Is Westfield Good for Auto Insurance?
Last Updated on October 14, 2020
Westfield Insurance Company is a property and casualty insurance company available in 21 states, although the company only sells car insurance in 10 of those states. Westfield is best-known for its car insurance and home insurance.
Westfield operates under different names in different states. You might know Westfield as:
- American Select Insurance Company
- Ohio Farmers Insurance Company
- Westfield National Insurance Company
- Old Guard Insurance Company
All of these brands are subsidiaries within the Westfield Insurance Company umbrella. You can buy car insurance, home insurance, and business insurance through Westfield Insurance Company and its affiliated products. You can also access a range of financial services.
Is Westfield a good car insurance company? Is Westfield good for auto insurance? Find out everything you need to know about Westfield today in our review.
Westfield Car Insurance
Westfield’s car insurance works like car insurance from any other company. You can buy liability insurance to meet your minimum state insurance requirements. Or, you can buy comprehensive and collision coverage for added protection.
Westfield also offers a bundling option called Westfield Westpac, where you can combine your car insurance and home insurance into one policy.
Some drivers will use Westfield to meet their minimum legal car insurance requirements. You can buy basic liability insurance from Westfield, which includes bodily injury liability coverage, property damage liability coverage, and any other legally required coverage options for your state.
Other drivers will buy collision or comprehensive coverage with Westfield, which offers additional protection at an added cost. Westfield’s collision coverage covers the cost of repairing your own vehicle after an accident, while comprehensive coverage covers certain non-accident related damages. Generally, it’s a good idea to have collision and comprehensive coverage on newer vehicles, although drivers with older vehicles – or drivers wanting to save money – may drop these coverage options.
Westfield Car Insurance Endorsements: Additional Coverage Options Available
Two of the most common endorsements offered by Westfield include:
Roadside Assistance: Roadside assistance can dispatch help to your location if you’re locked out of your car, run out of gas, or break down on the side of the road. For a few extra dollars per year, you can add roadside assistance to your Westfield insurance policy.
Gap Insurance: Gap insurance covers the “gap” between the value of your vehicle and how much you owe for your vehicle. If you paid $40,000 for your vehicle and owe $40,000 on your loan but your vehicle is only worth $30,000, for example, then gap insurance will pay out the balance of your loan.
Westfield also offers all of the bonus coverage options you would expect from a car insurance company, including uninsured motorist coverage, underinsured motorist coverage, medical payments coverage, and personal injury protection, among other options.
Is Westfield a Good Insurance Company? Westfield J.D. Power Rankings
Westfield is not one of America’s largest insurance companies, which is why it does not appear on J.D. Power’s nationwide car insurance company rankings.
In the 2019 U.S. Auto Insurance Study for the North Central region, Westfield Insurance took home the top prize. J.D. Power chose Westfield as the top insurance company in the region based on claims satisfaction, pricing, customer service, convenience, and other factors.
Westfield Insurance scored the following ratings:
- Overall Satisfaction: 5/5
- Policy Offerings: 4/5
- Price: 4/5
- Billing Process and Policy Information: 3/5
- Interaction: 5/5
- Claims Satisfaction: 5/5
Only three other companies scored a perfect 5/5 for overall satisfaction, including USAA, IN Farm Bureau, and Erie Insurance. Westfield was particularly well-rated for claims satisfaction: along with USAA, it was one of only two companies that scored a perfect 5/5 for how it handled claims.
J.D. Power calculates its rankings by talking to policyholders who have recently made a claim with each insurance company. After talking to thousands of policyholders in the North Central region, J.D. Power ranked Westfield the best insurance company overall.
If you trust J.D. Power’s rankings, then Westfield is one of the best insurance companies in the North Central region of the United States.
Is Westfield a Good Insurance Company? Financial Strength
The financial strength of an insurance company is crucial. An insurance company might have great claims satisfaction ratings – but that doesn’t matter if the insurance company declares bankruptcy and leaves policyholders with unpaid claims.
A.M. Best analyzes the financial strength of insurance companies based on their perceived ability to meet insurance liabilities. Will the insurance company be able to easily pay claims in the future? Or is the insurance company one bad natural disaster away from bankruptcy?
Although an “A” rating sounds pretty good, it’s actually only the fourth-highest rating available from A.M. Best. Other insurance companies have received A+ (Excellent), A+ (Superior), or A++ (Superior) ratings based on their financial strength.
Nevertheless, the “A” rating suggests that Westfield should have no issue covering insurance claims for policyholders in the near future.
Is Westfield a Good Insurance Company? Customer Reviews
J.D. Power is the most-trusted source of customer reviews for insurance companies. J.D. Power collects thousands of reviews from policyholders across the United States.
However, you can also find customer reviews available online on review aggregator websites. Unfortunately, these review aggregator websites tend to have bad ratings for all insurance companies – even good ones. The people who take time to review an insurance company online typically have a bad experience to share – like a recent negative claim.
For that reason, we tend to trust J.D. Power reviews more than customer review aggregator websites. Based on J.D. Power’s survey of policyholders, Westfield has very good customer reviews. Review aggregator websites for Westfield also generally have very positive ratings.
Final Word – Our Westfield Review
Westfield is an insurance company that offers insurance products in 21 states, although Westfield only sells car insurance in 10 of those states. The Ohio-based company was chosen as the top insurance company in the North Central region in the 2019 J.D. Power rankings, indicating that they’re one of the region’s best insurance companies for pricing, claims satisfaction, and customer service, among other metrics. Westfield also has strong ratings for financial stability and other factors.
Based on all of this information, Westfield seems to be a good insurance company. If you live in one of the ten states served by Westfield, then consider requesting a quote today for high-quality car insurance at a reasonable price.
Westfield Center, OH 44251