What are the two key reasons one needs to combine their auto and home insurance policies with the same company? It provides you convenience and saves you money! Well, that’s where The Hanover Insurance Company becomes a boon to you.
It offers insurance for people interested in comprehensive policy packages with anextensive range of coverages and add-ons.The Hanover Car Insurance won’t be the best option for those looking for a standard, low-priced insurance policy.
The Hanover Insurance Group includes many extras in its auto insurance policies, with the option of adding even more. Currently, you can get this insurance policy only in 28 states and Washington DC. So, you can consider this auto insurance only if it serves the state you live in.
So, how much is the Hanover Car Insurance quote? What are the discounts offered by the company? Our research has all the details on The Hanover Insurance Company packages!
Pros
Cons
These are some of the unique features offered by this company.
| Unique Features | What does it do |
|---|---|
| Trip interruption | This coverage paysaround $1,000 for lodging, food, travel, and rental costs when acovered loss leaves you stranded nearly 100 miles from home. |
| Ultimate rental reimbursement | It will pay for a daily rental car for up to $3,000 while your car is in the shop. |
| Accidental death benefit | Provides reimbursement of $10,000 foryour family members when the insured dies in anaccident involving a covered vehicle. |
| Accidental airbag deployment coverage | It covers the cost of reinstalling your airbag if itdeploys accidentally. |
| Second chance accident forgiveness | It helps you avoid a premium increase after your first accident within three years. |
| Pet injury protection | It offers up to $500 in vet costs and burial costs if your pet gets injured or dies in an accident. |
| New car replacement guard | Replace your car if it gets damaged within a year of the purchase or before you drive it 15,000 miles, without considering monetary depreciation. |
| Roadside assistance | Offers towing and emergency services when your car breakdowns or for stranded drivers. |
You don’t need to combine the auto and home insurance policy packages. You can make your auto insurance policy if you only need coverage for your vehicle. The insurer provides you with the following coverage.
Key replacement coverage pays you around $250 when your key gets lost, stolen, or damaged. If your car seat gets damaged in a covered accident, the Child car seat replacementwill reimburse up to $300 in replacement costs, with no deductible.
The Prestige package, aimed at customers with higher-value homes and automobiles, provides higher coverage amounts or longer terms. For instance, rental reimbursement will have a $6,000 limit, and pets injured or killed in a car accident get coverage up to $2,500. Thepackage also comprises global rental coverage, covering rental car damage anywhere globally.
To know in detail about the various types of auto insurance coverage, check https://www.way.com/blog/types-of-car-insurance-coverage/
If you’re looking for a cheap car insurance provider, The Hanover Car Insurance won’t be the best insurer. The Hanover Car Insurance quotes are higher than the majority of the competitors. The higher premiums for the company come with more coverage than lower-cost competitors.The Hanover Car Insurance quotes come around $1,261 for minimum coverage and $4,538 for full coverage options. There are numerous ways to pay for your insurance premiums.
| Driver Profile | Average Quote |
|---|---|
| 18-Year-Old | $463 / month |
| 21-Year-Old | $281 / month |
| 45-Year-Old | $140 / month |
| 45-Year-Old with a Speeding Ticket | $155 / month |
| 45-Year-Old with DUI | $157 / month |
| 55-Year-Old | $133 / month |
| 65-Year-Old | $138 / month |
The Hanover Insurance Group provides various ways to reduce your premiums. You may be able to heap multiple discounts on your policy. Like most other insurance companies, The Hanover offers a variety of auto insurance discounts.Not filing claims and taking advantage of deductible dividends coverage will help you save some costs. A customer can save up to $100 off their deductible every year without filing a claim. These are some of the discounts offered by the company.
The company sells its policies directly through a network of independent agents. It can be a substantialbenefit if you prefer to work with someone to generate your insurance plan. Though the policies seem expensive, most Hanover Car Insurance reviews are positive. The company usually gets lesser complaints about claims service and settlements.
The Hanover company’s one major drawback is that its average premiums are typically costlier than many other insurers. But the higher limits or extra coveragewill get you more value for your money. The Hanover appreciates the requirements of individuals seeking first-class, comprehensive coverage. The company possesses an above-average rating for satisfaction, complaints, and stability.
Not all can buy a policy from The Hanover company as they serve only in 28 states. The Hanover Car Insurance customer servicehas an average track record for customer service, depending on which of its subsidiaries you purchase coverage from.
Customers need to contact an agent from thecompany’s offices to get a quote. But the company does offer online bill payment and detailed policy information on its website.
The company provides apps on both Android and iOS platforms.
You can use Hanover Mobile to view your insurance ID card, view your policy, make payments, submit claims, and request roadside assistance.Hanover Snap Claims Inspection lets you upload photos to get a repair estimate after filing aclaim.Hanover SmartPath tracks teens’ driving habits, such as braking, speeding, and distraction.
The Hanover Car Insurance has an A+ rating from BBB. AM Best has given the insurer an A rating for its financial strength, which promises its ability to pay claims well.
This insurance company began as a fire insurance company in 1852. Since then, the Hanover Insurance Group has ventured into auto insurance, homeowners' insurance, watercraft coverage, umbrella insurance,and other services in 28 states and WashingtonDC. In 1994, the company was renamed Allmerica Property & Casualty Companies, Inc. Allmerica Financial Corporation changed its name to The Hanover Insurance Group, Inc. on December 1, 2005. The company is the parent company of two divisions - Hanover Insurance and Citizens Insurance.Customers can get auto, home, and business insurance from these companies.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Yes, but the policy premiums are expensive. The company has an A rating for its financial strength from AM Best, which promises its ability to pay claims well.
Hanover car insurance is not known for being the most affordable car insurance provider. The policy rates are higher than the majority of the competitors. The higher premiums come with extra coverage than lower-cost competitors.
You will get coverage for rental cars with Hanover’s Platinum Auto Elite coverage. The company will cover the cost if you have an accident in a rented car while using this feature, and it also pays for the damage to the rented car.
Access your digital insurance card through the app. You no longer need to carry your physical insurance card with you.
Receive reminders before your renewal. Way.com will also send new quotes from up to 45 insurance companies with your renewal reminder.
Keep everyone on your policy up to date by sharing your insurance information.
Make changes to your policy right from the app (coming soon) and ask for expert advice.
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