Westfield Car Insurance
3.9
Westfield Car Insurance Information
| Insurify Composite Score | -- | Number of discounts | 14 | Number of reviews | 8 | User Rating | 3.9 | A.M. Best |
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Standard & Poor’s |
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Discounts
The largest discounts from Westfield are: Good Credit Discount, Passive Restraint Discount, Student Away at School Discount
| Discount Type | Discount % |
|---|---|
| Good Credit Discount | up to 47% |
| Passive Restraint Discount | up to 30% |
| Student Away at School Discount | up to 25% |
| Multiple Vehicle Discount | up to 22% |
| Multiple Policy Discount | up to 20% |
| Anti-Theft Device Discount | up to 15% |
| teenSMART Discount | up to 15% |
| Defensive Driver Discount | up to 10% |
| Good Student Discount | up to 7% |
| Anti-lock Brake Discount | up to 5% |
| Company Car Discount | Varies |
| Continuous Coverage Discount | Varies |
| Loyalty Discount | Varies |
| Good Driver Discount | Varies |
Payment Methods
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Automatic Online Payment
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Bank Payment/Direct Deposit
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Credit Card Payment
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Debit Card Payments
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Electronic Check
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Online Payment
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Text Payment
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Phone Payment
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Mail Payment
Features and Services
Westfield's insurance agents are available to help you file a claim 24 hours a day, 7 days a week over the phone or via email.
Westfield customers can also contact roadside assistance 24 hours a day, 7 days a week over the phone.
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Roadside assistance
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24/7 service
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Mobile app
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Flexible / convenient payments
Car Insurance Coverage
Optional Coverage
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Roadside Assistance
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Gap Insurance
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Emergency Assistance Coverage
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New Car Replacement Coverage
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Original Equipment Manufacturer Coverage
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Comprehensive Claim Forgiveness
Westfield Insurance by State
Westfield Insurance Products
Car Insurance
Westfield provides basic personal protection as well as additional insurance coverages for cars, trucks, motorcycles, and RVs.
Available coverages and discounts may vary by state, but will most likely include:
- Bodily injury liability
- Property damage liability
- Roadside assistance: Available 24/7 anywhere in the U.S. and Puerto Rico
- Loan/lease coverage: Covers out-of-pocket expense between your car’s actual cash value and the remaining lease or loan amount, in the event your vehicle is totaled.
- Extended non-owned liability
- Electronic equipment coverage
Westfield customers who bundle their auto and home insurance policies are eligible for the Wespak policy which provides broader coverage than a standard auto insurance policy. Under this policy, the customer will also have additional coverage options such as:
- Loan/lease coverage
- Trip interruption coverage
- Replacement cost coverage
Motorcycle Insurance
Westfield Insurance offers a variety of motorcycle insurance options for both year-round and seasonal riders.
Available coverages and discounts may vary by state, but will most likely include:
- Medical Payments
- Loan/Lease Gap Protection: In the event of a total loss, it pays the difference between the book value of your motorcycle and the amount still owed on your lease or loan.
- Towing & Labor
- Uninsured Motorists Property Damage: Available for licensed motorcycles that don't carry collision coverage.
- Increased Motorcycle Custom Parts or Equipment: Covers motorcycle custom parts or equipment.
- Safety Riding Apparel: Covers safety apparel, like helmets, damaged in an accident.
Home Insurance
Westfield offers a variety of home, renters, and condominium insurance policies to meet your specific situational needs.
Available coverages and discounts may vary by state, but will most likely include:
- Wespak®: A combination policy that offers broad protection for your home and auto. Conveniently has one policy, one deductible, and one bill.
- Wespak Estate®: Combines home and auto insurance. Designed for customers with high-value homes and assets. Includes equipment breakdown coverage. Includes:
- Replacement cost coverage for your dwelling
- Higher water backup limits
- Home equipment breakdown coverage
- Identity theft coverage with identity theft resolution and identity travel assistance services
- Agreed value options for vehicles
- Ability to choose a cash-out option in the event of a total loss
- Roadside assistance coverage
- Estatepak®: Offers the home insurance coverage of the Wespak Estate, but without the car insurance portion for those who don’t own a car or wish to insure it with a different insurance company.
- Apartments and Condos: Personal property and liability to protect your belongings.
- Umbrella Policy: Provides more liability protection than your auto or home insurance policies.
Boat Insurance
Westfield offers boat insurance as a stand-alone or an added policy to their homeowners or Wespak customers. Westfield may only insure boats up to 50 feet in length.
Available coverages and discounts may vary by state, but will most likely include:
- Personal property and unattached equipment, including fishing equipment
- Cost to recover property in the event of sinking/stranding
- Up to $500 towing/emergency assistance
- Up to $50,000 for any newly acquired replacement or additional boat, motor or trailer
- Boat owner liability and medical expense
- Fuel spill liability protection
- Up to $2,500 for auxiliary watercraft
Additional Westfield boat insurance coverages include:
- Increased limits for personal property, unattached equipment, and auxiliary watercraft
- Coverage extension for up to 15 miles from shore in coastal waters
- Up to $500,000 for bodily injury to a covered person caused by the owner or operator of an uninsured boat.
- Watercraft Enhancement Endorsement (for boats 26 feet or over)
Business Insurance
Westfield offers a variety of insurance products for small, mid-sized, and large businesses.
Small businesses include offices, apartments, retail stores, wholesalers, contractors, hotels, and restaurants.
Available coverages and discounts may vary by state, but will most likely include:
- Property
- Liability
- Business Auto
- Workers' Compensation
- Umbrella
- Surety Bonds
- Loss Control
- Risk Assessment and more
Westfield offers additional business insurance options, including:
- Equipment Breakdown
- Data Compromise
- Employment Practices Liability
- Workers' Compensation
Westfield insurance also offers signature insurance policy packages for specialized industries, including:
- Contractors:
- Automatic status for select additional insureds
- Employee tools coverage
- Incidental medical malpractice
- Knowledge and notice of an occurrence
- Waiver of subrogation
- Distributors:
- Damage to your computers, belonging to others, property while being transported by carriers you hire
- Service charges from the fire department
- Trailers you own that are not permanently attached to your vehicles
- Water damage you are legally liable for
- Health Care:
- Automatic external defibrillator
- Communicable diseases
- Medical hazardous waste and radioactive cleanup
- Mobile medical equipment
- Personal effects owned by you or your officers, partners or members, managers, employees, directors or trustees, staff, doctors, nurses, medical faculty members, interns, student nurses, admitted patients, or residents
- Medical Office
- Medical Diagnostic Lab
- Outpatient Care Center
- Hospitality
- Golf:
- Damage to your customers' cars
- Damage caused by an errant golf ball
- Golf carts, grounds maintenance equipment, lawnmowers, etc.
- Putting greens, fairways, tee boxes and rough
- Food contamination
- Lost master key and key card coverage
- Hotel:
- Customer inconvenience remuneration expense
- Coverage for your guests' property
- Delivery errors and omissions
- Service errors and omissions
- Equipment breakdown coverage (if eligible)
- Credit card invoices
- Lost master key and key card coverage
- Employee injuries
- Restaurant:
- Automatic seasonal increase in coverage, for your restaurant's busiest times of the year
- Coverage for the fine arts that help make your atmosphere so inviting to diners
- Food contamination and spoilage
- Fire extinguisher system recharge, so they are always ready to go
- Equipment breakdown coverage (if eligible) for larger kitchen equipment
- Credit card invoices
- Employee injuries
- Interruption of computer operations
- Service errors and omissions
- Property outside your restaurant, such as signs
- Repairs to glass on cars parked at your restaurant
- Damage to cars you hire for service
- Golf:
- Manufacturing:
- Contingent transit
- Manufacturers consequential loss assumption
- Employee tools coverage
- Pollutant cleanup and removal
- Salespersons samples
- Manufacturers selling price (finished stock only)
- Patterns, molds or dies
- Extra expense
- Real Estate:
- Additional Expense to Regain Customers
- Business Income – Extended Period of Indemnity
- Business Income – Tenant Move Back Expense
- Real Estate Tax Assessment
- Utility Services with Overhead Lines
Farm Insurance
Westfield Insurance offers a variety of farm, horse farm, commercial agribusiness, and vineyard/winery insurance packages.
Westfield Insurance currently serves a large range of farm businesses including animal aquaculture, beef cattle ranching, crop harvesting, and many more.
Available coverages and discounts may vary by state, but will most likely include:
- Farm Property Coverages: Includes property coverages for your dwelling and household personal property, farm personal property including barns, stables, silos, equipment, and other structures
- Farm Liability Coverage: Protects you from injury and property damage, medical payments, advertising injury and farm pollution.
- Comfort Coverage:
- Ordinance or law
- Borrowed farm machinery
- Livestock insurance
- Private power and light poles
- TV antennas, towers and satellite dishes
- Property Optional Coverage: Increase the amount of property coverage your farm insurance program provides with:
- High-value home endorsement
- Expanded replacement cost for dwellings
- Coverage for special causes of loss on household personal property
- Backup of sewers, sump pumps, and drains
- Scheduled and unscheduled farm personal property
- Borrowed farm machinery - additional limits
- Coverage for farm personal property during peak season
- Reproductive materials coverage
- Spoilage coverage
- Suffocation of poultry and livestock
- Outbuilding coverage available on a blanket basis
- Replacement coverage on barns, outbuildings and confinement structures
- Farm earnings and extra expense
- Earthquake
- Expanded property coverage endorsement
- Equine expanded coverage endorsement
- Recreational vehicles
- Theft of building materials
- Liability Optional Coverages: Extend your liability coverage to include exposures specific to your farm, including:
- Custom farming
- Business activities
- Animal care, custody, and control
- Equine activities
- Recreational vehicles
- Employers liability
FAQs - Westfield Car Insurance
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Company History
Westfield Insurance was founded in Westfield Center, Ohio in 1848 and provides personal, commercial, and agribusiness insurance across the United States.
Westfield Insurance products are offered through Ohio Farmers Insurance Company, Westfield Insurance Company, Westfield National Insurance Company, American Select Insurance Company, and Old Guard Insurance.
Westfield Insurance offers all of its insurance line products in Illinois, Indiana, Kentucky, Michigan, Ohio, Pennsylvania, Tennessee, West Virginia, and Wisconsin.
Westfield is one of the nation’s 50 largest property and casualty insurance groups, partnering with more than 900 independent insurance agents.
Westfield Reviews
Most Positive Review
I have been with them for almost a year and they kept there word on saying my insurance would not go up for a whole year and it hasn't! Only insurance company that called me back right away when I needed anything
Most Critical Review
February 7, 2018
Its not affordable. Too much with home owners. Especially when house is not worth the amount your insured for. 457.00 per month with car insurance is not working for my budget. Michigan Insurance was only 700 yearly for home owners insurance. May work for some but been looking for cheaper rates and makes more sense with the value of my home.
January 31, 2018