Western National Car Insurance Review [2020]

Western National car insurance discounts include offers for (1) families, (2) business, and (3) 12-month policies. Western National also doesn't increase rates after accidents.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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 25, 2021

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Company Details
Address: 4700 West 77th Street
City: Edina
State: MN
ZIP Code: 55435-4818
Phone Number: (800) 862-6070
Year Founded: 1969
AM Best Rating: A+ (Superior)
Company Rating 0 (0 reviews)

Here's what you need to know...

  • Western National Insurance offers basic packages along with a wide variety of supplemental options
  • Western National won’t increase your rates based on an accident
  • They offer many common and unique discounts


Western National Insurance Company believes in charging a fair price for personal car insurance rather than playing games with your policy like some other insurance companies do.

Along with offering a “No Surcharge Promise,” Western National offers a variety of car insurance discounts that help save you even more money on your insurance premium.

Understanding and purchasing car insurance can be confusing. Western National Insurance does its best to make sure you understand what you are getting with your policy and that it is the right one for your needs.

To compare car insurance quotes for this company or others, enter your ZIP code in the FREE quote box.

Understanding Car Insurance

There are many aspects to purchasing personal auto insurance. Basic insurance will cost less but you will have reduced coverage and will have to pay more in the case of an accident.

Policies in which you have broader coverage will have a higher premium but you will be responsible for less out-of-pocket expenses if you do get in an accident.

You can also choose different deductible amounts for each policy.

Which one to choose often depends on your personal need. The best way to decide is to speak with a representative from Western National. The agent will ask you specific questions to help narrow down which policy will be the best for you.

If you have sufficient funds to pay for a higher deductible in the case of an accident, you will save more money on your premium. If you do not have the extra funds, you may choose to pay more on the premium and have a lower deductible.

Along with the basic and required coverage such as collision and comprehensive coverage, you can all choose optional coverage such as the following:

  • Full glass coverage
  • Towing
  • Labor
  • Rental reimbursement

You may find that the convenience of these options is worth paying a little bit more for your insurance premiums.

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Saving Money on Your Car Insurance

Western National offers a variety of ways to save money on your car insurance. One that they offer is a No Surcharge Promise.

Unlike other insurance companies that raise your premium if you are in an accident, Western National promises that if you have a traffic violation or an accident, your premium will never increase.

Western National has been offering this promise for the last 50 years.

Many car insurance companies offer discounts to help save you money on your insurance rates. Western National Insurance is no different. It offers a number of discounts that will help decrease your premium if you are eligible for them.

Western National Insurance Discounts

Taking advantage of the discounts offered by Western National will help your insurance policies be more affordable.

Similar to other insurance companies, Western National offers discounts for multi-policy, multi-car, good student, protective devices, defensive driving, and anti-theft. It also offers other more unique discounts.

Most auto policies are based on a term period of six months.

The following discounts are offered by Western National:

  • Annual Auto Discount If you choose to go with a 12-month policy instead, Western National will grant you the Annual Auto Discount, which will save you five percent on your car insurance premium
  • Common Loss Deductible The Common Loss Deductible is for those policyholders who use Western National for multiple personal policies. If you have an incident that involves two or more of your policies, you can choose to pay only one deductible, which would be the highest one, instead of deductibles for all policies involved
  • Corporate Vehicle Discount If you drive a vehicle that is provided by your employer you may be eligible for the Corporate Vehicle Discount. In order to receive this discount, the company vehicle must be insured
  • Family Discount The Family Discount is comparable to the discount for Multi-Cars. This is available even if your family members insure their cars under different Western National policies
  • Age of Systems The Age of Systems discount is actually a discount for your homeowner’s policy, but if you are taking advantage of the multi-policy discount you may as well save even more money with this discount. You are eligible for this if you own a home that is ten years old or newer

Discounts vary according to the state you live in, so check with your Western National agent to determine which discounts you are eligible.

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