If you’re in the market for car insurance you may be overwhelmed by the number of options out there. Big name insurers like State Farm, Geico, and Progressive dominate the airwaves and your social media feeds. But don’t overlook the car insurance offered by credit unions specifically Mountain America Credit Union.
Mountain America Credit Union has been serving members in Utah, Idaho Arizona and Nevada since 1934. They are Utah’s largest local credit union with over 150 branches and offer a full range of financial services including checking, savings, loans, credit cards, and insurance.
Here are some of the key reasons why Mountain America Credit Union is worth considering for your car insurance needs:
Competitive Rates
As a not-for-profit financial cooperative, Mountain America Credit Union can offer competitive rates on car insurance for its members. They partner with auto insurance carriers to provide coverage options at discounted group rates. Depending on your individual risk profile and coverage needs, MACU may be able to beat the rates from those big national insurance companies.
Always compare quotes from multiple providers when shopping for car insurance. But credit unions like MACU are worth checking out because their rates are often very competitive. The non-profit structure and group purchasing power enable them to pass savings along to members.
Local Service & Support
When you buy car insurance through Mountain America Credit Union, you get the benefit of local service and support. Questions and claims are handled by licensed insurance agents based in Utah, not outsourced to some call center halfway across the country.
MACU insurance agents are members of the communities they serve. They understand the local market and can provide personalized service tailored to your unique needs. If you have an accident or need to file a claim, it’s reassuring to work with a local agent you know and trust.
Dividend Program
One of the nice perks of getting car insurance through MACU is the chance to get money back through their dividend program. Similar to how credit unions pay dividends to members on savings accounts and loans, they also pay dividends on insurance plans.
If you have an auto insurance policy with Mountain America Credit Union and they have a profitable year with lower claims than expected, you may receive a dividend payment. This returns profits back to members rather than boosting corporate stock prices. Dividend payments can reduce your overall insurance costs over time.
Multiple Discounts
Mountain America Credit Union offers a number of auto insurance discounts that can help you save money:
- Multi-policy discount if you bundle home or life insurance
- Multi-vehicle discount if you insure more than one car
- Safe driver discount for accident-free driving
- Good student discount for full-time students with a B average or better
- Defensive driver discount if you complete an approved course
- Low mileage discount for driving fewer than 15,000 miles per year
The more discounts you qualify for, the more you can lower your insurance premium. MACU agents can walk you through all the discounts to maximize your savings.
Added Benefits & Protections
In addition to standard auto insurance coverages like liability, collision, and comprehensive, Mountain America Credit Union policies come with some nice added benefits:
- $0 deductible for windshield repair
- $500 for personal items stolen from your vehicle
- $250 deductible waiver for an accident-free year
- Travel assistance benefits including roadside assistance, lockout service, and trip interruption coverage
- Rental car reimbursement if your vehicle is in the shop after an accident
These extras can provide peace of mind and help cushion the inconveniences associated with auto insurance claims.
Easy Payments & Account Management
Managing your car insurance through Mountain America Credit Union is convenient. You can pay your premium through auto-draft from your MACU checking or savings account. No checks to write or bills to keep track of.
You can also access your policy and account information 24/7 through online banking and MACU’s mobile app. View your bill, adjust your coverage, check claim status, update personal details, and more at any time.
Credit Union Member Benefits
As a policyholder, you become a member of Mountain America Credit Union and unlock all the credit union member benefits. That includes access to low rate loans, high yield savings and CDs, investment services, and over 5,500 shared branches and 30,000 ATMs nationwide.
You may find it beneficial to consolidate more of your finances with MACU. And you can take advantage of the credit union philosophy of people helping people. Member benefits, dividends, and reasonable rates reflect the credit union motto of “not for profit, not for charity, but for service.”
How To Get A Quote
If you want to get a car insurance quote from Mountain America Credit Union, you have a few options:
- Call 844-709-8965 to speak with an insurance agent
- Visit a MACU branch to meet with an agent in person
- Request a quote online at www.macu.com/autoquote
Get quotes from other providers as well so you can make an informed decision. MACU also offers insurance for motorcycles, ATVs, boats, homeowners, and more.
Be sure to ask about all available discounts and get all your coverage questions answered. MACU insurance agents are happy to walk you through the quote process.
Frequently Asked Questions
Here are answers to some common questions about Mountain America Credit Union and their car insurance program:
Do I have to be a MACU member to get insurance?
No, their insurance policies are available to non-members as well. However, you get special discounted rates if you are a MACU member.
Can I manage my policy online?
Yes, through online banking and MACU’s mobile app you can view your bill, update details, file claims, and more 24/7.
Can I pay monthly?
Yes, you can choose monthly auto-drafts from your MACU account to pay for your insurance premiums.
How long does it take to get a quote?
You can get a quick quote online in as little as 5 minutes. Or call and speak with an agent to get a detailed custom quote for your specific needs.
What is the claims process like?
Claims are handled by MACU’s team of local insurance experts to provide personalized service. You can file a claim easily online or over the phone and work directly with a Utah-based claims adjuster.
What insurance companies does MACU partner with?
MACU partners with top-rated national and regional insurance carriers such as Liberty Mutual, Safeco, and Regence to provide coverage options.
The Bottom Line
When shopping for car insurance, don’t just default to the big national brands. Take the time to check rates from Mountain America Credit Union. As a local not-for-profit credit union, they offer competitive pricing, great service, and policy dividends. If you live in Utah, Idaho, Arizona, or Nevada, MACU is an excellent option worth exploring for your auto insurance needs.
