Why Bear River Mutual?

Bear River Mutual has a reputation for being one of the best Auto Insurance companies in Utah and throughout the country. In fact, it made Ward’s Top 50 P&C Insurance companies for 5 years straight. While it is an honor to be listed among so many top auto insurance companies, nothing matters more to Bear River Mutual than the reviews received directly from members and clients. Knowing that local families have coverage that will keep them protected is always a top priority. With agents in Provo, Payson, and Eagle Mountain, you’ll always have a Bear River Mutual Insurance agent nearby!


Bear River Mutual Insurance Reviews – What Our Clients Say:

“Karen was absolutely amazing and super helpful! She went through every detail of my rate to ensure I was getting exactly what I wanted. She was very knowledgeable and quick to answer any questions I had. My experience so far with bear river insurance has been so great. My family has been with them for years and they are always so quick to respond and help in every situation. I highly recommend getting a quote! Especially with such friendly and awesome agents like Karen!”

Reviewer: Nicole Hermansen
Rating: 5/5 ⭐⭐⭐⭐⭐
Read more of our 500+ reviews on Google!

Call us today at 801-852-5555 or send us a quote form to get started.

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Bear River Mutual® Insurance Agent of Utah

Bear River Mutual Insurance ReviewsTop Rated Bear River Mutual Insurance got it’s start in 1909 in Northern Utah. Farmers soon recognized they needed protection against potential damages to their farms, so they formed a mutual company where they could pool their money into a collective account. This strategy proved to be less expensive than other insurance companies in Utah at that time and still holds true today.

These founding farmers realized that they could trust each other to help insure their farms because they shared similar values and high standards. Only those who shared their high values could join the mutual fund. Trust, honesty, integrity, and hard work governed the policies and execution of benefits. Bear River Mutual operates in the same manner today.

Why Are Bear River’s Rates So Affordable?

Bear River is able to keep their rates so low for a few important reasons. First, since it’s a locally owned mutual fund in Utah only, it’s tied to our strong economy and environment. Policyholders don’t have to pay extra for disasters common to other states. Next, policyholders are actual owners of the mutual fund instead of stakeholders or investors. So as a policyholder, you’ll reap the benefits instead of them. Finally, Bear River Mutual adheres to the strict acceptance values upon which the company was founded. This means you’re in good company with other safe, responsible, hard-working drivers like yourself. Higher standards means fewer accidents, fewer payouts, and therefore lower premiums.

What Is A Mutual Company?

A mutual company is one where premiums are pooled into a central fund to cover any claims. Benjamin Franklin actually started the first mutual insurance company in 1752 called the Philadelphia Contributionship (Fire Insurance Company of America). Acceptance into their policies was strict back then, too, with surveyors deployed to assess properties, building materials, workmanship, safety measures, and risks.

Today, mutual insurance funds operate similarly. Bear River Mutual keeps its overhead low and passes on positive earnings to their policyholders through low insurance rates. Also, since they’re local, great emphasis is placed on excellent customer service and accountability.

As an authorized Bear River Mutual Insurance agency, we can help see if you qualify for coverage. They’re pretty strict about their policies, but that’s exactly what keeps costs low and service premium.

Call us today at 801-852-5555 or send us a quote form to get started.

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Benefits of Mutual Insurance Companies

Why should you choose a top-rated mutual insurance company? As we mentioned, with a mutual company, policyholders are co-owners of the firm. Because of this, members benefit from premium rates that are lower than those of comparable stock insurance companies because mutual insurance companies don’t have to worry about shareholder returns. This allows mutual insurance companies to focus on their members and keep rates as low as possible. Lower rates and no shareholder pressure typically results in happier members. If you’re looking for an auto, home, or renters insurance agent, call Keystone Insurance Services to get a Bear River Mutal quote today!