EMC Auto Insurance Review

Company Background Information

EMC (Employers Mutual Casualty) Insurance Companies was founded in 1911 and first offered workers compensation insurance. In the 1920s EMC began offering auto insurance and in 1928 it became licensed to sell auto insurance in the states of Kansas, Nebraska, Missouri and Iowa. Homeowners insurance and other insurance products were added to its offerings in 1955, and it acquired Dakota Fire Insurance Company in 1973.

By 1991 the company had over $1 billion in assets and in 2002 in doubled to $2 billion in assets and over 500,000 active policies. EMC has over 2,000 employees and 16 offices throughout the United States. The company is licensed to sell insurance in all 50 states, and the company’s products are sold through agents in 40 states. Most recently the company was rated A+ for its strong financial track record and performance by A.M. Best, and it remains a highly experienced and strong financial performer in the insurance industry. EMC has not been reviewed by J.D. Power for its auto insurance customer satisfaction and claims satisfaction.

Pros of EMC Auto Insurance

• Long established financially stable auto insurance provider
• Several coverage options and discount opportunities

Cons of EMC Auto Insurance

• Limited third party customer service review information
• Quotes must be obtained through agents
• Not primarily an auto insurance company

Discounts

EMC offers several discounts to its customers including the following:

• Defensive driving discount
• Good student discount
• Discount for safety features such as anti-lock brakes
• Passive restraint discount
• Senior operator discount (for taking an accident prevention course)
• Bonus renewal plan discount for staying for three years
• Combination policy discount for adding home and auto insurance
• Multiple car discount
• Accident free discount for avoiding accidents
• EFT discount for setting up electronic payment withdrawal
• And others

The website mentions that discounts vary based on the region.

Types of Insurance Offered

EMC sells the most common types of auto insurance as well as a wide variety of other insurance products in its markets. The auto insurance options include liability, personal injury, medical payments, collision, towing, comprehensive, and uninsured/underinsured motorist coverage.

Extension coverage options include rental vehicle coverage to reimburse the cost of rented vehicles that customers are legally obligated to pay for, transportation expense reimbursement, non-owned trailer coverage, deductible waiver for the “other than collision” deductible in an accident where the vehicle is totaled, and air bag coverage that covers the cost of an accidental air bag deployment.

Website

The company website is very modern and sleek and has a decent amount of information on the company’s various insurance products. Current customers can pay their bill and access their documents online and they can also file a claim through the website. Interested customers can find a local agent as well.

Customer Reviews

Customer reviews of EMC are mixed with some customers mentioning fast responses to claims and there are a few BBB complaints.

Recommendations

EMC is a good option to consider for auto insurance seekers due to the company’s established financial track record and range of discounts. If you are interested in getting auto insurance quotes now, you can get immediate quotes from EMC and several other insurance providers by entering your zip code in the field on this page.

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