Carrier Spotlight: Pioneer Insurance


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Pioneer State Mutual Insurance Company:

is a property-casualty insurance carrier specializing in coverages for individuals and businesses. They market their products through the Independent Insurance Agency System and currently only write in the state of Michigan, providing best in class service for their agents and policyholders while maintaining a satisfied, highly motivated workforce and a sound financial base.


Since 1908, Pioneer State Mutual and its network of Independent Insurance Agents have been dedicated to serving their policyholders with compassion, integrity, and excellence in order to create peace of mind, one decision at a time.


Today, they offer a wide array of insurance options including Auto, Home, Farm, Mobile Home, Renters, and Commercial Insurance policies, all expertly tailored to your specific needs.


Pioneer State Mutual is an excellent choice in auto insurer if you live in Michigan. They're a top-rated BBB company with affordable rates and 24/7 claims services. Online policy management is easy with their online services portal and convenient app.


Additional Pioneer Insurance coverage options

Pioneer State Mutual's auto policies include all the basics plus add-ons such as are available:

Roadside Assistance:

Offers towing and other services for when your car breaks down on the side of the road.


Extended Transportation Expense Coverage:

Covers additional expenses for renting a car when yours is being repaired.


New Car Replacement:

If your car is totaled in an accident and is a newer model car, Pioneer State Mutual replaces it.


Pioneer Insurance standard Coverage options

Property Damage Liability Coverage:

Covers the costs incurred from damaging another person’s property.


Bodily Injury Liability Coverage:

This pays for the damages if the insured is deemed responsible for injuries or death to another individual.


Medical Expenses:

Pays for medical expenses resulting in injuries caused to your passengers or driver of the insured auto.


Under-insured And Uninsured Motorist Coverage:

Covers medical expenses caused by another driver who doesn't carry enough insurance to pay for all the damages.


Collision Coverage:

Pays for the cost of damage to the insured car when in an at-fault accident.


Comprehensive Coverage:

Covers expenses caused by damage to the insured car by any other means besides an accident. This includes theft, severe weather, tree limbs falling, etc.


Pioneer State Mutual insurance discounts

Pioneer State Mutual offers a variety of discounts to further their low rates. Here are some discounts you may be eligible for:

  • Driving Experience: Drivers with a history of good driving are eligible for discounts.

  • Good Student Discount: Get rewarded with a good student discount if you or someone on your policy has good grades.

  • Multi-Policy Discount: Receive a discount for insuring more than one policy with Pioneer State Mutual.

  • Anti-Lock Brakes Discount: Get an additional discount if your vehicle has anti-lock breaks.

  • Anti-Theft Device: Install an anti-theft device in your car for a discount.

  • Annual Policy: Get a discount for purchasing an annual policy.

Filing a claim with Pioneer is simple:

Use Pioneer State Mutual's easy and convenient online system or app to file a claim, or call your independent insurance agent.


Disclaimer: The analysis of coverage is in general terms and is superseded in all respects by the Insuring Agreements, Endorsements, Exclusions, Terms and Conditions of the Policy. Some of the coverage mentioned in this material may not be applicable in all states or may have to be modified to conform to applicable state law. Some coverages may have been eliminated or modified since the publishing of this material. Please check with your local Independent Insurance Agent for details.


Other Industries and products we specialize in at The Fulcher Group:

Manufacturing Insurance

Preschool & Daycare Center insurance

Automotive Manufacturing Insurance

Tool & Die Shop Insurance

Staffing Agency Insurance

Food and Agriculture Insurance

Freshwater Technology and Services Insurance

Non-Profit Insurance

Cannabis Facility Insurance

Investment Properties – Commercial landlord Insurance

Habitational/Hospitality Insurance

Medical Malpractice Insurance

Elementary and Secondary (K-12) School Insurance

Home Insurance

Condo Insurance

Renters Insurance

Motorcycle Insurance

Watercraft Insurance

Umbrella Insurance

Small Business Insurance


The Fulcher Group offers Pioneer Insurance in Davison, Burton, Flint, Fenton, Beecher, Flushing, Grand Blanc, Goodrich, Swartz Creek, Linden, Mount Morris, Clio, Argentine, Otisville, Lapeer, Genesee, Michigan, and surrounding areas.

329 N State Rd, Davison, MI 48423

(810) 653-2602

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