Republic-Franklin Auto Insurance Company Review

The Republic-Franklin Auto Insurance Company is headquartered in Columbus, OH and offers auto insurance policies to individuals throughout the United States. It is a subsidiary of Utica Mutual, a multinational insurance provider headquartered in New Hartford, NY.

If you need a new auto insurance policy and live in the area covered by Republic-Franklin, consider comparing policy rates! It only takes ten minutes to fill out a form and get quotes from all the insurance providers in your area. If Republic-Franklin’s rates and details make sense for you, consider buying it; otherwise, choose the provider whose quote looks more attractive. Enter your zip code below and save on auto insurance today!

Republic-Franklin Insurance Products and Services

As a property insurer, Republic-Franklin has a specific focus on business clients in the educational, printing and municipal sectors. Other insurance providers owned by the parent company Utica Mutual include Graphic Arts Mutual Insurance, Utica National, and Utica National of Texas.

All the associated insurance companies offer reliable auto, property and asset insurance policies, with fair claims and responsive customer service. The company’s customer satisfaction rate hovers around 98%.

Customers of Republic-Franklin or other subsidiary companies of Utica Mutual living in New York and New Jersey can take advantage of the company’s Direct Repair service, whereby auto repairs at Utica-approved repair shops are guaranteed for the length of the policy.

The main auto insurance policy offered by Republic-Franklin and associated auto insurance providers is known as the Personal EDGE policy. It offers:

• Diminishing Deductible – The driver’s collision deductible decreases for every year without an insurance claim down to the minimum deductible established by state law.
• Airbag Replacement – If the air bag accidentally inflates, the Personal EDGE policy covers the cost of air bag replacement.
• Emergency Expense Payment – Driver emergency living expenses are paid if an accident occurs away from home.
• Green Fuel Discount – Drivers of certified low-emissions vehicles receive discounted auto insurance rates.
• Accident Forgiveness – The impact of the driver’s first accident on insurance premiums may be waived if the driver has not had an accident in the past three years.
• Low Mileage / Collector Vehicle Discount – Drivers of low-mileage or collector vehicles receive discounted insurance rates.
• Reduced Rates for Combined Policies – Consumers purchase multiple insurance policies such as home insurance, auto insurance and liability insurance from Utica Mutual-owned companies such as Republic-Franklin receive discounts on each policy.
• Prepay Discounts – Personal EDGE policyholders who pay their annual insurance premium in full may receive an extra rate discount.
• Online Payment – Consumers may pay for insurance policies through electronic fund transfers or through the website.

About Utica National

The main subsidiary of Utica Mutual is known as Utica National, which is the sister company of Republic-Franklin. Best known as a niche insurance provider, Utica National is most well-known for its Errors and Omissions insurance policies. E&O policies, as they are commonly called, are also known as professional indemnity insurance policies.

These policies pay for the costs of negligence lawsuits against the policyholders. They are typically taken out by businesses that offer products or services to consumers. A lawsuit can bring a company to its knees; paying for an E&O policy every month can help to mitigate those legal costs.

Republic-Franklin, Utica National and other subsidiaries of Utica Mutual typically compete with major national insurance providers including Travelers Insurance, State Farm, Liberty Mutual, Amica Mutual and Allstate. Utica National generated about $540.8m in FY 2010, with about $53.24m in net profits during that period.

Republic-Franklin Insurance Agents

Republic-Franklin does not employ any agents to sell insurance directly to consumers and clients. Instead, its policies are sold by about 1,200 independent insurance brokers throughout the country.

The company employs about 1,500 people in addition to the independent insurance brokers and agents that sell its policies. These include customer service representatives, finance planners, underwriters, IT professionals and claims professionals.

Check, Compare, and Save on Auto Insurance Rates

Not sure of what’s a good auto insurance rate quote? Whether you want Republic-Franklin or another auto insurance company, you’ve come to the right place, Simply enter your zip code below to begin comparing auto insurance providers. Compare quotes today and save!