EMC Car Insurance Company is part of an extended network known collectively as the Employers Mutual Casualty Company, or EMCC. Based in Des Moines, Iowa, EMC Insurance Companies has a vast reach across the U.S., selling its products through independent agents in 40-plus states and employing upwards of 2,000 workers in its 16 nationwide locations, according to the company website.

EMC was founded in 1911 as a group that offered workers’ compensation for companies in its home state of Iowa. It has since grown to offer insurance of all types, including business, loss control, life, home and its personal lines of insurance that include car insurance.

EMC Car Insurance Options

Car insurance from EMC includes the typical scope of coverage offered by most car insurance companies along with optional coverage, the EMC website notes. The typical coverage includes liability for property damage and injuries, protection for personal injuries and medial payments. You also have the option of collision insurance, comprehensive insurance that covers damage other than collision and towing services. Two more options under the typical coverage are insurance for uninsured or underinsured motorists as well as property damage coverage for uninsured motorists.

If you want to tailor an individual car insurance plan to best suit your needs, EMC Car Insurance offers a spate of optional features that are not part of the typical car insurance plan. These include coverage on your car’s media devices, such as equipment for audio, video, and electronic data, as well as coverage on records, tapes, and other media. You can also increase your coverage on your car stereo or other sound equipment. Two more options under the optional coverage include auto loaning or leasing coverage as well as transportation expenses. EMC also offers the standard discounts for car insurance found with most car insurance companies.

EMC Claims to Fame: Custom Policies and Technology

Customized policies and advanced technology are two claims to fame for EMC Insurance Companies. In 2005, EMC introduced its EMC Choice program that allows personalized car insurance options as well as other specialized options for various other industries and business owners.

To better help consumers make their choices, EMC has been focusing a lot of energy on technological improvements to its website, with a newly revamped site launched in 2009. Its overall goal was to make online insurance selling and buying as easy as possible for agents and consumers. Website capabilities include the ability to submit applications, search for policies, search and submit claims, and perform a wide variety of functions.

EMC Technology Awards

EMC’s online efforts were honored with a half-dozen awards in 2010 for its advanced use of technology. The company website received top honors for its overall design in the form of the 2010 Platinum Hermes Creative Award and six other awards from groups and associations related to technology and the insurance industry.

Other 2010 awards included the Commercial Lines Interface Leadership Award from Applied Systems, a provider of insurance-related technology, and one from Applied Systems Client Network, or ASCnet, with honors as the Real Time Achievement Award. An ACORD user group known as AUGIE bestowed EMC with the Commercial Lines Download Award.

Other Awards for EMC

Technology is not the only area in which EMC excels, according to Forbes. EMC Insurance Companies has steadily made headlines for its numerous awards earned over the years. In the past decade alone, the company racked up honors from Forbes for its trusted service and many others for its technology.

EMC made the 2010 Forbes List of the 100 Most Trustworthy Companies, an honor Forbes gives to U.S. businesses for its accounting and management practices. EMC Insurance Group ranked a 96 out of 100 possible points used by the firm Audit Integrity, according to Forbes. Ranking high on the most trustworthy company list comes from solid and transparent business practices and EMC made it into the small-cap category, or those with a market cap of less than $2 billion.

Another branch of EMC’s insurance, the EMC National Life Company, also received high honors. A.M. Best rated a B++, which translates to a “Good” rating and noted EMC had an outlook that promised to be stable throughout 2011. The ratings are based on a company’s proficiency at fulfilling the needs of its consumers, namely the policyholders.

Although EMC Car Insurance Company was not recently sought out for specific awards in the auto insurance industry, being part of the EMC Insurance Group may speak for itself. All branches of EMC would likely be held to the high standards historically evident in the overall organization.