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Hastings Mutual has a personal automobile insurance program with the coverage and the pricing to suit you and your family.

Multi Protection Guard Coverage

FREE, NEW, MONEY-SAVING, and for all Hastings Mutual Personal Auto Policyholders!
Increase Your MPG and Reduce Your Worries about:

Travel Interruption
If you are over 100 miles away from your home and your journey is interrupted by a covered loss we offer substantial expense relief!

Towing Coverage
We know an auto breakdown can be an expensive event, but with our towing coverage from Quest Software (call 800-255-7137) you can get free unlimited towing to our nearest authorized repair facility, or to your destination of choice (within 10 miles of your breakdown). This also covers non-owned autos such as rental vehicles.
If you do not call the 800 number above you are limited to an out-of-pocket expense of $75. You can fax the bill, with your policy number, name and vehicle details, to Quest at 866-316-4797.

Roadside Assistance
This covers:

  • Flat tire
  • Emergency fluid delivery (gas, oil, water etc., to get your vehicle rolling)
  • Dead battery
  • Locked out service
  • First Aid
  • Concierge service

New Vehicle Replacement Cost
This is a "must have" replacement cost coverage for new vehicles owned less than one year. Definitely check out the MPG endorsement if you own a new car.

Auto Loan/Lease Coverage
This is a great coverage for autos with outstanding loans or autos that are leased. If there is a total loss to your covered auto, the financial penalty to you should be reduced considerably.

Pet Injury Coverage
Pet Injury Coverage pays for veterinary charges for your cat or dog injured in an accident while riding with you in your covered auto.

Pet Accidental Death Benefit
This is a benefit of $250 should your cat or dog die as a result of injuries sustained while riding in a covered auto.

Theft of a GPS System
A $250 benefit will be provided for the peril of theft of a GPS system from a covered auto, with evidence of forced entry. Eligible GPS systems include, but are not limited to, systems marketed by Garmin®, Magellan®, and TomTom®.