The Hanover Insurance Group Auto Insurance Review

Introduction

Founded and set into motion in 1852, this insurance provider started by serving insurance for fires. Since then, the Hanover Insurance Group has expanded to include other types of insurance in 28 different states and Washington, D.C. The Hanover Insurance Group also maintains an A rating for its financial strength from AM Best.

When it comes to their auto insurance coverage options, The Hanover Insurance Group offers all the insurance coverage options. Available coverages include liability insurance, comprehensive coverage, and collision coverage, as well as a range of add-ons such as roadside assistance, new car replacement coverage, and original equipment replacement coverage.

This provider also provides a dedicated premium auto insurance plan named Hanover Prestige Auto. This upgradeable package offers a choice between additional perk options such as enhanced rental car coverage, full replacement cost coverage, and more. Customers are also able to bundle their homeowners and auto insurance coverage under the Hanover Platinum plan, which offers enhanced coverage.

It's important to be sure you're not paying too much for vehicle insurance. Unfortunately, this service provider has expensive median rates.

To purchase insurance from The Hanover, you need to talk to an agent to receive a quote. First, you will have to read about the coverage they feature and potential discounts you can qualify for.

Company Overview

Hanover Insurance Group has been in operation for over 100 years, giving customers outstanding services on websites like Trustpilot. In addition to auto insurance, Hanover Insurance Group also provides homeowners insurance coverage, renters insurance, umbrella insurance, and more.

The Hanover Insurance Group still sells policies through its independent agents less thoroughly than other insurance companies that have done the same. This can appeal to those looking for a personalized insurance experience, however, you'll have to deal with an independent agent to obtain an estimate of rates ahead of making a final decision.

Pros Explained

Fewer consumer complaints than average based on their market share: The National Association of Insurance Commissioners compiles consumer insurance complaints into a central location, and this company's market share is below the average based on that.

• Plenty of flexible coverage options to consider: The Hanover Insurance Group has a variety of insurance options. 
• Excellent customer reviews found online: Trustpilot currently has more than 1,900 reviews, with an average of 4.9 stars.

Cons Explained

• Only available in 28 states and Washington D.C.: The Hanover Insurance Group doesn't offer car insurance in every state; therefore, you may have to get quotes from different providers.
• Below average ratings for customer service: J.D. Power's 2021 U.S. Auto Insurance Study revealed that this company had an average score in a geographic area across the United States.
• You have to speak with an agent to get a quote: Hanover Insurance Group doesn't provide free online automobile insurance quotes.

Types of Coverage

The Hanover Insurance Group offers many types of auto insurance policies, including the following:

• Bodily injury liability: If you are involved in an accident that results in bodily harm or even death, this coverage can help you financially. 
• Collision coverage: This type of auto coverage would be used to recover your car after an accident if you were at-fault for the incident.
• Comprehensive coverage: This type of coverage can help you repair your vehicle in the event there is damage caused by an occurrence, not an accident, with another car. For instance, comprehensive auto insurance can cover hail damage, vandalism, and more.
• Medical payments coverage: This insurance can grant financial help to relatives who are not household members if the insured is injured in an incident. 
• Newer car replacement coverage: If you acquire your automobile after an accident, this coverage will reimburse you for its current cash value minus your deductible.
• Original equipment manufacturer (OEM) parts: You will get original replacement parts for your vehicle if it's being repaired after an accident or collision in this coverage option.
• Roadside assistance: Customers can add service to their cover that will cover their rental car expenses while their vehicle is in the shop for a covered accident. 
• Transportation expense coverage: This safety can cover the rental payment while your vehicle is being repaired.
• Uninsured and underinsured motorist coverage: If you're in an accident with a driver who has no insurance or inadequate insurance, this type of safety insurance will offer you financial resources.

Hanover Prestige

In addition to the coverage options we listed above, this company offers an enhanced personal auto insurance product known as Hanover Prestige. With this added benefits plan, customers can save on their car rental coverage, a basic travel benefit, OEM parts during repairs, and new car maintenance coverage.

Discounts

The Hanover Insurance Group offers many methods for saving money on premiums, and you may be able to stack a number of different discounts. Various advertised discounts and savings from this company include:

• Paid-in-full discount: Getting a discount on deductibles when you set up anti-theft devices on your car will allow you to save money on car insurance. 
• Anti-theft devices discounts: Paying for multiple vehicles in The Hanover Insurance 
• Multi-car discount: Group can save you money on insurance. 
• Accident prevention courses discount: Qualify for a discount on your premiums if you have completed a qualifying defensive driving class.
• Good student discount: Kids who can demonstrate excellent grades or have obtained a high GPA are eligible for a discount. 
• Student away at school discount: If your child takes off to college and takes their car, you may secure a discount on your policy.

Payment Options

The Hanover Insurance Group makes it simple to make a payment, and that is also true whether you want to pay manually or set up automatic payments. Ways you can make your auto insurance premium payment include:

• Electronic Funds Transfer (EFT). 
• Online payments can be made by check or debit card, or by credit card online. 
• Pay by phone with check, debit card, or credit card. 
• Mail a check or money order.

It's worth noting that after you pay your car insurance premiums with a credit card, this service provider accepts American Express, MasterCard, Discover, and Visa.

Loss Ratio

The Hanover Insurance Group has a loss ratio of about 67 percent, which is somewhat above average among the auto insurers we examined. Take your pick from among some of the other insurance companies we analyzed, such as Berkshire Hathaway, State Farm, Erie Insurance, and American Family Insurance.

Other Features

Hanover Insurance Group offers its policyholders a special program known as auto claim dividend, which works to thank them for their own commitment to safe driving. This program can result in your auto insurance deductible reaching $100 less per year for controlling and driving their cars successfully.

Customer Service

The Hanover Insurance Group sells their insurance policies directly to a network of independent agents, which is a plus if you prefer working with someone to design your policy.

The Hanover Insurance Group has established an online portal where you can monitor your coverage, initiate or manage your claims, pay your bill, and more. The company also offers a mobile app with similar options and options.