Stillwater Insurance Review & Ratings (2024)

Overall, Stillwater Insurance is a reputable car insurance provider that offers a range of coverage options and discounts to help customers find affordable and effective insurance coverage.

The company has been in business for over a decade and has a strong reputation for quality customer service, efficient claims processing, and competitive rates.

While Stillwater Insurance has generally positive customer reviews, it’s worth noting that some customers have had negative experiences as well. As with any insurance company, it’s important to do your research and carefully consider your options before selecting a provider.

What You Should Know About Stillwater Insurance Group

Stillwater Insurance Group Insurance Coverage Options

Stillwater Insurance offers a range of car insurance products and services designed to meet the needs of drivers in different states and situations. Here is an overview of some of the main products and services that the company offers:

• Liability coverage: This is the most basic type of car insurance and covers the cost of damages you cause to another person’s vehicle or property in an accident.
• Collision coverage: This type of coverage pays for the cost of repairing or replacing your vehicle if you are involved in an accident.
• Comprehensive coverage: This type of coverage pays for damage to your vehicle caused by events other than a collision, such as theft, vandalism, or weather-related incidents.
• Personal injury protection (PIP): PIP coverage is required in some states and covers the cost of medical expenses, lost wages, and other related costs if you or your passengers are injured in an accident.
• Uninsured/Underinsured motorist coverage: This coverage protects you if you are involved in an accident with a driver who doesn’t have enough insurance to cover the damages they caused.
• Additional coverage options: Stillwater Insurance also offers a variety of additional coverage options, including roadside assistance, rental car coverage, and gap insurance.

Overall, Stillwater Insurance’s range of coverage options and flexibility make it an excellent choice for drivers looking for comprehensive and affordable car insurance.

States Offering Stillwater Insurance

Stillwater Insurance currently offers car insurance coverage in 47 states across the United States. It’s worth noting that while Stillwater Insurance offers coverage in a majority of states, the specific coverage options and discounts available may vary depending on the state where you live.

It’s best to contact Stillwater Insurance directly or visit their website for more information on the coverage options and discounts available in your state.

Stillwater Insurance Group Insurance Rates Breakdown

The cost of car insurance with Stillwater Insurance will vary depending on a variety of factors, including your age, driving record, the type of vehicle you drive, and the level of coverage you select.

However, Stillwater Insurance is known for offering competitive rates and discounts that can help lower the cost of your insurance premiums.

To give you a better idea of what you might pay for car insurance with Stillwater Insurance, here are some average annual premiums for a single driver with a clean driving record in a mid-sized city:

• Liability coverage: $525 to $750
• Liability + collision coverage: $875 to $1,125
• Liability + comprehensive coverage: $900 to $1,200
• Full coverage (liability + collision + comprehensive): $1,350 to $1,750

It’s important to note that these are just rough estimates and that your actual premium may be higher or lower depending on your circumstances. Additionally, discounts are available that can help lower your premium even further.

To get a personalized quote from Stillwater Insurance, you can visit their website or call their customer service team. They’ll be able to provide you with a more accurate estimate based on your specific situation and coverage needs.

Stillwater Insurance Group Discounts Available

Stillwater Insurance offers several discounts to help customers save money on their car insurance premiums. Here are some of the most common discounts that are available:

• Safe driver discount: If you have a clean driving record with no accidents or traffic violations, you may be eligible for a safe driver discount.
• Multi-car discount: If you insure multiple vehicles with Stillwater Insurance, you may be eligible for a multi-car discount.
• Good student discount: If you are a full-time student with a GPA of 3.0 or higher, you may be eligible for a good student discount.
• Anti-theft device discount: If your vehicle is equipped with an anti-theft device, such as an alarm system or tracking device, you may be eligible for a discount.
• Bundling discount: If you bundle your car insurance with another type of insurance, such as homeowners insurance, you may be eligible for a bundling discount.
• Defensive driving course discount: If you have completed a state-approved defensive driving course, you may be eligible for a discount on your car insurance premiums.

It’s important to note that the availability and amount of discounts may vary depending on the state where you live and the coverage options you select. To learn more about the discounts that are available to you, it’s best to contact Stillwater Insurance directly or visit their website for more information.

By taking advantage of these discounts, you can save money on your car insurance premiums and get the coverage you need at a price you can afford.

Seamless Claims Process With Stillwater Insurance

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Stillwater Insurance provides a seamless experience for filing claims. Customers can file claims conveniently through their user-friendly online portal, over the phone with dedicated customer service representatives, or via their mobile app. The intuitive interfaces of their digital platforms simplify the process, ensuring policyholders can report incidents with ease and efficiency.

Average Claim Processing Time

One of Stillwater Insurance’s standout features is its swift claim processing. On average, the company processes claims in a timely manner, allowing customers to receive necessary assistance and settlements promptly. This efficiency reflects Stillwater’s commitment to providing timely support to their policyholders during stressful situations.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback on claim resolutions and payouts with Stillwater Insurance has been overwhelmingly positive. Policyholders have praised the company’s fair and transparent claim resolutions, highlighting their professionalism and dedication to resolving claims satisfactorily.

The promptness of payouts has also been a significant point of satisfaction for customers, showcasing Stillwater’s commitment to delivering on their promises.

Unleashing Innovation With Stillwater Insurance Digital and Technological Features

Mobile App Features and Functionality

Stillwater Insurance offers a feature-rich mobile app designed to enhance customer experience. The app provides policyholders with easy access to their insurance information, allowing them to view policy details, track claims, and even make payments directly from their smartphones. Its intuitive interface ensures a seamless user experience, making it convenient for customers to manage their policies on the go.

Online Account Management Capabilities

The online account management system offered by Stillwater Insurance empowers policyholders with comprehensive control over their insurance accounts. Customers can log in securely to access and update their policy information, review coverage details, and track claims.

This self-service portal simplifies the process of managing policies, providing a convenient platform for policyholders to handle various aspects of their insurance needs.

Digital Tools and Resources

In addition to their mobile app and online account management system, Stillwater Insurance provides a range of digital tools and resources to educate and assist customers. These resources include informative articles, FAQs, and interactive tools that help customers make informed decisions about their insurance coverage.

By leveraging technology, Stillwater Insurance ensures that their policyholders have access to valuable information and support whenever they need it.

How Stillwater Insurance Group Ranks Among Providers

In the fiercely competitive landscape of the insurance industry, Stillwater Insurance contends with several formidable rivals. These companies, each with its unique strengths and offerings, contribute to the dynamic nature of the market. Here is a brief exploration of Stillwater’s main competitors and the reasons that make them noteworthy adversaries:

• Geico: Geico, renowned for its wide-reaching advertising campaigns and competitive pricing, poses a significant challenge to Stillwater. Both companies target similar demographics, emphasizing affordability and a diverse range of coverage options.
• State Farm: State Farm, a giant in the insurance industry, competes with Stillwater by virtue of its extensive network of agents and a comprehensive suite of insurance products. The brand’s emphasis on personalized service and community involvement adds to its competitive edge.
• Allstate: Allstate’s strong market presence and a variety of insurance products, including auto, home, and life insurance, make it a direct competitor to Stillwater. The company’s commitment to innovation and customer-centric solutions amplifies the competition.
• Progressive: Progressive’s aggressive marketing strategies and focus on technology-driven solutions position it as a significant rival to Stillwater. Both companies vie for tech-savvy customers, offering online tools and a seamless digital experience.

In the dynamic world of insurance, competition is a driving force that fuels innovation and customer-centric approaches. Stillwater Insurance faces robust competition from industry giants like Geico, State Farm, Allstate, and Progressive.

As consumers navigate the diverse landscape of insurance providers, each company strives to distinguish itself through unique offerings and a commitment to meeting the evolving needs of policyholders.

Customer Feedback for Stillwater Insurance

Customer reviews can be a helpful way to get an idea of what it’s like to work with Stillwater Insurance. Here’s a summary of some of the reviews that customers have left online:

• Positive Reviews: Many customers praise Stillwater Insurance for their competitive rates, helpful customer service, and easy-to-use online platform. Customers have also mentioned that claims are processed quickly and efficiently.
• Negative Reviews: Some customers have had negative experiences with Stillwater Insurance, particularly about communication issues and delays in processing claims. Additionally, some customers have reported that premiums can increase unexpectedly over time.

Overall, Stillwater Insurance has generally positive reviews from customers, with many people praising the company for their competitive rates and helpful customer service.

However, as with any insurance company, there are some negative reviews as well. It’s important to do your research and carefully consider your options before selecting a car insurance provider.

If you have any questions or concerns, it’s best to contact Stillwater Insurance directly to get more information.