Providence Mutual Insurance Review

Updated October, 2020
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Providence Mutual provides excellent auto coverage options to residents of Connecticut, Maine, Massachusetts, New Hampshire, New Jersey, lower New York, and Rhode Island. Affordable rates and an A+ rating from BBB make Providence Mutual an attractive insurance option. Conveniences such as 24/7 claims filing sets Providence Mutual apart from other insurers.

Providence Mutual Insurance overview

Body: Providence Mutual is a mutual insurance company, which means that the company is owned by the policyholders. As the nation’s 5th oldest insurance company, Providence Mutual has over 200 years of experience helping people find the appropriate insurance coverage.

Providence Mutual works with independent agents to find you the best rates tailored to your auto insurance needs.

Additional coverage options

Providence Mutual's auto policies include all the basics plus add-ons such as:

  • New Car Replacement: If you get into an accident with a new car, your vehicle is replaced with a new vehicle of the equivalent make and model.
  • Roadside Assistance: Pays for towing and other services if you break down on the side of the road.
  • Anchor Plus: Receive an additional layer of coverage that includes Car Key Replacement, Emergency Lodging, and Pet Injury.

Filing a claim is simple:

After you submit a claim, a claims representative contacts you and assists you through the claims process.

Pros

  1. 24/7 Claims: File your claims 24/7 with Providence Mutual's online new claim form.
  2. Affordable Rates: Car premiums at Providence Mutual are lower than average.
  3. Top Rated: A+ rating from the Better Business Bureau.

Cons

  1. Lack of Locations: Only available in Connecticut, Maine, Massachusetts, New Hampshire, New Jersey, lower New York, and Rhode Island.

Coverage options

  • Property Damage Liability Coverage: Covers the costs incurred from damaging another person’s property.
  • Bodily Injury Liability Coverage: This pays for the damages if the insured is deemed responsible for injuries or death to another individual.
  • Medical Expenses: Pays for medical expenses resulting in injuries caused to your passengers or driver of the insured auto.
  • Under-insured And Uninsured Motorist Coverage: Covers medical expenses caused by another driver who doesn't carry enough insurance to pay for all the damages.
  • Collision Coverage: Pays for the cost of damage to the insured car when in an at-fault accident.
  • Comprehensive Coverage: Covers expenses caused by damage to the insured car by any other means besides an accident. This includes theft, severe weather, tree limbs falling, etc.

Providence Mutual Insurance discounts

Providence Mutual Insurance doesn't have any listed discounts to take advantage of. However, we suggest reaching out to an agent and asking about some general auto insurance discounts we discuss here.

Consider Providence Mutual Insurance, if...

Providence Mutual is great for drivers looking for standard auto insurance coverage at an affordable rate. They've an A+ BBB rating and positive customer service reviews.

With Providence Mutual, you get 200 years of experience and convenient online tools like 24/7 claim filing. It's the best of both worlds: personalized insurance help and modern technology solutions.

Consider alternatives to Providence Mutual Insurance, if...

Providence Mutual is only available in Connecticut, Maine, Massachusetts, New Hampshire, New Jersey, lower New York, and Rhode Island. If you don't live in one of these states, Providence Mutual isn't the right insurer for you.

What's my best insurance option?

When shopping for car insurance it's important to compare several quotes side-by-side.  This gives you the best pricing & coverage options.

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Get cheap insurance quotes, today!
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