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Bear River Mutual insurance review 2022

Updated Nov 22, 2022
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Bear River Insurance may be a good provider for Utah residents, but it may not offer some of the advantages of a larger insurer.

Pros

  • Local insurance expertise and customer support
  • Excellent financial strength rating
  • Mutual insurance company, owned by the policyholders

Cons

  • Only available in Utah
  • No online quotes
  • Limited insurance products available
  • No car or home insurance discounts advertised
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Based on Bankrate’s review of Bear River Mutual, Bear River Insurance may be a good provider for specific types of Utah homeowners and drivers, but may not be able to offer some of the advantages of a larger insurer. The company only sells coverage in Utah and the policy offerings are very limited. Home or auto insurance policies can be personalized a bit with a select few endorsements, but the company does not advertise any discounts online. Utah residents may be able to find better coverage options and greater savings opportunities from a different provider, but for those who prefer to have insurance managed locally, Bear River may be worth getting a quote.
 
Bear River Mutual Insurance is a mutual insurance company that is wholly owned by its policyholders. It sells several insurance products exclusively to Utah residents. The insurer is a more traditional insurance company in that it only provides an option to work directly through an agent for customers for quotes. The company has an A- (Excellent) rating from AM Best for financial strength, which indicates it has historically been able to satisfy its financial obligations to policyholders. A long-standing insurer in Utah, Bear River Mutual has been in business for more than 110 years. Likely due primarily to the fact that it operates in a single state, Bear River is not rated by J.D. Power or Standard & Poor’s (S&P).
 

Bear River Mutual car insurance

If you live in Utah and need a standard car insurance policy, Bear River auto insurance could be a decent option for you to consider. However, Bear River is not among the list of best car insurance companies nationally that Bankrate has reviewed, largely due to its limited availability and coverage options. The available endorsements include rental reimbursement and roadside assistance.

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Bear River Mutual car insurance discounts

Bear River Mutual does not advertise any car insurance discounts on its website for additional ways to lower your car insurance costs. However, you can ask an agent about savings opportunities when you get a quote. Most insurers offer additional savings on both policies if you bundle your home and auto under one provider, so this may be worth discussing with a Bear River Mutual agent.

Bear River Mutual car services

One of the unique features of Bear River Mutual is the company’s Bear Care Direct Repair Program. If your car is damaged in a covered claim, you can choose from one of the Bear Care program’s vetted auto body shops that provides repairs. Work that is completed by a Bear Care Direct Repair shop is guaranteed by the insurance company for as long as the policyholder owns their vehicle.

Bear River Mutual home insurance

Based on our assessment, Bear River home insurance offers fairly standard coverage compared to other national or larger regional carriers. The company only insures homes in Utah, with coverage available for primary and secondary homes. Bear River’s website is not especially informative about what its home policies cover and what coverage limits are available, so you may be best served speaking to an agent to learn if a home policy will meet your insurance needs. We did find that, in addition to basic liability insurance, you could add coverage for equipment breakdown, a buried utility line and earthquakes to your policy.

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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
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Bear River Mutual home insurance discounts

Most of the best home insurance companies Bankrate has reviewed offer discounts, but Bear River does not list any savings opportunities on its website. While you would typically find discounts from insurers for bundling a home and auto insurance policy, you will need to speak to an agent directly to learn if Bear River offers this option to its homeowners who also insure a vehicle with the company.

 

Bear River Mutual home services

Bear River’s Bear Care Repair Program is also available for home insurance claims, which is a fairly unique feature among home insurance companies. If your home is damaged in a covered loss, you could hire a contractor through the Bear Care Home Repair Program to get repairs backed by a three-year guarantee.

Other Bear River Mutual perks worth considering

Bear River Mutual Insurance Company advertises fewer perks and insurance policies than some of its competitors. The website also lacks detailed information about what its policies cover.

However, the company does list a few other policies you may be interested in considering from Bear River Mutual, which include.

  • Renters insurance
  • RV insurance
  • Dwelling insurance for rental properties

Bear River Mutual corporate sustainability

With its close ties to Utah communities, Bear Mutual and its employees make dedicated efforts to give back to Utah families through charity and fundraising events. Some organizations and events Bear Mutual has partnered with include Red Cross Blood Drives, Utah Food Bank Drives, Toys for Tots and the Salvation Army Angel Tree program.

Not sure if Bear River Mutual is right for you? Consider these alternatives

If you are in the market for home or auto insurance in Utah and looking to compare quotes from more than one insurer, here are some other providers to consider that are comparable to Bear River Mutual:
 
Electric Insurance: Electric Insurance offers similar coverage types to Bear River, like home, auto, renters and umbrella insurance. However, Electric Insurance is available nationwide and you can get quotes online.
GAINSCO: GAINSCO is a smaller insurance company that sells auto policies in Utah and other states with a focus on personalized customer service. High-risk drivers may find this provider especially worthy of consideration.
National General: National General offers robust home and auto insurance policies, with many discounts listed on its site for savings on premiums.
 

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits:

Auto

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

Age: Rates were calculated by evaluating our base profile with the age 16 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket and a single at-fault accident.

Homeowners

  • Coverage A, Dwelling: $150,000, $250,000, $350,000, $450,000
  • Coverage B, Other Structures: $15,000, $25,000, $35,000, $45,000
  • Coverage C, Personal Property: $75,000, $125,000, $175,000, $225,000
  • Coverage D, Loss of Use: $30,000, $50,000, $70,000, $90,000
  • Coverage E, Liability: $300,000
  • Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Bankrate Scores

Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers and homeowners to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.

To determine how well the best car and home insurance companies satisfy these priorities, third-party agency ratings from J.D. PowerAM BestS&PNAIC, and Moody’s had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers and homeowners, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry, as well as 40-year-old male and female homeowners with $250,000 in dwelling coverage. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers and homeowners may compare each provider.

While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.

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