Auto Insurance

You always hear about that new car smell. What about that new insurance feeling? It’s the peace of mind that comes from adding protection for all kinds of situations. Grinnell Mutual can help you get that feeling by giving your auto insurance a tune-up.

We believe the ride should be relaxing. Easy. So should your insurance. That’s why Grinnell Mutual offers OnePolicy, a single personal auto policy for your cars, trucks, , and farm truck, and land-based recreational vehicles (RVs).

#OnePolicy = One easy ride

Protection for you and your wheels

Bodily injury
Coverage pays monetary damages, such as medical expenses, to people injured in an accident for which you are found responsible.

Property damage
Coverage pays for damage to the property of others — like vehicles, buildings, mailboxes, fences — when you are found responsible for that damage.

Uninsured and underinsured motorists
Coverage protects you if you are injured by a driver without insurance or with insufficient insurance, or by a hit-and-run driver. You are also protected as a pedestrian from uninsured or underinsured drivers.

Medical payments
Coverage provides medical-care payments for you and your passengers for injuries resulting from an accident, regardless of fault. The rising costs of hospital and medical care make this coverage more important than ever.

Other than collision
Commonly referred to as comprehensive coverage, this covers most damage to your car for “other than collision” losses such as fire, theft, explosion, glass claims, vandalism, or collision with an animal.

Coverage pays for damage to your car when you collide with another car or object. It pays for repair costs regardless of fault, up to the value of your car at the time of loss, minus your deductible.

Value-added coverages

Waived deductible
If you are in an auto accident with another Grinnell Mutual or affiliated mutual company policyholder, we will waive your auto deductible. The same holds true if you have Grinnell Mutual or affiliated mutual insurance on your home or farm and auto, and they are damaged during the same event.

Small at-fault accident forgiveness
We all make mistakes. If you have an at-fault accidnet with payouts of $5,000 or less, your rates won't go up.

Minor violation forgiveness
You will not be charged if you received only one minor violation in the last three years.

Rental car coverage
When you purchase both comprehensive and collision coverage, the policy pays $20 per day for a rental car when your car is stolen or disabled from a covered loss.*

*Higher limits are available at a minimal charge and limitations apply.

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