Great Northern Auto Insurance Review (2024)
Looking at Great Northern insurance? They offer auto, home, life, and business coverage, and have a financial rating of B+ (Favorable) from A.M. Best. Great Northern Insurance Company is a subsidiary of Chubb Insurance group and specializes in high-risk auto insurance policies. The average cost of comprehensive coverage is $150.36/yr. Learn more in our Great Northern Insurance Company review.
Read moreDaniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Feb 7, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Feb 7, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Great Northern Company
Average Monthly Rate For Good Drivers
$83A.M. Best Rating:
A++Complaint Level:
Low- Great Northern Company sells a variety of auto insurance, including auto policies
- Great Northern Company specializes in insurance products for high-risk drivers
- Great Northern Company uses independent agents and brokers to sell their policies
Searching for the best auto insurance agent and great insurance coverage can be time-consuming. This Great Northern auto insurance review will provide you with all the information you need about this insurer. Is there a Great Northern Insurance Company in Colorado? Who is the Great Northern Insurance Company? A company that sells auto insurance, among other insurance products.
The Great Northern Insurance Company is a subsidiary of the Chubb Group of Insurance Companies To learn more about them, read our Chubb auto insurance review. Great Northern Insurance does not have its own separate website from Chubb.
Although a good driver can get auto insurance through Great Northern, this is a company that specializes in insurance products for high-risk drivers. A high-risk driver is a person who has had a lot of accidents, been arrested for DUI/DWI, or has little driving experience, such as a teen driver.
Looking for Great Northern car insurance quotes? Before beginning this Great Northern auto insurance review, just enter your ZIP code to see multiple options for great auto insurance rates.
What You Should Know About Great Northern
Great Northern Insurance Co. and Chubb, the Great Northern Insurance Company parent company, offer a variety of different insurance policies in all 50 states.
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How do you cancel your Great Northern auto insurance policy?
Great Northern Insurance Company understands that there are many reasons people may need to cancel their auto insurance policy. Because of this, they make it fairly simple to cancel your auto insurance policy should you need to do so.
Watch the video below to get an idea of what to expect when canceling your auto insurance policy.
The process of canceling your auto insurance policy does vary by state, so it is important to make sure that you check with your auto insurance provider to find out what applies to you.
Is there a refund?
Whether you can get a refund on your policy depends on the type of policy and when you choose to cancel. If you choose to cancel a refundable policy in the middle of the policy cycle, you will receive roughly half of what you paid, assuming that you only paid for that cycle.
Since refund amounts may vary and depend on a variety of factors, it is always best to check with your insurance agent to see what factors apply to you.
How do you cancel?
What should you do if you need to cancel your policy? You can cancel your policy at any time simply by contacting your auto insurance agent and letting them know that you’d like to cancel your policy. Your agent will let you know when the changes will take effect and whether or not you are entitled to a refund of any policy premiums you have paid in.
When can I cancel?
You can cancel your policy at any time simply by contacting your auto insurance agent and letting them know that you’d like to cancel your policy. Your insurance provider will let you know what, if anything, is required of you in order to do so.
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How do you make a claim?
What should you do if you need to file an auto insurance claim? In the event that you should need to file a Great American Northern Insurance Company (Chubb) claim, you can file online on the Chubb website by choosing the “Start a Personal Claims” option. Use your Great Northern login to sign in.
You can also contact the Chubb Claims Immediate Solutions Team directly through the Great Northern Insurance Company (Chubb) phone number by using any of the following methods:
- Personal Lines Claims Number – 1-800-252-4670
- Business Claims Number – 1-800-252-4670
- Workers Compensation Claims Number – 1-800-699-9916
- North American Business Claims Number – 1-800-433-0385
You can also contact them at the Great Northern Insurance Company address: 15 Mountain View Road, Warren, New Jersey, 07059.
Chubb’s online and mobile options allow you to file claims, upload documents, and estimate damage through your mobile device.
Watch the video below to get an idea of what you can expect during the claims process.
You may also qualify for legal counsel, including recovery and specialist services, as a Chubb policyholder.
The website also offers an FAQ section if you have any other questions about filing your claim.
Keep reading to learn more about Great Northern Insurance Company.
What are the financial strength ratings for Great Northern?
Is Great Northern Insurance a good company? Neither Great Northern Insurance or Chubb Insurance is accredited or rated by the Better Business Bureau (BBB).
The Great Northern Insurance Company A.M. Best rating is an A++ (Excellent.) Reviews for Great Northern Insurance Company, or Chubb Auto Insurance Reviews, can be found on the Better Business Bureau’s (BBB) website by searching for Chubb insurance reviews on the BBB website.
Chubb business insurance reviews can also be found on the company website. Mexican auto insurance reviews for Chubb Insurance are also available online.
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Great Northern Insurance Coverage Options
One thing you will need to decide before purchasing your auto insurance policy is how much coverage you need. This will depend on your insurance needs.
If you’re financing your vehicle, your loan company may require you to carry full coverage insurance. Otherwise, you’ll need at least the minimum amount of liability insurance required by the auto insurance laws in your state of residence.
If you decide you need more than the minimum coverage required by the state, there are a number of different options available to you as additional coverage. The table below shows some of the different types of policies and coverage available to you, along with what they do.
Types of Auto Insurance Coverage
Auto Coverage Type | Purpose of Coverage |
---|---|
Bodily injury liability | Part of your liability coverage that pays for medical bills if you've injured someone else in an automobile accident |
Collision | Covers damage to your car after an automobile accident |
Comprehensive | Covers damage to your car that happens when you're not driving |
Personal injury protection | Covers medical expenses for you or your passengers after an automobile accident |
Property damage liability | The other part of liability coverage that covers the cost of any property damage you've caused in an automobile accident |
Uninsured/underinsured motorist | Covers the costs if you're in an automobile accident caused by a driver with little or no car insurance |
The video below can help you get a better understanding of the types of policies available to you and how they work.
Always check with your insurance company to see what add-ons, endorsements, and riders are available to you. Also, make sure to take into account price and need when adding these things to your insurance policy.
What are Great Northern’s bundling options?
Many auto insurance providers offer different bundling options. Bundling your insurance refers to purchasing multiple policies from the same company. If you want to learn more about it, here’s what an auto insurance specialist says about bundling rates.
For example, you can purchase your auto insurance policy as well as your life insurance from the same company, if you choose. Most insurance companies offer a discount of anywhere from 5 percent to 25 percent if you choose to bundle.
Check out the video below to learn about the pros and cons of bundling your insurance policies.
Many companies offer multi-car discounts, also. You can think of this as a way of bundling, as well, but in this case, you are buying auto insurance for multiple vehicles. Auto insurance companies offer up to a 25 percent multi-car discount on combined policies.
Great Northern Insurance Rates Breakdown
Looking for affordable Great Northern car insurance? While the price isn’t always the deciding factor when it comes to choosing an auto insurance policy, it is usually one of the most important. Customer satisfaction is another thing that drivers look for when choosing an auto insurance policy from a reliable insurer.
You can take a look at the table below to get an idea of what you might pay for a Great Northern policy depending on how much coverage you decide to buy. The table shows average annual rates based on coverage levels.
Average Auto Insurance Rates by Coverage
Coverage Types | Average Annual Auto Insurance Rates | Average Monthly Auto Insurance Rates |
---|---|---|
Comprehensive coverage | $150.36 | $12.53 |
Collision coverage | $299.73 | $24.97 |
Liability coverage | $516.39 | $43.03 |
Total Full Coverage Cost | $954.99 | $79.58 |
It is important to keep in mind that these are just guidelines. Actual rates for a Great Northern Policy will depend on a variety of factors such as age, driving history, ZIP code, auto theft, and crime rates in your area, etc.
If you’d like to check out the crime rates where you live, you can visit the online database for the Federal Bureau of Investigations (FBI).
Great Northern Discounts Available
Generally, your discount options through the company depend on what each provider has to offer, but many discounts are standard throughout the industry. The table below shows some of the most common auto insurance discounts available, an estimate of how much money each can save you, as well as the major auto insurance companies that offer the discount.
Discounts Offered | Average Percentage of Savings |
Auto Insurance Companies Offering Discounts |
---|---|---|
Low mileage/Low usage discount | Up to 20% | State Farm, Allstate, Travelers, Nationwide, Progressive |
Defensive driving discount | 10%–15% | State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Farmers |
Safe driver discount | 10% | State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Liberty Mutual |
Military and federal employee discount | 8%–15% | Geico, Esurance, USAA |
Good student discount | 5%–25% | State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Liberty Mutual |
Senior/Mature driver discount | 5%–10% | Geico, Allstate, Liberty Mutual |
Homeowner discount | 3% | State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Farmers |
As with any insurance company, Great Northern car insurance does offer discounts to drivers who meet certain criteria, such as being married, having good credit, having multiple policies, and so on.
However, Great Northern is one of the few companies that gives you the alternative of not having a credit check done in order to purchase insurance.
For a person with terrible credit, this can benefit you because, while there is an increase in rates, the increase might not be as much as it would be if they run your credit score. If you have great credit, you should request a credit check so that you can benefit from the good credit discount.
As you can see, it’s always a good idea to check with your insurance provider to see what types of discounts you may qualify for, as they can save you a lot of money on your auto insurance.
What programs are available from Great Northern?
Great Northern Insurance company specializes in insurance coverage for high-risk drivers, likeDUI insurance. They also offer a variety of other insurance policies, as well. In 2015, Ace Insurance purchased Chubb, the parent company of the Great Northern Insurance Company. Ace was absorbed into the Chubb family name and the company began a new era in its development.
You can watch the video below to see the new goals and missions for the company.
Chubb has been underwriting insurance policies for over 225 years and hopes to expand the company to be able to provide better service to its current policyholder and attract new ones, as well.
Ready for Great Northern car insurance rates? If you enter your ZIP code below, you’ll find great auto insurance rates from the industry’s top companies in your area.
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Frequently Asked Questions
What do Great Northern Insurance Company employees have to say?
You can even choose to receive notices that only match the criteria you set so that you don’t receive notices about jobs for which you don’t qualify.
There are a variety of benefits that working for Chubb provides, such as:
- Health Insurance
- Dental Insurance
- Disability Insurance
- Tuition Reimbursement
- Adoption Assistance
Great Northern, along with its parent company Chubb, utilizes the services of independent agents and brokers to sell its insurance products. An agent licensed to sell products for Great Northern will access any information that they need via the Chubb website, so they aren’t limited to just phone and paper communications.
Does Great Northern Insurance Company offer SR-22 insurance?
If you’ve had more than your fair share of traffic citations, automobile accidents, and/or auto insurance claims, you may be considered a high-risk driver.
Normally, high-risk drivers are required to purchase SR-22 insurance, which is not available through all companies , so it may take some looking around to find coverage.
The filing fee to get SR-22 insurance is only $15 – $35, but the increase in rates for SR-22 insurance when compared to rates for drivers without any driving violations on their records is definitely not pocket change. Rate increases for driving violations that result in a driver being forced to carry SR-22 insurance can be as much as $541 a month.
High-risk drivers always pay more for their insurance products than drivers who are considered to be low-risk.
It is in your best interest to ensure you compare the rates of Great Northern with other companies before you sign with them.
Despite the fact that you will most likely face higher rates if you are required to carry SR-22 or high-risk insurance, Great Northern Insurance Company specializes in high-risk insurance so they may be a good fit for you.
How do I get a quote from Great Northern Insurance?
To get a quote from Great Northern, you will have to find an agent that sells its products and get a quote from them. You should be able to get a quote for car insurance in a few minutes using an independent agent.
In addition, your independent agent can provide you with quotes from other companies that they are licensed to sell for as well. The downside to going this route is that an independent agent is limited to the few companies they are licensed to sell through.
Although you choose the company that offers you the lowest rate, this still may not result in the lowest rate possible for your auto insurance.
The solution to this problem is to use a free quote tool instead. With a quote tool, you are presented with the lowest insurance options regardless of who they are.
How can I contact the Great Northern Insurance Company?
Great Northern Insurance Company once had its own office, but then they were acquired by Chubb and now the company is run out of Chubb’s corporate offices.
This company is located at:
- 15 Mountain View Road
Warren, New Jersey 07059
Phone: 908-903-2525
As mentioned above, Great Northern does not have its own website. As a result, there is no further information about locations, phone numbers, etc. Chubb does list Great Northern as a subsidiary, but one without a separate website.
Why would my provider cancel my auto insurance policy?
Your car insurance provider may cancel your policy if you do any of the following:
- Fail to pay your auto insurance premium
- Have your driver’s license suspended or revoked
- Lie during the application process
Also, if you’re found to be a high-risk driver, your auto insurance company may choose not to renew your policy. This should not be the case with a Great Northern policy, however, since they specialize in insuring high-risk drivers.
Can I cancel my Great Northern Auto Insurance policy at any time?
Yes, you typically have the option to cancel your Great Northern Auto Insurance policy at any time.
Are there any discounts available with Great Northern Auto Insurance?
Great Northern Auto Insurance offers various discounts that can help reduce your insurance premiums. These may include safe driver discounts, multi-policy discounts, good student discounts, discounts for certain safety features in your vehicle, and more. It’s worth discussing available discounts with their customer service representatives when obtaining a quote.
Can I bundle my auto insurance with other insurance policies from Great Northern?
Yes, Great Northern Auto Insurance often offers discounts for customers who bundle multiple insurance policies. By combining your auto insurance with other coverage, such as home or renters insurance, you may be eligible for cost savings and other benefits.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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