Frequently Asked Questions

Before you call Grinnell Mutual

Our customer service representatives (CSRs) are always willing to help, but for many of our customers’ needs, agents are the go-to source. If you want to avoid making two phone calls to have your service needs met, check out the list of frequently asked questions, and where you can find your answers in one step. Many things are self-service, so you can avoid the dreaded “hold” music all together!

How do I register for an online account?

Commercial policyholders in Pennsylvania and all policyholders in all other states:

You’ll need your policy number and agency code, which can be found on your invoice, auto ID card, or the Declarations (front) page that came with your policy. If you can't find your policy number please contact your agent.

Begin registration

Pennsylvania home and auto policyholders:

Before you begin the registration process, have handy your policy number (found on the front page of your policy, auto ID card, or invoice), email address, account holder date of birth and ZIP code. If you can't find your policy number please contact your agent.

Begin registration

If you forget your password, follow these steps. On the login screen, click “Forgot password,” enter the information requested, and select “Submit.”

And if you get logged out of your account, call at 800-362-2041 and we will get your account unlocked for you!

How do I pay my bill online?

You can pay your bill using Grinnell Mutual’s customer portal. Registration is required — you’ll need your policy number and agency code, which can be found on your invoice, auto ID card, or the declarations (front) page that came with your policy.

Watch this video to learn how you can pay your bill with Grinnell Mutual in four steps:

  1. Login to Manage My Account.
  2. Tap “Pay Bill.”
  3. Choose the correct policy number from the dropdown menu.
  4. Select payment option, fill in the payment amount, enter your payment information, and tap “Continue” to submit the payment.

NOTE: If your bill is past due, you will need to call 800-362-2041 ext. 2455 to make your payment.

Is there a fee to pay by credit card?

Some third-party services charge you to pay your bill. Whether you pay by credit card via Manage My Account or over the phone, we do not charge fees for you to pay your bill.

What are other ways I can pay my bill?

Whether you pay by mail or through your financial institution's bill pay, please use the address listed on your billing statement.

Can I pay my bill through a third-party bill-pay site?

Web-based third-party services that offer to pay bills for customers are legion. And while the services are legal, their websites can be misleading.

While policyholder payments are routed to Grinnell Mutual (or whatever business you’re trying to pay), these services charge a fee to act as middle-man. They are NOT affiliated in any way with Grinnell Mutual. And because Grinnell Mutual doesn’t collect these fees, it cannot reimburse its customers for them.

Recently, some Grinnell Mutual customers learned that the hard way. In a Google search for “pay my Grinnell Mutual bill” (and other iterations of the same query), third-party bill payment services nearly always come up, often at the top of the page because these companies pay to make that happen. Doxo, Prism, and Mint are a few of them.

The easiest solution, if you don’t want to pay fees, is to pay attention to the URL (web address) of the site you’re looking at. An actual Grinnell Mutual site URL will always have “grinnellmutual.com” included in it.

For example, the web address for Grinnell Mutual’s Manage My Account page (where policyholders can pay online) looks like this: https://m.myaccount.grinnellmutual.com.

Doxo’s URL for paying a Grinnell Mutual bill looks like this: https://www.doxo.com/info/grinnell-mutual-reinsurance. Our name is in the link, but our web address is not.

Paying Grinnell Mutual directly

Grinnell Mutual never charges its policyholders a fee for on-time payments. We accept payments through the Manage My Account policyholder portal, and by mail or telephone. (Want to pay online but don’t have an online account? It’s simple to set one up.)

If you find third-party bill-paying services convenient and cost-effective for your needs, please feel free to use them. It will not affect your service level from Grinnell Mutual.

We are taking steps to minimize the likelihood of our customers inadvertently sending their payments through one of these services, but even as we make progress, so do the companies that sell this service.

There will always be new ways to catch buyers unaware, so the lesson in a nutshell is this: Look before you click.

Can I get a refund?

Yes, in certain situations you may receive a refund from Grinnell Mutual. The most common reasons for a refund are a change to your policy, a policy audit, or an overpayment. If you have a balance on your account, we’ll apply the credit to your balance before sending a refund.

You can contact your servicing agent with your questions about your refund. You can also email uwcsr@grinnellmutual.com or call 800-362-2041 (during business hours).

Why is my payment different this month?

The most common reasons for changes to payment are policy changes.

You can contact your servicing agent with your payment amount. You can also email uwcsr@grinnellmutual.com or call 800-362-2041 (during business hours).

Why is there a credit on my Grinnell Mutual account?

In certain situations you may get a credit from Grinnell Mutual. The most common reasons for a credit are a change to your policy, a credit (following a policy audit), and overpayment.

You can contact your servicing agent with your questions about your refund. You can also email uwcsr@grinnellmutual.com or call 800-362-2041 (during business hours).

Is my information secure?

We take our obligation to protect your information seriously. Our privacy policy explains what data we collect and how we use it.

I made my payment, but a day or two later I got a cancellation notice for nonpayment. Am I still in good standing?

Thank you for your payment. Yes, if you made your payment but received the cancellation notice for nonpayment shortly after your payment, you're still in good standing.

Items in the mail sometimes cross paths. It's possible (but unlikely) that you could receive a cancellation notice for nonpayment after you made your payment. If you do, please accept our apologies. You may disregard it. If you are concerned about whether your payment reached us, you can also:

  • Check your account status using Manage My Account (login required). It will have your up-to-date account status (including payments received).
  • You can give us a call at 800-362-2041 (during business hours).

Access Manage My Account

How do I file a claim?

The answer to that is a bit more complicated. Go to this page to learn more.

How do I get my auto ID card?

As of March 2020, 49 states allow electronic proof of insurance — your auto ID card. The only exception is New Mexico.

Watch this video to learn how you can download your Grinnell Mutual ID card in five steps:

  1. Login to Manage My Account.
  2. Tap “View ID Card.”
  3. Choose the correct policy number from the dropdown menu.
  4. Click “View ID Card.”
  5. Save to your device.

How do I get my Dec page?

"Dec" page is shorthand for Declarations page — the front page of your insurance policy, which lists key information about you, your insured property, and your policy. You can access and download your Dec page using Grinnell Mutual’s customer portal in five steps:

  1. Login to Manage My Account.
  2. Tap “Manage Account.”
  3. Choose the correct policy number from the dropdown menu.
  4. Click “View dec pages.”
  5. Save to your device.

When to contact your agent

Contact your agent if you want to:

  • Add a driver or vehicle to your policy
  • Remove a driver from your policy
  • Change your address
  • Make a coverage change
  • Ask a question about a rate change

You can contact your agent using Manage My Account (login required) or by using the Find an agent feature on our website.