Connections®

Auto

A U T O I N S U R A N C E

The right coverage for every stage of your driving life.

Smart consumers like you demand

competitive rates and products.

We offer industry leading products

and “Smart Savings,” giving you great

coverage and confidence that you’re

not sacrificing protection when it

matters most.

We make choosing the right auto insurance easier.

Getting the right automobile insurance can seem pretty complicated. Connections®

Auto’s flexible coverage lets you put the right package together for your needs.

112-2829MI (9/09)LC 09-303

The Hanover Insurance Company 440 Lincoln Street, Worcester, MA 01653

Citizens Insurance Company of America 645 West Grand River Avenue, Howell, MI 48843

This material offers a brief description of coverages and programs and is provided for informational purposes only. Actual coverages may vary by state. Options and credits are not available in all states. For terms, conditions, exclusions, and limitations, please refer to your policy.

Policies are underwritten by Citizens Insurance Company of America and/or Citizens Insurance Company of the Midwest, companies of The Hanover Insurance Group. Participation in the group auto and home insurance program is based upon group membership and company underwriting guidelines.

Connections, Citizens Insurance, The Hanover Insurance Group with Eagle icon, and “Our policy is performance” are trademarks of The Hanover Insurance Group, Inc. All other trademarks are the property of their respective owners.

w w w . h a n o v e r . c o m

Our pOlICy Is perfOrmAnCe™

Citizens Insurance is a leading regional property and casualty insurance company dedicated to achieving world-class performance. Our commitment is to deliver the products, services, and technology of the best national companies with the responsiveness, market focus, and local decision-making of the best regional companies. This powerful combination has been a proven success since our founding in 1915, and is backed by our financial strength rating of “Excellent” from A.M. Best.

112-2829MI Connections Auto Slim Jim.indd 1 9/25/09 8:57:31 AM

Auto

subsTAnTIAl dIsCOunTs = smArT sAvIngs

Citizens is a financially strong, innovative regional insurer and, thanks to our size and stability, can offer substantial discounts and savings:

• Account Credit when you insure both your auto and home with Citizens

• Paid-in-Full Discount on Connections Auto policies• No-fee EFT: savings up to $50 a year• Anti-theft devices• Mature Driver Discount• Multiple-vehicle policies• Youthful Driver Discount

eXpAnded COverAges meAn mOre vAlue And mOney In yOur pOCKeT

Citizens offers many ways to enhance your auto coverage and add extra layers of protection.

Optional Endorsements:

• Roadside Assistance — offering you 24/7 emergency assistance for towing and other roadside service needs

• DriveSmart Advantage — provides: – New Car Replacement Guard – Second Chance Accident Forgiveness – Deductible Dividends

• Travel Right — with Trip Interruption Coverage and Rental Car Coverage, traveling just got easier

• Rental Coverage Upgrade — our Preferred Rental provider will put you in a luxury or large sport utility rental vehicle while your auto is being repaired due to a covered loss

• Extended Non-Owned Coverage — obtain additional liability coverage for the personal use of your company car when you insure your personal vehicle. Single car policies get the added benefit of a multi-car discount

Complimentary Endorsement:

• Ultimate Service — expands your Roadside Assistance and Transportation Expense coverages with Ultimate Towing & Labor and Ultimate Rental

AuTO + HOme = CITIzens HOuseHOld

Insuring your auto and home with Citizens is a valuable option with great benefits:

• Total Household Rewards — includes Child Passenger Restraint System Replacement, Fire Extinguisher Recharge or Replacement, and Mortgage Extra Expense when you insure both your auto and home with us

• Waiver of Deductible — when there is a single loss that affects more than one policy only the highest deductible applies when the loss exceeds that deductible

• Guaranteed Renewal — both your auto and home policy will not cancel or non-renew provided you continue to meet certain conditions

• Account Credit — saving you money off both auto and home premiums

• Account Bill Option — convenience of both your auto and home premiums listed on the same bill

OuTsTAndIng CusTOmer And ClAIm servICes

Citizens’ skilled customer service and claims personnel are among the best in the business. They are expertly trained, knowledgeable, friendly, and dedicated to making our customers’ lives easier and hassle-free. Whether you prefer the convenience of our 24/7 online reporting capabilities, or over the phone at 1-800-628-0520, you’ll notice the difference in your very first contact.

mOre peACe Of mInd frOm CITIzens

Beyond auto insurance, we also provide outstanding home, boat, and umbrella policies. And, we offer several payment plans, convenient payment options and no-fee Electronic Funds Transfer (EFT).

That’s why Connections® Auto, from Citizens Insurance, a company of The Hanover Insurance Group, is an exciting option for drivers. We’ve created an auto insurance product that will cover your needs through all of life’s stages — at competitive rates. Whether you’re a single young professional, a parent of teenagers, or an empty nester, Connections Auto can put you on the road easily and affordably — with the peace of mind you will feel knowing that your auto insurance protection is tailored to your specific needs.

unbeATAble vAlue. eXperT AdvICe. Only frOm An IndependenT AgenT.

Sure, buying auto insurance online is easy. But do salespeople in a centralized location know the pitfalls of your driving area? Citizens believes your local agent better understands the areas where you drive and their challenges (heavy city traffic, icy winters, winding mountain roads, etc.). So we give your agent the flexibility to make decisions and adjustments that perfectly fit your lifestyle. Plus, we support your agent’s expertise with powerful technology that:

• Eliminates complicated forms• Accurately assesses your unique characteristics • Provides real-time price quotes and

coverage recommendations

Your local agent, using expertise gained from serving hundreds of customers with unique needs, will guide you through coverage selections, limits, and deductibles tailored to your specific needs and circumstances. Working together, you may find that you need a different level of coverage than you thought. Perhaps you’ll need higher liability limits, medical payments coverage, coverage for customized equipment, emergency roadside service, and more.

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