Western National Mutual Insurance Company Review (2024)

Western National Mutual Insurance Company actively provides peace of mind through competitive rates, customizable policies, and exceptional customer support across auto, home, life, and health insurance.

UPDATED: Jun 14, 2024Fact Checked

Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

UPDATED: Jun 14, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Jun 14, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Jun 14, 2024Fact Checked
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Western National Mutual Insurance Company

Average Monthly Rate For Good Drivers

$100

A.M. Best Rating:

A (Excellent)

Complaint Level:

Low

Pros

  • Wide range of insurance types, including auto, home, life, and health
  • Competitive rates for various coverage options
  • Customizable policies to suit individual needs
  • Exceptional customer support
  • Efficient and hassle-free claims process

Cons

  • Limited geographical coverage (primarily operates in the Midwest)
  • Not the ideal choice for those seeking international coverage

Western National Mutual Insurance Company, a longstanding pillar in the insurance industry, offers a diverse array of coverage options to meet the diverse needs of individuals and families. Their comprehensive suite includes auto insurance, home insurance, life insurance, and health insurance, with each category tailored to provide essential protection.

With competitive rates, customizable policies, and a commitment to exceptional customer support, Western National stands out as a reliable choice. Their efficient claims process and positive customer reviews further underscore their reputation for reliability.

Whether safeguarding your vehicle, home, health, or planning for the future, Western National proves itself as a trusted partner in the journey of securing peace of mind.

Western National Mutual Insurance Company Insurance Coverage Options

When it comes to safeguarding your future, having the right insurance coverage is paramount. Western National Mutual Insurance Company understands this, and they’ve got you covered with an impressive array of coverage options. Here are the coverage options offered by Western National Mutual Insurance Company:

Auto Insurance

  • Comprehensive coverage
  • Collision coverage
  • Liability coverage
  • Personal injury protection

Home Insurance

  • Dwelling coverage
  • Personal property coverage
  • Liability protection
  • Additional living expenses coverage

Life Insurance

  • Term life insurance
  • Whole life insurance
  • Universal life insurance
  • Annuities

Health Insurance

  • Health maintenance organization (HMO) plans
  • Preferred provider organization (PPO) plans
  • Health savings accounts (HSAs)
  • Medicare supplement plans

These coverage options cater to a wide range of insurance needs, providing comprehensive protection for individuals and families in various situations.

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Western National Mutual Insurance Company Insurance Rates Breakdown

Driver ProfileWestern National Mutual InsuranceNational Average
Clean Record$85$119
1+ Ticket$129$147
1+ Accident$170$173
DUI$241$209
Poor Credit$147$205

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

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Western National Mutual Insurance Company Discounts Available

DiscountsWestern National Mutual Insurance
Anti Theft12%
Good Student17%
Low Mileage15%
Paperless8%
Safe Driver23%
Senior Driver13%

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Saving on insurance without compromising on coverage is a win-win situation, and Western National Mutual Insurance Company understands the value of your hard-earned money. Here are some common types of discounts that insurance companies often provide:

  • Multi-Policy Discount: You may receive a discount for bundling multiple insurance policies with the same company, such as auto and home insurance.
  • Safe Driving Discount: If you have a clean driving record with no accidents or violations, you may qualify for a safe driver discount.
  • Good Student Discount: Full-time students with good grades often qualify for this discount.
  • Anti-Theft Discount: Installing anti-theft devices in your vehicle can lead to a discount on your auto insurance.
  • Home Safety Features Discount: If your home is equipped with safety features like smoke detectors, burglar alarms, or fire extinguishers, you may be eligible for a discount on your home insurance.
  • Paid-in-Full Discount: Some companies offer a discount if you pay your premium in full upfront rather than in installments.
  • Loyalty or Renewal Discount: Staying with the same insurance company for an extended period can sometimes lead to discounts as a reward for customer loyalty.
  • Military or Employee Discounts: Some insurers offer discounts to active or retired military personnel or employees of certain organizations.
  • Good Credit Discount: A good credit history may make you eligible for a discount on your insurance premium.
  • Low Mileage Discount: If you don’t drive your vehicle frequently, you might qualify for a discount.
  • Green or Hybrid Vehicle Discount: Owning an eco-friendly vehicle can result in a discount on your auto insurance.
  • Senior Citizen Discount: Some insurers offer discounts to older drivers, typically starting at age 55 or 65.

The availability and eligibility criteria for these discounts can vary, so it’s essential to contact Western National Mutual Insurance Company directly to inquire about their specific discount offerings and whether you qualify for any of them.

How Western National Mutual Insurance Company Ranks Among Providers

In the world of insurance, choices abound, and knowing your options is essential. Western National Mutual Insurance Company, while a notable player, operates in a landscape brimming with competitors vying for your trust. Here are some potential competitors in different insurance categories:

Auto Insurance

  • State Farm: State Farm is one of the largest auto insurance providers in the United States and operates nationwide.
  • Progressive: Progressive is known for its innovative policies and broad coverage options.

Home Insurance

  • Allstate: Allstate is a major player in the home insurance market, offering a variety of coverage options.
  • Farmers Insurance: Farmers provides home insurance along with other insurance products.

Life Insurance

  • Prudential: Prudential is a well-known life insurance provider with a range of policy options.
  • Northwestern Mutual: Northwestern Mutual offers life insurance and financial planning services.

Health Insurance

  • UnitedHealthcare: UnitedHealthcare is one of the largest health insurance providers in the United States.
  • Anthem: Anthem offers health insurance plans in multiple states.

It’s important to note that the competitive landscape in the insurance industry can change over time, and new competitors can emerge. Additionally, Western National’s unique selling points, customer service, and the specific markets it targets may differentiate it from competitors.

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Western National Mutual Insurance Company Claims Process

Ease of Filing a Claim

Western National Mutual Insurance Company offers multiple convenient methods for policyholders to file claims. You can file a claim online through their website, making it a hassle-free process. Additionally, you have the option to file a claim over the phone, where their customer service representatives can guide you through the process.

They also provide mobile app functionality for claim submissions, allowing you to initiate claims easily from your smartphone.

Average Claim Processing Time:

While the exact claim processing time can vary depending on the nature and complexity of the claim, Western National Mutual Insurance Company is known for its efficient claims processing. On average, policyholders often experience prompt claim resolutions, ensuring they receive the support they need when they need it most.

Customer Feedback on Claim Resolutions and Payouts:

Customer feedback is essential in assessing an insurance company’s performance in handling claims. Western National Mutual Insurance Company has garnered positive reviews for its claim resolutions and payouts.

Customers have reported satisfaction with the fairness and efficiency of the claims settlement process, highlighting the company’s commitment to providing reliable support during challenging times.

Western National Mutual Insurance Company Digital and Technological Features

Mobile App Features and Functionality:

Western National Mutual Insurance Company offers a feature-rich mobile app that allows policyholders to manage their insurance policies conveniently. The app provides access to policy details, allows users to request quotes, pay premiums, and, as mentioned earlier, file claims directly from their mobile devices.

It enhances the overall customer experience by offering on-the-go access to important insurance-related information and services.

Online Account Management Capabilities:

Policyholders can take advantage of Western National Mutual Insurance Company’s robust online account management capabilities. Through their website, customers can log in to their accounts to review policy information, make policy changes, and access important documents.

This online portal simplifies policy management tasks, making it easier for customers to stay informed and in control of their insurance coverage.

Digital Tools and Resources:

In addition to their mobile app and online account management, Western National Mutual Insurance Company provides various digital tools and resources to assist policyholders in making informed decisions. These resources may include insurance calculators, educational materials, and articles to help customers better understand their coverage options and insurance-related topics.

These digital resources contribute to the company’s commitment to customer empowerment and education.

Frequently Asked Questions

What types of insurance does Western National Mutual Insurance Company offer?

Western National offers a wide range of insurance types, including auto, home, life, and health insurance.

Are Western National’s rates competitive compared to other insurance providers?

Western National strives to offer competitive rates, but it’s recommended to get a personalized quote to determine the best pricing for your specific needs.

What sets Western National apart from other insurance companies?

Western National stands out for its diverse coverage options, commitment to customer service, and a reputation for efficient claims processing.

Can I customize my insurance policy with Western National to suit my unique needs?

Yes, Western National provides customizable policies to tailor your coverage according to your specific requirements.

How do I file a claim with Western National if needed?

Western National offers a straightforward claims process, and you can initiate a claim by contacting their claims department or through their website.

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Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Reviews
for Western National Mutual Insurance Company

4.31 (30 reviews)
5
February 25, 2020

robbotis

A+

Great policy and great people. Always friendly and make insurance easy. The Penalty Free Promise is an amazing feature!
5
December 9, 2019

kameolynn

Western National is a Good Company

I have been incredibly happy with Western National Insurance. Our rates are exactly as originally laid out and have not increased drastically over the years. I've had no trouble adding or removing coverage or vehicles at any point. Changes are made quickly and everything is done in a timely manner. My payments are taken out exactly as scheduled every month, and I love the option of automatic withdrawal. My insurance cards show up quickly after a ...
I have been incredibly happy with Western National Insurance. Our rates are exactly as originally laid out and have not increased drastically over the years. I've had no trouble adding or removing coverage or vehicles at any point. Changes are made quickly and everything is done in a timely manner. My payments are taken out exactly as scheduled every month, and I love the option of automatic withdrawal. My insurance cards show up quickly after a vehicle is added as well. They have the best rates of any insurance company I've looked into and I don't see us changing to another company any time in the near future. Very satisfied with their services.
1
February 11, 2019

beethovin1

crappy claims center.

I have a total lost on 12/24/2019. was on my way to see my children in another state. had to rental a car at an outrages price because of the holiday. my car was not paid for until 01/22/2019. I have 3 car rental since. one on the day of the accident. they provided me one until 01/14/2014. I was told to return the rental car because the check was going to arrive that day. they forgot the mail the check. no car, no check. I have to rent ...
I have a total lost on 12/24/2019. was on my way to see my children in another state. had to rental a car at an outrages price because of the holiday. my car was not paid for until 01/22/2019. I have 3 car rental since. one on the day of the accident. they provided me one until 01/14/2014. I was told to return the rental car because the check was going to arrive that day. they forgot the mail the check. no car, no check. I have to rent my own car again. they told me I will be reimbursed. I faxed the information to them, no response. turns out the adjuster went on leave for 2 week. finally got back with me and now don't want to pay me back the total amount I paid for my rental car. they say it too much. they apparently had a contract with Enterprise rental and can get a lower price. they will only pay me their contracted price. which is a bunch of [redacted word]. now, it 02/11/2019 and the problem have not been resolved. I am stressed out and tired of dealing with the insurance company. I am suing them. now they will have to reimburse me with attorneys fee, court fees and pains and suffering. 3 to 4 times as much as just paying me back for the car rentals. if they were working for me, they're fired.
5
November 3, 2018

sw25

Great

My agent has been absolutely amazing working to get me the best deals and keep me informed about how the policy works and the details.
5
September 18, 2018

Smoky

Won't Raise Your Rates If You Have An Accident

I was hit by an inattentive driver & my car was totaled. Western National Mutual Insurance company didn't raise my rates.
3
July 18, 2018

TracyS

Western National

The company is fine. I am able to pay by mail or over the phone. The people I have had contact with have been personable.
4
July 18, 2018

rleer4

Low Cost

I switched to this company because they offer the lowest cost for the same level of coverage as other companies. They offer all the benefits of coverage while staying affordable.
5
April 20, 2018

robbotis

Amazing

Great service and a great product. I'm not sure other carriers can come close to offering the Penalty Free Promise which won't ever require a charge for an accident I have.
5
March 7, 2018

nabthisis

What a deal!

These guys are great. I have complete coverage at a cost so far less than other companies. I almost can't believe it. I have recommended this company to many friends and they have the same experience.
4
February 18, 2018

dreamer333

very helpful team

they have been very good with allowing us to do monthly payments instead of doing 3 month payments, makes it alot easier on us
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