With Stay at Home Orders affecting much of the country during April and May 2020, most insurers are offering a 15% credit on personal auto insurance policies due to reduction in travel.
Most insurers will be placing this as a credit on your account that will be applied toward future bills, however, some will be issuing a refund via check. Please refer to the appropriate section below for details involving how your specific insurer is handling the credit.
This credit is not applicable for business auto policies.
Auto-Owners Insurance
Safe at Home Refund
Due to a reduction in travel across the nation caused by the COVID-19 pandemic, we will be providing up to a 15% premium refund to our personal automobile policyholders for the months of April and May. Here are details:
- This refund will automatically occur. There is no action needed on your behalf.
- The refund will be processed upon regulatory approval. We expect this will take place during the month of May.
- This refund will apply to autos on your policy that include bodily injury coverage.
- If you are enrolled in our Customer Center, you can locate your refund notice when you log in. If you are not enrolled in the Customer Center, please click here to enroll. Your notice will be available upon state regulatory approval sometime in May.
- Your refund will be applied to any outstanding balance on your billing account. Any remainder will be returned via check or your automatic payment method.
- New customers written during the months of April and May will also be eligible for this refund. Policies need to be in force effective May 31, 2020 for the refund to apply.
- Existing customers must have bodily injury coverage in force on March 31, 2020 in order for the refund to apply.
- ATVs, snow mobiles, golf carts, campers and similar items will not be eligible for the refund.
- For Michigan customers, the Michigan Catastrophic Claims Association (MCCA) charge will not be included in your refund calculation. MAIPF/JUA policies are excluded from the refund.
- For North Carolina ceded auto policies, the refund will not apply.
- If you have questions, please contact your Auto-Owners Independent Agency.
Cincinnati Insurance
STAY-AT-HOME PERSONAL AUTO CREDIT
It’s taken all of us staying at home, keeping our distance and practicing strong personal hygiene to slow the spread of COVID-19. As a result of your reduced driving, we’re offering a Stay-at-Home credit to all personal lines auto policyholders.
Cincinnati Insurance and Cincinnati Casualty personal lines auto policyholders will receive a 15% credit per policy on your April and May premiums – pending regulatory approval. No action is required on your part to receive this discount.
Adding this Stay-at-Home credit supports the other actions we’ve taken: pausing cancellations due to nonpayment of premium and waiving late fees until at least May 31; and waiving restrictions on policyholders now performing delivery services in efforts to protect the wellbeing of your communities.
Policyholders who pay your premium directly to Cincinnati Insurance: If you don’t have any unpaid premium for the remainder of your policy term, you will receive a check directly from Cincinnati or a deposit to your bank account if you have signed up for Electronic Funds Transfer. Otherwise, you will receive a 15% credit on your next billing statement.
Policyholders who pay your premium to your agent: You will receive a check directly from Cincinnati. Please continue to pay any remaining installments as usual.
Kemper Insurance
Kemper’s personal auto customers who have a policy in force as of April 30 will be credited 15% of their April premiums in May and customers with a policy in force as of May 31 will be credited 15% of their May premiums in June. The two premium credits will total approximately $100 million that we are returning to our policyholders, pending regulatory approval. There is no action required on your part, and the credits will be applied directly to your policy. If you have already paid your policy in full, you will receive a refund of the credited amounts.
National General Insurance
In support of employees, policyholders and business partners, National General is providing a 15% credit on April premiums for personal auto insurance policyholders. The credit applies to personal auto insurance customers with a policy in force as of April 30, 2020, and will automatically be credited to the policy, subject to state regulatory approvals and other relief requirements.
Penn National Insurance
We are here to help with a Feel Secure Auto Policy credit
Together, we are making a difference in curbing the spread of COVID-19. Staying at home. Driving less. And, driving less means fewer accidents.
We are applying a 15% Feel Secure credit for two months of premiums on Auto policies that are in force as of April 30.
Beginning in May, the credit will be applied to your next premium balance or refunded if your premium has been paid in full.
Progressive Insurance
Personal auto premium credit (NY auto customers see below*)
- If you have an active personal auto policy at the end of April or May, you will be receiving a 20% premium credit. There is nothing you need to do. We will calculate your credit for you at the end of that month, and you’ll see it in your Progressive account a few weeks after that. It’s all automatic—our plan is to provide you a confirmation message when each credit is in your account.
WHAT YOU NEED TO QUALIFY
To receive a credit of 20% of your April premium, your personal auto policy must be active at the end of April. Similarly, to receive a credit of 20% of your May premium, your personal auto policy must be active at the end of May.
WHEN YOU’LL RECEIVE YOUR CREDIT
We’ll calculate your credit within a few weeks of the end of April and May. You’ll receive your credit shortly after that.
HOW YOUR CREDIT WILL BE APPLIED
Once we’ve calculated the credit for your policy, we’ll automatically apply it to any outstanding balance or your next bill. And if you’re already paid in full, we’ll return the credit amount directly to your payment account or issue you a check.
HOW TO ESTIMATE YOUR CREDIT
Because your premium can change throughout the month due to renewal or policy changes you request, we can’t tell you exactly what your credit will be until the end of the month. But you can get a sense of what your credit will be by taking 20% of your normal monthly premium.
For example, if your 6-month policy premium is normally $900, one month of premium would be roughly $150. In that situation, you’d be likely to receive a credit of $30 for April. Then, if your policy stays active, you’d receive an additional $30 for May. Keep in mind that unique policy and billing situations may apply. And if you bought a policy after the first of the month, your credit will be prorated—we’ll base it off of the amount of time you were insured with us that month.
- For more information, please see our premium credit FAQs.
- These credits are subject to approval by your state regulators.
- *For NY customers: NY credits will be applied for premium of the months of May and June, instead of April and May. To receive a credit of 20% of your May premium, your personal auto policy must be active at the end of April. Similarly, to receive a credit of 20% of your June premium, your personal auto policy must be active at the end of May. Credits will be applied within a few weeks of the end of each month. It doesn’t matter when you purchased your policy—you will receive a 20% credit for the premium of those months, and it won’t be prorated. There’s nothing you need to do. We will automatically apply your credit to your policy.
Travelers Insurance
The Stay-at-Home Auto Premium Credit Program provides a 15% credit to U.S. personal auto insurance customers on their April and May insurance premiums. The company will automatically credit customers’ accounts, providing them with prompt and much needed relief during this time.
The program is available to U.S. personal auto insurance customers who have active policies between April 1, 2020, and May 31, 2020.
You will automatically be credited 15% on your April and May auto premiums. These credits will be reflected in future bills.
- If you pay by monthly installment: The credit will be applied to future bills. The April credit will be applied by June 20, and the May credit will be applied by July 20.
- If you have a recurring automatic payment through your bank account (EFT) or credit card: The credit will be applied across future installments, starting in May for the April credit and in June for the May credit.
- If you have already paid your policy in full: The credit will be issued to you via your last payment method – the April credit will be issued in May, and the May credit will be issued in June.
- If you paid by payroll deduction: The credit will be mailed to you via check. The April credit will be mailed in May, and the May credit will be mailed in June.