Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Apr 22, 2020

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Company Details
Address: 3905 S. 148th Street Suite 100
City: Omaha
State: NE
ZIP Code: 68144
Phone Number: 1-800-642-8572
Website: http://www.austinmutual.com/
Year Founded: 1896
AM Best Rating:
Company Rating 0 (0 reviews)

Things to Remember...

  • Cooperative Mutual merged with Austin Mutual Insurance in 2011
  • Cooperative Mutual had a customer base focused on agricultural cooperatives
  • Since merging with Austin Mutual, Cooperative has been able to provide more insurance options
  • Cooperative offers both personal and business lines of insurance products

A Cooperative Mutual Auto Insurance Review will lead you to the Austin Mutual Insurance Company.

Austin Mutual merged with Cooperative Mutual and its remaining assets, and customers became a part of the company as of January 1, 2011.

After the merger, the Cooperative Mutual website was shut down and all business is now conducted through Austin Mutual’s website.

Finding competitive auto insurance rates is the best way to save money on auto insurance. Enter your ZIP code now to compare rates and quotes from top companies.

Cooperative Mutual and Austin Mutual Merger

The process to complete the merger between the two insurance companies was started in October of 2010. This was not a merger done because one company was failing.

Both companies are well-established companies with a strong financial backing and a strong client base.

Cooperative Mutual’s main focus was insurance for agricultural cooperatives. Since they were considered the expert in the field and Austin Mutual had its own agribusiness, the offer for a merger was made. This was great for Austin Mutual but what was in it for Cooperative Mutual?

Cooperative had such an exclusive type of customer that they were not always able to offer the newest and best products to their clients as the agricultural industry changed.

Agribusiness, in all aspects, has grown from something straightforward to something complex over the years. Basically, Cooperative needed Austin to increase what it could offer customers.

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Cooperative Mutual Auto Insurance Claims

Now as a merged company, Austin Mutual has the means to offer more coverage at an even more affordable price. As coverage increases so do the ability to fulfill claims faster.

With the merge, Cooperative maintained their headquarters in Nebraska while Austin Mutual maintained their headquarters in Minnesota providing more agents, customer service reps, and locations to get claims started.

As you would expect from a company that focuses on Agribusiness, there are eight agriculturally friendly states where policies can be purchased and fulfilled.

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Cooperative Mutual Personal Products

As a merged company, Austin Mutual is able to offer even more products to clients. The personal line of products includes:

  • Personal auto
  • Homeowners insurance
  • Mobile homeowners insurance
  • Dwelling insurance
  • Umbrella insurance

Types of auto insurance include medical payments, uninsured motorist, collision, injury, and property damage liability in accordance with each state’s requirements.

Other optional features include accident forgiveness, safe drivers program, and a choice of six or twelve-month terms.

Homeowners insurance includes traditional primary residence coverage, mobile home coverage for homes under 20 years old, and dwelling insurance.

Dwelling insurance will cover homes purchased as rental properties or homes used for seasonal occupancy. All of these policies can be customized to fit your individual needs.

Umbrella insurance is like a catch-all for areas that may fall between the cracks or not have enough coverage. Umbrella coverage helps if you are faced with a lawsuit as well.

Cooperative Mutual Commercial Products

Commercial Products coverage by Austin Mutual includes business owners insurance, business auto insurance, worker’s compensation, and commercial umbrella coverage.

All of these policies are designed to help business owners get the most out of their money so they have more capital to put back into their business.

Umbrella insurance is especially important as it can help save your business if a lawsuit takes place. A lawsuit that is not covered under an umbrella policy can liquidate a business in a matter of days.

You never know what may happen on your premises of with a product, so business umbrella insurance just makes sense.

Whether you are looking for personal auto insurance or business auto insurance, comparing auto insurance rates can help you save money.

References:

  1. http://www.austinmutual.com/
  2. http://www.austinmutual.com/index.php?cID=211
  3. https://en.wikipedia.org/wiki/Agricultural_cooperative
  4. https://www.thebalance.com/what-is-agribusiness-2538209
  5. https://www.allstate.com/tools-and-resources/home-insurance/dwelling-insurance.aspx