You'll find a Hanover car insurance family coverage plan to fit the needs of any family and any family buget
If you're shopping for car insurance, Hanover Car Insurance family coverage could be the solution. With family car insurance from Hanover, you can get the coverage you want and need at a rate that won't bust your budget.
Build a coverage package fitting your needs
If your family is only going to need coverage to fulfill your state's legal obligations, a Hanover car insurance family liability plan could be sufficient. Even if you're a family that can have adequate protection with a liability-only approach, seriously consider putting coverage limits in place that exceed your state's minimum requirements as state-mandated levels are notoriously low. If you or a family member are involved in an accident and are at fault, liability coverage will pay the injured party's expenses but if those expenses exceed the coverage levels you have in place, you may have to pay out-of-pocket to make up the difference, or you could be sued in court for it.
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If your family is like the majority of families drivng today, you'll need something more than liability only. Hanover car insurance family coverage plans can include any or all of these standard policy options added to the basic liability levels:
- Medical payments coverage
- Uninsured/underinsured motorists coverage
- Collision coverage
- Comprehensive coverage
There are a few states that require licensed drivers to include medical payments and/or uninsured/underinsured motorists coverage on a policy in addition to liability levels. Be sure your family coverage meets all legal requirements.
If your family car is being financed with an auto loan or if it's under a lease, you may be required to add collision or comprehensive or even both options. Car loans and leases routinely have terms and conditions requiring drivers to maintain insurance that protects the interests of the lender/lessee in the event of an accident.
Hanover's family-friendly enhancements
You can also add a variety of enhancements to your Hanover car insurance family policy. For example, if you modify the roof of your vehicle to accommodate for height, install new carpeting or specialized seats, additional customized equipment coverage (ACE) will pay the cost to repair or replace these items in the event they're damaged in an accident. ACE will also cover permanently installed electronic items, such as stereos, computers, DVD players or special antennas.
You can also purchase accident airbag deployment coverage, and in the event someone is killed in an accident in a covered vehicle, the accident death benefit coverage will pay $10,000.
You may also want to explore some of these add-ons that can benefit a growing family of drivers:
- Roadside assistance
- Rental reimbursement/travel support
- Accident forgiveness
- Vehicle replacement
(Not all of these options are avialable in all states so be sure to check in with your Hanover represenative to see which ones are available to you.)
Family-friendly discounts
Adding drivers, especially teen drivers, can add quickly and substantially to your family car insurance premiums. Hanover knows this. To help you get all the coverage you need for all your family's drivers, and to keep expenses within the family budget, Hanover offers a wide range of premium discounts you can apply for to lower your bill without lowering your coverage. Some of the standard discounts available include:
- Multi-car discounts
- Paid-in-full discounts
- Multi-policy discounts
- Safety devices discounts
- Anti-theft devices discounts
- Safe driver discounts
- Good student discounts
- Student-away discounts
Depending on the state where you live and drive, other discounts may be available. Be sure you ask your Hanover representative about all the car insurance premium discounts your familty can apply for.
Whether you're looking to save money or want a policy that offers more services, Hanover car insurance is worth a look. With locations throughout the United States, the company's policies could help protect your vehicles and your family with the products you want and need. It might help you if you contacted an agent to discuss your needs and to even view some sample policies before you buy. Reply! can be of service here by connecting you to car insurance agents in your area experienced in putting together family car insurance coverage plans.