Auto Insurance

Larrow Insurance provides quality and affordable auto insurance for anyone located in Connecticut, Rhode Island, and Massachusetts. We take the time to review your coverage to make sure not only your vehicle, but you and your family are adequately protected as well.

In addition to offering Horace Mann auto insurance products, we also work with Progressive Insurance and MAPFRE Insurance (Massachusetts and Rhode Island residents only). Additionally, we offer motorcycle and antique car insurance.


Common Questions

  • Liability
      • Bodily Injury – covers losses resulting from injuries you cause to others.
      • Property Damage – covers repair costs or the value of others’ property that have been damaged.
  • Uninsured – protects against losses caused by an at-fault driver who has no liability coverage, or by a hit-and-run driver.
  • Underinsured Motoristsprotects against losses caused by an at-fault driver who has insufficient liability coverage to pay for the loss.
  • Medical Payments covers medical costs for you and passengers in your car when your car is involved in an accident.
  • Comprehensivecovers damage to your vehicle from a variety of non-collision events, including fire, theft, vandalism, falling rocks, hail, or impact from an animal (such as a deer collision).
  • Collisioncovers auto damage that is caused by colliding with another object.
  • Emergency Roadside Service covers charges up to a specified amount if your car is disabled as a result of a covered loss.  Covered expenses may include mechanical labor, towing, delivery of gas, oil, a battery, or a tire. The direct line for Roadside service is 877-272-0030.
  • Rental Reimbursementhelps pay for the cost of a rental car following a covered loss.

We offer a variety of auto insurance discounts including:

  • Educator discount – all employees of any educational institution qualify
  • Multi-line – The more business (home, life, or retirement) you have with us the bigger the discount!
  • Multi-car – There is a discount if we insure more than one car in the household.
  • Payroll – If your school offers Horace Mann auto insurance deductions there is an extra 5% discount if you use this payment plan.
  • Driver safety – If you are 55 and over and take a defensive drivers course
  • Car safety  – In RI, we offer an additional discount if your car has certain safety features
  • Good Student Discounts – If you or your child is under 21 years old and maintains a 3.0 GPA

The founders of Horace Mann believed teachers deserve affordable auto rates, and research shows educators tend to be better drivers. For that reason, educators with a Horace Mann auto insurance policy receive the company’s Educator Advantage® package which offers value-added features and benefits at no additional cost. These include:

    • Waiver of comprehensive deductible for covered vandalism losses on or near school property or school-sponsored event
    • Added roadside service coverage
    • A replacement car if your new car is deemed a “total loss”
    • Up to $1000 in veterinary bills or related expenses if your pet is injured or dies as a result of injuries from a car accident
    • Liability coverage if you transport students

There are a variety of different factors that help determine the cost of your auto policy, from national trends that affect insurance rates across all carriers and types of drivers, to individual factors that affect how much an individual pays. Wondering why your rates have changed recently? Click here to learn more.

Visit Us


898 North Main Street
Killingly, CT 06239
(860) 792-0454