Agricultural Workers Mutual Auto Insurance Review (2020)
AgWorkers is a small mutual insurance company serving Texas and Oklahoma. They have a B-rating with the BBB, and provide full coverage auto insurance.
Although the agricultural business is huge in the Midwest, this is a Texas auto insurance company, another state where agriculture is a huge money-maker. Choosing an auto insurance provider can be overwhelming, but our Agricultural Workers Mutual auto insurance review will answer any questions you have on the company.
Known as AgWorkers for short, this company serves the Oklahoma and Arkansas rural communities along with Texas. As you go through the guide, you’ll get a look into Agricultural Workers Mutual Insurance auto insurance rates and more.
If you’re ready to compare affordable quotes and other auto insurance companies, enter your ZIP code above to get started now!
Cheap Agricultural Workers Mutual Auto Insurance Rates
Cheap auto insurance rates are usually the target for potential customers who want to find auto insurance online. Unfortunately, companies big and small won’t offer direct quotes to visitors unless they go through the online or in-person quote process. Of course, a potential customer can get an anonymous quote but, it won’t necessarily reflect what they’ll pay for auto insurance.
For this section, we’ll explore general auto insurance rates for the coverage area of Agricultural Workers Mutual. The next sub-section will go into detail on where AgWorkers does business and the general auto insurance rates of each state they’re in.
What is Agricultural Workers Auto Insuranec availability by state?
AgWorkers covers the basic minimum insurance required by state auto insurance laws of Texas, Arkansas, and Oklahoma. You have the option of detailing your policy according to the needs of your motor vehicle, home, farm, or ranch. For the sake of the guide, we’ll focus only on auto insurance.
To get an idea of what auto insurance looks like, let’s take a look at the auto insurance rate projections provided by the National Association of Insurance Commissioners (NAIC). The NAIC reports on these rates each year, recording the average for auto insurance for each state.
Since AgWorkers only does business in Texas, Arkansas, and Oklahoma, we’ll focus on the average of those three states and how they compare to the countrywide average.
|State||Liability Car Insurance Rates||Collision Car Insurance Rates||Comprehensive Car Insurance Rates|
Auto insurance in Arkansas and Oklahoma are much cheaper than the national average and the average in Texas. Now, you may be wondering about the cost of insurance. These rates don’t look like average annual rates or monthly rates but resemble rates from six-month policies. We want to remind you that these average rates are general rates estimated from NAIC’s reports.
What about full coverage? Potential customers and policyholders may have bought a new vehicle and need all three coverages. Full coverage is essentially liability, collision, and comprehensive coverage combined. So the six-month averages you’ll see in the table below are the combined averages of liability, collision, and comprehensive coverage.
|State||Full Coverage Auto Insurance Rates|
Once again, Arkansas and Oklahoma have the lowest rates in the data. Texas’ full coverage rate is higher due to the larger than average urban areas in the state, but the average six-month rate may be lower in urban areas with less dense populations and rural Texas areas.
How does full coverage affect a policyholder’s salary? Saving money is one of the main objectives when shopping for a product or service. Many would like to know how auto insurance can affect their income. We looked into this factor using Zip Recruiter’s annual salary database and factored the six-month averages into the average salary of each state that AgWorker does business.
|State||Average Annual Salary||Percent of Income|
How did we find the full coverage as a percent of income? Using the information about full coverage provided by the NAIC, we divided the full coverage value by the annual salary of the state from Zip Recruiter.
So, the math to get Arkansas insurance as a percent of income would look something like this: 1,039 / 58,599. The solution to the equation is 0.0177, which translates to 1.77 percent as a percent of income in Arkansas.
Based on the information provided, Texas takes the position as the highest value for auto insurance, even higher than the national average.
The NAIC report is just one way to find general quotes, but within our company data, the average is much more expensive. Instead of looking at the six-month rates, we factor in how much auto insurance will cost for the whole year.
The averages below are quadrant data averages from companies with the largest market share and average annual rates of each area in the respective states.
|State||Average Annual Salary||Average Annual Rate||Percent of Income|
To make it more interesting, we’ve included the average annual salaries to determine how average rates affect a consumer’s income in each state. Company projections for auto insurance are more expensive than the NAIC reports. But what’s different here is that the annual rate for Texas is cheaper than Arkansas and Oklahoma.
Also, the average annual rate as a percent of income is the lowest of the three states.
Agricultural Workers Mutual Auto Insurance Coverages Offered
AgWorkers has served the state of Texas since it began and remains the home of Texas after 70 years of service. This company offers homeowners, ranch, and farm coverage in addition to business and personal auto protection.
With a layered company like AgWorkers, the basic auto insurance coverages will be available to potential customers and policyholders. We mentioned how liability is the basic minimum coverage. Not only is basic, but it’s also required by law in most areas in the U.S. In Oklahoma, you could pay up to $350 for driving without liability auto insurance.
Liability has two parts to it: bodily injury liability and property damage liability.
If you just leased or financed a new vehicle, you will need full coverage insurance, so you’ll need to get familiar with the difference between collision and comprehensive auto insurance coverage.
Collision coverage pays for property damage to your vehicle regardless of who is at fault. Comprehensive coverage pays for damages to your vehicle that doesn’t involve collisions such as vehicle theft, fire, storms, or any other accidental damage.
Here’s a list of other available coverages:
- Personal injury protection (PIP) and Medical Payments (Med Pay) coverage
- Uninsured and underinsured motorist coverage
- Towing coverage option
- Rental Reimbursement coverage
We’ve linked the list to how the state of Texas details with insurance law of these coverages. Glance through them to see how insurance companies use them and your rights as a consumer.
What are Agricultural Workers Mutual’s bundling options?
AgWorkers is an effective insurance option for farmers and ranchers. It’s not unusual for agricultural and farm owners to enroll in a commercial farm, home, and personal auto insurance policies at the same time.
The company would be willing to bundle your auto insurance with a home or commercial farm insurance. Consult with an agent on how to bundle different insurance options into your policy.
What are discounts offered by Agricultural Workers Mutual?
Speaking of bundles, policyholders can receive a car insurance discount on Agricultural car insurance when they bundle insurance. It’s a common trend among insurance companies, and likely a trend that AgWorkers follow. Companies want consumer business, so they’ll be willing to give a policyholder a deal for doing business with them.
Student drivers or young drivers can be eligible for a discount if they maintain a “B” average and take a driving training course.
In another blog post provided by AgWorkers, they insist drivers follow the hands-free law. It appears AgWorkers will issue discounts for those with a clean driving record. Most auto insurance providers do this anyway.
Other discounts may include a good credit discount, multiple vehicle policy discount, and vehicle safety feature discount. Check with the National Highway Traffic Safety Association to see which safety features are legally required on your vehicle.
What programs are available from Agricultural Workers Mutual?
Agricultural Workers Mutual Auto Insurance (AgWorkers), as the company is most commonly identified, in Arkansas has its section of the company website, which features the company newsletter.
This newsletter features a note from the president, a couple of outstanding policyholders, and company department highlights.
The newsletter also features its members in one way or another. Like most newsletters, it highlights related tips and information. This particular newsletter has tips on safe driving, and some of the top and frequent causes of car accidents. You can also locate an agent in your area.
Oklahoma’s newsletter is the same, except it also features the Academic Excellence Award. This award goes out to students who are pursuing a degree in agriculture.
Applications are received at the Texas location and offer a $500 AgWorkers scholarship award with some pre-qualifications such as that the student must:
- Maintain a 3.0-grade point average
- Be a full-time student
- Attend an accredited college or university as an undergraduate
- Complete 60 credits as an undergraduate beforehand
- Major in agriculture, natural sciences or something related
- Be an example of campus leadership
AgWorkers also offers an internship program with the company, which was started in 1988 by company President Marcus Hill. The idea was to introduce interns to the insurance and corporate world.
Canceling Your Agricultural Workers Mutual Auto Insurance Policy
Each insurance provider has a different way of canceling a policy. You’re likely to encounter several questions on why you want to cancel your insurance policy. Agents will normally ask if you have an insurance policy after you’ve canceled with them.
Whatever the reason, a policyholder can cancel at any time, but there may be some penalties and fees they’ll encounter.
Also, the law may prevent consumers from canceling immediately. We’ll use this section to talk about the things you can face when canceling an insurance policy.
Is there a cancellation fee?
AgWorkers don’t go into their cancellation policy, which means an AgWorkers policyholder will have to talk with an agent to cancel your policy, send an email on why they want to cancel, or send a certified letter by mail on why they want to cancel.
There are a few things to consider when canceling auto insurance. Canceling your policy in the middle of an agreed policy may result in a fee. Insurance providers may require a policyholder to pay the agreed policy balance before they can cancel their policy. Before you cancel, consult your insurance provider on what fees you could face for canceling insurance.
Is there a refund?
If you’ve made a deposit or paid your policy in full, you may be eligible for a refund. Auto insurance providers normally will issue a refund after you’ve made payments to insurance that you haven’t used.
How do you cancel?
The best way to cancel is to call the AgWorkers insurance phone number or email them on the date in which you want to cancel your insurance. Either way you will be put in contact with AgWorkers customer service. Be sure to include your policy number, address, and phone number so they can easily find your records.
You can find AgWorkers contact details at the top of this review.
When can I cancel?
That’s a matter of timing from the policyholder and the insurance provider. Texas law says consumers must have insurance for at least 90 days before they can cancel.
How to make an Agricultural Workers Mutual auto insurance claim?
To file an Agricultural Workers claim, you must call the claims department. In the event of an accident, it would be advisable to follow a few important steps before making the call to the claims department.
Above all else, remain calm and assess injuries to you, passengers, and the other driver. Call 911 immediately if anyone is injured. While on the phone, the dispatch will probably request officers to the scene as well.
Meanwhile, exchange information with the other party involved. It is also a good idea to write down the license plate of the other party early in the exchange just in case they decide to leave the scene before the police arrive.
How to get an Agricultural Workers Mutual auto insurance quote online?
Agricultural car insurance allows potential customers to retrieve a quote anonymously through their online quote query. This will allow potential customers to see how much they will pay for auto insurance. For this section, we will show a step by step guide on how a potential customer can receive an anonymous quote.
Step 1 – Enter Your Information
Navigate to the AgWorkers website and click on the [Retrieve a Quote].
The next page will allow you to continue with your quote you’ve previously done on their site, or you can start a new quote, which we’ve done in the screenshots below.
Click “<< Start a New Quote” to get started.
Put in all the required information to advance to the next page, then click continue. This will take you to the eligibility selection screen.
Step 2 – Explore Your Eligibility
AgWorkers will measure your eligibility based on your response. Check the box that’s close to why you want a quote from them. We choose related to a policyholder.
From here, we’re able to choose from whether you’re a child or an adult related to the policyholder.
Step 3 – Drivers to Insure
The next step in the quote process is to input driver information.
This part of the step allows the visitor to go into detail about their marital status, credit history, and driving record. You don’t have to answer everything in the selection. Click “Continue>>” to get to the next step.
Step 4 – Vehicles to Insure
The fourth step requires you to put in your vehicle information.
In addition to putting in your vehicle information, AgWorkers will want to know how much you’ll be putting into other coverage limits, such as collision and comprehensive coverage. Towing and rental reimbursement are also available.
Step 5 – Get Your AgWorkers Quote
After you click the continue button, you’ll be faced with more coverage options. Liability is split up into several parts. Additional liabilities are also listed for you to choose from.
You choose not to include PIP, uninsured motorist coverage, and underinsured motorist coverage. It may not be required to have in Texas. Click the continue button to move onto your quote.
The total cost for the six-month policy was $701. Divide that quote by six to get the monthly quote of $116.83. To finalize your quote and get enrolled in your policy, click the continue button, agree to the terms of service, and finish the query.
Agricultural Workers Mutual Auto Insurance Ratings
The ratings for AgWorkers are limited, but the company managed to make A.M. Best and Better Business Bureau (BBB) ratings.
Under A.M. Best, AgWorkers Insurance Company has an “A-” rating, meaning they substantially meet the obligations to policyholders. The BBB score is a “B-“ as of 2020. The NAIC reported that AgWorkers had a complaint index of 1.38, which is .21 points higher than the national complaint index for insurance companies.
Agricultural Workers Mutual Auto Insurance History
AgWorkers is a mutual insurance that started in 1948. From 1954 to 1964, AgWorkers grew rapidly due to investments and the number of policies attained in their coverage area.
They eventually moved into a new building, but finally settled into a permanent commercial resident in 1987. Since 2009, AgWorkers has continued to grow and has spread its services to Arkansas and Oklahoma.
As a mutual insurance company, AgWorkers pay dividends to its policyholders. They’re an insurance company that provides insurance only for those who are involved in agriculture, employed with AgWorkers, or have family employed by AgWorkers.
How is Agricultural Workers Mutual’s online presence?
On the company website, you can make an AgWorkers online payment, print your declaration page, or view your policy. You can also print I.D. cards at your convenience. You
This website also connects you to other resources in the community such as banks, credit services as well as associations in the area. These links are cattle ranching resources at your fingertips. You may contact an AgWorkers representative by email, telephone, or mail services.
Does Agricultural Workers Mutual have commercials?
There are a small number of AgWorkers videos on the web. We managed to find two that were close to commercials. Let’s take a look at one of the videos that appear to be a commercial.
The video is indeed informative about the eligibility requirements at AgWorkers. It’s one of the closest materials they have that promotes their company.
Here’s another video that describes an additional liability coverage you may want to consider.
There may be a commercial that’s aired on local Texas television, but it doesn’t appear to be available on the web just yet.
Is Agricultural Workers Mutual involved in the community?
AgWorkers focuses solely on the communities in their coverage area. They are particularly focused on individuals and communities in the agriculture profession and lifestyle.
It’s no question that they get involved in nonprofit organizations in Texas or any other area they’re located in. AgWorkers’ website doesn’t specify specific nonprofit programs, but they do mention some involvement with students pursuing agriculture degrees and surrounding hospitals.
What do Agricultural Workers Mutual employees have to say?
We ran into another roadblock when searched for what employees had to say about AgWorkers. Usually, we would look at Glassdoor, a website dedicated to giving visitors and members organization and job information. AgWorkers does have an Indeed profile, where it shows the company rated as four stars. Only 10 employee reviews are listed.
Design of Agricultural Workers Mutual Auto Insurance Website/App
The Agworkers website can be easily navigated. It’s a responsive collection of webpages, which means that the website will fit the screen of any device. The design of the website will change based on the screen.
The screenshot above is an example of what the website looks like for a desktop or laptop computer. You can make a claim, retrieve a quote, or make a payment.
If you can’t access a web browser, you can access AgWorkers services by downloading their app on Google Play and Apple Store. Here’s a screenshot of the app’s log-in screen.
This app will allow policyholders to manage their AgWorkers’ account, make payments, and make claims.
The Bottom Line
This insurance company is a practical choice for anyone in the commercial farm business. It’s not a general insurance coverage company like many larger companies. It’s a good choice for those who look for insurance for farms, ranches, or anyone involved in the agricultural business or education.
To get auto insurance quotes now, simply enter your ZIP code below to see how AgWorkers stacks up against other auto insurance companies.
Agricultural Workers Mutual FAQ
The final section of the guide will answer a few questions about AgWorkers and other questions we may have not elaborated on in the guide.
#1 – Did AgWorkers do business in a woman’s bathroom?
Yes. When the company was growing rapidly in the mid-1950s, they tried managing space within the workplace and used a portion of the women’s bathroom to do business until they moved into another commercial location.
#2 – Why can’t I get a policy with AgWorkers?
AgWorkers focus solely on individuals who are involved in agriculture, employees of AgWorkers, and families related to AgWorker employees and affiliates. If you don’t have any connections to agriculture or anyone working in AgWorkers, you may have to consult an agent.
#3 – Does AgWorkers offer medical payments coverage?
When we went through the quote process, we didn’t see Medical Payments (Med Pay) as an available coverage. Ask an AgWorkers agent if it’s available.
#4 – Is there a military discount?
The company doesn’t list any discounts for military service members, but you should ask.
#5 – How is AgWorkers different from other insurance companies?
AgWorkers is like a specialty insurance company, which focuses only on those involved with agricultural businesses, estates, and employees of AgWorkers. Although they provide auto insurance, they offer a broad range of insurance options for those who farms, ranches, and commercial agricultural businesses.