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Emasco Auto Insurance Review

Auto insurance is becoming more essential to daily living. Most states and the federal government have passed bills requiring all vehicles to be insured with some type of auto insurance policy. Insurance is not just a requirement but a good investment.

Whether for personal or business use, cheap auto insurance can help to cover injuries, liabilities, medical expenses and even uninsured drivers in the event of an auto accident.

Emasco Auto Insurance Two Cars

This review assesses Emasco Insurance is an Des Moines Iowa, based insurance company that provides personal, business and life insurance products and services. Emasco is owned by the EMC Insurance Group which is owned by the Employer’s Mutual Casualty Group.

Emasco Auto Insurance Classic CarAbout Emasco Insurance

The EMC Insurance Group was founded in 1911 and has over 16 locations and 2,000 employees. Emasco Insurance is based in DesMoines, Iowa and provides personal, life and business insurance to clients in the Iowa state area. In addition to homeowners insurance and life cover, Emasco also provides auto insurance for motorcycle, car and commercial vehicles with a range of cover options.

In addition to its 2,100 employees, Emasco distributes and sells its insurance products through a network of independent agents in over 40 states. The company believes that its independent network allows for more personalized services and attention to individual client needs.

Emasco Auto Insurance Products

Emasco personal auto insurance provides cover for various scenarios including motorcycle insurance, umbrella excess liability and auto insurance. The company’s auto insurance includes a portfolio of auto insurance options such as:

  • Personal Injury Protection(PIP)
  • Medical Payments
  • Liability Cover
  • Comprehensive and uninsured driver coverage

Other personal auto insurance cover options include auto loan/lease cover, data and electronic equipment cover, optional limits for sound reproduction equipment and transportation expense limits as well.

Qualifying personal auto insurance holders can receive discount offers from Emasco agents such as: multi-car discount, accident-free and combination policy discounts as well as a bonus renewal plan for policy holders who have held their EMC policy for more than 3 years. These policy premium discounts do, however, vary in the different locations where EMC agents are located.

Emasco Business Auto insurance

Emasco Auto Insurance Road

In addition to personal auto insurance, Emasco also provides business auto insurance for commercial clients through a range of products including commercial auto insurance and property liability insurance. Emasco is represented by local agents across 40 states and the Emasco Auto insurance for Businesses covers:

  • Comprehensive and Collision Cover
  • Specified Causes of loss
  • Towing and Labor

Emasco’s business auto insurance also covers supplementary costs such as:

  • Auto medical insurance payments
  • Underinsured and uninsured drivers and motorists
  • No fault personal injury protection (PIP)

How to Contact Emasco Auto Insurance

Emasco Auto insurance can be contacted through their website to find a local agent. The company has independent agents in over 40 states and prospective customers can access the website at to locate a local EMC agent. Policy holders can log into the website to find secure information on their policy that they hold with Emasco, on the company website as well.

Emasco has received an “A-” rating for financial stability from the A.M. Best Company Inc., an independent insurance rating agency. EMC Insurance Group has offices in 16 locations including its headquarters in Des Moines, Iowa.

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