Last Updated: 04/18/2025
Horace Mann Auto Insurance
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Last Updated: 04/18/2025
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A(Verified 04/18/2025)
Horace Mann Auto Insurance Review
Horace Mann Insurance Company is a car insurance carrier based in Springfield, IL. The insurance company was founded in 1945 and offers car insurance in 45 states (and Washington, DC).
If you're considering whether Horace Mann auto insurance is a good option for you, read on.
Horace Mann auto insurance Pros & Cons
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Horace Mann auto insurance FAQ
What types of car insurance coverage options does Horace Mann auto insurance offer?
Although we often talk about car insurance in the singular, it really includes several types of coverage options.
Does Horace Mann auto insurance have roadside assistance?
No, Horace Mann Insurance Company does not have roadside assistace.Does Horace Mann auto insurance offer ridesharing insurance?
No, Horace Mann auto insurance does not offer ridesharing coverage as a rider or endorsement.What benefits does Horace Mann auto insurance offer?
Horace Mann auto insurance offers the following benefits to its customers:
- 24/7 Phone Availability: Customer service is staffed around the clock.
- Local Agents: Perfect for people who prefer the personal touch of a local insurance agent.
- Digital Claims Reporting: Never fax or mail a document again.
- Mechanical / Auto Body Repair Network: Enjoy the competitive prices and peace of mind of having access to a network of service and repair shops.
What insurance discounts does Horace Mann auto insurance offer?
When you ask for an insurance quote with Horace Mann auto insurance, make sure you ask for all the insurance discounts you qualify for. These are the insurance discounts currently available that are specific to car insurance.- Anti-Lock Brake System: ABS technology reduces uncontrolled skids and insurance premiums. Most cars have them but it's an insurance discount people often forget to ask for.
- Daytime Running Lights: This is an insurance discount you may not have heard of but it is becoming more commonplace. Daytime running lights make you more visible and to drivers and pedestrians, which reduces accidents.
- Internal Safety Features: Horace Mann auto insurance offers additional savings if you have seatbelts, airbags, and similar safety features. Ask what other safety features on your car will trigger an inurance discount.
Want more insurance discounts? Check the insurance discounts tab for a full list of general policy insurance discounts you can qualify for with Horace Mann auto insurance.
How does Horace Mann Insurance Company calculate insurance rates?
Car insurance companies guard their risk-assessment algorithms as a trade secret, and Horace Mann Insurance Company is no exception. However, you can be confident that Horace Mann auto insurance will take into consideration your driving record, age, gender, marital status, and address.
Other factors it will take into consideration are your vehicle (make and model), insurance history, and how you use your car.
Does Horace Mann auto insurance use your credit score?
It is safe to assume that, when legal, a car insurance company will use your credit score as a rating factor. There are two exceptions.
- If you live in California, Hawaii, or Massachusetts, a car insurance company is not allowed to use your credit report as a rating factor.
- There are also a handful of car insurance companies that base their insurance rates exclusively on telematic data. These companies collect information on your driving behavior and use it to determine the risk you pose as a driver.
How can I get a Horace Mann auto insurance insurance quote
- Visit the Horace Mann Insurance Company website.
- Fill out the insurance online quote application form. You will typically need to provide personal information, such as your name, vehicle, driver's license, and address.
- Check the information is accurate and submit your application.
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