Auto-Owners Car Insurance Review (2024)
Auto-Owners car insurance can be purchased a few different ways. Whether you're looking for full-coverage or liability-only, it's important to note that your rates will vary based on certain factors. Your age, location, and driving history will all affect how much you pay for coverage.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
UPDATED: Oct 17, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Oct 17, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- AM Best Rating: A++
- Monthly Rates From: $34-$87
- Types of Coverage: Aircraft, Auto, Commercial Auto, Earthquake, Flood, Homeowners
- Customer Service & Claims Number: 1-888-252-4626
Purchasing car insurance is often accompanied by price shopping and knowing what sort of coverage you may need. If you’re looking into Auto-Owners car insurance, you’ll want to know the basics of how car insurance works and what will affect your rates as well as the history of the company.
Auto-Owners Insurance Average Monthly Rates vs U.S. Average
| Coverage Type | Auto-Owners | U.S. Average |
|---|---|---|
| Full Coverage | $87 | $119 |
| Minimum Coverage | $33 | $45 |
Auto-Owners Car Insurance Costs
When it comes to purchasing car insurance, understanding the cost is a crucial factor in your decision-making process. The price you pay for your Auto-Owners car insurance policy can be influenced by a range of factors, and it’s essential to grasp how these variables affect your premiums. In this section, we’ll break down the key elements that determine the cost of Auto-Owners car insurance, giving you a clear picture of what to expect.
The cost of your Auto-Owner’s car insurance policy can vary significantly depending on several key factors. It’s important to consider how each of these elements can impact your premiums:
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Type of Coverage: The level of coverage you choose, whether it’s liability-only or full-coverage, has a direct impact on your insurance costs. Full coverage tends to be more expensive.
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Personal Factors: Your age, driving history, and location play a significant role in determining your premiums. Younger drivers and those with a history of accidents or violations may pay more.
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Vehicle Type: The make and model of your car can influence the cost of your insurance. High-performance or luxury vehicles typically result in higher premiums.
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Discounts: Auto-Owners offers various discounts that can help you save on your premiums. These can include safe driver discounts, multi-policy discounts, and more.
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Coverage Limits: The coverage limits you choose, such as the amount of liability coverage and deductibles, can affect your premium. Higher limits often come with higher premiums.
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Location: Your geographic location plays a role in your insurance cost. Urban areas may have higher rates due to increased traffic and the potential for accidents.
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Driving Habits: How often and how far you drive can impact your premium. If you have a long daily commute or use your car for business purposes, your rates may be higher.
By understanding these factors and assessing your specific circumstances, you can make informed decisions about your Auto-Owners car insurance coverage and costs. It’s advisable to obtain quotes and consult with an Auto-Owners representative to determine the most suitable coverage for your needs and budget.
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Auto-Owners Car Insurance Breakdown
Auto-Owners offers many types of auto insurance products, including:
- Liability Coverage: This type of car insurance coverage is required by law and protects you in the event that you cause damage to another person’s vehicle or property.
- Collision Coverage: This covers damages to your own vehicle in the event of an accident.
- Comprehensive Coverage: This covers damage to your vehicle that occurs outside of a collision, such as theft or weather-related incidents.
- Personal Injury Protection: This coverage can help pay for medical expenses and lost wages if you or your passengers are injured in an accident.
- Uninsured/Underinsured Motorist Coverage: This coverage protects you in the event that you are involved in an accident with a driver who does not have sufficient insurance coverage.
How much you pay for your policy will depend on the amount of coverage you want. A full-coverage car insurance policy will cost more than a liability-only policy.
Discounts Offered by Auto-Owners
The cost of coverage with Auto-Owners will vary depending on a number of factors, including the type of coverage you select, your driving history, and where you live. However, the company offers a range of discounts to help you save money on your premium. Some of the discounts available include:
- Multi-policy discount: If you have more than one policy with Auto-Owners, such as homeowners insurance or life insurance, you may be eligible for a discount.
- Safe driver discount: If you have a clean driving record, you may be able to save on your premium.
- Good student discount: If you’re a student with good grades, you may be able to save on your premium.
It can be hard purchasing car insurance for the first time. You might notice your rates are going to be different from other drivers.
Navigating the Auto-Owners Claims Process
Ease of Filing a Claim
Auto-Owners car insurance offers policyholders a straightforward and accessible claims process. They can conveniently file claims through various channels, including online submissions, phone assistance, and dedicated mobile apps. This flexibility ensures that policyholders can choose the method that best suits their preferences and circumstances, making it easy to initiate a claim.
Average Claim Processing Time
Auto-Owners prioritizes efficient claim processing to minimize disruption for its policyholders. While the exact processing time can vary depending on the nature of the claim, the company is committed to providing quick and effective resolutions. This commitment to timely claim processing helps ensure that customers receive the support they need promptly.
Customer Feedback on Claim Resolutions and Payouts
Auto-Owners values customer feedback as an essential part of its claims process. The company actively seeks input from policyholders regarding their claim experiences. Customer feedback provides valuable insights into the effectiveness and reliability of claim resolutions and payouts. Auto-Owners continually strives to enhance its claims process based on this feedback.
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Exploring the Auto-Owners Digital and Technological Features
Mobile App Features and Functionality
Auto-Owners car insurance offers a feature-rich mobile app designed to enhance the policyholder’s experience. The app empowers users to efficiently manage their insurance needs, including filing claims, accessing policy information, and performing various tasks on the go.
With features such as claims tracking, policy management, and even roadside assistance, the mobile app serves as a powerful tool for managing insurance-related activities.
Online Account Management Capabilities
Auto-Owners provides robust online account management capabilities through a secure portal. Policyholders can access their account information, review policy details, and handle various insurance-related tasks with ease. This digital platform ensures that policyholders can efficiently manage their policies and access essential information whenever and wherever needed.
Digital Tools and Resources
In addition to its mobile app and online account management, Auto-Owners offers a range of digital tools and resources. These resources may include educational materials, guides on the claims process, and tips for safe driving. Auto-Owners’ commitment to leveraging technology is evident through the diverse array of digital tools available to enhance the overall insurance experience.
Customer Reviews for Auto-Owners Car Insurance
Auto-Owners Car Insurance has a reputation for excellent customer service and reliable coverage. Here’s what some customers have to say about their experiences with the company:
- “I have had nothing but good experiences with Auto-Owners. Their rates are competitive, and their customer service is top-notch.”
- “I had a claim with Auto-Owners after an accident, and they made the process incredibly easy. They were quick to respond and took care of everything.”
- “I have been with Auto-Owners for years and have always been happy with their coverage and service. I highly recommend them.”
When researching car insurance companies, it’s best to look at customer reviews in addition to the financial strength ratings, so that you can get a better idea of how you will be treated.
History of Auto-Owners Car Insurance
Auto-Owners Car Insurance has been providing coverage to drivers for over 100 years. Founded in 1916 in Michigan, the company has since expanded to offer policies in 26 states across the US. Auto-Owners prides itself on its commitment to excellent customer service, as well as its focus on providing comprehensive coverage options at competitive rates.
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Auto-Owners Car Insurance: In Conclusion
Overall, Auto-Owners Car Insurance is a great option for drivers looking for comprehensive coverage with competitive rates. With a range of discounts available and a reputation for excellent customer service, this company is definitely worth considering when shopping for car insurance.
Frequently Asked Questions
Are there choices for Auto-Owners car insurance?
Yes, you can purchase a policy with your desired amount of coverage. This could be as little as liability-only or as much as a full-coverage car insurance policy.
How long has Auto-Owners been selling car insurance?
Auto-Owners was founded in 1916 and currently offers coverage in 26 states.
Will Auto-Owners car insurance be expensive?
Your car insurance rates are going to be based off personal factors such as your age, location, and the vehicle you’re looking to cover.
What is Auto-Owners Car Insurance, and what does it cover?
Auto-Owners Car Insurance is a type of auto insurance policy offered by Auto-Owners Insurance Company. It provides coverage for damages and liabilities related to your vehicle. This includes coverage for bodily injury, property damage, collision, comprehensive, uninsured/underinsured motorist, and more.
Is Auto-Owners Insurance known for good customer service?
Auto-Owners Insurance is often praised for its excellent customer service. They have received high ratings in customer satisfaction surveys and have a reputation for promptly handling claims and providing helpful assistance to policyholders.
Does Auto-Owners Insurance offer roadside assistance coverage?
Yes, Auto-Owners Insurance typically offers optional roadside assistance coverage as an add-on to your auto insurance policy. This coverage can help with services like towing, jump-starts, and locksmith assistance.
How is Auto-Owners Insurance rated by industry experts and customers?
Auto-Owners Insurance has received generally positive reviews from both industry experts and customers. They have received high ratings for financial strength and customer satisfaction from organizations like A.M. Best and J.D. Power.
Is Auto-Owners Insurance available nationwide?
Auto-Owners Insurance primarily serves customers in the Midwest and Southern regions of the United States. While they are not available in all states, they do have a significant presence in the states they serve.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.