Horace Mann Auto Insurance Review: What to Know
Horace Mann Insurance Company offers a wide range of insurance policies to educators. Horace Mann auto insurance plans come in several coverage options, and you may qualify for many discounts. The provider has variety of insurance coverages to educators besides automotive policies.
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UPDATED: Apr 11, 2022
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- Horace Mann Insurance Company provides insurance coverage to educators
- Horace Mann auto insurance offers affordable prices to teachers and administrators
- Horace Mann offers customizable plans, with many discount options
Searching for the top auto insurance carriers is a struggle. You want to find the policy that best protects you and your family, but maybe you don’t know where to start. We’re here to help by providing honest company reviews and easy access to free insurance quotes. If you’ve heard of Horace Mann Auto Insurance and are curious about the services it offers, this review will help you understand the available coverages and benefits.
Horace Mann Insurance Company provides affordable auto insurance coverage designed specifically for educators. This review will break down its coverages, benefits, financial ratings, and customer reviews so you can make an informed decision.
Before you read our review of Horace Mann auto insurance, enter your ZIP code into our free tool to see quotes available from more of today’s top companies.
Horace Mann Auto Insurance: Types of Coverage
Auto insurance coverage is available in a wide range of options from this insurance provider, and different coverage types will benefit you in different ways. Horace Mann auto insurance provides several distinct coverage options with several valuable benefits.
Horace Mann Auto Insurance: Liability Coverage
Liability auto insurance is a popular type of insurance choice for drivers. It covers the cost of any damages or injuries you cause to others from an accident. Horace Mann provides two types of liability coverage:
- Bodily injury. This type of Horace Mann auto insurance policy covers losses from injuries you cause others in an accident.
- Property damage. This type of Horace Mann liability policy covers the costs of repairing or replacing others’ property damaged in an accident.
Horace Mann auto policies for liability cover you and family members living with you when driving your car or someone else’s car with their permission. This coverage also applies to anyone driving your vehicle with your permission.
Horace Mann liability coverage pays for costs associated with death, injury, medical care, and, in certain states, property damage. Additionally, you can use this coverage towards your bail bond fees, legal defense costs, and emergency first aid given to injured parties.
Horace Mann Uninsured & Underinsured Motor Vehicle Coverage
Not everyone on the road is insured. If you’re injured, or an uninsured driver damages your property, uninsured motorist coverage can help pay for the damages. Horace Mann auto insurance policies include uninsured and underinsured motor vehicle coverage options.
Horace Mann’s underinsured motor vehicle plans cover accidents caused by an underinsured driver.
Both plans cover you, your passengers, and the family that lives with you when in another’s vehicle. Losses covered include death, injury, medical care, and property damage in select states.
Horace Mann Auto Insurance Collision Coverage
Collision coverage is a primary type of auto insurance that pays for losses caused by colliding with another object.
Once you meet your deductible, Horace Mann’s collision policies cover your vehicle’s repair or replacement costs up to its actual cash value.
Horace Mann Comprehensive Auto Coverage
Horace Mann’s auto insurance coverage options feature a comprehensive auto insurance plan. This plan goes further than collision coverage to protect your vehicle from damage caused by non-collision events.
Horace Mann’s comprehensive policy covers the cost of losses caused by fire, theft, falling rocks, hail, vandalism, and animal collisions. Vehicle repair and replacement costs are covered up to the vehicle’s actual cash value, minus the deductible.
Horace Mann Auto Insurance: Emergency Road Service
As a part of its auto insurance coverages, Horace Mann Insurance Company provides an emergency roadside assistance plan. The services provided include towing, minor mechanical adjustments, battery jump-start, tire change, gas, oil, and water delivery, and lockout service. The policy does not cover the costs of batteries, tires, oil, and gas.
Horace Mann provides this emergency service around the clock.
Horace Mann Auto Insurance: Rental Reimbursement
Horace Mann Insurance Company also offers rental reimbursement insurance. This coverage pays for the costs of a rental car after an accident.
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Horace Mann Auto Insurance for Educators
Horace Mann Insurance Company, also known as Horace Mann Educators Corporation, was founded by teachers to provide quality auto insurance coverage to educators. The company offers a variety of programs and discounts for teachers and administrators.
Horace Mann Educator Advantage
Horace Mann Insurance Company provides a package of benefits designed specifically for teachers called Educator Advantage. All educators with a Horace Mann auto insurance policy receive the Educator Advantage package for free.
The Educator Advantage package reimburses you for:
- Car replacement. If your car is totaled, Horace Mann will pay for the cost of your replacement vehicle.
- Transportation fees. If you are away from home and feel unsafe driving, the Educator Advantage policy will pay for up to $35 of transportation costs.
With the Horace Mann Educator Advantage package, you pay no deductibles for losses caused by covered vandalism, covered claims with another vehicle insured by Horace Mann, and covered claims that occur on or close to school property or at a school function.
The Educator Advantage package also includes added coverage if you purchase emergency roadside service and liability coverage while transporting students in a vehicle insured by Horace Mann. You also have up to $1,000 of coverage for veterinary bills if your pet is hurt or dies from a covered accident.
Additional benefits featured in the Educator Advantage package include added coverage if you purchase emergency roadside service, liability coverage while transporting students in a vehicle insured by Horace Mann, and up to $1,000 of pet insurance if your pet is hurt or dies as the result of a covered accident.
Horace Mann Auto Insurance for Educators: Additional Discounts
Educators with Horace Mann auto insurance may be eligible for the following auto insurance discounts:
- Educator discount. This discount applies to teachers and administrators who have a Horace Mann auto insurance policy.
- Multiline discount. Educators who have multiple insurance policies with Horace Mann may be eligible for this discount.
- Multicar discount. This discount is for educators who own multiple cars protected by Horace Mann auto insurance policies.
- Association member discount. If you are a member of a qualifying education or school administration association, you may be eligible for this discount.
- Payroll discount. Allowing your insurance payments to be automatically deducted from your paycheck qualifies you for this discount on your insurance.
- New customer discount. Horace Mann offers a discounted price to any educators new to the company.
- HMDrive premium credit. Horace Mann provides a discount to customers that choose to use its safe driving mobile app.
Horace Mann Insurance Company offers additional discounts for safe driving, car safety, and good student drivers.
What other types of insurance policies does Horace Mann provide?
Besides auto insurance policies, Horace Mann Insurance Company offers many additional coverage options that can be bundled with your automotive plan or purchased alone.
Horace Mann provides home insurance, renters insurance, liability insurance, life insurance, and supplemental insurance, with many discounts available. You can customize these plans by bundling them with other policies and add-on coverage.
Horace Mann Auto Insurance Company Ratings & Reviews
When choosing an insurance company, it’s always wise to check its ratings and reviews.
Horace Mann Auto Insurance Company Financial Ratings
Financial ratings are third-party estimations of an insurance company’s ability to meet financial obligations. It’s wise to check these ratings because they are indicators of a company’s financial strength and credibility.
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Horace Mann Insurance Company received favorable ratings from three of the country’s top financial rating agencies.
Horace Mann Auto Insurance Customer Reviews
It’s also essential to review a company’s customer reviews and complaints. This information represents real people’s experiences and helps you to understand how a company treats its customers.
The Better Business Bureau classifies the Horace Mann Insurance Company as Horace Mann Companies. It is not BBB accredited but does have a rating of A+ based on customer complaints and information. Horace Mann has only three customer reviews on the BBB, resulting in a 1.33/5 star rating. These negative reviews cite poor customer service as the reason for their dissatisfaction.
Horace Mann Insurance company has 233 customer reviews on Clearsurance. Here, the rating is 3.93/5 stars, and customers praise the company for its policy options, affordable pricing, and billing process. Similar to the reviews with the BBB, there are many complaints about poor customer service.
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Horace Mann Auto Insurance Claims Process
Horace Mann Insurance Company provides phone numbers of claims departments depending on the type of claim. For automotive insurance claims, the company offers a checklist that details the steps to take after an accident.
Horace Mann Auto Insurance: The Bottom Line
Horace Mann auto insurance is available to educators across the country. Horace Mann Insurance Company also provides a wide variety of insurance coverages to educators besides automotive policies. Plans are affordable and customizable, and there are many discounts available.
While Horace Mann offers many helpful policies for teachers, it has received negative reviews for customer service.
Overall, Horace Mann’s insurance policies provide teachers with a wide range of coverage options. Financial reviewers rate the company well, and customer reviews praise the affordable policy choices and flexible plans.
Remember to check all available options before choosing an insurance plan. If you’ve read our review of Horace Mann auto insurance and you’re ready to see quotes from more top-rated companies, enter your ZIP code into our free quote comparison tool.