Is Western National Good for Auto Insurance?
Last Updated on January 19, 2021
Western National Insurance offers a range of insurance products to customers across the Midwestern United States, including auto, home, umbrella, and business insurance.
The Minneapolis-area company has provided insurance to customers across the Midwest and the rest of the country for 115+ years.
Is Western National good for auto insurance? Should you buy car insurance through Western National Insurance? Find out everything you need to know about Western National’s car insurance today in our review.
About Western National Insurance
Western National Insurance Group is a private mutual insurance company founded in St. Paul.
The company originally started as a fire insurance company serving creameries and cheese factories in Minnesota.
Over time, Western National grew to cover families, individuals, and businesses across the Midwest. Today, the company continues to primarily serve the Midwestern United States, although the company now offers some insurance products in other parts of the country.
Western National car insurance is available to customers in Minnesota, Wisconsin, Iowa, and South Dakota. The company also provides car insurance to drivers in Alaska through a subsidiary named Umialik Insurance Company.
You can buy Western National business insurance coverage in Minnesota, Wisconsin, Iowa, North Dakota, South Dakota, Illinois, Montana, Idaho, Nevada, Utah, Washington, and Oregon.
With 115+ years of experience serving policyholders across the United States, Western National aims to continue impressing clients across its coverage area.
|Western National Company Information|
|Address||4700 W 77th St
Edina, MN 55435
|Phone Number||(800) 862-6070|
|Hours||Hours: Monday - Friday
8:00 a.m. - 4:30 p.m. CST
Western National Insurance Products
Western National offers a range of property and casualty insurance products for individuals, families, and homeowners. The company offers all of the following insurance products:
Auto Insurance: Western National sells car insurance to individuals, families, and businesses.
Boat & Motor Insurance: You can buy coverage for powerboats, sailboats, outboard motors, and similar property through Western National.
Motorcycle and ATV Insurance: Western National sells motorcycle and ATV insurance – although it’s only available to policyholders in Minnesota. Policyholders may qualify for a multi-bike discount if insuring multiple alternative vehicles with Western National.
Snowmobile Insurance: Western National sells liability and physical damage coverage for snowmobiles. You can buy this coverage as an add-on to your homeowner or renter insurance policy.
Personal Umbrella Insurance: Expand your liability coverage with Western National’s personal umbrella insurance. Western National provides worldwide liability coverage, legal defense, and other coverages through its personal umbrella insurance.
Business Insurance: Western National sells business insurance through its Businessowners Policy (BOP) program. The program is marketed to small businesses who want to combine their property and liability insurance needs into a convenient package. You can buy commercial automobile coverage, cyber liability coverage, employer’s practices liability coverage, and other coverages through Western National’s business insurance.
How Western National Car Insurance Works
Western National offers personal auto insurance to drivers in several Midwestern states. Western National’s car insurance works similar to the car insurance provided by other providers in the region. Drivers can choose basic liability coverage, full coverage, roadside assistance, and more.
Here are the core car insurance products available through Western National in Minnesota, Iowa, Wisconsin, South Dakota, and Alaska:
Bodily Injury Liability Coverage: Required in most states, bodily injury liability coverage covers medical expenses, lost wages, and other costs other people pay as a result of your actions while driving.
Property Damage Liability Coverage: Also required in most states, property damage liability coverage covers the cost of repairing vehicles and other property damaged as a result of your actions.
Personal Injury Protection: Required in some states, personal injury protection covers certain medical bills for you, your passengers, and others after an accident.
Medical Payments Coverage: Optional in all states, medical payments coverage functions similar to health insurance, covering your medical bills after an accident regardless of fault.
Collision Coverage: Collision coverage covers the cost of repairing your own vehicle after an at-fault accident. It’s part of any full coverage car insurance policy.
Comprehensive Coverage: Comprehensive coverage covers vandalism, theft, environmental damage, and other damage that occurs to your vehicle outside of an accident. It’s part of any full coverage car insurance policy.
Western National also offers other car insurance products and services that may or may not be required in your state, including uninsured and underinsured motorist coverage and other coverages.
What Makes Western National Auto Insurance Unique?
Drivers have plenty of options for car insurance. Why choose Western National? What makes the company unique? Here are some of the things that differentiate Western National from competing insurance providers in Minnesota, Wisconsin, Iowa, South Dakota, and Alaska:
Based in Minnesota: Western National was founded in St. Paul, Minnesota over 115 years ago, and the company continues to be based in Minneapolis today. The company exclusively offers car insurance to drivers in the Midwest (plus Alaska, through a subsidiary). Many drivers like the local focus of Western National, and some drivers want to work exclusively with Minnesota-based companies.
Independent Insurance Agents: Western National does business through Independent Insurance Agents located across its coverage areas. These agents serve as your gateway to all Western National products and services. You get a quote through these agents. You file a claim with these agents. You have a real, locally-based person you can trust for any insurance questions, adjustments, or concerns. These Independent Insurance Agents represent many companies – not just Western National. The company believes in giving customers a choice of policies and products, which is why they do business through Independent Insurance Agents. You can find an agent through the Western National Insurance website here.
The Relationship Company: Western National’s tagline is “the relationship company.” The company emphasizes a local, relationship-based approach to car insurance. While some companies prefer the convenience of a nationwide insurance corporation, other customers appreciate a local, personalized approach to car insurance.
Business Insurance: Western National is particularly popular with business owners throughout its coverage area. If you need car insurance for commercial vehicles or a fleet, then Western National might be your best option.
Penalty-Free Promise: Western National has a unique car insurance program called Penalty-Free Promise. If you qualify for the company’s Penalty-Free Promise, then you never pay higher rates as a result of accidents or violations. No other major insurance company offers this type of discount.
Common Loss Deductible: If you have multiple insurance products with Western National, and you need to file multiple claims for the same incident, then you pay just one deductible (whichever deductible is highest) instead of paying multiple deductibles.
Western National Car Insurance Discounts
Like all insurance companies, Western National offers a range of discounts, including:
Corporate Vehicle Discount: Get a discount when driving or registering a vehicle for corporate use.
Anti-Theft Device Discount: Western National is one of several insurance companies offering an anti-theft device discount.
Customer Loyalty Discount: Loyal customers who have been with Western National for years may qualify for a loyalty discount.
Defensive Driver Discount: If you have recently completed a defensive driving course, then you may qualify for Western National’s defensive driver discount.
Good Student Discount: Full-time high school and college students who maintain a B average or better could qualify for a good student discount.
Multi-Policy and Multi-Vehicle Discounts: If you have multiple insurance products or car insurance policies with Western National, then you get discounts across all policies.
Western National Reviews and Ratings
Western National is not ranked by J.D. Power, which assesses the largest insurance companies across the country based on claims satisfaction. Western National is not large enough to appear on J.D. Power’s nationwide or regional rankings.
Western National has a rating of A+ from the Better Business Bureau (BBB) with just 2 customer complaints.
Western National has very strong ratings with A.M. Best, which assesses the financial strength of insurance companies. In 2018, A.M. Best affirmed the rating of A+ (Superior) for Western National, indicating the company has a strong financial position and should have no issues covering its liabilities.
Western National has strong ratings online overall. The company has a 4.31 rating out of 5 on Clearsurance, for example, and 96% of reviewers are likely to renew their Western National auto insurance policy.
Overall, Western National is frequently ranked as one of the best car insurance companies in Minnesota, Iowa, Wisconsin, and South Dakota for claims satisfaction, customer service, and value.
Final Word on Western National
Western National is a car insurance company based in Minnesota. With 115+ years of experience in the property and casualty insurance space, Western National continues to offer a strong selection of insurance products to drivers, business owners, and other policyholders in the Midwestern United States.