InsuredBetter's Central Illinois Mutual Insurance Company (CIMICO) Score
1 Star
We award Central Illinois Mutual Insurance Company (CIMICO) a final rating of one out of five stars. The carrier has been in the insurance industry for more than a century and has a high rating from the Better Business Bureau (BBB). However, it's not accredited by the BBB or rated by AM Best. The company is reinsured with Grinnell Mutual Reinsurance Company of Grinnell, IA, which is rated “A” or "excellent" by AM Best, though.
Founded in 1892, Central Illinois Mutual Insurance Company is the largest mutual provider of farm insurance in the state of Illinois. The insurance company also offers personal coverages like homeowners insurance and tenant insurance.
CIMICO does not provide much information about its coverages, discounts, or claims processes. It's also virtually impossible to find any customer feedback about the carrier's coverage or customer service.
Overall, with such limited information presented by the company, we're forced to recommend working with an independent insurance agent to survey your other options for a new trusted carrier. You may want to skip looking into Central Illinois Mutual Insurance Company altogether.
CIMICO Pros and Cons:
| Pros: | Cons: |
|---|---|
Longstanding carrier, founded in 1892
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Not rated by AM Best
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Offers personal insurance coverages
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Not a BBB-accredited company
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Rated “A+” (excellent) by the Better Business Bureau (BBB)
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Coverage is only available in Illinois
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No discount information
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No specific coverage information without contacting an agent
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CIMICO Insurance Products by Type
Here's a look at the insurance products offered by CIMICO.
Home & Property Insurance:
- Homeowners insurance
- Farm insurance
- Rental dwelling insurance
- Tenant insurance
CIMICO Homeowners Insurance Average Prices
CIMICO does not make its average homeowners insurance rates readily available online without requesting a quote. However, an independent insurance agent can help you find specific quotes for the exact amount of home insurance you need and also compare quotes from multiple carriers for you. You can get a better idea of how much a home insurance policy might cost you by using our homeowners insurance calculator.
What Discounts Does CIMICO Offer?
CIMICO lists the following discounts available for customers.
Homeowners Insurance Discounts:
- Newer home discounts
- Brick home discounts
- Good claims experience discounts
CIMICO does not provide further details about how to qualify for these discounts or how much they'll save you on your coverage. For more information about CIMICO's discounts, work with an independent insurance agent. Independent insurance agents work hard to get you the most affordable coverage.
CIMICO Customer Service
Here's a breakdown of CIMICO's customer service options and availability.
- Phone
- Snail mail
- Customers are encouraged to contact their agents first
- Phone customer service department hours are not specified
| Days | Hours |
| NOT SPECIFIED | NOT SPECIFIED |
To ensure a great customer service experience, work together with an independent insurance agent. Independent insurance agents can help handle claims and other matters for you, so you can relax and enjoy your coverage.
Central Illinois Mutual Insurance Company FAQs
What is CIMICO's average claim response time frame?
CIMICO does not offer a claims response time frame.
What is CIMICO's customer service availability?
CIMICO encourages customers to contact their agents for all customer service and claims inquiries. The carrier does provide phone and snail mail contact options, but does not specify its phone availability.
What is CIMICO's claims process?
CIMICO does not detail its claims process beyond how to file. Customers can receive further assistance with the claims process from their independent insurance agents.
Does CIMICO create a user-friendly experience for customers?
CIMICO's official website leaves much to be desired. It's not the most intuitive layout, creating some difficulty in finding information. Not much detail is provided about the carrier's coverage, discounts, or claims processing. The carrier also has fewer customer service options than many. Overall, CIMICO provides a subpar user-friendly experience.
Does CIMICO have good farm insurance?
CIMICO does not provide much information about its coverage without contacting an agent first. The carrier states that it offers liability coverage for farms. An agent can help you find more information.
Is CIMICO a good insurance company?
CIMICO has been around for more than a century and has a high rating from the BBB. However, the carrier is not accredited by the BBB. The carrier is also not rated by AM Best, and it's virtually impossible to find any customer reviews. So, it's difficult for us to rule CIMICO as a good insurance company at this time.
Who are CIMICO's insurance products right for?
CIMICO's insurance products may be right for individuals seeking home, property, or farm insurance in the state of Illinois. However, interested customers will have to obtain more information with the help of an independent insurance agent.
Sources
https://cimico.net/
https://www.bbb.org/us/il/villa-grove/profile/insurance-services-office/central-illinois-mutual-insurance-company-0734-310078216
