assets of , capital of $, and net surplus of $.
The president of SECURA Auto Insurance Review [2022] is Dave Gross, the treasurer is , and the secretary is . SECURA Auto Insurance Review [2022] insurance plans include
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SECURA Auto Insurance Review [2022] is located in Neenah, Wisconsin and the phone number for SECURA Auto Insurance Review [2022] claims, customer, service, and additional information is 800-558-3405.
If you already have SECURA Auto Insurance Review [2022] insurance quotes then be sure that you compare your quoted SECURA Auto Insurance Review [2022] insurance plans with insurance quotes from many other top insurance companies so that you can find the very best insurance plan for your needs. Enter your zip code in for free insurance quotes now!
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Captain1
Dealing with Secura was worse than the accident itself.
spen1024
Secura is sold!
Insuranceratessuck
Discouraged claim with threat of incr rate after small claim
rhnea
Good insurance company
heatherb2646
If dealing with Secura on a claim, get advice from an atty
Laura Gedzius
Secura review
ha110ween
Great company with good service
Merc
Very Professional
securewithsecura
Exceptional service. A 12 on a scale of 1 to 10.
Doordrop
Secura Workers Compensation Claim Review