Hastings Mutual Car Insurance Review [2020]

Hastings Mutual car insurance is only available to six states in the Midwest. Hastings Mutual currently has an A rating for financial stability from AM Best.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 2, 2022

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Company Details
Address: 404 E Woodlawn Ave
City: Hastings
State: MI
ZIP Code: 49058
Phone Number: 800-442-8277
Year Founded: 1885
AM Best Rating: A (Excellent)
Company Rating 0 (0 reviews)

Here's what you need to know...

  • Hastings Mutual Insurance offers policies to six Midwestern states
  • They offer many lines of insurance including personal auto
  • Their car insurance choices include all the standard options as well as pet protection, GPS protection, and travel interruption protection

The Hastings Mutual Insurance company is not widely available in the United States.

But if you happen to live in one of these Midwestern states: Iowa, Michigan, Illinois, Indiana, Wisconsin, and Ohio, you and your family can take advantage of the wide variety of products offered by this Michigan-based insurance provider.

Just like many other insurance providers in the country, Hastings Mutual had humble beginnings. From just 160 policies to cover windstorms, they grew into a full-fledged insurance company in 1908 and expanded their operation to provide services to neighboring states.

In fact, this insurance provider, which used to be known as Windstorm Company, is now considered as one of the biggest and most popular insurance providers in the Midwestern United States.

Be sure to check out our FREE comparison tool at the top of this page. Simply enter your ZIP code and get started today! With the costs of insurance premiums being different among insurance carriers, being able to compare them can end up finding you excellent service as well as affordable prices.

Hastings Mutual Car Insurance Products

The products that are being offered by this insurance provider to residents of the Midwestern states are not really much different from those that are offered by other auto insurance companies in the country. The type of insurance coverage you’ll need may be different from other customers, so it’s usually a good idea to figure out what you need first and what you want your average cost to be. This is another reason why insurance quotes can be so helpful. You can build a profile of what you want from a company and then compare prices.

The basic products that Hastings insurance offer include:

The company also offers special products such as C.A.R.S. (Corporate Auto Insurance) and GAP coverage, which provides protection against the depreciation of insured vehicles.

Another popular product that Hastings Mutual offers is known as the MPG (Multi-Protection Guard) Coverage Program.

This covers auto lease or loans, travel interruption, new car replacement programs, GPS theft, pet death and injuries, and other incidentals that are not protected under standard policies. Because the insurance industry is so inclusive, it can seem a little overwhelming to have so many options. However, it should be the goal of a company to provide customer satisfaction, and doing so means being able to insure any facet of life that a person may want to protect.

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Strengths of Hastings Mutual Car Insurance

Customer service is one of the best assets of Hastings Mutual. Since the company is just servicing a limited area in the United States, it can concentrate its efforts on promoting excellent relationships with clients in the Midwest.

Another aspect that sets this company apart is its innovative products. Only a few car insurance providers offer coverage for pets and new gadgets installed in a vehicle, such as GPS systems.

Hastings Mutual also offers huge discounts to individuals who get other insurance products from the company.

Aside from personal auto insurance, the company also provides coverage for:

Weaknesses of Hastings Mutual Car Insurance

Although Hastings Mutual is innovative when it comes to its products, it has failed to take full advantage of the Internet.

It is impossible, at the moment, to get a new car insurance policy from the Hastings Mutual website. If you want a new policy, you need to call an agent.

If there is no agent available in your area, you will be redirected to agents servicing locations nearest you or, worse, to the Michigan head office.

Even if you live in the Midwest, it does not mean that you should get Hastings Mutual auto coverage. You need to first compare the products, services, and rates offered by the company with those from other insurance providers that service your area.

If you want to avail yourself of the best car insurance in the market, you need to exert effort in comparing and reviewing many different companies and quotes.

To compare top car insurance companies simply enter your ZIP code into the box at the bottom of this page!

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