SuperMoney 
  Horace Mann Auto Insurance

Horace Mann Auto Insurance

in Auto Insurance from Horace Mann Insurance Company

Unaffiliated

Horace Mann Auto Insurance

Unaffiliated

in Auto Insurance from Horace Mann Insurance Company

Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote
Cast your vote

Would you recommend Horace Mann Auto Insurance to your friends?

Thanks for your vote!

Thanks for your vote!

You voted: May or may not recommend

Highlights
Highlights
Financial Strength Rating A

Horace Mann Auto Insurance Review

Where does Horace Mann Auto Insurance do business?

Horace Mann Insurance Company is an insurance carrier based in Springfield, IL. The company was founded in 1945 and offers auto insurance in 45 states (and Washington, DC).

If you're considering whether Horace Mann Auto Insurance is a good option for you, read on.

How does Horace Mann Auto Insurance compare to other auto insurance companies?

Pros & Cons of Horace Mann Auto Insurance
Pros Cons
  • 24/7 Phone availability
  • Locally available agents
  • Digital claims reporting
  • Emergency roadside service
  • Rental car coverage
  • Generous with policy discounts
  • Offers multiple vehicle equipment discounts
  • No free policy cancellation
  • No accident forgiveness
  • No ridesharing coverage
  • No transport trailer coverage
  • No travel expenses or trip interruption coverage
  • What types of auto insurance coverage does Horace Mann Auto Insurance offer?

    Although we often talk about auto insurance in the singular, it really includes several types of coverage. Horace Mann Auto Insurance offers the following types of auto insurance coverage:

    • Bodily Injury Coverage: This insurance pays for your legal defense and for the costs associated with injuries to other people involved in an accident. 
    • Property Damage Coverage: Usually, this insurance will look after the property damage you cause to another vehicle or property when at fault in an accident.
    • Uninsured Motorist Coverage: The uninsured motorist rider covers the damages caused by a negligent driver who doesn't have an insurance policy.
    • Underinsured Motorist Coverage: This covers the damages caused by a driver who is at-fault but whose liability limits don't cover all the property damages and medical expenses of the accident.
    • Collision Coverage: Collision coverage is an optional policy that pays for the cost of repairing or replacing your vehicle after an accident. If you have an auto lease, the lender may require you buy collision insurance.
    •  Comprehensive Coverage:If your vehicle is damaged in an event other than a collision, comprehensive coverage will pay for the cost of the repair. Covered events include storms, floods, fire, vandalism, and theft.
    • Medical Payments Coverage: Medical payments insurance covers for the medical costs caused by an accident regardless of who is at fault. Most policies will also cover funeral expenses.
    • Personal Injury Protection: Personal injury protection, also known as PIP, typically covers medical expenses, loss of essential services, funeral services, and loss of income. It is similar to medical payments coverage, or MedPay for short. The difference is that MedPay will only cover for reasonable medical expenses.

    Horace Mann Auto Insurance customers can also add the following riders or endorsements to their policies:

    • Rental Car Coverage: Rental car coverage, also known as rental car reimbursement, pays for the cost of a car rental if you can't drive your vehicle because of a covered loss, such as a car accident, theft, or vandalism.
    • Emergency Roadside Service: Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.

    Does Horace Mann Auto Insurance have roadside assistance?

    Emergency Roadside Service available. Yes, Horace Mann Insurance Company offers roadside assistance to policyholders. Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.

    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 discounts does Horace Mann Auto Insurance offer?

    When you ask for a quote with Horace Mann Auto Insurance, make sure you ask for all the discounts you qualify for. These are the discounts currently available that are specific to auto insurance.
    • Anti-Lock Brake System: ABS technology reduces uncontrolled skids and insurance premiums. Most cars have them but it's a discount people often forget to ask for.
    • Daytime Running Lights: This is a 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 a discount.

    Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with Horace Mann Auto Insurance.

    How does Horace Mann Insurance Company calculate rates?

    Auto 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, auto insurance companies will use your credit score as a rating factor. There are two exceptions.
    1. If you live in California, Hawaii, or Massachusetts, auto insurance companies are not allowed to use your credit report as a rating factor.
    2. There are also a handful of auto insurance companies that base their 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 quote

    • Visit the Horace Mann Insurance Company website.
    • Fill in the insurance 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.
    SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

    Contact

    • Headquarters
    •   1 Horace Mann Plaza
      Springfield, IL 62715 USA
    •   Visit Site

    Other Services by Horace Mann Insurance Company

    Availability

    Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
      Available in 45 states and Washington, D.C.
    • Alabama
    • Alaska
    • Arizona
    • Arkansas
    • California
    • Colorado
    • Connecticut
    • Delaware
    • Washington, DC
    • Florida
    • Georgia
    • Idaho
    • Illinois
    • Indiana
    • Iowa
    • Kansas
    • Louisiana
    • Maine
    • Maryland
    • Massachusetts
    • Michigan
    • Minnesota
    • Missouri
    • Montana
    • Nebraska
    • Nevada
    • New Hampshire
    • New Mexico
    • North Carolina
    • North Dakota
    • Ohio
    • Oklahoma
    • Oregon
    • Pennsylvania
    • Rhode Island
    • South Carolina
    • South Dakota
    • Tennessee
    • Texas
    • Utah
    • Vermont
    • Virginia
    • Washington
    • West Virginia
    • Wisconsin
    • Wyoming

    Feature Breakdown

    Policy Discounts
    • Affinity Relationship
    • Automatic Payment
    • Claims Free
    • Good Student
    • Multiple Policy
    • Multiple Vehicles
    • New Customer / Competitor Transfer
    • Teacher / Educator
    Vehicle and Equipment Discounts
    • Anti-Lock Brake System
    • Anti-Theft Devices
    • Daytime Running Lights
    • Internal Safety Features (Air Bags / Seat Belts)
    Liability Vehicle Insurance
    • Bodily Injury Coverage
    • Property Damage Coverage
    • Uninsured Motorist
    • Underinsured Motorist
    Medical Vehicle Insurance
    • Medical Payments Coverage
    • Personal Injury Protection
    Vehicle Coverages
    • Comprehensive
    • Collision
    Financial Strength Rating
    • A
    Carrier Features
    • 24/7 Phone Availability
    • Locally Available Agents
    • Digital Claims Reporting
    • Mechanical / Auto Body Repair Network

    Be the first to rate

     
     

    Would you recommend Horace Mann Auto Insurance to your friends?

    Before we publish your vote:

    Please explain your vote by sharing your experience.

    Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

    Please write a review to submit your vote
    Cancel my vote
    (will require moderator approval)

    Other Auto Insurance