Agricultural Workers Mutual Insurance Review & Complaints: Auto & Farm Insurance (2023)
Agricultural Workers Mutual Auto Insurance Company provides auto insurance to farm and ranch owners and their families. A membership-based company, Agricultural Workers Mutual Auto Insurance Company's policies are only available in Texas.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many different insurance providers, which gives him unique insight into the insurance market...
Commercial Lines Coverage Specialist
UPDATED: Sep 26, 2023
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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: Sep 26, 2023
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.
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About Agricultural Workers Mutual
Called AgWorkers Insurance for short, Texas-based Agricultural Workers Mutual has been in business since 1948. They are a membership-based mutual insurance company with eligibility rules similar to many fraternal benefit societies.
In order to become a member and take out a 12-month policy from AgWorkers, you must meet one of the following requirements:
- Have an agricultural or related degree, including veterinary science, life science, of family consumer science
- Be an employee of a qualifying company involved in agricultural production
- Own agricultural land
- Be the child of one of the above
AgWorkers also offers six-month policies to:
- Families of policy owners
- Members of select agricultural associations
As a mutual company, AgWorkers pays dividends to its members, citing an average of 17% on their website for 12-month policies. Six-month policies are not eligible for dividends.
Currently, AgWorkers policies are only available in Texas through branch offices situated in select cities. The company headquarters is located in Haltom City, TX. Your one-stop online insurance guide. Get free quotes now!
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AgWorkers Car Insurance Policies
There is not a lot in the way of detail on the AgWorker’s website in terms of policies, but the company appears to offer a standard package auto policy. This includes typical coverage options such as liability coverage, comprehensive coverage and collision coverage, as well as rental reimbursement, roadside assistance, and more. Other coverage options policyholders can take advantage of include medical payments and personal injury protection, and uninsured motorist coverage.
Since the company only writes auto insurance, there are no discounts available for other policies, although they likely have a multi-car discount. Again, information on the website is limited, and visitors are instructed to get a quote for more information.
Rates
There is an online option to obtain a quote on the AgWorkers website, but it requires a great deal of personal information, including providing your eligibility status. As a result, we were unable to obtain numbers or information regarding an average rate.
Rates from a company like AgWorkers do not usually compete with major insurers, but the added value of dividends and other membership benefits often make up the difference. If you want to know how much you need to pay for their insurance product, you can request a quote.
Making Your Way Through Claims With Agricultural Workers Mutual Insurance
Ease of Filing a Claim
Agricultural Workers Mutual Auto Insurance Company offers multiple methods for policyholders to file claims. While the company does not provide an online claim reporting option, they do offer a toll-free number for policyholders to report claims over the phone.
The availability of 24/7 customer support for claims reporting is not explicitly mentioned on their website, so it’s advisable to contact them during regular business hours. The absence of an online claims portal may be seen as a limitation for those who prefer digital convenience.
Average Claim Processing Time
The exact average claim processing time for Agricultural Workers Mutual Auto Insurance is not provided on their website or in the available information. Policyholders may need to contact the company directly to inquire about their typical claim processing time.
Quick and efficient claims processing is crucial for customer satisfaction, and potential customers may want to gather more information on this aspect before making a decision.
Customer Feedback on Claim Resolutions and Payouts
Agricultural Workers Mutual Auto Insurance Company enjoys a positive reputation when it comes to customer feedback on claim resolutions and payouts. The company has an A+ rating with the Better Business Bureau (BBB), and there are no complaints on file in the past three years according to consumer reports.
Additionally, their Facebook page has 66 reviews, with an overall 4.8-star rating, highlighting excellent customer service and client satisfaction. This positive feedback suggests that the company is responsive and effective in handling claims, which is a significant factor for prospective policyholders to consider.
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Digital Features: Agricultural Workers Mutual’s Tech-Savvy Offerings
Mobile App Features and Functionality
The availability of a dedicated mobile app for Agricultural Workers Mutual Auto Insurance is not explicitly available. However, prospective policyholders who prefer mobile app functionality for managing their insurance policies should inquire directly with the company about the availability and features of their mobile app.
Online Account Management Capabilities
Agricultural Workers Mutual Auto Insurance Company offers online account management capabilities to its policyholders. Online account management typically allows customers to view policy documents, make payments, and access important policy information conveniently through a web portal.
The ease of use and functionality of this online platform can significantly enhance the overall customer experience.
Digital Tools and Resources
Prospective policyholders interested in accessing digital resources such as educational materials, tools for estimating coverage needs, or other online resources should inquire directly with the company to understand the extent of their digital offerings. Digital tools can be valuable for customers seeking to make informed insurance decisions.
The Bottom Line
Agricultural Workers Mutual appears to provide good service to its customers, and it might be a good choice if you are eligible for membership. Without more information on rates and products, however, it’s hard to say how they stack up in terms of value. Before deciding on any one company, though, it is always a good idea to do some comparison shopping and browse quotes from multiple auto insurance providers. Begin your search now for cheap auto insurance rates by entering your zip code into our quote tool.
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Frequently Asked Questions
What is Agricultural Workers Mutual Insurance?
Agricultural Workers Mutual Insurance is an insurance company that specializes in providing coverage for farmers and their agricultural operations. They offer both auto and farm insurance products.
What types of auto insurance products does Agricultural Workers Mutual Insurance offer?
Agricultural Workers Mutual Insurance offers a range of auto insurance products, including liability coverage, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage. They also offer additional coverage options, such as roadside assistance and rental car coverage.
What types of farm insurance products does Agricultural Workers Mutual Insurance offer?
Agricultural Workers Mutual Insurance offers a variety of farm insurance products, including property coverage for farm buildings and equipment, liability coverage for farm operations, crop insurance, and livestock insurance. They also offer coverage for farm vehicles, such as tractors and combines.
How can I get a quote for auto or farm insurance from Agricultural Workers Mutual Insurance?
To get a quote for auto or farm insurance from Agricultural Workers Mutual Insurance, you can visit their website or call their customer service department. You will need to provide information about your specific insurance needs and the types of coverage you are interested in.
Are there any discounts available for auto or farm insurance from Agricultural Workers Mutual Insurance?
Agricultural Workers Mutual Insurance offers a range of discounts for both auto and farm insurance customers. These may include discounts for multiple policies, safe driving, good grades for student drivers, and more. Contact their customer service department for specific details about available discounts.
What are some common complaints or issues that customers have had with Agricultural Workers Mutual Insurance?
Some common complaints or issues that customers have had with Agricultural Workers Mutual Insurance include difficulty with claims processing, slow response times from customer service representatives, and lack of transparency about policy terms and conditions. However, it’s important to note that every customer’s experience may be different, and some customers may have had positive experiences with the company.
How can I file a complaint about Agricultural Workers Mutual Insurance?
If you have a complaint about Agricultural Workers Mutual Insurance, you can contact their customer service department directly to try to resolve the issue. If you are unable to resolve the issue through customer service, you can file a complaint with your state’s department of insurance or with a relevant industry regulator.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many different insurance providers, which gives him unique insight into the insurance market...
Commercial Lines Coverage Specialist
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.