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finder.com's rating: 4 / 5
★★★★★
optional
Roadside assistance
New car protection
Accident forgiveness
States served | Georgia, Illinois, Michigan, Wisconsin |
---|---|
Roadside assistance | Optional |
Accident forgiveness | Yes |
New car protection | No |
Pay schedule | 12 months, 6 months, monthly |
Claims methods | online, email, phone |
Rideshare coverage | No |
SR-22 support |
Anti-theft device discount | Yes |
---|---|
Bundling discount | Yes |
Defensive driving discount | Yes |
Good student discount | Yes |
Loyalty discount | Yes |
Homeowner discount | Yes |
Military discount | No |
Safety device discount | Yes |
Special employment discount | Yes |
Usage-based discount | No |
Other discounts | The Educated Choice® Repair Program discount |
Review by
Roslyn McKenna is an insurance publisher for Finder, where she's driven to help people get a great deal on insurance to protect their families and finances. Roslyn earned a BA in writing and communications from Maryville College and has written professionally for more than a decade, showing up on Bankrate, MSN and Reader's Digest.
If you live in Michigan, Illinois, Georgia or Wisconsin and work in the educational field or are retired, it’s worth considering getting car insurance through Meemic. This provider offers services uniquely tailored to members of the educational community.
Meemic Insurance is best for members of the educational community who live in one of the four states it services: Michigan, Illinois, Georgia and Wisconsin.
Whether you’re a teacher or on the staff of a public, charter, private or parochial school or work at a college or university, Meemic Insurance offers affordable insurance with unique discounts tailored specifically to you. You can also apply for insurance through Meemic Insurance if you’re retired from one of the above positions, a library employee, work at a teaching hospital or are a school bus driver.
If you’re not in the education field, you’ll need to look elsewhere for coverage.
Since Meemic Insurance only offers auto insurance in four states, the policies and add-ons are geared toward the laws and requirements in those states. Here are some of the coverage options available:
It also offers exclusive educational community coverage, including no deductible for covered comprehensive losses that occur on school property and liability coverage for transporting students to and from school events.
Meemic offers the Educated Choice Repair Program, which allows you to bring your car to a pre-approved shop after an accident to help expedite the repair process. With this program, there’s no need to drive across town to get multiple estimates for repairs. Just visit a pre-approved repair shop, and all claims payments are sent directly to the shop after the repairs are completed.
Some shops even provide a free loaner car or discounted rental car to use until your car has been fixed. And the best part? These auto repairs are guaranteed for as long as you own the car.
Meemic offers a slew of discounts specially-crafted for those in the educational community, but you’ll need to contact your local agent to hear about specifics, as they vary by state and coverage options. Here are some of the discounts they disclose:
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Meemic proudly claims a 97% customer satisfaction rating on its site, which is based on a 2016 study on customers’ claims experiences. Online reviews paint a different picture, however.
Meemic has not been rated by the Better Business Bureau or Trustpilot, as of October 2020, though other online forums display mixed customer reviews for the insurance provider. Satisfied customers mention the affordable rates and great discounts. But a common element of many negative reviews includes rate increases after the first year and a difficult claims process.
Customer complaints against Meemic Insurance increased 25% between 2007 and 2013, according to data compiled by the Michigan Department of Insurance. This could be because of changes in top-down operations and how claims are being treated.
Meemic does appear attentive at resolving the negative experiences, responding regularly to customer feedback. This is a good sign that the company wants to create a better user experience.
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Our insurance team analyzes car insurance providers to help you choose the best car insurance for you.
We rank insurers from one to five stars based on key factors including customer satisfaction, policy options, price, billing, claims, and support. We create these rankings to help you narrow down an insurance provider that best suits your budget and coverage needs.