Central Illinois Mutual Insurance Company Review
Central Illinois Mutual Insurance Company (CIMICO) at a Glance
- Founded in 1892
- Offers personal insurance coverages
- Rated "A+" (excellent) by the Better Business Bureau (BBB)
- Not rated by AM Best
- Coverage only available in Illinois
CIMICO pros: Longstanding carrier with more than a century of history. Offers a few different coverages. High rating through the BBB.
CIMICO cons: Limited reach and coverage catalogue. Not much information about coverages, discounts, or claims processing. Not accredited by the BBB. Not rated by AM Best. No customer feedback.
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What Type of Insurance Does CIMICO Offer?
Here's a look at the insurance products offered by CIMICO.
- Homeowners insurance
- Farm insurance
- Rental dwelling insurance
- Tenant insurance
Your independent insurance agent can help you find more information about the coverages offered by Central Illinois Mutual Insurance Company, and help you decide if this insurance company is right for you.
What to Know about Central Illinois Mutual Insurance Company
Founded in 1892, Central Illinois Mutual Insurance Company has had more than a century's experience in the insurance industry. The carrier is the largest mutual provider of farm insurance in the state of Illinois. The insurance company also offers personal coverages like homeowners insurance and tenant insurance.
CIMICO claims to have more than 10,000 policyholders and distributes its coverage through 39 counties in Illinois. The insurance company has more than 80 agencies total in the state.
CIMICO is not currently rated by AM Best, the leading global credit organization monitoring the insurance industry. However, they are reinsured with Grinnell Mutual Reinsurance Company of Grinnell, IA, which is rated “A” or "excellent" by AM Best.
CIMICO is also highly rated by the BBB. However, they are not currently accredited through the organization.
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What Discounts Does CIMICO Offer?
CIMICO provides the following information about their available discounts.
- "Discounts are available for customers who write their property insurance with Central Illinois Mutual and their auto insurance with Grinnell."
CIMICO does not provide further details about how to qualify for these discounts, or how much they'll save you on your coverage. For more information about CIMICO's discounts, work with an independent insurance agent. Independent insurance agents work hard to get you the most affordable coverage.
CIMICO Customer Service
Here's a breakdown of CIMICO's customer service options and availability.
- Phone contact option
- Snail mail contact option
- Contact through agent encouraged
- Phone department hours not specified
To ensure a great customer service experience, work together with an independent insurance agent. Independent insurance agents can help handle claims and other matters for you, so you can relax and enjoy your coverage.
Central Illinois Mutual Insurance Company FAQ
What is CIMICO's average claim response time frame?
CIMICO does not offer a claims response time frame.
What is CIMICO's customer service availability?
CIMICO encourages customers to contact their agent for all customer service and claims inquiries. They do provide phone and snail mail contact options, but do not specify their phone availability.
What is CIMICO's claims process?
CIMICO's website explains their claims process as follows:
"To report a claim, please contact your agent as soon as possible. Your agent will complete the proper report and send it to the company. Be sure to provide a phone number where we can contact you. You will be contacted by an adjuster as soon as possible.
Your policy requires you to give the company or agent “prompt notice” of any loss. Other duties after a loss are explained in your policy, including but not limited to, notifying the police in case of theft, vandalism, or malicious mischief; show us the damaged property; provide an inventory of the damaged property; protect the property from further damage; cooperate with us; and submit a signed, sworn proof of loss statement. For liability claims, you should not make any admissions of fault or guilt, but you should cooperate with law enforcement as necessary."
Does CIMICO create a user-friendly experience for customers?
CIMICO's official website leaves much to be desired. It's not the most intuitive layout, creating some difficulty in finding information. Not much detail is provided about their coverages, discounts, or claims processing. The carrier also has fewer customer service options than many. Overall, CIMICO provides a subpar user-friendly experience.
Does CIMICO have good farm insurance?
CIMICO does not provide much information about their coverages without contacting an agent first. They do state that they offer liability coverage for farms. An agent can help you find more information.
Is CIMICO a good insurance company?
CIMICO has been around for more than a century and has a high rating through the BBB. However, they are not accredited by the BBB. The carrier is also not rated by AM Best and it's virtually impossible to find any customer reviews. So, it's difficult for us to rule CIMICO as a good insurance company at this time.
TrustedChoice.com's Final Review
We award Central Illinois Mutual Insurance Company a final rating of 1.5 out of 5 stars. The carrier has been around in the insurance industry for more than a century now and has a high rating through the BBB. However, they're not accredited by the BBB or rated by AM Best.
CIMICO does not provide much information about their coverages, discounts, or claims processes. It's also virtually impossible to find any customer feedback about the carrier's coverage or customer service.
Overall, with such limited information presented by the company, we're forced to recommend working with an independent insurance agent to survey your other options for a new trusted carrier.
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