With insurance, you have the ability to drive safely and protect everyone on the road in the event of an accident. If you’re on the lookout for one, consider Horace Mann Car Insurance.
Horace Mann Car Insurance reviews show that they are a specialty insurance company with plenty of benefits for educators. With that said, all of their packages are available to family members of educators, though you might not be eligible for as many savings as teachers.
About Horace Mann Car Insurance
The reason as to why Horace Mann benefits its educators is because it was initially founded in 1945 by two teachers in Illinois. They wanted to develop an insurance agency that would give educators a fair chance at affordable car insurance.
Over the years, the company has increased its reach and has plenty of different products for drivers to take into consideration. Not only does Horace Mann Car Insurance focus on protecting your vehicle, but they also offer life insurance, home insurance, and supplemental products such as IRAs and annuities.
Horace Mann Car Insurance Coverage Options
The very first thing to look at when it comes to choosing insurance is the type of coverage you’ll have access to. Every driver should be investing in the perfect policy that covers them while on and off the road.
Some of the most popular coverage options from Horace Mann include:
Frequently referred to as the highest level of protection for your vehicle, comprehensive coverage is essential for protecting your car against damage from others. This may include vandalism, theft, or issues from natural disasters.
Collision coverage is typically a requirement for new vehicles and is based on state minimums. With collision coverage, you can pay to repair or replace your vehicle if it’s damaged in an accident.
This is typically required in most states, especially Illinois, as it helps to pay for medical expenses and lost income in accidents where you are declared at fault. In Illinois, the required minimum is $20,000 per person per accident and $40,000 for all passengers per accident.
Property Damage Liability
If you’re in an accident where your vehicle damages another person’s property, such as their home, you’ll need property damage liability. For Illinois drivers, you’ll need a minimum of $15,000.
Many drivers don’t have enough insurance to cover the costs of an accident, as medical bills alone are far more expensive than your state’s minimum requirements. If you’re in an accident with an underinsured motorist, you’ll need at least $25,000/$50,000 underinsured policy.
There are also instances where the other driver is completely uninsured. This means that they’ll have to pay for the damage from an accident out of pocket. With uninsured motorist coverage, you won’t have to pay for anything in an accident with a driver without insurance. The minimum requirements are $20,000/$40,000.
Uninsured Motorist Property Damage
To help cover the costs of damage to property due to an uninsured driver, you’ll need uninsured motorist property damage. The minimum for Illinois drivers is $15,000 with a $250 deductible.
Educator Advantage Package
The Educator Advantage Package is the most innovative coverage from Horace Mann Car Insurance. If you are an educator, all of the following benefits are automatically included in your policy for no additional cost.
- Increased roadside assistance
- Waived or reduced vandalism deductible (if at school or near a school)
- New car replacement
- Pet coverage (Up to $1,000)
- Liability coverage for transporting students
Benefits of Horace Mann Car Insurance Policies
For educators and teachers, there are numerous benefits to consider when signing up for a policy with Horace Mann. Some of the most talked about advantages include:
Superior Customer Service
Compared to most other insurance providers, policyholders have found that Horace Mann has exceptional customer service. This is likely because the majority of their employees are retired teachers and are able to sympathize with your situation.
With Horace Mann, getting in touch with agents is far simpler than with larger insurance providers. This makes it easier to file claims.
There are online services for you to put to good use, which is ideal for internet-savvy policyholders. You can easily navigate through their online site to review and manage your policy. In addition, there is a mobile app that you can download to your iOS or Android devices.
Drivers who prefer to speak to an agent to ask questions or manage their policy will be able to take advantage of their toll-free number. In this way, you can speak to a highly trained professional to help you with your inquiries.
Convenient Claim Filing
Everything that you need to put through your claim is readily available on the company’s website once you sign in to your account. All of the necessary forms are conveniently available, including instructions on what to do to submit your claim online. This helps to take a lot of hassle out of the most difficult processes other drivers experience with their providers.
There is an online quote system for you to to use on Horace Mann’s website, though it won’t give you an immediate quote. Instead, it prompts a call from an insurance agent so that you can discuss the finer details of your driving history. With their help, you can get car insurance in under an hour.
Cons of Horace Mann Car Insurance Policies
There are a lot of positive aspects of being a policyholder with Horace Mann, but there are also a couple of disadvantages to take note of. Below are the most talked about concerns:
There isn’t anything spectacularly different in terms of the insurance offerings from Horace Mann when compared to other insurance companies. If you’re a driver who is looking for revolutionary products, this is likely one of the insurance companies to avoid.
Poor Claims Resolution
Many customers have explained their dissatisfaction with how Horace Mann Car Insurance deals with claims. Although submitting them is particularly easy, you may find it difficult to obtain a settlement or resolution. Some customers waited months before an adjuster has appraised the damage to their vehicles.
Horace Mann Car Insurance Reviews: Final Thoughts
The vast majority of Horace Mann Car Insurance reviews have been positive, with clients expressing their pleasure with their above-average customer service and the easy filing process for claims. However, finding a resolution to a claim can be a long and difficult task.
Overall, their performance is at par with larger industry leaders. As an educator or the family member of an educator, this may be one of the better insurance companies to consider.