Good Drivers Deserve a Break
with our Elite Driver Policy

Are you a careful and responsible driver? Then Grinnell Select wants to reward your efforts with our Elite driver program.

If you qualify for our Elite program, we will provide our best coverage at very attractive rates. Grinnell Select's coverages and rates are hard to beat!

If you answered yes to these questions, chances are, you qualify for the Elite Program. Here are the major coverages under the policy.

Liability insurance is one of the few bargains left. A few dollars provide substantial coverage against financial ruin.

This is the most important coverage you could have because you could be held liable for several thousand dollars in hospital and medical expenses, particularly if several people are injured.

This coverage protects you from financial loss up to your policy limits for damage to the property of others resulting from an accident for which you are responsible.

Damage to another person's vehicle or property such as buildings, mailboxes or fences, etc. are covered under this portion of the policy.

With skyrocketing vehicle and medical costs, it is often wise to purchase higher limits of bodily injury and property damage liability coverages.

In some states, bodily injury and property damage may be combined into a single limit of coverage. This single limit may be used to pay any combination of bodily injury or property damage liability claims.

Most states require drivers have some insurance, but not all drivers comply. Uninsured motorists coverage protects you and other people specified in your policy if injured by a driver without insurance or by a hit and run driver. This coverage also protects you and resident relatives as pedestrians from uninsured drivers.

This coverage pays you and other people specified in your policy for bodily injury caused by a driver with some liability insurance, but not enough insurance to pay for all the damages you are legally entitled to collect.

With the rising cost of hospital and medical care, this coverage can be very important. Coverage is provided for you and your passengers for injuries resulting from an accident. This coverage is different from bodily injury liability because it pays for you and your passengers' injuries.

This portion of the policy covers most damage to your car other than collision, mechanical breakdown, road damage to tires, freezing, wear and tear and electrical failures. Damage must be direct and accidental and not fall within a limited list of exclusions found in the policy.

A partial list of covered damage would include fire, theft, explosion, earthquake, windstorm, hail, water, flood, malicious mischief or vandalism, or collision with an animal.

Collision coverage pays for damage to your car caused by a collision with another car or object. It pays for repair costs even when you cause the accident up to the value of your car at the time of the accident, minus your deductible.

If your car is stolen, coverage for the cost of transportation begins 48 hours after the theft. Coverage ends when you reach your specified limit, when we pay for the loss or when the car is returned.

This coverage is provided without charge when you purchase Not Caused By Collision coverage.

While your vehicle is stolen or disabled because of a covered loss, this coverage will pay for the cost of a rental car subject to a 24-hour waiting period. You will be paid for the first 24 hours if the loss continues beyond that period.

This coverage provides coverage for permanently-installed electronic equipment in your vehicle on a scheduled basis, without a deductible.

This coverage also extends coverage for up to $200 in tapes or CDs.

Check with your Grinnell Select agent to see if you qualify for the following discounts.

If you own more than one car, you can insure them with Grinnell Select under one policy. This discount decreases the rate on each vehicle you insure.

If you insure your home with your FarMutual agent, you may qualify for an auto policy discount.