Allmerica Financial Alliance Auto Insurance Review (2024)

Keep reading to find the best auto insurance companies. 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.

What You Should Know About The Hanover Insurance Group

As a branch of the Hanover Insurance Group, Allmerica Financial Alliance provides diverse auto insurance policies tailored to meet the unique needs of drivers. Policyholders can choose from essential liability coverage, which is mandatory in most states and covers damages to other vehicles or property, as well as injuries to other people in accidents where the policyholder is at fault.

For more comprehensive protection, collision coverage pays for damages to the policyholder’s vehicle in the event of an accident, regardless of fault. Comprehensive coverage, on the other hand, offers financial protection against theft and damage caused by vandalism, natural disasters, and other non-collision incidents.

Additional options such as roadside assistance offer peace of mind through services like towing, flat tire changes, and battery jump-starts. For drivers who finance or lease their vehicles, gap insurance is available to cover the difference between the actual cash value of a vehicle and the balance still owed on the financing.

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. Then compare auto insurance quotes online to see if Allmerica Financial Alliance auto insurance quotes from Hanover are the most affordable option near you.

How to Get Allmerica Financial Alliance Auto Insurance Quotes

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

Keep in mind, however, that it’s always best to find an agent with no affiliation to any particular insurance company. You can also get free car insurance quotes online with comparison tools like ours above. Enter your ZIP code to get auto insurance rates from local companies in your neighborhood.

The Hanover Insurance Group Insurance Coverage Options

Hanover offers a variety of car personal insurance coverage options for Allmerica policies that can be customized to fit the personal Its types of auto insurance coverage may include:

• Liability auto insurance
• Collision or comprehensive auto insurance
• Original equipment manufacturer parts (OEM parts)
• Newer car replacement
• Deductible dividends
• Roadside assistance
• Medical payments coverage
• Personal injury protection coverage

Different Types of Insurance Available from Hanover

Choosing the right auto insurance coverage involves understanding the various options available. Bodily Injury Liability (BIL) covers costs related to injuries or death that you or another driver causes while driving your car. Property Damage Liability (PDL) pays for damages you or someone driving your car causes to another person’s property. Both coverages are part of standard liability insurance.

If you buy Allmerica Financial Alliance auto insurance from Hanover, you can also purchase 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. However, it only covers physical damage, so if you want other types of coverage on these vehicles, a policy will need to be customized specifically for you by Hanover.

For additional protection, Uninsured Motorist Coverage protects you if you’re in an accident with an at-fault driver who doesn’t carry liability insurance. Personal Injury Protection (PIP), available in no-fault states, covers medical expenses and, in some cases, lost wages and other damages, regardless of who is responsible for the accident.

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.

How to Cancel Allmerica Financial Alliance Auto Insurance

Before you decide to cancel car 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.

You’ll want to get in touch with your independent agent and let them know you would like to cancel your auto insurance. 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.

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 on car insurance.

How to Make an Allmerica Financial Alliance Auto Insurance Claim

To file an auto insurance claim with Hanover, call the 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.

Navigating the Claims Process

Step-by-Step Guide to Filing a Claim

Filing a claim with Allmerica Financial Alliance is streamlined for ease:

1. Contact the Claims Department: Immediately after an accident, contact the claims department at 1-800-628-0250. Provide your policy number and the details of the incident
2. Documentation: Submit any necessary documentation, such as police reports, photos of the accident scene, and witness statements
3. Adjuster Assignment: An adjuster will be assigned to your case to evaluate the damage, determine what needs to be covered under your policy, and guide you through the process

The Hanover Insurance Group Discounts Available

Allmerica Financial Alliance offers the following auto insurance 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.

Hanover also offers a bundling discount. So, you can get more affordable Allmerica Financial Alliance auto insurance rates if you have multiple policies 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.

Hanover Auto Insurance Discount Programs

Hanover’s biggest selling point is its Platinum Auto programs, all of which offer a fantastic combination of coverage options.

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

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 Insurance
• 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.

Online Services and Account Management

Policyholders can manage their policies through the Hanover Insurance Group’s online portal at www.hanover.com. After registering for an account, users can make payments, view policy details, update personal information, and file claims. The portal is designed to provide a convenient and efficient way for customers to handle their insurance needs remotely.

How The Hanover Insurance Group Ranks Among Providers

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.

Maximizing Customer Service Experience

For optimal support, Allmerica Financial Alliance encourages policyholders to utilize its comprehensive customer service framework. This includes direct access to insurance agents, a dedicated 24/7 customer service hotline, and an extensive online FAQ section. For specific issues, customers are encouraged to use the personalized agent service where detailed and tailored advice can be provided based on the policyholder’s unique circumstances.

Allmerica Financial Alliance values customer feedback and has established a structured process for handling complaints and resolving issues. Policyholders can submit feedback through the customer service hotline, online portal, or direct mail. All complaints are reviewed thoroughly, and efforts are made to resolve them promptly to ensure customer satisfaction.

Choosing the Right Auto Insurance

Choosing the right auto insurance is crucial for both protection and peace of mind. Allmerica Financial Alliance, under the Hanover Insurance Group, offers a range of customizable options to suit various needs, from basic liability to comprehensive coverage. With dedicated customer support and an efficient claims process, Allmerica Financial Alliance ensures that you are well-protected and supported throughout your policy period.

Enter your ZIP code to compare auto insurance rates and find the best coverage for your needs.