Auto Insurance Discounts

We offer a number of discounts to make auto insurance premiums affordable for policyholders.

Multiline discount

Educators who have multiple lines of business with Horace Mann – life or property insurance or an annuity – qualify for a multiline discount on their auto insurance policy. Those with three or more lines of business with Horace Mann may qualify for an additional discount.

Educator discount

Teachers and administrators who have a Horace Mann auto insurance may qualify for a discount just for being an educator.

National Education Association (NEA) discount

Members of the NEA may be eligible to receive a discount on their Horace Mann auto insurance policy.

Good student discount

Full-time high school or college students, or recent graduates, may qualify for a good student discount on their auto insurance policy if they are under the age of 25, have a grade average of at least a “B” or its equivalent, rank in the top 20 percent of his/her class, or are on the Dean’s List or Honor Roll.

Payroll discount

Policyholders who have selected to have their premiums deducted directly from their paycheck may receive a payroll discount for their auto insurance.

Credit union discount

Educators who are members of credit unions may qualify for a discount on their Horace Mann auto insurance policy.

Educator Advantage® benefits*

Teachers and administrators with Educator Advantage® will benefit from:

  • Additional road service protection. Policyholders will receive $50 coverage if they select the $35 option or $75 coverage if they select the $60 option.
  • Reduced comprehensive deductibles. Policyholders with a comprehensive deductible of $50 or more will only pay a $25 deductible if they have a vandalism or malicious mischief claim.
  • Replacement or repair of damages to the policyholder’s car if they had the car for one year or less and it has 40,000 miles or less on it.
  • Coverage for the policyholder, up to the limits of liability set forth in the policy declaration page, while transporting students to and from school activities in an insured vehicle.

Discounts are not available in all states. See your Horace Mann insurance agent for more details.

*Educator Advantage® Endorsement coverages vary by state and are not available in all states. Similar benefits provided under our Advantage Benefits Endorsement in Texas. See your Horace Mann agent for details.

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