VTC Insurance Group VTC Insurance Group
Citizens Insurance, a company of The Hanover Insurance Group, offers the Platinum Experience which is designed to give you a wide range of insurance protection options and benefits into one account.
Hannigan Insurance writes Citizens Insurance policies for Car Insurance, Homeowners Insurance and Renters Insurance. Citizens was founded in 1852 and is currently located in Worcester, MA.
A.M. Best Financial Rating
A.M. Best Issuer Credit Rating
Citizens Service: (800) 345-5509Citizens Claims: (800) 628-0250 |
| Coverages | Citizens |
|---|---|
| Accident Forgiveness | |
| Audio/Visual Equip. Coverage | |
| Broad Collision | |
| Car Rental | |
| Custom Parts and Equip. | |
| Emergency Assitance Package | |
| Extended Non-Owned Auto | |
| Extra Equipment | |
| Full Glass Coverage | |
| Lease/Loan Gap Coverage | |
| Minor Violation Forgiveness | |
| New Car Replacement | |
| Rental Coverage Upgrade | |
| Roadside Assistance | |
| Snapshot | |
| Total Loss Deductible Waiver | |
| Towing | |
| Travel Right | |
| Trip Interruption | |
| Vanishing Deductible | |
| OEM Parts Coverage |
If you are looking to get Homeowners Insurance with Citizens, they have certain restrictions on what types of Dog Breeds you can own. Here is a list of ineligible dog breeds:
Akita
Pit Bull Breeds
Mastiff Breeds
Chow Chow
Rottweiler
Doberman
American Staffordshire Terrier
Wolf HybridsWe analyzed insurance quotes in mid January 2016 for a typical demographic. The household we quoted has a 32 year old man and 32 year old woman who are married and have obtained a Good Credit rating (700-749). The couple we quoted are from a suburb in Southeast Michigan; location can modify home and auto insurance premiums drastically, that is why we used a typical area in Michigan. We quoted the household for two cars, a 2010 Ford Fusion and a 2010 Buick Enclave. We looked to see the price of Citizens Auto Insurance premiums and Citizens Home Insurance premiums, given separately, and then bundled (which typically saves up to 25%).
($767.00 - 6 months)
($635.00 - 6 months)
| POLICY LEVEL COVERAGE | |
|---|---|
| Bodily Injury | 100,000/300,000 |
| Property Damage | 100,000 |
| Combined Uninsured/Underinsured | 100,000/300,000 |
| PIP - Medical | Excess |
| Property Damage Buyback | Yes |
| PIP - Wage | Full Coverage |
| Accidental Death Benefit | 20,000 |
The home was built in 2005 and is 1,400 square feet. The home does not contain any Ineligble Dogs nor Trampoline. It contains a Finished Basement and Swimming Pool.
($665.00 - 12 months)
($452.00 - 12 months)
| COVERAGE | LIMIT |
|---|---|
| Dwelling | $267,000 |
| Other Structures | $26,700 |
| Personal Property | $200,250 |
| Loss of Use | $80,100 |
| Personal Liability | $1,000,000 |
| Medical Payments | $1,000 |
Citizens Auto Insurance Premiums came in at $127.80 a month. Citizens Multi-Policy Discount gives a significant decrease in the auto premium at only $105.90 a month. The price for the homeowners insurance policy was $55.40 a month compared to the Multi-Policy Discount discounted to $37.70 a month.
So what do you think? Do you like these prices? Care to find out what price you can get with Citizens? Get an insurance quote today, it's free and we do all the leg work for you to compare Citizens Insurance to many other insurance carriers.
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