Meemic car insurance review September 2018 | finder.com

Meemic car insurance review September 2018

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A provider that caters to teachers and other educators living in Michigan, Illinois or Wisconsin.

No one likes shopping for car insurance, but it helps when you find a provider that’s whole goal is to offer you the most affordable coverage possible. Enter Meemic Insurance Insurance. Founded by seven teachers, this provider focuses on offering discounted rates with exclusive benefits to members of the educational community. Plus, free online quotes and local agents give you the flexibility and in-person support you may be looking for.

Description Teachers and other educators living in Michigan, Illinois and Wisconsin can get personalized auto insurance made with them in mind through Meemic Insurance.
States served Illinois, Michigan, Wisconsin
Roadside assistance Optional
Pay schedule 12 months, 6 months
Claims methods online, phone
New car protection No

Pros

  • In-person support
  • Unique discounts for educational professionals
  • Special repair program

Cons

  • Limited availability
  • Must work in education
  • Can’t change policy online
Defensive driving discount Yes
Good student discount Yes
Loyalty discount Yes
Homeowner discount Yes
Military discount No
Safety device discount Yes
Special employment discount No
Usage-based discount No
Other discounts The Educated Choice® Repair Program discount

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Who is Meemic Insurance best for?

Meemic Insurance Insurance is best for members of the educational community who live in one of the three states it services: Michigan, Illinois or 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.

What is Meemic Insurance?

Founded in 1950 by a group of seven teachers in Auburn Hills, Michigan, the Meemic Insurance name originally stood for Michigan Educational Employees Mutual Insurance Company. Since then, it’s expanded its products to Illinois and Wisconsin to provide affordable insurance — including auto, home, boat and umbrella coverage — to members of the educational community in the Midwest.

Its primary focus on educators allows Meemic Insurance to hone in on its insurance products and provide unique cost-saving discounts not found elsewhere. Customers can get savings of up to 35% off their auto insurance policies.

Committed to change wherever possible, Meemic Insurance’s passion for serving the educational community extends with The Meemic Insurance Foundation, a nonprofit dedicated to the future of education. Since 1992, it has provided over $2 million in financial assistance to schools and educators.

What car insurance coverage does Meemic Insurance offer?

Since Meemic Insurance only offers auto insurance in three states, the policies and add-ons are geared toward the laws and requirements in those states. Here are some of the coverage options available:

  • Bodily injury liability. Covers injuries to others in the case of an at-fault accident
  • Property damage liability. Covers damage to other vehicles or property for an at-fault accident.
  • Collision. Covers damage to your vehicle when you cause an accident.
  • Comprehensive. Covers damages to your vehicle caused by anything other than an accident, such as fire, theft or flood.
  • Personal injury protection. Covers medical expenses and lost wages for you and your passengers.
  • Uninsured/underinsured motorist (UM/UIM) coverage. Covers medical expenses if you’re injured by a driver who doesn’t have any car insurance or doesn’t have enough to cover your bills.

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 car insurance rates

Specific rates depend on the city you live in, the car you drive and your driving habits. Meemic advertises that customers can get cheaper rates of up to 35% off by qualifying for certain discounts. To find out the rates you could get, visit the Meemic site to get a free online quote or to find an agent near you.

What discounts can I get with Meemic Insurance?

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:

  • Newly certified teacher discount. Snag an extra discount for the first seven years following your teaching certification.
  • Paid-in-full discount. Pay your bill in full at the start of your policy to enjoy a discount.
  • Multi-policy discount. Insure both your car and home with Meemic to unlock savings.
  • Anti-theft discount. If your car comes with anti-theft devices, you can likely score a lower rate.
  • Educational community discount. Just for being an educator, you’ll qualify for an extra discount on your premium.

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Does Meemic Insurance offer any special programs?

Yes, 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.

What’s not covered by Meemic Insurance?

Meemic focuses on members of the educational community who have good driving habits. It’s not ideal for older cars or modified cars. You can get coverage for your old, trusty car, but you’ll likely pay more.

Antique and classic cars are the exception. Meemic offers special classic car insurance for your prized Pontiac GTO, Ford Thunderbird or other retro car.

Are there any coverage maximums?

The bonus accidental death benefit you get through the Allied Extra program goes up to $10,000. Otherwise, coverage maximums vary by state, so you’ll need to contact your local agent for more information.

Pros and cons of Meemic car insurance

Pros

  • In-person support. In addition to getting a free online quote, Meemic also has local insurance agents to help give you in-person support.
  • Unique discounts for educational professionals. Depending on your state and coverage, you can likely unlock discounts of up to 35% off your premium.
  • Special repair program. Go to a pre-approved repair shop and your claim payments are sent directly to the shop after repairs are completed, saving you a step.

Cons

  • Limited availability. Meemic only offers insurance to residents of Illinois, Wisconsin and Michigan.
  • Must work in education. If you’re not a librarian or member of the educational community, you won’t be able to apply for insurance through Meemic.
  • Can’t change policy online. An online account allows you to pay your bill, view your policy and start a claim, but to change things with your policy, you have to contact your local agent.

What do customers say about Meemic Insurance?

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, 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 the company wants to create a better user experience.

How to apply

Get a free quote online in minutes.

  1. Visit the Meemic Insurance website and locate the Get a Quote widget on the homepage.
  2. Input your ZIP code and click Start Quote.
  3. Follow the prompts to input your personal information, details about the vehicles you wish to insure and contact info for the drivers you wish to add to your policy.
  4. Submit your application and wait for Meemic to provide you with a quote.

What info do I need to apply?

  • Your personal information, including your driver’s license.
  • Details on the vehicles you plan on insuring, including their make and model.
  • Information on the drivers you plan on adding to your policy.

How do I find a Meemic Insurance agent near me?

Go to the Meemic Insurance website and locate the Find an Agent widget on the homepage. Enter your ZIP code and click Find Agent. A list of local agents and their contact information will appear.

How to make a claim

Meemic allows you to file a claim in two different ways:

  • By phone. With claims representatives available 24/7, the fastest way to file a claim is by calling 800-231-5770.
  • Online. If you don’t need an immediate response, you can file a claim online by going to the Meemic website and logging in to your account. A claims representative will contact you within one business day to discuss next steps.

Whichever way you choose to file a claim, you’ll want to have your policy number handy, as well as details about the incident, contact info for the other drivers involved, a copy of the police report and any photos you may have taken of the damage incurred.

Depending on the severity of your claim, you may qualify to use the Meemic Quick Estimate Claims app to expedite the claims process and get back on the road faster. To use the app, you’ll need to have already filed a claim online or by phone. If the claims representative you work with says that your claim qualifies, then you can download the app on your iPhone or Android smartphone. From there, you’ll need to input your claim number and your VIN, and upload photos of your vehicle’s damage. Within hours, you’ll receive a repair estimate.

How to contact Meemic Insurance

  • By phone. To contact Meemic’s general customer service line, call 800-362-4030 — Monday through Friday from 7:30 a.m. to 7 p.m. CT.
  • By email. Go to Meemic Insurance’s website and click Contact Us at the top of the page. Fill out the online contact form and wait for an agent to get back to you.
  • By mail

Meemic Insurance Company
PO Box 217019
Auburn Hills, MI 48321

Does Meemic Insurance offer other types of insurance?

Meemic extends its services to more than just car insurance.

  • Homeowners insurance
  • Condo insurance
  • Renters insurance
  • Umbrella insurance
  • Flood insurance
  • Motorcycle insurance
  • Boat insurance
  • RV insurance
  • ATV insurance
  • Snowmobile insurance
  • Life insurance through a partnership with AAA

What car insurance providers are similar to Meemic Insurance?

There aren’t many other insurance providers that cater to members of the educational community quite like Meemic does. However, you’ll still be able to find some that offer special discounts and coverage options curtailed specifically to teachers.

With Liberty Mutual, you can get vandalism loss protection, personal property coverage and collision coverage specifically for when incidents happen on school property or during a school-related event.

If you’re an educator that insures with Horace Mann, you’ll be automatically enrolled in the Educator Advantage program. This offers a reduced deductible if your car is vandalized on school property, liability coverage if you transport students to and from a school event and more perks.

Compare car insurance providers

Name Product Roadside assistance New car protection Available states
Liberty Mutual
Included free
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Allstate
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Root
Included free
No
Arizona, Arkansas, Delaware, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maryland, Mississippi, Missouri, Montana, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Texas, Utah
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
All states except Alaska, Delaware, Hawaii, New Hampshire, Montana, Vermont, Wyoming
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
USAA
Included free
No
All 50 states
USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.

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Roslyn McKenna

Roslyn McKenna is an assistant publisher for car insurance at finder.com. With a love of everything nerdy, Roslyn puts her passion for writing to good use by empowering our readers to get what they want from their money. Her goal is to help people get a great deal on car insurance so they can enjoy the ride.

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