Is Secura Good for Auto Insurance?
Last Updated on February 1, 2021
Secura is an insurance company headquartered in Neenah, Wisconsin.
Founded in 1900, Secura has 120+ years of experience insuring homes, cars, businesses, and other property across Wisconsin and 11 other states.
Is Secura a good auto insurance company? Should you buy auto insurance through Secura? Find out everything you need to know about this Midwestern auto insurance company today in our review.
Secura Insurance Companies is a property and casualty insurance company found online at Secura.net.
The company offers home and auto insurance, business insurance, farm insurance, and other specialty insurance products.
Secura’s goal is to provide flexible, customized insurance options for homeowners, business owners, farm owners, agricultural business owners, and non-profit organizations across its coverage area.
Secura was founded in 1900 in Appleton, Wisconsin. Today, the company is based in Neenah, Wisconsin.
According to Secura’s official website, the company wants to make insurance genuine, offering quality coverage and unmatched service through a network of independent insurance agents.
Of course, all car insurance companies claim to protect you while charging fair rates. Let’s take a closer look at the insurance products and services offered by Secura in its 12 target states.
|Secura Insurance Contact Info|
|Address||1500 Mutual Way
Neenah, WI 54956
|Hours of Operation||Monday - Friday
8 a.m. - 4:30 p.m.
Secura Insurance Products & Services
Secura offers a full suite of insurance products and services, including home insurance, auto insurance, business insurance, and more.
Home & Auto: Secura provides car insurance and home insurance throughout its 12 target states. The company also sells renters insurance, umbrella insurance, roadside assistance, identity theft protection, and other insurance services to home and auto insurance policyholders.
Business & Non-Profit: Secura insures for-profit and non-profit businesses across 12 states. The company offers property and liability insurance, workers’ compensation coverage, risk management, cyber protection, EPLI, and other insurance products and services. Secura also offers specialty insurance for beverage manufacturing companies.
Farm and Agri-Business: Secura covers farms and agricultural businesses, providing a full range of property and liability insurance products, workers’ compensation, risk management services, and even specialty hemp insurance coverage, among other unique insurance products and services.
Specialty Coverage: Secura offers several types of specialty coverage, including special events insurance, health club insurance, ‘agritainment’ coverage, and risk management.
How Does Secura Auto Insurance Work?
You can buy car insurance that matches your state’s minimum requirements. Or, you can add premium coverage to your policy for accident forgiveness, identity theft protection, roadside assistance, and more.
Car insurance products and services available through Secura include:
Liability Coverage: Most states require drivers to have liability coverage, including property damage liability coverage (for damage to other vehicles and property) and bodily injury liability coverage (for medical bills and related expenses). Secura offers liability coverage that meets or exceeds minimum insurance requirements.
Collision Coverage: Secura offers collision coverage, which covers the cost of repairing your own vehicle after an at-fault accident.
Comprehensive Coverage: Comprehensive coverage covers all non-accident-related damage to your vehicle, including collisions with animals, hail damage, vandalism, theft, and other incidents.
Roadside Assistance: Secura, like most insurers, offers roadside assistance. For a few extra dollars per month, you can add roadside assistance to your policy.
Accident Forgiveness: Secura also offers accident forgiveness to qualifying drivers. If you don’t want a single at-fault accident to increase premiums, then consider paying to add accident forgiveness to your policy.
Umbrella Coverage: If you have assets worth protecting, then you may want umbrella coverage. Umbrella coverage extends liability protection above and beyond minimum insurance requirements. Many drivers buy $1 to $4 million of umbrella coverage for maximum protection against lawsuits, for example.
What Makes Secura Auto Insurance Unique?
Drivers have plenty of options for car insurance. Why pick Secura? What makes Secura different from competing providers? Secura emphasizes several unique benefits, including:
Travel Rescuer: Did your car break down while driving over 100 miles from your home? Secura’s Travel Rescuer coverage lets you claim certain expenses for accommodations, meals, and more. It’s like a type of travel insurance, and you can add it to your Secura policy for a few extra dollars per month.
Roadside Rescuer: Roadside Rescuer is Secura’s name for its roadside assistance plan. Roadside Rescuer covers fuel deliveries, flat tire changes, certain towing expenses, and other costs if your vehicle breaks down.
Pet Protector: Certain Secura policies come with Pet Protector coverage. If your dog or cat is injured or killed in an auto, home, or watercraft accident, then Secura reimburses you for expenses to treat or replace your pet.
Mile-Stone Home & Auto: Secura lets policyholders bundle multiple policies together through Mile-Stone Home & Auto. If you need home insurance and auto insurance, then you can buy an all-in-one personal insurance policy called Secura Mile-Stone. You pay only one deductible if your house, condo, apartment, or car are damaged in the same incident. You also only have one policy and one premium payment.
Mile-Stone Gold: Secura adds several premium features under its Mile-Stone Gold program. Like Mile-Stone, Mile-Stone Gold is an all-in-one personal protection policy for your home and vehicle. However, Mile-Stone Gold adds premium features like Travel Rescuer, Roadside Rescuer, identity theft protection, Pet Protector, accident forgiveness, and glass coverage.
Local Service and Agents: Secura sells insurance through a network of independent agents in its 12 covered states. You’re not dealing with a faceless nationwide firm; instead, you’re interacting with a local insurance agent who understands your unique needs. Some drivers like this personal approach to insurance.
Secura Auto Insurance Discounts
Secura offers similar auto insurance discounts to competing providers. However, the company also offers several unique discounts. Here are some of the discounts available with Secura:
Valued Policyholder Discount: The longer you stay with Secura, the more you save.
Financial Stability Discount: If you have a good credit score, then Secura charges lower rates for insurance.
Early Quoting Discount: If you get a quote on your insurance policy before the effective date, then you receive a small discount.
Select Pay Discount: Get a discount on Secura insurance when you pay using SurePay EFT (the company’s electronic funds transfer option).
Paid in Full Discount: Secura gives you a discount if you pay your car insurance policy in full upfront via the Full-Pay Plan program.
Claim Free / Violation Free Discount: If you have been accident-free for the past three years and have no moving violations, then you qualify for Secura’s claim free / violation free discount.
Good Student Discount: Secura offers good student discounts to full-time students ages 16 to 24 with a grade point average of 3.0 or better.
Graduate Discount: If you are ages 16 to 24 and graduated with a 3.0 GPA or better, then you still qualify for Secura’s good student discount as a graduate.
Hybrid Car Discount: Secura is one of several insurance companies offering specific discounts to drivers of hybrid vehicles.
Secura Reviews & Ratings: What Do Customers Have to Say?
Secura is not large enough to be rated by J.D. Power, which ranks insurance companies based on claims satisfaction. However, the company has plenty of reviews online from the Better Business Bureau, A.M. Best, and policyholders in 12 states.
Secura has an A+ rating with the Better Business Bureau (BBB). The company has just 4 total complaints in the last 3 years.
A.M. Best assesses the financial strength of insurance companies across the country. A.M. Best analyzes each insurance company based on its assets and liabilities. In March 2019, A.M. Best affirmed an A (Excellent) financial strength rating for Secura. This is considered a strong rating, and it suggests Secura will not have issues covering customer policies in the near future. Although some companies have an A+ rating or better, an A rating is considered good for a smaller, regional insurance company.
A.M. Best also awarded Secura a long-term issuer credit rating of A+, indicating the company has a strong ability to repay its debt in the near future.
Customers are generally happy with their Secura insurance policies. The company has average to strong reviews on most review websites. On Clearsurance, for example, customers have awarded Secura an average rating of 4.13 stars out of 5. Most people don’t review their insurance company until they’re unsatisfied with a claim, so a 4.13-star rating is better than average.
Overall, Secura is well-rated by policyholders, and the company has a strong financial position that makes it well prepared to handle future adversity.
Final Word on Secura
Secura is a Wisconsin-based insurance company serving policyholders in 12 states. The company is well-rated for its auto insurance products and services, with most customers satisfied with the premiums they pay and the claims process.
To learn more about Secura or to request a quote today, visit the insurance company online at Secura.net.