Mountain Laurel Assurance Car Insurance Review

Mountain Laurel Assurance car insurance reviews reveal the company is a subsidiary of Progressive Direct Holdings. It sells auto insurance for private customers as well as commercial auto insurance. About 60 percent of its business comes from independent agents. Compare Mountain Laurel Assurance car insurance rates with other top car insurance companies with our free tool below.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Oct 22, 2020

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Mountain Laurel Assurance Summary
Mountain Laurel Assurance FactsSource
Licensed in and operates in Pennsylvaniausacoverage.com
It has over 30,000 independent agentsusacoverage.com
Independent agents account for about 60% of its businessusacoverage.com
Progressive Direct Holdings Inc. subsidizes MTN Laurelusacoverage.com
It accrued $14,563,600 million in sales in 2009usacoverage.com
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We understand that finding the right insurance provider can be an arduous process. Researching every insurance company to see if they’re right for you can take hours. That’s why we wrote this Mountian Laurel Assurance car insurance review.

We’ll go through every detail about Mountain Laurel Assurance Company so you can see if it’s the right company for you. Get the cheap car insurance 101 here in this guide!

Before jumping into this Mountain Laurel Assurance review, you can type in your ZIP code above to find cheap car insurance quotes in your area.

Table of Contents

Mountain Laurel Assurance Car Insurance Rates

Progressive Direct Holdings, Inc. owns Mountain Insurance Company. It sells auto insurance for private customers as well as commercial auto insurance.

What is Mountain Laurel Assurance’s availability by state?

Mtn Laurel associates primarily do business in two states: Tennessee and Pennsylvania. As of this writing, it is licensed to do business in Mississippi, Ohio, Pennsylvania, and Tennessee.

Tennessee seems to be the primary state for Mountain Laurel Assurance Company. Nashville and Knoxville, TN residents should be especially affected, as these are two of the largest cities.

In 2006, its assets were recorded at $19.5 billion and its revenue was $14.8 billion for that same year. In 2005, 85 percent of its premiums written came from Tennessee and the rest came from Pennsylvania.

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Mountain Laurel Assurance Car Insurance Coverages Offered

This company sells auto insurance specifically for automobiles, motorcycles, and recreational vehicles (RVs). Mountain Laurel’s independent agents sell these coverages through phone and internet direct sales. Furthermore, some of these independent agents also write business for Progressive Direct, hence the commercial aspect of Mountain Laurel.

While rates are not readily available for Mountain Laurel, we can look at averages for the coverage types they offer in the states in which they offer them to get a decent idea of what you might pay.

Because they are currently only operating in Pennsylvania and Tennessee, the next table will cover only those two states. Let’s begin with liability insurance.

Average Annual Liability Car Insurance Rates in TN and PA
StatesAverage Liability Rates
in 2015
Average Liability Rates
in 2014
Average Liability Rates
in 2013
Average Liability Rates
in 2012
Average Liability Rates
in 2011
Average Annual Liability Rates
Tennessee $413.91$409.79$400.64$387.40$376.90$397.73
Pennsylvania$499.06$496.87$497.28$495.22$486.66$495.02
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Now let’s take a look at the average annual collision coverage rates in both states.

Average Annual Collision Car Insurance Rates in TN and PA
StatesAverage Collision Rates
in 2015
Average Collision Rates
in 2014
Average Collision Rates
in 2013
Average Collision Rates
in 2012
Average Collision Rates
in 2011
Average Annual Collision Rates
Tennessee$309.07$301.17$292.01$280.82$268.90$290.39
Pennsylvania $327.24$315.28$301.49$296.33$296.23$307.31
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Lastly, this next table will show comprehensive coverage averages for Pennsylvania and Tennessee.

Average Annual Comprehensive Car Insurance Rates in TN and PA
StatesAverage Comprehensive Rates
in 2015
Average Comprehensive Rates
in 2014
Average Comprehensive Rates
in 2013
Average Comprehensive Rates
in 2012
Average Comprehensive Rates
in 2011
Average Annual Comprehensive Rates
Pennsylvania$144.21$138.27$131.71$124.28$121.57$132.01
Tennessee $148.45$144.60$136.73$126.31$122.03$135.62
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Keep reading, next we’ll go over bundling options.

What are Mountain Laurel Assurance’s bundling options?

While Mountain Laurel itself does not have a website, Progressive’s subsidiary, Progressive Direct, does. Progressive offers any number of bundling options, and this extends to Progressive Direct’s auto, fire, marine, and casualty policies.

Let’s take a look at some details on Progressive Direct before we continue.

Progressive Direct Holdings, Inc. Overview
Progressive Direct Key FactsCompany Detail
Sub-industry P&C Insurance
Founded 9/29/1986
Address6300 Wilson Mills Road
Mayfield Village, OH 44143
Phone number 1-800-776-4737
Website www.progressive.com
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If you go with Mountain Laurel Assurance, chances are the insurance agent will try to upsell you on a bundling option. If they don’t mention it, be sure to ask about the multi-policy discount that Progressive offers.

Not only can you bundle home and auto, you can also tack on RV coverage, boat coverage, motorcycle coverage, renters insurance, etc. Furthermore, you can bundle just two of the aforementioned coverages, such as a motorcycle and boat bundle, without having home and auto.

What are discounts offered by Mountain Laurel Assurance?

The simplest way to save with Progressive Direct, and by extension Mountain Laurel, is to have multiple policies. Progressive offers a 5 percent discount for having multiple policies on file. A great way to save even more is to have multiple cars on your policy. This can net you a 12 percent discount.

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What programs are available from Mountain Laurel Assurance?

The most prevalent Progressive program is called Snapshot. Ask your Mountain Laurel insurance agent about this discount that saves, on average, $145. This program personalizes car insurance rates based on a person’s driving record, which encourages Progressive customers to drive safely.

Here’s a video further explaining Progressive Snapshot.

Now, what if you need to cancel your policy?

Canceling Your Mountain Laurel Assurance Car Insurance Policy

Canceling your Mountain Laurel policy cannot be done online. It would be best to speak with your assigned agent or call Progressive’s cancellation line at 1-866-416-2003.

Is there a cancellation fee?

Progressive does not charge a fee to cancel a policy. However, this can vary by state so be sure to discuss this with your assigned representative.

Is there a refund?

If you should choose to cancel, you’ll get an MTN Laurel assc refund for any money you paid in advance.

How do you cancel?

Because you can’t cancel your policy online, you’ll have to call the MTN laurel assc phone number at 1-866-416-2003. The cancellation can be set for a future date or it can go into effect immediately.

When can I cancel?

You can cancel your policy over the phone at any time, just make sure you have another policy in place when you do so.

Now, let’s move on to discuss filing a claim with Mountain Laurel Assurance Company.

How to Make a Mountain Laurel Assurance Car Insurance Claim

As a policyholder, you can access your account on Progressive’s website and report or view a claim after signing in. It’s as simple as that.

Now, let’s move on to Mountain Laurel Assurance’s ratings.

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Mountain Laurel Assurance: Car Insurance Ratings

Mountain Laurel Assurance company reviews show that this car insurance company doesn’t have many complaints against it. As part of a larger insurance group, Progressive Insurance Group, Mountain Laurel Assurance appears to be highly financially solvent.

Although the Better Business Bureau (BBB) doesn’t have a rating for Mountain Laurel Assurance, if you look this company up with the BBB, you’ll find zero customer complaints. If you’re curious about how things work at the BBB, check out the video below, which explains what happens when you file a complaint.

The fact that Mountain Laurel Assurance hasn’t been rated by the BBB doesn’t necessarily mean that it’s a bad company. Since there are no customer complaints, we can extrapolate that its policyholders are relatively satisfied.

Progressive Insurance Group, Mountain Laurel Assurance’s parent company, has been rated by J.D. Power and Associates, which ranks companies based on customer satisfaction. Progressive Insurance Group scored about average on J.D. Power’s ratings for:

  1. Overall Satisfaction
  2. Policy Offerings
  3. Pricing
  4. Billing and Payment
  5. Contacting the Insurer

The credit rating agency Fitch has also rated Progressive Insurance Group and its holdings, giving the company a grade of A+ for its creditworthiness. It’s also easy to find Progressive car insurance reviews.

A company’s creditworthiness is an expression of its financial stability. In the case of an insurance company, an A+ grade from Fitch means that Progressive and its holdings should have no difficulty meeting its financial obligations now or in the immediate future. This is good to know, as you want your insurer to be able to pay out any claims you may have to file.

Now you know there aren’t any serious complaints against Mountain Laurel Assurance and that its parent company is in good financial standing, but you’ll still want to do a comparison search of several other companies.

It’s never a good idea to purchase insurance from the first company you look into without seeking cheap car insurance quotes from other insurance companies.

Several factors can help you find low car insurance rates. As we mentioned briefly before, some car insurance companies will offer you a discount if you bundle policies or insure more than one vehicle on the same policy.

Some companies will provide cheap auto insurance to people who don’t drive very much through a low-mileage discount. Whatever the reason, the best way to find lower car insurance rates is to compare quotes through our comparison website.

Remember, car insurance rates care based on a lot of personal factors and people have different needs when it comes to an insurance policy. For this reason, everyone should compare quotes from several auto insurance companies. Find affordable car insurance and save by entering your ZIP code to compare car insurance companies today.

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The Bottom Line

Mountain Laurel Assurance is a subsidiary of Progressive, and that means the company is in good financial standing. The fact that there are zero customer complaints with the BBB is another good sign.

If you’re interested in getting more specific information about rates and coverages available from Mountain Laurel Assurance, you should contact one of its agents. You can then compare that information with quotes from other car insurance companies.

Just enter your ZIP code into our search tool to start comparing right now.

Frequently Asked Questions: Mountain Laurel Assurance Review

We hope we’ve answered all your questions, but feel free to check out some common questions about Mountian Laurel Assurance below.

#1 – What is MTN Laurel assc?

Mountain Laurel Assurance is a subsidiary of Progressive Casualty Insurance Company (sometimes shortened to MTN Laurel assc ins prem Progressive). It offers insurance for personal vehicles, property and casualty insurance, and other services.

#2 – Who underwrites Progressive Insurance?

Homesite is Progressive’s primary underwriting partner.

#3 – Why is Progressive so cheap?

Progressive offers relatively affordable car insurance mainly because of its discounts and other tools customers can utilize to get the best rates.

#4 – What is the cheapest car insurance company?

USAA is the cheapest car insurance company, according to cars.usnews.com. However, this company only serves the military/veteran community, so if this does not apply to you, Geico may be your best bet.

#5 – How late can I pay my Progressive bill?

Progressive offers a 10-20 day grace period for late payments.

#6 – How much do Progressive agents make?

According to Indeed, Progressive claims adjusters earn an estimated average salary of $51,447.

#7 – Which insurance company has the highest customer satisfaction?

Erie Insurance and Liberty Mutual tied for first, with Erie having ranked first for four years in a row.

#8 – What are the 10 worst insurance companies?

According to personal injury attorneys Console and Associates, the 10 worst insurance companies are Allstate, Unum, AIG, State Farm, Conseco, WellPoint, Farmers, UnitedHealth, Torchmark, Liberty Mutual.

#9 – Who are the top 5 insurance companies?

The top five insurance companies are Geico, Allstate, Progressive, Auto-Owners Insurance, and Esurance according to CNET.

#10 – Is Progressive or Geico better?

It depends on your personal insurance needs but customers tend to review Geico better than Progressive.

#11 – Who is the largest insurance company in the world?

The largest insurance companies are UnitedHealth Group and AXA.

#12 – Is Progressive owned by Allstate?

No, Progressive and Allstate are two entirely separate companies.

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