Auto-Owners Auto Insurance Review for 2020
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UPDATED: Nov 17, 2020
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The truth is that you might. There are 26 US states where Auto Owners car insurance can be purchased, especially in the Southern, the Midwestern, and Eastern states. They are a mutual insurance company, which means that every single customer who buys a policy from the company actually owns a small share if Auto Owners. The company has been around since 1916 and its humble beginnings can be traced back to Mt. Pleasant, MI. Today, in addition to protecting your automobile, they also offer life, home, and business insurance policies.
Auto Owners Insurance Review
If you're trusting an insurance company with the responsibility of protecting your most important property, you need to know that they will be there for you, both financially and professionally, if the worst happens. Luckily for Auto Owners customers, their track record shows strong evidence that they are both financially stable, and good at working with customers who have to file claims with them.
|AM Best Financial Strength Rating (2013)||A++|
|NAIC Complaint Index (2012)||0.88 (Better than Average)|
|Better Business Bureau||A+|
Auto Owners Insurance Discounts
Auto Owners, like many large insurance companies which operate in several different states, has a wide variety of discounts to offer their customers. But not all states offer the same discounts, and not all discounts will save you the save amount in every state. However, the Auto Owners website does itemize some of the discounts, and their estimated amounts, for the states of Illinois and Wisconsin:
|Premium Paid-in Full||5 - 11%|
|Good Student Discount (B or higher)||Up to 20%|
|Student Away at School||Up to 25%|
|Airbags||Up to 20 - 35%|
|Anti-Lock Brake||5% off Bodily Injury, Property Damage, and Collision|
|Anti-Theft Device||10% off of Collision|
Naturally, the chart above is just a sample of what Auto Owners has to offer. There are discounts for mature drivers, multiple vehicles, company cars, and even a "green" discount. Unfortunately, this discount doesn't apply to electrics, hybrids, or cars with high MPG ratings; it only applies to clients who opt for paperless billing and online bill pay.
Auto Owners Auto Insurance Options
It's extremely uncommon to find an automotive insurance company which doesn't offer the basics of automotive insurance coverage, such as:
- Liability (Bodily Injury and Property Damage)
- Uninsured/Underinsured Motorist
- Personal Injury Protection
- Medical Payments
But there are some additional types of coverage you can purchase from Auto Owner's that not all automobile insurance companies carry:
- Pet Medical Coverage - If your pet is with you in your vehicle and sustains an injury from an auto accident, you may be covered for up to $750 in vet bills or $1,500 per loss
- Loan/Lease Gap Coverage - if you are driving a new or leased vehicle and suffer a total loss, you won't have to pay the difference between the vehicles appraised worth and the total cost of replacing it
- Personal Auto Plus Package - this form of coverage is truly unique to Auto Owners, and provides for financial compensation in the event of 12 different scenarios which might otherwise cause you severe financial distress. Some of those include identity theft protection, trip interruption coverage, personal property coverage, and more.
Comparing Auto Owners Insurance Quotes
Automobile insurance quotes vary as wildly as they do because it takes so many of your personal circumstances - such as driving history, number of vehicles insured, age, location, and more - for an insurance company to calculate a fair and accurate evaluation of risk.
Above are estimated rates that a single, middle-aged driver and a couple of married drivers on the same policy might be expected to pay with an Auto Owners automotive insurance policy. As you can see, the married drivers who are bundling their policies into one with the same company are eligible for lower rates and potentially greater discounts compared to a solo driver.
Pros and Cons of Auto Owners Insurance
|The Auto-Owners Personal Automobile Plus Package offers coverage and reimbursement for things that most insurers won't cover||Buying extra coverage options could make their rates less competitive compared to other insurers|
|Customers satisfied with service and claims handling from Auto-Owners||No national coverage - Auto-Owners is only available in 26 states|
Auto Owners seems to be a financially strong, reliable company which is dedicated to giving their customers the best possible coverage. However, they are only available in 26 out of 50 US states, which means nearly half the country doesn't have access to their services. Additionally, the abundance of coverage they offer might be excessive in both price and scope if all you need is liability coverage for an older, common vehicle. Whether or not Auto Owners is the right provider for you, you can compare them to other insurance agencies near you by entering your zip code into the box below.
6101 Anacapri Blvd.
Lansing, MI 48917