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Auto Insurance Discounts Offered by Hastings Mutual

Here's what you need to know...
  • offers the standard car insurance options, as well as several unique protection choices
  • They offer insurance for your pet while riding in your vehicle
  • There are many ways to save money on your car insurance. One of these ways is to find discounts. Hastings Mutual offers several discounts that may apply to you

Hastings Mutual Insurance is one of the unique car insurance companies in the industry. This insurance company provides traditional coverage with some additional benefits that not all car insurance companies add on.

There are a variety of car insurance discounts from Hastings Mutual available to those who carry a car insurance policy with the company.

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Hastings Mutual began in 1885 as Michigan Mutual Tornado, Cyclone, and Windstorm Company. It has worked tirelessly ever since to provide a variety of coverage options to clients, including car insurance.

The company now operates in Michigan, Wisconsin, Iowa, Illinois, Indiana, and Ohio, with millions of dollars in capital.

Unique Policy Options from Hastings Mutual


As stated above, Hastings Mutual offers many different types of additions to insurance. These additions are not always offered by other insurance companies.

The first additional coverage option is Travel Interruption. It covers expenses if you are more than 100 miles from home and you experience an accident or another incident that is a covered loss. These expenses that are covered include a rental car and a hotel room coverage.

Another additional coverage option available is Auto Lease Coverage. If you lease a vehicle and get comprehensive coverage on it, the amount you still owe on the lease will be covered in the event of a total loss.

Many people get this coverage for vehicles they purchase, but not on a lease. This makes the coverage unique.

As more and more vehicles are equipped with GPS systems that come standard or as an added feature, the insurance industry has had to make some additional coverage options for customers to protect them. This is why Hastings Mutual offers Theft of a GPS System coverage.

Pet Policy Options from Hastings Mutual


Most people do not associate pet insurance with car insurance, but Hastings Mutual has come up with a way to combine protection for the pet you love and the vehicle you need. The first coverage option is Pet Injury Coverage.

Pet Injury Coverage provides money for the veterinary expenses if your cat or dog is injured in a car accident.

In the event that the accident is worse and your cat or dog dies in the accident, Hastings Mutual has a Pet Accidental Death Benefit. This is a preset coverage, meaning that it pays the set amount of $250 towards the purchase of another pet.

This is not something many people want to think about, but if your pet rides in the car with you a lot or you paid a lot for your pet, this may be the coverage for you.

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Discount Options from Hastings Mutual

Most people are looking for any way that they can to save money. Car insurance is one of those things you just should not live without, even when finances are tight.

Not only because of the legal ramifications, but also because of the financial ramifications that can accompany a car accident and injuries.

Although you shouldn’t go without car insurance, you can look for insurance companies that provide discounts on car insurance, such as Hastings Mutual.

Getting discounts on car insurance is different than purchasing discounted car insurance. Discounted car insurance often does not provide the amount of coverage needed to protect assets, making it costly in the end should you cause an accident.

The discounts offered through Hastings Mutual can be applied directly to the policy itself. Some of these discounts include:

  • Multi-policy discount – This is for those who purchase more than just car insurance through Hastings.
  • Student discount – This is available to those who are in college full-time. Proof of enrollment must be presented every semester in order to qualify for the student discount.
  • Good student discount – For high school students, car insurance can be very costly. One way to reduce the expense is to qualify for the good grade student discount. Those who maintain a “B” or higher average each quarter receive this discount.
  • Anti-theft discount – Having anti-theft devices on your vehicle and taking a defensive driving course are also ways to become eligible for a car insurance discount from Hastings Mutual.

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