Members First Auto Insurance: Coverage, Benefits, and How to Get the Best Rates

What Is Members First Auto Insurance?

Members First is a national insurance company that partners with credit unions and community banks to provide auto coverage. It operates under the umbrella of the National Association of Insurance Commissioners and offers policies that comply with state regulations. The insurer focuses on delivering standard liability, collision, and comprehensive coverage, while also offering optional add‑ons such as roadside assistance and gap insurance.

Core Coverage Options

The base policy includes:

• Personal Injury Protection (PIP) or Medical Payments
• Property Damage Liability
• Collision Coverage
• Comprehensive Coverage

Optional riders allow policyholders to tailor protection to their needs, including:

• Roadside Assistance
• Gap Insurance for new or leased vehicles
• Rental Reimbursement
• Uninsured/Underinsured Motorist Coverage

Benefits of Choosing Members First

Members First distinguishes itself through:

• Competitive pricing for credit union members
• Streamlined claims handling via partner agencies
• Discounts for safe driving, multiple policies, and vehicle safety features
• Access to a network of local agents and online account management

How to Get a Quote and Purchase a Policy

Obtaining a quote is straightforward:

• Visit the official Members First website or your credit union's portal
• Enter vehicle details, driving history, and personal information
• Review recommended coverage levels and optional add‑ons
• Compare rates with other insurers if desired
• Complete the application online or through an agent

Policy issuance typically occurs within 24–48 hours, and coverage begins immediately upon receipt of the first payment.

Tips for Lowering Your Premium

To keep costs down, consider the following:

• Maintain a clean driving record—avoid tickets and accidents
• Install approved safety devices (e.g., airbags, anti‑roll bars)
• Choose higher deductibles for collision and comprehensive
• Bundle auto with homeowners or renters insurance
• Take advantage of credit‑union loyalty discounts

Customer Experience and Claims Process

Members First claims are handled through a dedicated network of local agents and a 24/7 hotline. The process includes:

• Immediate incident reporting via phone or app
• Assessment by a claims adjuster within 48 hours
• Vehicle repair authorization and payment to the repair shop
• Direct payout to the insured for out‑of‑pocket expenses

Customer reviews often highlight the insurer's responsive service and clear communication during the claims cycle.

Is Members First Right for You?

Choosing Members First is ideal if you:

• Hold an account with a participating credit union
• Prefer a local agent for personalized service
• Seek competitive rates with standard coverage

Compare policies, ask about available discounts, and read the policy booklet thoroughly before committing.