CSE Insurance Review

CSE Insurance Review

by updated
CSE Insurance
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Find Cheap Auto Insurance Quotes in Your Area

Currently insured?
CSE Insurance
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Pros

  • CSE's SAVE Program: Rewards and discounts for low annual mileage
  • Great for Civil and Public Employees - targeted discounts and policies; all occupations eligible for insurance
  • Very few complaints compared to other insurance companies, and high ratings from industry organizations

Cons

  • No readily apparent considerations

CSE auto insurance rate comparisons

We compared CSE's sample premium rates with two other companies in California to give consumers an idea of what the relative insurance costs for certain demographic profiles are. Geico's quotes for married couples and singles were cheaper than those at CSE by about 6% to 12%. It's difficult to make a generalization about Allstate's quotes vs. CSE, however, depending on which driver profile readers fit more closely with, rates could be cheaper or more expensive.

Driver Profile

CSE
Geico
Allstate

Married Couple

$1,129$993$1,171

Senior Married Couple

752675696

Single Male, age 30

621582628

Single Female, age 25

786699752
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As always, readers should check with at least two other companies to make sure they're getting better rates. To see a list of the cheapest insurers in your area, enter your ZIP code below. Click through to get a quote and compare rates.

Find Cheap Auto Insurance Quotes in Your Area

Currently insured?

Auto insurance policy

CSE Insurance's auto insurance policies have the standard breadth of bodily injury liability, property damage, and personal injury protection. It also sells insurance for uninsured/underinsured motorist, collision and comprehensive as needed. To supplement their standard insurance protection, CSE offers policyholders the option of medical payments protection, rental car/transportation expenses and roadside assistance. The company insures the following types of vehicles: automobiles, motorcycles, all-terrain vehicles, trucks, motor vehicles, mobile homes and recreational vehicles.

CSE has a great program called "SAVE" that rewards customers for driving fewer miles in their vehicle. Enrollment in the program automatically grants drivers a discount. In the beginning, consumers estimate their annual mileage and pay the required premiums. At the end of the policy, drivers can submit their actual mileage driven, if less than the estimate, and receive a refund of their previous premium payment as a reward. The subsequent policy premium is priced at this actual mileage driven. Even if motorists wind up driving more than estimated, they won't be that worse off — they'll simply receive a catch-up bill for the difference at the discounted rate.

CSE Insurance underwrites and administers insurance policies in the southwestern region of America: Arizona, California, Nevada and Utah (Utah appears to be outsourced to another affiliate company).

CSE Insurer Ratings

Metric

Rating

AM Best Financial Strength Rating (2013)

A- (Excellent)

Better Business Bureau (2013)

A+

NAIC Complaint Index (2012)

0.37 (National Index 1.00)

Auto Direct Premiums Written (2012)

$25.7MM
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CSE car insurance discounts

CSE Insurance was founded to provide insurance services for public and civil servant employees, including educators, law enforcement officers and military or government employees. This covers teaching assistants, principals, probation officers, prison guards and fire inspectors in addition to the typical civil service employees. Discounts amounts will vary depending on which of the four states insureds live in.

Discount Type

Amount

Multi-Vehicle

Up to 24%

Good Driving (past three years)

Up to 20%

Loyalty to CSE

Up to 20%

Multi-Policy

Up to 14%

Good Student (up to 25 years of age)

Up to 14%

Occupation / Civil Servant

Up to 10%
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How to file a claim with CSE Insurance

Online: CSE Insurance has a handy form online that you can file a claim at.

Telephone Number: (800) 282-6848

  • Press 5 for Claims
  • Press 1 for Non-Glass Claims
  • Press 2 for Glass-Only Claims
  • Press 3 for Immediate Roadside Assistance and Tow claims

Customer Service representatives can be reached at 0

About CSE Insurance

The "CSE" in the company's name stands for Civil Service Employees. The CSE Insurance Group / CSE Safeguard Insurance Company was formed in 1949 to provide auto, homeowners, rental, and commercial insurance.

Related Articles: Top Auto Insurance Companies

Mark is a Senior Research Analyst for ValuePenguin focusing on the insurance industry, primarily auto insurance. He previously worked in financial risk management at State Street Corporation.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.

CSE Insurance
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