Mountain Laurel Assurance Car Insurance Review

Mountain Laurel Assurance Company is a subsidiary of Progressive Direct, with headquarters in Cleveland, Ohio. The regional car insurance provider operates in Ohio, Pennsylvania, Tennessee, and Mississippi. 

The company is a small business with several hundred employees. Its partnership with Progressive gives Mountain Laurel Assurance the resources of thousands of independent agents and considerable financial strength.

What is the Mountain Laurel Assurance Company?

Mountain Laurel Assurance Company began selling insurance in Pennsylvania in 1990. After moving its operations to Ohio in 2005, the company became a wholly-owned subsidiary of Progressive Direct Holdings, Inc. Mountain Laurel Assurance offers insurance for personal cars, commercial cars, trucks, motorcycles, and recreational vehicles.

Mountain Laurel Assurance uses telephone and internet services to interact with customers as a direct sales insurance company. Utilizing independent agents in its region of operation gives Mountain Laurel the ability to connect with consumers personally.  

Several company agents also sell Progressive policies, helping Mountain Laurel Assurance maintain a strong relationship with its parent company. Any check of a Progressive car insurance review reveals a long history of affordable car insurance and driver discounts nationwide. The strength of Mountain Laurel lies in its ownership by Progressive.

Mountain Laurel Assurance Company does not host a unique website, so you’ll have to find the provider through an online search of Progressive’s regional commercial insurance division. Mountain Laurel Assurance Company has a physical address in Ohio and a local phone number.

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What coverages does Mountain Laurel auto insurance offer?

Mountain Laurel Assurance sells car insurance directly to consumers through its relationship with Progressive Direct. Mountain Laurel’s independent agents sell personal and commercial policies to cover cars, trucks, motorcycles, and RVs.

It isn’t easy to get car insurance quotes for Mountain Laurel Assurance without a dedicated website. Contacting Mountain Laurel’s parent company will likely be your best option, as Progressive does offer instant quotes online or over the phone.

The same holds for determining the car insurance options Mountain Laurel offers. If you have car insurance questions, you can reach out to a Progressive agent. Progressive Direct offers liability, collision, and comprehensive coverage packages as a nationwide auto insurance provider and features several discounts and add-ons.

Read more: Main Difference Between Commercial and Private Car Insurance

Which Mountain Laurel car insurance discounts are offered through Progressive?

As a Mountain Laurel Assurance policyholder, you have access to several available car insurance discounts. Let’s look at the ways to save money on car insurance with Mountain Laurel Assurance.

Bundling Discounts

If you have two or more policies with Progressive, you can save money. When you combine your car insurance with a policy covering your motorcycle, RV, truck, or anything else Progressive covers, you will see savings on your bill. The most significant discounts come when you bundle your homeowners and car insurance policies.

If you add a second vehicle to your Mountain Laurel car insurance policy, Progressive will offer you a discount. You can also save money by switching to Progressive from another provider. Progressive will honor the time you spent with your previous insurance company by offering a discount based on how long you were continuously insured.

Driving Discounts

Mountain Laurel Assurance offers discounts for safe driving through Progressive’s Snapshot program, which evaluates your driving habits and assigns you a safe driving score.

Student drivers can save money on car insurance by consistently getting good grades. Parents of full-time students can save money while the kids are away at school. If your student lives more than 100 miles away and doesn’t drive their car, you can save on your Mountain Laurel car insurance.

Paperless Discounts

While Mountain Laurel Assurance doesn’t have a website, you can still benefit from using Progressive’s online presence. If you get a car insurance quote online or over the phone, you can receive a discount on your car insurance with Mountain Laurel. 

Progressive offers a discount when you sign your policy documents online as a reward for saving paper. As a policyholder, you can continue to save money by receiving documents and processing your policy online.

Policyholders who pay for their policy in full receive a discount. If that doesn’t work for your budget, you can also save money on car insurance with Mountain Laurel by setting up automatic payments.

Canceling Your Mtn. Laurel Assc. Car Insurance Policy

Unfortunately, you cannot cancel your car insurance policy with Mountain Laurel online. Depending on where you live, you can use the Progressive website for cancellation. 

If you live near the Cleveland, Ohio, office, you may be able to get a local agent on the phone. Otherwise, your best option is to reach out to your assigned agent. You can also call Progressive’s cancellation number.

You should be able to schedule your cancellation to take effect immediately or later. Remember to have a new policy before you cancel so you don’t have a lapse in coverage.

In general, Progressive does not charge a fee for cancellation, but this can vary by state. Ask your agent before you cancel. When you call, ask for any possible refunds that may be due.

How to File a Claim With Mountain Laurel Assurance Car Insurance

Filing a claim with Mountain Laurel follows a pattern similar to cancellation. You cannot access your policy through a Mountain Laurel website, but you can find help with Progressive.

As a policyholder, you can sign in to Progressive’s website and report a claim. You can also view the status of your claim, call your agent directly, or contact Progressive to start the claims process.

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Mountain Laurel Assurance Auto Insurance Ratings

Since Mountain Laurel Assurance is not a stand-alone company, it doesn’t usually get reviews from industry watchdogs. The best way to understand how well the company does business is from the ratings of Progressive Direct.

The Better Business Bureau does not accredit or rate Mountain Laurel nor Progressive, but they have several complaints and bad reviews. These ratings are expected with a company as large as Progressive and don’t necessarily reflect customer attitudes towards Mountain Laurel Assurance.

J.D. Power and Associates considers Progressive average in overall satisfaction, pricing, and product offerings.

Credit rating agency Fitch scores Progressive Insurance Group an A+ for creditworthiness, an evaluation of the company’s financial stability. Progressive’s Standard and Poor (S&P) review is also favorable, rating Progressive as very good in financial strength.

Credit reviewer A.M. Best gives Progressive an A+ — or superior — in financial stability. These high marks for creditworthiness are essential for handling claims and fulfilling obligations to customers. You certainly want confidence that your insurance provider has the funds necessary to process your claim adequately.

A Final Word on Mountain Laurel Assurance Car Insurance

Being owned by Progressive has its advantages, and consequently, Mountain Laurel enjoys financial stability and considerable resources. It is not easy to interact with Mountain Laurel online, but Progressive has plenty of available points of contact.

As a Mountain Laurel Assurance policyholder, you will have access to an independent agent, plenty of discounts, and the security of a nationwide company protecting your property. If you live in a region covered by Mountain Laurel Assurance, you may find car insurance to fit your needs.

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