Old American County Mutual Insurance Review & Ratings (2024)
Make informed decisions about your insurance coverage. Read this comprehensive review of Old American County Mutual Insurance to find the right insurance policies for your needs. Discover the coverage options, claims process, discounts, and more. Safeguard your future and the ones you care about. Enter your ZIP code now to access the free quote tool and find the perfect insurance solution for you.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
UPDATED: Sep 16, 2024
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 company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies 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 insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Sep 16, 2024
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 company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Are you looking for comprehensive information about Old American County Mutual Insurance? Look no further. In this article, we delve into the key topics surrounding Old American County Mutual Insurance, including coverage options, claims process, and available discounts.
- Life insurance provides a financial cushion for your loved ones
- Old American County Mutual only sells car insurance
- You can shop for life insurance online
Discover the advantages and limitations of their policies and gain insights to make an informed decision. Don’t miss out on finding the best insurance rates for your needs. Enter your ZIP code now and compare rates from the top insurance providers to secure the most suitable coverage for you. Safeguard your future with the right insurance choice.
What is Old American County Mutual?
The Old American Group owns Old American County Mutual, which provides high-risk Texas drivers with car insurance. However, if you live outside Texas and need life insurance coverage as well, you’ll need to shop online as Old American County Mutual only sells car insurance to Texans. The Old American Group also owns Old American Indemnity Company, which focuses on selling car insurance.
The scope of Old American County Mutual and its customer service tools are limited. For example, there is no such thing as Old American life insurance. You can’t access an online portal to pay for your Old American County Mutual insurance policy. The website doesn’t have even have a tool for drivers to request extra copies of insurance cards either.
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What coverages does Old American County Mutual offer?
The Old American insurance company doesn’t offer many explanations in regard to its car insurance coverage, but you typically choose from these coverage types when shopping for car insurance:
| Coverage Considerations | Description |
|---|---|
| Liability | Most states require you set amount of liability coverage which protects other drivers in the case of an accident |
| Comprehensive | This coverage and collision coverage are typically required by your lender or lease holder. If you own your vehicle outright, this is an optional coverage. It will pay for damage from non-accident related events such as hail, vandalism, and theft. |
| Collision | This provides financial protection for your vehicle. It will pay for damages after a crash. |
| Personal Injury Protection (PIP) | This coverage will pay for your own medical costs including lost wages. |
| Medical Payments (MedPay) | Similar to PIP, MedPay covers injury costs but doesn't cover lost wages like PIP does. |
| Uninsured/Underinsured Motorist Protection | Insurance companies are required to offer this coverage to you and it will pay for your own damages beyond what another's liability covers when they're responsible for an accident. |
| Guaranteed Auto Protection (GAP) | You may owe more on your vehicle than it's worth because of how quickly cars depreciate. This coverage will pay the difference between the value and what you owe if your vehicle is totaled. |
| Personal Umbrella Policy (PUP) | This option provides an "umbrella" of coverage over several types of insurance. |
| Rental Reimbursement | If your car is a total loss or needs repair, do you have another vehicle you can drive? If you'll need a rental, you should consider this option. |
| Emergency Roadside Assistance | You can purchase this option from your insurer or a driving club. |
| Pay-As-You-Drive or Usage-Based Insurance | This isn't a good choice for everyone, but if you drive few miles, it might be cheaper for you to purchase this kind of coverage. |
| Non-Owner Car Insurance | This option is for people who do not own a car but borrow one occasionally. |
| Modified Car Insurance Coverage | If you've made modifications to your vehicle, your regular full coverage won't take those changes into consideration when paying for damages. Adding special coverage for those modifications will protect the value of them. |
| Windshield Coverage | Windshield coverage will help you pay for the replacement of your broken glass (check state laws for specifics) |
| Mechanical Breakdown Insurance | This coverage is similar to a manufacturer extended warranty and you should weight the benefits of both a warranty and breakdown insurance to see which is best for you. |
You can get more information about Old American County Mutual insurance policies by calling 866-233-7091. You can also send an email to [email protected] if you would like to request a free quote.
How much does a policy with Old American County Mutual cost?
Although Old American insurance rates aren’t available online, you can still start to adjust your budget for your new car insurance policy. You can find the average rates for car insurance in your home state here:
Car Insurance Monthly Rates by Coverage Level & State
| States | Minimum Coverage | Full Coverage |
|---|---|---|
| Alabama | $39 | $83 |
| Alaska | $47 | $91 |
| Arizona | $50 | $92 |
| Arkansas | $37 | $85 |
| California | $47 | $93 |
| Colorado | $52 | $98 |
| Connecticut | $62 | $106 |
| Delaware | $71 | $110 |
| Florida | $79 | $118 |
| Georgia | $60 | $106 |
| Hawaii | $39 | $76 |
| Idaho | $33 | $65 |
| Illinois | $41 | $80 |
| Indiana | $35 | $69 |
| Iowa | $28 | $65 |
| Kansas | $33 | $78 |
| Kentucky | $48 | $86 |
| Louisiana | $77 | $135 |
| Maine | $31 | $63 |
| Maryland | $58 | $104 |
| Massachusetts | $53 | $100 |
| Michigan | $74 | $126 |
| Minnesota | $40 | $78 |
| Mississippi | $42 | $91 |
| Missouri | $40 | $82 |
| Montana | $35 | $80 |
| Nebraska | $34 | $76 |
| Nevada | $68 | $106 |
| New Hampshire | $35 | $72 |
| New Jersey | $77 | $121 |
| New Mexico | $46 | $87 |
| New York | $73 | $124 |
| North Carolina | $31 | $69 |
| North Dakota | $25 | $68 |
| Ohio | $36 | $71 |
| Oklahoma | $41 | $90 |
| Oregon | $55 | $85 |
| Pennsylvania | $44 | $88 |
| Rhode Island | $71 | $121 |
| South Carolina | $53 | $94 |
| South Dakota | $27 | $72 |
| Tennessee | $38 | $79 |
| Texas | $51 | $106 |
| Utah | $47 | $81 |
| Vermont | $31 | $69 |
| Virginia | $39 | $76 |
| Washington D. C. | $55 | $89 |
| West Virginia | $43 | $89 |
| Wisconsin | $34 | $67 |
| Wyoming | $29 | $78 |
| U.S. Average | $50 | $94 |
As illustrated by the data table above, Arizona car insurance rates and Florida rates are very different, but where you call home isn’t the only factor that can influence your rates. Your car type, age, and driving history can affect your total rate.
Which insurance companies sell car and life insurance policies?
Many consumers like having their insurance products all in one place. Unfortunately, since Old American County Mutual only sells car insurance, you’ll have to look elsewhere if you need coverage for other aspects of your life. You can purchase life insurance and car insurance coverage from major insurance companies, some of which include:
- Farmers
- State Farm
- AAA
- Erie
- Nationwide
Read more: Erie Car Insurance Discounts
Bringing your life and auto policies together is a great way to save money, as most insurance companies offer a discount for insurance bundles. When shopping for insurance online, review your quotes carefully to ensure you aren’t missing any other discounts that could lower your rates.
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Old American County Mutual Insurance Claims Excellence
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
Filing a claim with Old American County Mutual Insurance is a straightforward process designed to minimize the hassle for policyholders. You can initiate a claim online through their user-friendly website, ensuring convenience and efficiency. If you prefer a more personal touch, filing over the phone is also an option.
Moreover, Old American provides a mobile app that streamlines the claims process, allowing you to submit and track your claim right from your smartphone.
Average Claim Processing Time
Old American County Mutual Insurance is committed to swift claim processing. While specific processing times may vary depending on the nature and complexity of the claim, policyholders generally experience prompt resolutions. This efficiency is reassuring for those in need of timely support during stressful situations.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback is a valuable indicator of an insurance company’s performance. Old American County Mutual Insurance consistently receives positive feedback for its claim resolutions and payouts. Policyholders appreciate the company’s commitment to fairness and responsiveness, which contributes to peace of mind during challenging times.
Old American County Mutual Insurance Embraces Digital Transformation
Mobile App Features and Functionality
Old American County Mutual Insurance offers a feature-rich mobile app, providing policyholders with convenient access to their insurance information. With the app, you can view policy details, make payments, and, as mentioned earlier, initiate and track claims. The app’s user-friendly interface enhances the overall customer experience.
Online Account Management Capabilities
Managing your insurance policies has never been easier, thanks to Old American County Mutual Insurance’s online account management capabilities. You can log in to your account on their website to review policy documents, update personal information, and make payments securely. This digital convenience empowers policyholders to have greater control over their insurance affairs.
Digital Tools and Resources
To assist policyholders in making informed decisions, Old American County Mutual Insurance provides a range of digital tools and resources. These include informative articles, insurance calculators, and educational materials to help you understand your coverage options better. This commitment to transparency and education sets Old American apart as an insurance provider dedicated to customer empowerment.
What You Need to Know About Old American County Mutual
Old American County Mutual only sells car insurance to high-risk drivers who live in Texas. However, if you need coverage for your car and life insurance coverage, try shopping online for more robust insurance companies. Most major insurance companies like Nationwide or AAA can help you find coverage for nearly all your insurance needs.
When shopping online for insurance, request quotes from at least three companies so you can compare quotes and be sure that you’re not missing any money-saving opportunities.
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Frequently Asked Questions
What is Old American County Mutual Insurance and what does it offer?
Old American County Mutual Insurance is an insurance company that offers a range of insurance products to its customers. The company was founded in 1946 and has been providing insurance services for over 75 years. Old American County Mutual Insurance has a variety of insurance policies, here are the eight key policies they offer:
- auto insurance
- home insurance
- renters insurance
- liability insurance
- motorcycle insurance
- boat insurance
- recreational vehicle insurance
- roadside assistance, which is available 24/7 to customers who need help with their vehicles.
Old American County Mutual Insurance prides itself on its commitment to providing its customers with personalized service and quality coverage at affordable rates. The company’s website allows customers to:
- get quotes
- purchase policies
- manage their accounts online
Overall, Old American County Mutual Insurance is a reputable insurance provider that offers a range of insurance options to meet the needs of its customers.
What is the claims process like for Old American County Mutual Insurance customers?
The claims process for Old American County Mutual Insurance customers is designed to be as simple and efficient as possible. Here is the four general overview of how the claims process works:
- Report the claim: The first step in the claims process is to report the claim to the company. This can typically be done online or by phone, and you’ll need to provide some basic information about the incident, such as the date, time, and location of the accident or incident.
- Get an estimate: Once the claim has been reported, an adjuster from the company will typically contact you to schedule an inspection of the damage. The adjuster will assess the damage and provide an estimate for the cost of repairs or replacement.
- Approval and payment: If the claim is approved, the company will issue a payment to cover the cost of repairs or replacement, minus any deductible or other applicable fees. The payment may be sent directly to the repair shop or to the policyholder, depending on the circumstances.
- Resolution: Once the repairs have been completed, the policyholder will typically need to sign off on the work before the claim can be fully resolved.
Overall, the claims process for Old American County Mutual Insurance customers is designed to be straightforward and hassle-free. The company aims to provide prompt and fair settlements to policyholders who have experienced a covered loss or damage. If you have any questions about the claims process or need assistance with a claim, you can contact the company’s customer service team for support.
How does Old American County Mutual Insurance handle customer complaints or disputes?
Old American County Mutual Insurance strives to provide excellent customer service and aims to resolve any customer complaints or disputes quickly and efficiently. Here are the four general steps that the company may take to handle customer complaints or disputes:
- Acknowledge the complaint: When a customer raises a complaint or dispute, the company will acknowledge the issue and take steps to investigate the matter.
- Investigate the issue: The company will review the facts of the situation and gather any necessary information or documentation to fully understand the customer’s concerns.
- Communicate with the customer: The company will keep the customer informed throughout the process and provide regular updates on the status of the investigation.
- Provide a resolution: Once the investigation is complete, the company will work to provide a fair and satisfactory resolution to the customer’s complaint or dispute.
If the company is unable to resolve the complaint or dispute to the customer’s satisfaction, the customer may have the option to escalate the issue to a higher authority, such as a manager or the company’s dispute resolution department.
Are there any discounts or special offers available for Old American County Mutual Insurance policies in 2023?
Here are the top five types of discounts and special offers that Old American County Mutual Insurance may offer:
- Multi-policy discount: If you have more than one insurance policy with Old American County Mutual Insurance, such as both auto and home insurance, you may be eligible for a multi-policy discount.
- Safe driver discount: If you have a good driving record with no accidents or violations, you may be eligible for a safe driver discount.
- Good student discount: If you’re a student who maintains good grades, you may be eligible for a good student discount.
- Senior discount: If you’re over a certain age, you may be eligible for a senior discount on your insurance premiums.
- Loyalty discount: If you’ve been a customer of Old American County Mutual Insurance for a certain number of years, you may be eligible for a loyalty discount.
These are just a few examples of the types of discounts and special offers that Old American County Mutual Insurance may offer. If you’re interested in purchasing a policy from the company, you can contact their customer service team or visit their website to learn more about available discounts and offers.
What is the financial strength and stability of Old American County Mutual Insurance?
Here’s the five point summary of the financial strength and stability of Old American County Mutual Insurance:
- Old American County Mutual Insurance is a member of the Old American Insurance Company group, which has been in operation since 1922.
- The company has received an A (Excellent) rating from A.M. Best, which indicates a strong financial position and the ability to meet financial obligations to policyholders.
- Old American County Mutual Insurance has also received a Financial Stability Rating® (FSR) of A, Exceptional, from Demotech, Inc.
- These ratings from A.M. Best and Demotech indicate that Old American County Mutual Insurance is a financially stable and reliable insurance provider.
- The company has a strong track record of providing quality insurance products and services to its policyholders, and has the financial strength to meet its obligations in the event of a covered loss or claim.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.