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Horace Mann Auto Insurance Review

Sunday, 15 December 2013 17:01

Horace Mann is a reputable and established insurance and financial services company that caters its services and products exclusively to the education community. The company has a long track record of financial success and has consistently received excellent financial ratings. It offers its insurance products in every state and has exclusive deals and connections with several educational institutions. The company is a great choice for educational professionals due to the unique benefits and savings that are offered such as the Educator Advantage program among others, however other customers outside of the education community will have to look for other high quality insurance providers.

Company Background Information

Horace Mann Educators Corporation sells Horace Mann auto insurance and other insurance products to educators throughout the United States. The company was founded in 1945 under the name Illinois Education Association Mutual Insurance Company in Springfield, lllinois and the name was later rebranded to Horace Mann. The company is the largest insurance company that specializes in financial and insurance products and services for educational professionals and current has over $7 billion in assets. The company is licensed to sell insurance in all 50 states and it sells insurance exclusively to educators. A.M. Best has rated Horace Mann “A-“ in its recent ratings. It has not been rated by J.D. Power for customer service, most likely due to the fact that it is a specialty auto insurance provider.

Pros of Horace Mann Auto Insurance

  • Unique and exclusive discounts for educators
  • Several auto coverage options and optional insurance’
  • Strong financial stability ratings
  • Several positive customer reviews

Cons of Horace Mann Auto Insurance

  • Products are limited to educators only

Discounts

Horace Mann offers several discounts to policyholders in order to make its coverage as affordable as possible:

  • Multiline discount for purchasing life or property insurance along with auto insurance
  • Payroll discount for having premiums deducted directly from the customer’s paycheck
  • Good student discount for students under the age of 25 with at least a “B” average
  • Educator discount for teachers and educational administrators
  • National Education Association group discount

On top of these unique discounts there is also the Educator Advantage program which offers unique benefits such as:

  • Extra road service protection
  • Reduced deductibles for comprehensive insurance
  • Replacement for vehicles with less than 40,000 miles and for cars that have been owned for less than one year
  • Coverage while transporting students

The Educator Advantage program benefits vary based on the state.

Types of Insurance Offered

Horace Mann sells the standard options including liability, uninsured/underinsured motorist coverage, medical payment, personal injury protection, collision and comprehensive coverage. The Emergency Road Service offers tire changing, towing, mechanical adjustment, gasoline or oil delivery, and battery jump start services. Rental vehicle reimbursement can also be purchased. Comprehensive coverage is required to qualify for the Emergency Road Service, and both collision and comprehensive coverage is required to qualify for rental vehicle reimbursement.

Website

The website is nicely designed and offers a good amount of information on the different auto insurance products and the unique benefits offered to educators. Customers can get a quote directly online, find an agent, and manage their policy from the website.

Customer Reviews

Customer reviews of Horace Mann online are largely positive, with many customers being satisfied with the unique benefits and discounts offered, courteous customer service, and other benefits.

Horace Mann

Recommendations

With the positive reviews, financial stability, and unique discounts for educators, Horace Mann is a great choice for educational professionals. The main downside to the company is that it limits its insurance offerings to educators only and their families. Insurance seekers who are not educators can get quotes now from several different providers by entering their zip code in the field on this page.

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