Please specify - state farm and other companies claim to be mutual insurance but not sure how to become a shareholder/and policyholder rather than just a policy holder? Also, there are a few brothers in different states that are willing to work together on a system/solution for this that you said you were working on. How do we learn more about that?
Mutual Insurance of any product as pertaining to automobiles in this terms is owned and governed at it's entirety by the policyholders. In this case, any profit that is realized is meant to be retained within the company or is given as a rebate to the policyholders as dividends (i.e the owners of the insured automobiles.) This is the flowchart of how this insurance model works.