Auto-Owners vs Horace Mann Car Insurance for 2023

Auto-Owners Insurance and Horace Mann are two of the most popular car insurance companies in the United States. Both companies offer a variety of insurance policies, discounts, and exceptional customer service.

• Auto-Owners Insurance has been named as the highest-ranked insurer in customer satisfaction with the auto insurance claims experience by J.D. Power for 2021.
• Horace Mann offers insurance policies specifically designed for educators and their families.
• Both Auto-Owners and Horace Mann offer a variety of discounts to help you save money on your car insurance premiums.

In this article, we’ll compare Auto-Owners car insurance vs Horace Mann car insurance to help you decide which one is right for you.

History and Mission: Auto-Owners vs Horace Mann

Auto-Owners Insurance was founded in 1916 by Vern V. Moulton in Michigan. Today, the company is headquartered in Lansing, Michigan, and provides insurance policies to customers in 26 states. Auto-Owners Insurance prides itself on its financial strength, stability, and excellent customer service. The company’s mission is to provide their policyholders with peace of mind and protection through innovative insurance products and exceptional service.

Horace Mann was founded in 1945 in Illinois, and its headquarters are located in Springfield, Illinois. The company was originally created to provide affordable insurance to teachers and educators. Today, Horace Mann provides insurance policies to educators and their families in 48 states. Horace Mann’s mission is to provide educators with personalized insurance products and services designed to meet their unique needs and circumstances.

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Products and Services

Auto-Owners Insurance and Horace Mann Insurance are two of the biggest names in the car insurance industry. Both companies offer a wide range of products and services that cater to the needs of different types of drivers. Here’s an overview of the main products and services offered by each company:

Auto-Owners Insurance:

Auto-Owners Insurance offers a variety of coverage options for drivers, including liability coverage, collision coverage, comprehensive coverage, and personal injury protection. The company also offers additional coverage options like roadside assistance, rental reimbursement, and gap insurance. Auto-Owners Insurance also offers home, life, and business insurance policies.

Horace Mann Insurance:

Horace Mann Insurance is primarily focused on providing car insurance coverage for educators and their families. The company offers liability coverage, collision coverage, and comprehensive coverage. Horace Mann Insurance also provides additional coverage options like roadside assistance, rental reimbursement, and glass coverage. In addition to car insurance, Horace Mann Insurance offers life, home, and disability insurance policies specifically designed for educators.

Cost of Coverage

The cost of car insurance can vary widely depending on a range of factors, such as your location, driving record, age, gender, credit score, and the type of car you drive. Both Auto-Owners and Horace Mann offer competitive rates for their policies, but the cost may differ depending on these factors.

According to the National Association of Insurance Commissioners, the average cost of car insurance in the United States in 2018 was $1,004. Auto-Owners’ rates are in line with the national average, but they can vary depending on the specific details of your policy.

Like Auto-Owners, Horace Mann’s rates can vary depending on several factors. According to the National Association of Insurance Commissioners, Horace Mann’s average premium for car insurance in 2018 was $717. Horace Mann’s rates are typically lower than Auto-Owners, but this may not hold true for all customers.

It’s essential to compare policies and get quotes from multiple companies to find the best policy that fits your budget and coverage needs.

Discounts Available

Auto-Owners offers a range of discounts to help customers save money on their policies. Some of the most popular discounts they offer include:

• Safe driver discount: If you have a clean driving record with no accidents or violations, you may be eligible for a safe driver discount.
• Multi-policy discount: If you have multiple policies with Auto-Owners, such as car insurance and homeowners insurance, you may be eligible for a multi-policy discount.
• Vehicle safety discount: If your car has certain safety features, such as anti-lock brakes or airbags, you may be eligible for a vehicle safety discount.
• Paid-in-full discount: If you pay your premium in full upfront, you may be eligible for a paid-in-full discount.
• Paperless billing discount: If you choose to receive your bills and policy documents electronically, you may be eligible for a paperless billing discount.

Horace Mann also offers a range of discounts to help customers save money on their policies. Some of the most popular discounts they offer include:

• Safe driver discount: If you have a clean driving record with no accidents or violations, you may be eligible for a safe driver discount.
• Multi-policy discount: If you have multiple policies with Horace Mann, such as car insurance and homeowners insurance, you may be eligible for a multi-policy discount.
• Educator discount: Horace Mann offers special discounts for teachers and educators. If you work in the education field, you may be eligible for an educator discount.
• Vehicle safety discount: If your car has certain safety features, such as anti-lock brakes or airbags, you may be eligible for a vehicle safety discount.
• Good student discount: If you are a student with good grades, you may be eligible for a good student discount.

Both Auto-Owners and Horace Mann offer a range of discounts to help customers save money on their policies. It’s important to note that the discounts offered may vary depending on the state you live in and other factors. It’s essential to talk to a representative from each company to learn more about the discounts available and to find the best policy that fits your needs and budget.

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Customer Feedbacks

Auto-Owners has received positive customer reviews for their excellent customer service and claims handling. Many customers have reported a positive experience when filing a claim, and the company has a reputation for being quick to respond to customer needs.

Customers have also praised Auto-Owners for their competitive rates and a wide range of coverage options. The company has a strong financial rating and has been praised for their stability and reliability as an insurance provider.

Horace Mann has received mixed customer reviews, with some customers reporting positive experiences and others reporting issues with claims processing and customer service.

Customers have praised Horace Mann for their competitive rates and coverage options, as well as their discounts for educators. However, some customers have reported issues with the claims process, including delays and difficulty getting their claims approved.

Roundup: Auto-Owners vs Horace Mann

In conclusion, both Auto-Owners and Horace Mann offer competitive car insurance rates and a range of coverage options. Auto-Owners has a strong reputation for excellent customer service and claims handling, while Horace Mann is known for their discounts for educators.

When it comes to cost, Auto-Owners tends to be slightly more expensive than Horace Mann for similar coverage, but it’s important to note that individual premiums will vary based on factors such as age, location, and driving record.

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