Allmerica Financial Alliance Auto Insurance Review (2020)

It can be tough figuring out which are the best auto insurance companies. Finding a policy that offers everything you need at a price you can afford seems like a tall order, but we’re here to help. If you’re looking for details on Allmerica, we’ve got you covered. From the Allmerica Financial Alliance auto insurance phone number to how to file a claim, all of the hard-to-find details are here.

This Allmerica Financial Alliance Auto Insurance review will tell you everything you need to know about the company, which has been absorbed by Hanover Insurance Group.

Hanover has been selling policies and consistently growing its portfolio of insurance products since 1852. Based in Massachusetts, the company sells insurance in all 50 states and the District of Columbia. It is publicly-traded and has consistently received an “A,” or excellent, financial stability rating from A.M. Best, an independent insurance rating company.

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Hanover: Auto Insurance Ratings

Hanover is a smaller insurance company that you may not have heard of. When most people think about insurance, big names like Geico and Allstate typically come to mind. However, are the largest auto insurance companies the best? Not always.

The Hanover may not be the largest company around, but it is big for a regional insurer. The National Association of Insurance Commissioners (NAIC) ranks it as at number 22 of the 25 largest insurance companies in the nation.

For example, Hanover is the first insurance company to offer a policy called “Toys” coverage. It’s not for all the stuff you buy your kids; it’s for all the fun stuff you buy yourself. This coverage is only available for those who already have a personal auto insurance policy with Hanover, as it’s an add-on and cannot be purchased separately.

The Toys coverage can be purchased to protect motor homes, golf carts, dune buggies, all-terrain vehicles, snowmobiles, antique vehicles, classic vehicles, trailers, and campers.

The policy only covers physical damage. If you want other types of coverage on these vehicles, a policy will need to be customized specifically for you by Hanover.

Because they are a smaller company, they have to be more creative in the policies they offer to attract clients. This means they might have the perfect policy for you. The downside of this, however, is that Hanover’s coverage is only available through an agent, meaning you cannot get an online quote for a policy.

What is Hanover’s availability by state?

According to the Hanover insurance home page, their coverage is not available nationwide. The company only writes auto policies in Arkansas, Connecticut, Georgia, Illinois, Indiana, Louisiana, Maine, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Oklahoma, Virginia, Wisconsin, and Tennessee at this time.

This means you can get Hanover insurance in Howell, Michigan, or Gatlinburg, Tennessee, but folks in Dallas, Texas, don’t have access to a Hanover policy.

Most of the states listed above are among the states with the highest auto insurance rates in the nation. Given that all of the above states require insurance when buying a car, it is important to get a quote for a policy before you make a purchase.

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Hanover Auto Insurance Coverages Offered

Hanover offers a variety of personal insurance coverage options that can be customized to fit the personal insurance needs of its clients.

Hanover home insurance options are:

• Basic policy
• Select policy
• Select plus policy
• Select premium policy
• Select premium extra policy

You should choose your policy based on the coverage you need for your home, the value of your home, and the value of your assets.

Its types of auto insurance coverage may include:

• Various liability limits
• Collision or comprehensive coverage
• State required liability
• Original equipment manufacturer parts (OEM parts)
• Newer car replacement
• Deductible dividends
• Roadside assistance
• Transportation expense
• Medical payments coverage/ personal injury protection

This coverage helps pay legal expenses if you are sued due to an accident or something that happens on your property, or if your identity is stolen.

What are Hanover’s bundling options?

It can be difficult to determine exactly what bundling options are available because Hanover does not offer online quotes, but they do offer a discount for bundling your policies. This is in line with most other major insurance companies.

If you have more than one insurance policy with Hanover, it would be worth your time to verify with your agent that you’re receiving a multi-line discount as well as any other discounts that may be available to you.

What discounts are offered by Hanover?

Hanover states that they offer the following discounts:

• Good Student Discount – Like most insurance companies, Hanover is happy to reward responsible students with a discount. Typically, a discount of this kind is available to students with a B average or higher, but Hanover’s website doesn’t provide their specific requirements, so you may need to reach out to your agent and ask if this is a discount you might be entitled to.
• Student Away at School Discount – If you have a student on your policy who is away at school and won’t have access to your vehicle on a regular basis, you may be entitled to this discount.
• Low Mileage Discount – If you don’t drive much you have a decreased risk of being in an accident. Hanover is happy to reward you for your reduced risk with a discount on your premium.

While these three discounts are the only ones listed on the Hanover website, there are many other potential discounts that may apply to your policy. Check with your agent to see if Hanover will provide any of the following discounts:

• Pay in Full Discount – This discount is available if you pay your premium all at once rather than month-by-month.
• Anti-Theft Device Discount – Many companies offer a discount on your comprehensive coverage if you have certain anti-theft devices installed on your vehicle.
• Multi-Car Discount – You may be entitled to a discount if you insure multiple vehicles with Hanover.
• Safe Driving Course Discount – You may be entitled to a discount if you pass a certified driving course.
• Multi-line Discount – If you have multiple policies with Hanover you should be entitled to a multi-line discount.
• Affinity Groups – If you work for a company that is associated with Hanover auto insurance, or if you belong to an organization connected to the company, you may be entitled to a discount. Check with your agent to see if your employer or organization is affiliated with Hanover.

Keep in mind that insurance companies update their discounts all the time. You may want to verify the current available discounts with your independent agent.

What programs are available from Hanover?

Hanover’s biggest selling point is their Platinum Auto programs, all of which offer a fantastic combination of coverage options. For Hanover platinum insurance reviews, continue reading below:

Platinum Auto Essential

This plan offers some amazing benefits, including:

• Waiver of Deductible
• Child Passenger Restraint System Replacement Coverage
• Original Equipment Manufacturer (OEM) Parts
• Mechanical Parts Replacement
• Ultimate Rental
• Vehicle Key Replacement Coverage
• Excess Custom Equipment
• Excess Electronic Equipment

For more information about the mechanical parts replacement, take a look at the video below:

There are other plans available as well, including:

Platinum Auto Advantage

This plan offers all of the coverages listed above and adds:

• New Car Replacement Coverage
• Newer Car Replacement
• Second Chance Accident Forgiveness
• Deductible Dividends

Platinum Auto Elite

This plan offers everything included in the other two platinum plans and bundles in several other coverages, including:

• Pet Injury Protection
• Rental Car Coverage
• Trip Interruption
• Rental Coverage Upgrade
• Home Care Services
• Accidental Airbag Deployment
• Accidental Death Benefit

You can reach out to your independent agent for details about these plans and how the benefits apply to you.

Canceling Your Hanover Auto Insurance Policy

Before you decide to cancel your Hanover auto insurance, make sure you’re managing your auto insurance policy by having another one set up first. Canceling without having new coverage in place could leave you with a gap in coverage, which would mean your vehicle was unprotected during that time.

A gap in coverage could also increase your rates for your new policy.

Once you have a new policy in place, you may have some questions about cancellation, which we’ll do our best to address here.

Is there a cancellation fee?

The Hanover website doesn’t specify if there is a cancellation fee for terminating your policy. Given that each state has different rules and regulations when it comes to insurance, this isn’t out of the ordinary.

They do state, however, that there may be a processing fee depending on how you pay your bill, i.e., whether you pay directly through their site or a third party vendor.

Is there a refund?

The answer to this question is similar to the statement above regarding cancellation fees.

The laws and rules vary from state to state, so customers in some places may be entitled to a refund while others may not, or may only be entitled to a partial refund.

If you have insurance through Hanover, your best bet is to reach out to your independent agent who arranged your policy and find out whether or not you’re entitled to a refund.

How do you cancel?

Again, you’ll want to get in touch with your independent agent and let them know you would like to cancel your policy. If you used them to purchase a new policy, they may have already put things in motion to cancel your policy through Hanover without any extra work on your part.

You may also find that your new insurance company will take care of your cancellation for you, so make sure to ask when you’re setting up the new policy if taking care of the termination of your old policy is a service that they offer.

If you don’t want to reach out to your agent, you can call the Hanover customer service department at 1-800-922-8427 and they can connect you to someone who can help you get your policy canceled.

When can I cancel?

Most states allow you to cancel an auto insurance policy at any time as long as you have a new policy to replace it to prevent a gap in coverage. Some states may have different rules, however, so check with your state’s insurance website or your agent to make sure you know when you can cancel your policy.

Typically, policies go into effect at midnight and are terminated effective 11:59 p.m. This is the best way to guarantee you’re never left with a gap in coverage.

How to Make a Hanover Auto Insurance Claim

To file a claim with Hanover, call their claims department directly at 1-800-628-0250. They can walk you through the process of filing a claim and answer any questions you may have.

Once you’ve filed a claim, expect to hear from an adjuster within one business day. When you hear from your adjuster, they will:

• Ask you for a statement to get the details of the accident
• Review your policy and the specific coverages that are available to you
• Explain the damage estimate process to you and let you know the next steps in getting your car repaired or replaced
• Inform you whether or not a deductible will apply

If you have any questions about your claim, feel free to reach out to your adjuster or your independent agent.

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How to Get a Hanover Auto Insurance Quote Online

While many of the largest insurance companies in the country offer online quote systems, Hanover requires you to contact an independent agent to get a quote.

If you have questions about how to find an independent agent in your area, you can always search online or use Hanover’s agent search page.

Keep in mind, however, that it’s always best to find an agent with no affiliation to any particular insurance company. This is the only way you can be certain that there is no conflict of interest.

Hanover: Auto Insurance Ratings

There are various organizations that rate insurance companies on everything from financial stability to consumer satisfaction, making it easier for customers to choose which insurance company is right for them.

The ratings for Hanover are as follows.

Rating Agency	Hanover Rating
A.M. Best	A
BBB	A+
Moody's	Baa2
Standard & Poor's	A
NAIC Complaint Index	0.68
J.D. Power	3/5 New England 2/5 North Central
Consumer Reports	Good/Excellent
Get Your Rates Quote Now		#blank#

A.M Best – A.M. Best gives Hanover an A rating on financial stability. Their scale goes from A++ to D, so this is a solid rating, but nowhere near the best possible rating for a company.

Better Business Bureau (BBB) – The Better Business Bureau rates companies on ethics and consumer complaints by state. While the BBB gives Hanover an A+ rating in Massachusetts, the consumers on the site rate the company less than two stars, so it may be worth your time to do some research before making a purchase.

Moody’s – Moody’s rates companies based on financial aspects, from Aaa to C, with Aaa being the highest rating and C being the lowest. In 2019, Moody’s gave Hanover a rating of Baa2, which was an improvement from their rating the year before.

Standard & Poor’s – Standard & Poor’s, otherwise known as S&P, also rates insurance companies based on their financial abilities. On a scale from AAA to D, the company gives Hanover an A rating.

National Association of Insurance Commissioners (NAIC) – NAIC gives Hanover a complaint ratio of 0.68. In this ranking system, lower numbers are much better than higher ones.

J.D. Power – According to J.D. Power, Hanover rates about average across the board, with slightly worse than average ratings in price and slightly better than average ratings in interaction.

Consumer Reports – Consumer Reports, on the other hand, reports that Hanover rates Very Good to Excellent across the board.

These are not the only groups that rate insurance companies, but they are the largest and most well-known. However, one of the best options to find out about Hanover insurance is through word-of-mouth, so ask people you know who have the insurance what they think of the company.

Hanover: Auto Insurance History

Started as a home and business insurance company in 1852, Hanover was very popular with early investors, including famous author Washington Irving. It was named for its original location, Manhattan’s Hanover Square.

In 1911, the company expanded its coverage to include automobiles, underwriting a policy for baseball’s most famous player, Babe Ruth, in 1915.

In 1969, the company moved its headquarters to Massachusetts. In 2013, Hanover reached the milestone of having more than $5 billion in written premiums.

How is Hanover’s online presence?

Online presence is one aspect where Hanover doesn’t really stack up to the competition. While they do have an active website where you can pay your bill and find answers to frequently asked questions, they don’t offer any kind of online quote availability or even a general idea of what your rates might be with the company.

They also don’t appear to have any way to send a question to their customer service department online, providing only an 800 number for those who might need help from a representative.

Their website is set up in this way because you’re required to purchase your policy through an independent agent, which means they expect you to contact that agent with questions regarding your policy and other insurance-related issues you may have in the future.

The company does have a mobile app available, but this is also apparently not very helpful. The app has very low reviews, and users complain that it doesn’t work and they have trouble accessing their accounts.

Some potential customers may find Hanover’s flawed digital presence to be a significant problem. The bigger insurers offer all of their services online, and most have functioning apps that allow you to pay bills, file claims, email questions, and otherwise take care of all of your insurance needs on your smartphone. A lot of people have come to expect these online options from their insurance company.

Does Hanover have commercials?

This is a hard question to answer. Currently, the company does not appear to have any television commercials, but that doesn’t mean they never have or that they never will again.

However, given that they do not have any online quoting available, they may have decided it’s not in their best interest to advertise on TV at this time.

Is Hanover Insurance involved in the community?

Many insurance companies are involved in the community in various ways.

Some companies donate money to large charitable organizations, hospitals, and other non-profits to support their community, while others allow employees to do volunteer work on company time to help build, clean, and organize things in their local community.

Hanover has nothing listed on their website about any charitable work done by the organization. This doesn’t mean that they don’t contribute to their communities, simply that we have no record of any charitable actions they may have taken in the past.

What do Hanover employees have to say?

According to Glassdoor.com, employees have collectively given Hanover 3.8 out of 5 stars for being a good place to work.

74 percent of employees with the company would recommend it to someone looking for work and 89 percent approve of the CEO, both of which are important points to consider when applying for a job.

Payscale shows that the company is in line with its competition when it comes to salary, paying anywhere from $45,000 to $77,000 annually depending on your job title, experience, and seniority.

The employees at Hanover are 57 percent female and 43 percent male, with more than 35 percent of the company just beginning their careers.

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Hanover Business Lines of Insurance

Hanover has insurance for many different types of businesses including:

• A business owner’s policy
• Workers’ compensation
• Commercial auto insurance
• Commercial umbrella insurance

Different businesses need different coverage options.

Hanover is one of the few insurance companies to carry a specific plan for mid-sized businesses. Mid-sized businesses are often overlooked and forced to choose between small business insurance and large business insurance options, neither of which fit the needs of a mid-sized business.

Hanover’s mid-sized business insurance policy is customized to match the needs of the business.

Inland marine policies from Hanover are specifically for businesses that own or operate watercraft. Hanover has policies that are right for both in-depth and simply marine businesses.

Hanover also offers commercial surety bonds. Surety bonds are contracts between a hired contractor and the client. For example, if you hire a construction contractor to build an addition on your home, you would want them to be bonded so if they did not hold up their end of the bargain, or a natural disaster ruined the construction before it was complete, you’d be covered.

The Bottom Line

Hanover tends to be more expensive than its competitors, with lower rankings by most standard metrics. This doesn’t mean the company is a bad choice for you, however.

Their financial rankings are perfectly reasonable and they offer a wide variety of coverages, some of which are not available from the competition, which might be enough to tilt you in their favor.

If you feel that doing business with an independent agent is the best choice for you, it may be worth your time to consider purchasing a policy from Hanover. Ask your agent for a quote and if they know of any other products that might be a better fit for your needs.

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FAQs

If you still have questions about Allmerica or Hanover auto insurance, take a look at some of the most frequently asked questions below:

#1 – Is Hanover good insurance for cars?

This is a tough question. While the company has received decent financial ratings and employees seem happy to be there, the Allmerica financial insurance company customer service ratings tend to be low, and you will require a middleman to access their service.

However, their platinum plans and Toys coverage make them unique in the market, so if these things appeal to you it might be worth your time to reach out to an independent agent for a quote.

#2 – How do you receive Hanover discounts?

Hanover offers a number of discounts, though that information is difficult to find on their website. You can review the section on discounts above or reach out to your agent for more information.

#3 – What is the Hanover Insurance A.M. Best rating and what does it mean?

Hanover Insurance has an A rating with A.M. Best, which is considered “Excellent.” While its rating could be higher, it’s high enough to indicate that they should have no problems paying claims in the foreseeable future.

#4 – How big is Hanover Insurance?

When compared to other insurance companies, it’s not very big. Hanover does, however, offer a huge number of products on a national and international level, which is a significant accomplishment.

#5 – What is the Hanover Insurance logo?

The Hanover logo is a stylized image of the company name. It isn’t a symbol and has no additional colors, which can be confusing for people who are used to logos that have a bit more pizazz.

#6 – Is there a Hanover Insurance blog?

There is no indication of a blog anywhere on the Hanover website.

#7 – What other companies are subsidiaries of The Hanover?

AIX and Nova Casualty are among the subsidiaries of The Hanover. Hanover also owns all of the Citizens companies, including Citizens Insurance Company of the Midwest. Allmerica Financial Benefit Insurance Company of Metairie, LA is also a subsidiary, but a different company from Allmerica Financial Alliance.

Although the name is similar, All American is not a Hanover company, and All American Financial Insurance claims are not handled by The Hanover.