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Westfield Auto Insurance Review

Friday, 08 November 2013 18:48

Westfield Insurance is a well-established auto, personal and business insurance provider that currently sells insurance in 21 states. It is known for its financial stability and for having a wide range of coverage options. The company is not ranked among the top 25 largest auto insurance providers in the U.S. and its smaller size has prevented it from receiving third party rankings. Westfield Insurance offers unique discounts through its Wespak home and auto insurance packages along with several vehicle coverage options. Interested customers cannot get a quote online and must contact one of the company’s insurance agents for a detailed quote.

Company Background Information

Westfield Insurance was founded in 1848 under the name Ohio Farmers Insurance Company by a group of farmers who were in need of property insurance. The company is headquartered in Westfield, Ohio and currently employs over 2,400 people. Westfield Insurance sells personal and business insurance in 21 states and offers multiple business coverage options along with its personal lines. It sells insurance exclusively through a network of over 1,200 insurance agents and does not sell any insurance directly to consumers.

Westfield Insurance is one of the ten largest farm insurance companies in the United States. It has been rated A or higher by A.M. Best for the past 75 years, one of the company’s sure signs of consistent financial strength and stability. J.D. Power included the company in some of its prior customer satisfaction surveys but did not rank it due to a small sample size.

Pros of Westfield Auto Insurance

  • A financially stable well established insurance company
  • Multiple policy options and discounts

Cons of Westfield Auto Insurance

  • Some customer complaints online
  • No J.D. Power ranking
  • Not available in every state

Types of Insurance Offered

Westfield Insurance offers the minimum required coverage for cars, motorcycles, RVs and trucks along with comprehensive and collision coverage options.

Optional roadside assistance coverage is available which provides: towing, locksmith services, tire service, fuel delivery, winching, and battery starting services. Roadside assistance is available 24/7 and 365 days a year throughout the United States and Canada. No payment is required for the service and there are no out of pocket costs.

In addition to roadside coverage, the company offers GAP coverage to cover the difference between a vehicle’s cash value and any amount owed on a loan or lease, extended non-owner liability coverage, and electronic equipment coverage.

Wespak Insurance Packages

The Wespak insurance package combines home and auto insurance into one policy with one deductible and a single bill. This program can save up to 15% on auto and home insurance and includes extras such as home replacement cost coverage. Optional roadside coverage can be included and the package is available to home and condo owners as well as renters. The Wespak Estate plan has high coverage limits along with several extra features for high value homes.

Customer Reviews

There are mixed reviews of Westfield Insurance online. Some customers have complained of difficulties getting their auto claims processed quickly, and reports of adjusters trying to deny homeowners claims. There were other reports of increased premiums following an accident, which can be expected of almost any insurance company, and other customers had negative experiences with particular support representatives.

Westfield

Recommendations

With some of the negative reviews of Westfield Insurance online and few third party ratings to counter the reviews, it is hard to give them a strong recommendation. Insurance shoppers who live in one of the company’s state markets may consider getting a quote from Westfield Insurance to see how they compare with other insurers. A quote for a Westfield Insurance auto policy would need to be initiated through one of their independent agents, but you can get an auto quote from other insurance providers now just by entering your zip code on this page.

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Company Information
Sales Phone 800-552-9134
Website
http://www.westfieldinsurance.com/root/pg.jsp?page=index
Market Share N/A
AM Best Score A
JD Power Rating N/A
Coverage
Arizona, Colorado, Delaware, Florida, Georgia, Illinois, Indiana, Iowa, Kentucky, Maryland, Michigan, Minnesota, New Mexico, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia, West Virginia, and Wisconsin.