Everything You Need to Know About MMG Insurance in 2024
MMG Insurance Company is a trusted provider of personal and commercial insurance products with over 120 years of experience. We'll cover details about the company and what the Driver Advantage program is all about.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Apr 1, 2024
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Apr 1, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- MMG Insurance company was founded in 1897 and provides comprehensive personal and commercial insurance products
- The company has received numerous awards and recognitions for its products, innovations, and service and has an A+ rating from the BBB
- MMG Insurance is only available in Maine, New Hampshire, Pennsylvania, Vermont, and Virginia
For those seeking a car or home insurance provider, it may help to check out our MMG insurance review and other data about the organization to determine if it offers the coverage you desire at the right price. MMG has a long history of providing personal and commercial insurance, but that does not automatically mean it’s your best option.
MMG Insurance Company offers many benefits, including positive reviews and awards, is well-recognized within the industry, and offers competitive discounts. Here, we’ll discuss what MMG Insurance Company has to offer.
If you’re looking for affordable auto insurance or any other type of insurance coverage, just enter your ZIP code into our free online quote tool above to compare multiple rates today.
What is MMG Insurance Company’s rating?
The company generally rates well with certifying organizations. According to A.M. Best, MMG scores an A, which ranks the company as a stable and financially strong organization. The company also has an A+ rating with the Better Business Bureau and has been a member since 2017.
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MMG Insurance Company History
Maine Mutual Group (MMG) Insurance Company began in Northern Maine in 1897. It was founded as the Aroostook County Patrons Mutual Fire Insurance Company by a group of residents in a small farming and logging community who wanted more affordable coverage. The company solely focused on providing fire and lightning strike coverage, which was the most significant risk to businesses and homes in the area. In 1906, it became Maine Mutual Group and would eventually grow into the company it is today.
Throughout its history, MMG received numerous awards and recognition for the work it provides. According to WMTW News 8, MMG Insurance has made the list of top places to work, and the company has received the 2020 Company of the Year award from the Maine Insurance Agents Association, MMG also received the Silver Level Digital Insurer Award from IVANS in 2020.
What does MMG Insurance Company offer?
MMG provides insurance in Maine, New Hampshire, Pennsylvania, Vermont, and Virginia.
Its personal insurance products include:
- Auto insurance
- Dwelling fire insurance
- Homeowners insurance
- Watercraft insurance
- Personal umbrella insurance
- Snowmobile insurance
It also provides commercial insurance, including:
- Business auto insurance
- Business owner insurance
- Commercial package policies
- Commercial umbrella insurance
- Farm owner insurance
- Special trade contractor coverage
MMG offers a fairly comprehensive array of insurance coverage options for any individual or business. The most notable missing piece, though, is life insurance.
What types of insurance discounts does MMG Insurance Company offer?
For many people, car insurance discounts are an essential consideration when choosing a provider. MMG Insurance Company offers several potential discounts to those who qualify.
These include:
- Anti-theft device discounts
- Multi-policy discounts
- Military family discounts
- Good student discounts
The company does not advertise its discounts or package pricing. However, it is possible to get a free, no-obligation quote for coverage that may answer some questions about what to expect.
In order to get a better idea of discounts to ask about, the table below displays discounts offered by the top insurance companies in the business so you can be sure that you are getting the best possible deal:
Car Insurance Discounts by Provider
| Discount Name | Allstate | American Family | Farmers | Geico | Liberty Mutual | Nationwide | Progressive | State Farm | Travelers | USAA |
|---|---|---|---|---|---|---|---|---|---|---|
| Adaptive Cruise Control | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Adaptive Headlights | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Anti-lock Brakes | 10% | ✓ | ✓ | 5% | 5% | 5% | ✓ | 5% | ||
| Anti-Theft | 10% | ✓ | 23% | 20% | 25% | ✓ | 15% | |||
| Claim Free | 35% | ✓ | ✓ | 26% | ✓ | 10% | ✓ | 15% | 23% | 12% |
| Continuous Coverage | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 15% | ✓ | ||
| Daytime Running Lights | 2% | ✓ | 3% | 5% | 5% | ✓ | ✓ | |||
| Defensive Driver | 10% | 10% | ✓ | ✓ | 10% | 5% | 10% | 5% | 10% | 3% |
| Distant Student | 35% | ✓ | ✓ | ✓ | ✓ | 10% | ✓ | 7% | ||
| Driver's Ed | 10% | ✓ | ✓ | ✓ | 10% | ✓ | 10% | 15% | 8% | 3% |
| Driving Device/App | 20% | 40% | ✓ | ✓ | 30% | 40% | 20% | 50% | 30% | 5% |
| Early Signing | 10% | ✓ | ✓ | ✓ | ✓ | 8% | ✓ | ✓ | 10% | 12% |
| Electronic Stability Control | 2% | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | |
| Emergency Deployment | ✓ | ✓ | ✓ | 25% | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Engaged Couple | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Family Legacy | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 10% |
| Family Plan | ✓ | ✓ | ✓ | ✓ | ✓ | 25% | ✓ | ✓ | ✓ | ✓ |
| Farm Vehicle | 10% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
| Fast 5 | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Federal Employee | ✓ | ✓ | 12% | 10% | ✓ | ✓ | ✓ | ✓ | ||
| Forward Collision Warning | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | |
| Full Payment | 10% | ✓ | ✓ | $50 | ✓ | ✓ | ✓ | 8% | ✓ | |
| Further Education | ✓ | ✓ | 10% | 15% | ✓ | ✓ | ||||
| Garaging/Storing | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 90% | ||
| Good Credit | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||
| Good Student | 20% | ✓ | 15% | 23% | 10% | ✓ | 25% | 8% | 3% | |
| Green Vehicle | 10% | ✓ | 5% | ✓ | 10% | ✓ | ✓ | ✓ | 10% | ✓ |
| Homeowner | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | 3% | 5% | ✓ | |
| Lane Departure Warning | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Life Insurance | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Low Mileage | ✓ | ✓ | ✓ | 30% | ||||||
| Loyalty | ✓ | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | |
| Married | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||
| Membership/Group | ✓ | ✓ | ✓ | 10% | 7% | ✓ | ✓ | |||
| Military | ✓ | ✓ | 15% | 4% | ✓ | ✓ | ||||
| Military Garaging | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 15% |
| Multiple Drivers | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Multiple Policies | 10% | 29% | ✓ | 10% | 20% | 10% | 12% | 17% | 13% | |
| Multiple Vehicles | ✓ | ✓ | 25% | 10% | 20% | 10% | 20% | 8% | ||
| New Address | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| New Customer/New Plan | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| New Graduate | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| New Vehicle | 30% | ✓ | ✓ | 15% | ✓ | 40% | 10% | 12% | ||
| Newly Licensed | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Newlyweds | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Non-Smoker/Non-Drinker | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Occasional Operator | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Occupation | ✓ | 10% | 15% | ✓ | ✓ | ✓ | ||||
| On-Time Payments | 5% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 15% | ✓ | |
| Online Shopper | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 7% | ✓ | ✓ | ✓ |
| Paperless Documents | 10% | ✓ | ✓ | ✓ | 5% | $50 | ✓ | ✓ | ✓ | |
| Paperless/Auto Billing | 5% | ✓ | ✓ | ✓ | $30 | ✓ | $20 | 3% | 3% | |
| Passive Restraint | 30% | 30% | 40% | 20% | ✓ | 40% | ||||
| Recent Retirees | ✓ | ✓ | ✓ | ✓ | 4% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Renter | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Roadside Assistance | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Safe Driver | 45% | ✓ | 15% | ✓ | 35% | 31% | 15% | 23% | 12% | |
| Seat Belt Use | ✓ | ✓ | ✓ | 15% | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Senior Driver | 10% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
| Stable Residence | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Students & Alumni | ✓ | ✓ | ✓ | 10% | 7% | ✓ | ✓ | ✓ | ||
| Switching Provider | ✓ | ✓ | 10% | ✓ | ✓ | ✓ | ✓ | |||
| Utility Vehicle | 15% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
| Vehicle Recovery | 10% | ✓ | ✓ | 15% | 35% | 25% | ✓ | 5% | ||
| VIN Etching | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | |||
| Volunteer | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Young Driver | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | $75 |
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What is Driver Advantage from MMG?
MMG Insurance Company offers Driver Advantage, a type of coverage enhancement that may help improve current coverage. This add-on helps to provide additional protection but also includes a safe driving incentive.
It may reward a driver with significant savings if they remain accident- or claim-free. Driver Advantage includes:
- Disappearing collision deductible for staying claim-free
- Original equipment manufacturer (OEM) parts guarantee, which means the same manufacturer components will be used to make repairs for a qualified claim
- Increased medical payments for added financial protection
- Full glass deductible waiver
- Increased transportation expense limits
- Increased towing and labor limits
- Lockout and key replacement services
- Airbag deployment coverage
- Trip interruption coverage
The company also offers Enhanced Auto Replacement, a type of endorsement for new model year vehicles to help reduce the risk of costly first-year losses. In this case, the replacement cost is based on the latest current model year for that vehicle and the MSRP for a current-year model.
Auto loan and lease coverage are also included if you have collision and comprehensive coverage with MMG. This endorsement would cover any difference you owe on a lease or a loan if the car is totaled in a covered incident and you owe more than it’s worth.
MMG Insurance: Navigating Excellence in Claims Processing
Ease of Filing a Claim
MMG Insurance offers a user-friendly claims filing process that prioritizes convenience for policyholders. Customers can file their claims through various channels, including online, over the phone, and through mobile apps. This flexibility ensures that you can initiate a claim in a way that suits your preferences and circumstances.
While experiencing a loss can be stressful, MMG Insurance makes the claims filing process simple. No matter the time of day, you could file a claim by logging into your account online or by calling the 24-hour service line that MMG has available for emergencies like this.
Average Claim Processing Time
When it comes to claim processing, MMG Insurance aims for efficiency. While actual processing times may vary depending on the nature and complexity of the claim, the company is committed to handling claims promptly. To get a better understanding of their average claim processing time, it’s advisable to contact MMG Insurance directly.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback is a valuable indicator of an insurance company’s performance in handling claims. MMG Insurance has earned a reputation for reliable claim resolutions and fair payouts, as demonstrated by positive customer reviews. Before making your insurance decision, it’s wise to explore customer feedback to gain insights into other policyholders’ experiences.
MMG Insurance: Elevating Excellence with Innovative Digital and Technological Features
Mobile App Features and Functionality
MMG Insurance offers a mobile app designed to enhance policyholders’ experience. The app provides convenient access to policy information, claims filing, and more. It is equipped with features that streamline tasks such as premium payments, policy management, and communication with customer support. The mobile app’s functionality ensures that you can manage your insurance needs on the go.
Online Account Management Capabilities
With MMG Insurance, policyholders benefit from robust online account management capabilities. Through the company’s online portal, you can access and update your policy information, view billing statements, make payments, and track claim statuses. This online convenience simplifies the insurance management process and empowers you to stay informed about your coverage.
Digital Tools and Resources
MMG Insurance provides a range of digital tools and resources to assist policyholders in making informed decisions. These resources may include online calculators, educational materials, and articles related to insurance topics. By leveraging these digital assets, you can better understand your insurance options and make choices that align with your needs and budget.
As you explore MMG Insurance’s offerings and features, keep in mind that your experience may vary based on your location and specific policy details. Always reach out to the company directly for the most accurate and up-to-date information on their claims process and digital capabilities.
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What You Need to Know About the MMG Insurance Company
Although the MMG Insurance Company is over 100 years old, it hasn’t fallen behind the times. With MMG, you can pay online for your policies, so you won’t ever have to worry about missing a bill again. With the wide array of additional coverages that MMG offers, you’ll be able to rest easy knowing that your home and auto are protected.
Now that you’ve finished this in-depth MMG review, you can feel confident as you start shopping for an insurance company that fits your needs. Enter your ZIP code to start comparing free insurance quotes today.
Frequently Asked Questions
What is MMG Insurance?
MMG Insurance, or Maine Mutual Group, is a reliable insurance company that provides coverage options for homeowners and auto policies. The company has been in business for over a century and has a good financial strength rating.
Where does MMG Insurance provide coverage?
MMG Insurance is only available in five states:
- Maine
- New Hampshire
- Pennsylvania
- Vermont
- Virginia
How can I get a policy from MMG Insurance?
MMG Insurance does not sell policies directly. The company’s policies are sold through independent agents who are hired by clients to find the best policies for their needs.
What types of coverage does MMG Insurance offer?
MMG Insurance provides several coverage options for home and auto policies. For home insurance, customers can choose between two policies: the MMG Select Homeowners Policy and the MMG Prestige Homeowners Policy. For auto insurance, customers can choose from liability coverage, collision coverage, and comprehensive coverage, among others.
Does MMG Insurance offer any discounts?
MMG Insurance may offer discounts on certain insurance products. The availability and eligibility criteria for discounts can vary, so it’s recommended to inquire with MMG Insurance directly or check their website for information on the specific discounts they offer.
Can I manage my MMG Insurance policy online?
Yes, MMG Insurance offers online policy management for its customers. Through their website or dedicated customer portal, you can access your policy details, make payments, update your information, and perform various other policy-related tasks conveniently.
How can I file a claim with MMG Insurance?
If you need to file a claim with MMG Insurance, you should contact their claims department as soon as possible. They will guide you through the process and provide you with the necessary information and forms to complete. It’s important to have all the relevant details and documentation related to the incident when filing a claim.
What factors should I consider when choosing insurance coverage from MMG Insurance?
When choosing insurance coverage, it’s important to consider factors such as the type of coverage you need, the policy limits and deductibles, the reputation and financial stability of the insurance company, the customer service experience, and the cost of the premiums. MMG Insurance is known for its solid reputation, but it’s always advisable to compare options and choose what best fits your needs.
Does MMG Insurance sell life insurance policies?
Unfortunately, MMG doesn’t offer life insurance policies as of yet. However, you can shop online to find the best insurance policy for your needs.
Does MMG Insurance sell other insurance policies?
You can purchase a wide array of insurance products from MMG like personal or commercial umbrella insurance, a commercial auto policy, a farm insurance policy, and even recreation vehicle insurance policies.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.