Secura Insurance Review & Ratings (2024)

Secura Insurance is a Midwest-based insurance company that offers a range of insurance products, including auto, home, and business insurance. The company was founded in 1900 and has since grown to become one of the largest mutual insurance companies in the region.

Customers report that Secura Insurance offers competitive pricing, good customer service, and a hassle-free claims process. However, some customers have reported that the company’s discounts are not as generous as those offered by other insurance companies.

Secura Insurance is available in 16 states, including Arizona, Colorado, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, North Dakota, Ohio, Pennsylvania, South Dakota, Tennessee, and Wisconsin. The availability of specific coverage options and discounts may vary by state.

Customers can save money on their premiums by taking advantage of Secura Insurance’s various discounts, such as the multi-policy discount, safe driver discount, and good student discount. However, not all discounts are available in all states or for all types of policies.

What You Should Know About Secura Insurance

Welcome to our comprehensive article on Secura Insurance. In this guide, we will delve into the various aspects of Secura Insurance, covering topics such as coverage options, pricing, customer satisfaction, and more. Whether you’re seeking auto, home, or business insurance, we have you covered.

• Personalized service and attention to customer needs.
• Wide range of coverage options, including liability, collision, and comprehensive.
• Affordable rates and generous discounts for eligible customers.

To make an informed decision and find the best rates from top insurance providers in your area, simply enter your ZIP code and gain access to a range of competitive quotes. Protect your assets with confidence by exploring Secura Insurance today.

Secura Insurance History and Mission

Secura Insurance was founded in 1900 as the Mutual Auto Insurance Company of Wisconsin. The company’s mission at the time was to provide affordable auto insurance coverage to its policyholders in Wisconsin.

Over the years, the company has grown to become one of the leading providers of auto insurance in the Midwest, with a mission to provide affordable and reliable insurance coverage to its customers while maintaining the highest standards of service and integrity.

In 1930, the company changed its name to Security Insurance Company of Hartford, reflecting its growth and expansion beyond Wisconsin. Over the next several decades, the company continued to grow and expand, adding new products and services to its lineup and expanding its coverage area to include more states.

In 2002, the company changed its name again, this time to Secura Insurance. Today, Secura Insurance is a mutual company owned by its policyholders. The company’s mission remains focused on providing its customers with the highest quality insurance products and services while maintaining a strong commitment to its policyholders and the communities it serves.

Secura Insurance Coverage Options

Secura Insurance offers a range of coverage options to its customers, including:

• Liability coverage: Liability coverage protects you if you are found to be at fault for an accident. It covers the cost of damage to other people’s vehicles or property, as well as their medical expenses if they are injured in the accident.
• Collision coverage: Collision coverage pays for damage to your vehicle if you are involved in an accident with another vehicle or object, regardless of who is at fault.
• Comprehensive coverage: Comprehensive coverage pays for damage to your vehicle caused by something other than an accident, such as theft, vandalism, or a natural disaster.
• Personal injury protection (PIP): PIP coverage pays for medical expenses and lost wages if you or your passengers are injured in an accident, regardless of who is at fault.
• Underinsured/Uninsured motorist coverage: This coverage protects you if you are in an accident with a driver who doesn’t have enough insurance coverage to pay for the damages. It also covers you if you are in an accident with a driver who doesn’t have insurance at all.
• Roadside assistance: Secura Insurance offers roadside assistance as an add-on to your policy. This coverage includes services like towing, jump-starts, and lockout assistance.
• Rental car coverage: If your car is in the shop for repairs after an accident, Secura Insurance can provide rental car coverage to help you get around while your car is being fixed.
• Custom parts and equipment coverage: If you have customized your car with aftermarket parts and equipment, Secura Insurance offers coverage to protect those items in the event of a covered loss.

States Where Secura Insurance is Available

Secura Insurance is available in the following states:

• Arizona
• Colorado
• Illinois
• Indiana
• Iowa
• Kansas
• Kentucky
• Michigan
• Minnesota
• Missouri
• North Dakota
• Ohio
• Pennsylvania
• South Dakota
• Tennessee
• Wisconsin

Read more: South Dakota Car Insurance Discounts

Secura Insurance is licensed to sell insurance in these states, but the availability of specific coverage options and discounts may vary by state.

If you’re interested in finding out if Secura Insurance is available in your state, you can follow these five steps:

1. Go to the Secura Insurance website.
2. Click on the “Contact Us” link at the top of the page.
3. On the Contact Us page, scroll down to the “Regional Offices” section.
4. Look for the office that is closest to your state. The office location and phone number will be listed.
5. Call the office and ask if Secura Insurance is available in your state.

Secura Insurance Rates Breakdown

The cost of Secura Insurance policies can vary widely depending on a number of factors, including:

• Your driving record: If you have a history of accidents or traffic violations, you can expect to pay more for your insurance.
• Your age: Younger drivers tend to pay higher premiums than older drivers, as they are considered to be a higher risk.
• Your vehicle: The type of car you drive can also affect your insurance rates. Generally, more expensive or high-performance vehicles will cost more to insure than more affordable, practical vehicles.
• Your location: Where you live can also impact your insurance rates. Drivers in urban areas with higher rates of accidents and thefts may pay more than those in rural areas.
• Your coverage levels: The amount of coverage you choose for each type of coverage will also affect your rates. The more coverage you have, the higher your premiums will be.
• Discounts: Secura Insurance offers a range of discounts to help customers save on their premiums. Some of the discounts available include multi-policy discounts, safe driving discounts, and discounts for being a good student.

Secura Insurance Discounts Available

Secura Insurance offers a range of discounts to help customers save on their premiums. Some of the most common discounts include:

• Multi-policy discount: If you have more than one type of insurance policy with Secura Insurance (such as auto and home), you may be eligible for a discount on both policies.
• Safe driver discount: If you have a good driving record with no accidents or violations, you may qualify for a safe driver discount.
• Good student discount: Students who maintain a high grade point average may be eligible for a discount on their auto insurance premiums.
• Anti-theft device discount: If your vehicle has an anti-theft device installed, you may be eligible for a discount on your insurance premiums.
• Passive restraint discount: If your car has automatic seat belts or airbags, you may qualify for a passive restraint discount.
• Accident-free discount: If you have been with Secura Insurance for a certain number of years without an accident, you may be eligible for an accident-free discount.
• Group discount: If you are a member of a qualifying group or organization, you may be eligible for a group discount on your insurance premiums.

Effortless Claims Handling With Secura Insurance

Ease of Filing a Claim

Secura Insurance provides multiple channels for policyholders to file claims, offering convenience and flexibility. You can initiate the claims process through various methods, including online submissions, phone calls, and their mobile app.

This versatility ensures that customers can choose the most convenient way to report their claims, whether they prefer the ease of digital submission or a more personal approach over the phone.

Average Claim Processing Time

Secura Insurance aims to expedite the claims process to minimize disruptions for their policyholders. While specific processing times may vary depending on the complexity of the claim, the company is committed to efficient handling. They prioritize swift resolutions to help customers get back on their feet quickly after an unexpected event.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is a valuable indicator of an insurance company’s performance in handling claims. Secura Insurance has generally received positive reviews regarding their claim resolutions and payouts. Policyholders appreciate the company’s commitment to fair and timely settlements, which contributes to their overall satisfaction with the claims experience.

However, it’s essential to review individual policy terms and conditions to fully understand the coverage and claims process specific to your policy.

Unveiling Digital and Technological Features of Secura Insurance

Mobile App Features and Functionality

Secura Insurance offers a user-friendly mobile app equipped with a range of features to enhance policy management and accessibility. Policyholders can use the app to view and manage their policies, access important documents, make payments, and even initiate the claims process directly from their smartphones.

The app’s functionality provides a seamless and convenient way to stay connected with your insurance coverage on the go.

Online Account Management Capabilities

For those who prefer online account management, Secura Insurance provides a robust platform accessible through their website. Customers can log in to their accounts to review policy details, make changes, and access essential documents.

The online account management system empowers policyholders to have control over their insurance policies and make updates whenever necessary, simplifying the administrative aspects of insurance.

Digital Tools and Resources

Secura Insurance recognizes the importance of offering digital tools and resources to support their policyholders. These resources may include educational materials, FAQs, and calculators to help customers make informed decisions about their coverage.

By providing these digital tools, Secura Insurance aims to enhance their customers’ understanding of insurance and their specific policies, ultimately contributing to a more confident and satisfied customer base.

How Secura Insurance Ranks Among Providers

Secura Insurance has established itself as a prominent player in the insurance industry, particularly in the Midwest, offering a comprehensive range of coverage options and a commitment to customer satisfaction. However, the insurance market is competitive, with several notable players vying for customers’ attention. Let’s explore some of the main competitors of Secura Insurance.

• State Farm Insurance: State Farm is a giant in the insurance industry and is widely recognized for its extensive network of agents and a broad range of insurance products. With a national presence, State Farm competes with Secura Insurance in providing auto, home, and business insurance. State Farm’s emphasis on personalized service and a vast array of discounts make it a formidable competitor.
• Progressive Insurance: Progressive is known for its innovative approach to insurance, particularly in the auto insurance sector. The company has gained attention with its usage-based insurance programs and competitive pricing. As a direct insurer, Progressive competes with Secura Insurance by offering a range of coverage options and leveraging technology for a streamlined customer experience.
• Allstate Insurance: Allstate is another major player in the insurance market, offering a diverse portfolio of insurance products. With a strong national presence, Allstate competes with Secura Insurance in providing auto, home, and business insurance. Allstate’s focus on customer-centric policies and a robust online platform for policy management positions it as a significant competitor.
• Nationwide Insurance: Nationwide is a well-established insurance company with a broad range of offerings, including auto, home, and business insurance. Its mutual structure and commitment to member satisfaction align with Secura Insurance’s values. Nationwide competes by providing personalized service, various discounts, and a network of agents across the country.
• Farmers Insurance: Farmers Insurance is known for its strong presence in the insurance market, offering a variety of coverage options. As a competitor to Secura Insurance, Farmers emphasizes personalized service through its network of agents and a range of discounts. Farmers’ focus on community involvement and customer education positions it as a contender in the insurance landscape.

While Secura Insurance has its strengths, these competitors bring their unique offerings and market presence. Customers seeking insurance coverage should carefully compare the features, pricing, and customer satisfaction of these competitors to make informed decisions based on their specific needs and preferences.

Customer Reviews of Secura Insurance

Customer reviews of Secura Insurance are generally positive. Here is an overview of what customers are reporting as the company’s strengths and weaknesses:

Strengths:

• Good customer service: Many customers praise the company’s friendly and helpful customer service representatives.
• Competitive pricing: Customers report that Secura Insurance offers competitive rates compared to other insurance providers.
• Easy claims process: Several customers have mentioned that the claims process with Secura Insurance is quick and hassle-free.
• Financial stability: Secura Insurance has a strong financial rating, which gives customers peace of mind knowing that the company is financially stable.

Weaknesses:

• Limited availability: Some customers have reported difficulty finding Secura Insurance in their state or region.
• Limited online account management: While Secura Insurance does offer online account management tools, some customers have reported that the system is somewhat limited in its functionality.
• Average discounts: While Secura Insurance does offer a range of discounts, some customers have reported that the discounts offered are not as generous as those provided by other insurance companies.