Auto-Owners vs Southern Farm Bureau Car Insurance for 2023
Auto-Owners and Southern Farm Bureau Car Insurance undergo a detailed comparison, revealing distinct strengths and standout features that set Auto-Owners apart as the preferred choice for comprehensive and reliable coverage.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Nov 25, 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: Nov 25, 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.
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When it comes to navigating the intricate maze of car insurance options, Auto-Owners emerges as the standout choice. In a detailed comparison between Auto-Owners and Southern Farm Bureau, several crucial factors came to light, solidifying Auto-Owners as the top contender for tailored and competitive rates across diverse customer profiles. From credit scores and driving records to mileage and coverage levels, Auto-Owners surpasses expectations by offering the most advantageous rates, making it the go-to option for astute consumers seeking a comprehensive and cost-effective insurance solution. Let’s delve into the pivotal elements influencing insurance rates, where Auto-Owners sets a new standard for excellence in the ever-evolving landscape of car insurance.
| Factors | Auto Owners | Southern Farm Bureau |
|---|---|---|
| Clean Record | $87 | $75 |
| 1+ Ticket | $105 | $95 |
| 1+ Accident | $127 | $110 |
| DUI | $130 | $130 |
| Poor Credit | $150 | $100 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
| Discounts | Auto Owners | Southern Farm Bureau |
|---|---|---|
| Anti Theft | 5% | 7% |
| Good Student | 10% | 10% |
| Low Mileage | 10% | 8% |
| Paperless | 7% | 6% |
| Safe Driver | 15% | 12% |
| Senior Driver | 10% | 11% |
Auto-Owners Car Insurance
Pros:
- Long-standing Reputation: Established in 1916, Auto-Owners boasts a long history and is one of the largest property and casualty insurance companies in the U.S.
- Comprehensive Coverage: Offers a wide range of insurance products, including auto, home, life, and business insurance.
- Financial Stability: Holds an A+ rating from A.M. Best, reflecting strong financial stability.
- Positive Customer Reviews: Generally positive customer reviews, with high scores in the J.D. Power 2021 U.S. Auto Insurance Satisfaction Study.
- Efficient Claims Process: Known for an efficient claims process, providing quick and helpful assistance to policyholders.
Cons:
- Limited Availability: Policies are sold in 26 states, potentially limiting options for customers in other regions.
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Southern Farm Bureau Car Insurance
Pros:
- Specialization in Agriculture: Founded in 1946, Southern Farm Bureau specializes in providing insurance coverage to farmers and ranchers.
- Affordable Solutions: Aims to provide affordable insurance solutions to policyholders while supporting agriculture and rural communities.
- Local Expertise: Agents with local expertise may provide personalized service, as highlighted in case studies.
- Gap Insurance Offered: Offers gap insurance as an add-on, helping cover the difference between actual cash value and the loan amount in case of a totaled vehicle.
- Sound System Coverage: Provides optional coverage for sound systems, allowing customers to tailor their policies.
Cons:
- Limited Coverage Area: Policies are sold in 11 states, potentially restricting availability for customers outside these regions.
- Mixed Customer Reviews: Some customer reviews mention slow claims handling, indicating potential areas for improvement.
Best Car Insurance Choice: Auto-Owners
After a thorough comparison of Auto-Owners and Southern Farm Bureau car insurance, Auto-Owners emerges as the preferred choice based on various factors. Here’s why:
Comprehensive Coverage and Product Range: Auto-Owners offers a broader range of insurance products, including auto, home, life, and business insurance. This diversity provides customers with the convenience of bundling policies for potential discounts.
Wider Geographic Coverage: Auto-Owners policies are available in 26 states, demonstrating a more extensive reach compared to Southern Farm Bureau, which operates in 11 states. This broader coverage enhances accessibility for a larger customer base.
Efficient Claims Processing and Customer Satisfaction: Auto-Owners excels in efficient claims processing, as evidenced by positive customer reviews and a high score in J.D. Power’s Auto Insurance Satisfaction Study. The company’s commitment to prompt and effective resolutions contributes to overall customer satisfaction.
Digital Features and Tech-Driven Solutions: Both companies offer mobile apps and online account management, but Auto-Owners’ commitment to tech-driven solutions, including enhanced roadside assistance, sets it apart. These features provide customers with a seamless and advanced experience.
Positive Customer Feedback and BBB Rating: Auto-Owners has received favorable customer reviews on the Better Business Bureau (BBB) website, with an A+ rating and accreditation since 1953. The positive feedback emphasizes the company’s commitment to good customer service and efficient claims handling.
While Southern Farm Bureau has its strengths, including personalized policy reviews and local expertise, Auto-Owners’ overall package makes it the recommended choice for those seeking a reliable and comprehensive car insurance provider.
Auto-Owners Insurance
Auto-Owners Insurance, founded in 1916 and headquartered in Michigan, has a rich history of over a century. Established with the mission to provide quality insurance coverage and exceptional customer service, Auto-Owners has grown into one of the largest property and casualty insurance companies in the United States.
The company’s financial stability is underscored by its A+ rating from A.M. Best. Auto-Owners operates in 26 states, offering a diverse range of insurance products, including auto, home, life, and business insurance.
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Southern Farm Bureau
Southern Farm Bureau, with its roots dating back to 1946, specializes in providing insurance coverage to farmers and ranchers. Headquartered in Mississippi, the company has a distinct focus on supporting agriculture and rural communities.
Operating in 11 states, Southern Farm Bureau aims to offer affordable insurance solutions to its policyholders. Over the years, it has built a reputation for providing coverage tailored to the unique needs of individuals in agricultural and rural settings.
Products and Services Offered
Auto-Owners offers a variety of insurance products, including auto, home, life, and business insurance. In terms of auto insurance, the company offers liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, personal injury protection, and rental car coverage. Customers can also add on additional coverage options, such as roadside assistance and glass coverage.
Southern Farm Bureau also offers a variety of insurance products, including auto, home, and life insurance. Its auto insurance policies include liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, and personal injury protection.
In addition to standard coverage options, Southern Farm Bureau also offers optional coverage for rental reimbursement, towing and labor, and sound system coverage. Policies are sold in 11 states.
Different Types of Discounts Available
Auto-Owners Insurance and Southern Farm Bureau offer a range of discounts to help customers save money on their car insurance policies. Some of the common discounts offered by both insurers include:
- Multi-policy discount: Customers can save by bundling their car insurance with other policies such as home, renters, or life insurance.
- Safe driver discount: Policyholders with a clean driving record for a specific period can earn a discount.
- Anti-theft discount: If a vehicle has anti-theft devices such as alarms or tracking systems, customers can save money on their premiums.
- Good student discount: If a policyholder has a student driver on their policy who maintains good grades, they can qualify for a discount.
- Military discount: Active or retired military personnel, as well as their families, can qualify for a discount on their car insurance policies.
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Embarking on the Claims Path: Auto-Owners vs. Southern Farm Bureau Car Insurance
Ease of Filing a Claim
Both Auto-Owners and Southern Farm Bureau offer various methods for policyholders to file insurance claims, ensuring convenience and flexibility. Policyholders can choose to file claims online through user-friendly web portals, over the phone by speaking directly with company representatives, or via dedicated mobile apps for added convenience.
Average Claim Processing Time
The speed and efficiency of claim processing can significantly impact policyholders’ experiences. While both Auto-Owners and Southern Farm Bureau strive for efficient claims processing, the specific processing time may vary based on factors such as claim complexity and required documentation. Policyholders should inquire about the estimated claim processing times when initiating a claim to set realistic expectations.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback plays a crucial role in evaluating the effectiveness of an insurance company’s claim resolutions and payout processes. Both Auto-Owners and Southern Farm Bureau have received feedback from policyholders regarding their claims processes. Reviewing this feedback can provide valuable insights into the efficiency, fairness, and overall satisfaction with the claim resolutions and payouts offered by these insurers.
Digital Features: Tech-Driven Solutions by Auto-Owners vs. Southern Farm Bureau Car Insurance
Mobile App Features and Functionality
Both Auto-Owners and Southern Farm Bureau offer dedicated mobile apps designed to enhance the overall policyholder experience. These mobile apps typically provide access to policy details, premium payments, and the ability to file claims. Policyholders can explore the features and functionality of these apps, which are tailored to simplify policy management, especially for those who prefer on-the-go access.
Online Account Management Capabilities
In addition to mobile apps, both companies provide comprehensive online account management capabilities through their websites. Policyholders can access their accounts online to review policy information, make necessary adjustments, and access important documents. These user-friendly online tools empower customers with self-service options, offering flexibility in managing their policies.
Digital Tools and Resources
Auto-Owners and Southern Farm Bureau may also offer digital tools and resources to assist policyholders in gaining a better understanding of their insurance coverage. These resources could include online calculators, educational materials, and guidance to help customers make informed decisions about their policies.
Utilizing these digital resources can be beneficial for individuals seeking to optimize their coverage and reduce insurance costs.
Case Studies: Auto-Owners vs. Southern Farm Bureau Car Insurance
Case Study 1: The Efficient Claims Process
Sarah, a policyholder with Auto-Owners, was involved in a rear-end collision that resulted in significant damage to her vehicle. Concerned about the claims process, she contacted Auto-Owners’ claims department. To her delight, the claims representative was highly efficient and guided her through the entire process with ease.
The insurer promptly arranged for a vehicle inspection, facilitated repairs at a trusted body shop, and ensured Sarah was back on the road in no time.
Case Study 2: The Local Expertise Advantage
John, a resident of a rural area, opted for Southern Farm Bureau for his car insurance needs due to their reputation for local expertise. When he had an accident, John experienced the benefits of this choice firsthand.
The Southern Farm Bureau agent assigned to his case was familiar with the area and quickly arrived at the scene to provide guidance and support. The agent’s local knowledge helped streamline the claims process and provided John with peace of mind during a stressful situation.
Case Study 3: The Enhanced Roadside Assistance
Emily, a policyholder with Auto-Owners, found herself stranded on the side of the road due to a mechanical breakdown. Frustrated and unsure how to proceed, she remembered that her policy included roadside assistance. Emily called Auto-Owners’ dedicated helpline, and within minutes, a professional tow truck arrived to assist her.
The enhanced roadside assistance service offered by Auto-Owners ensured that Emily’s vehicle was safely towed to a nearby repair shop, minimizing her inconvenience.
Case Study 4: The Personalized Policy Review
Mark, a prospective customer, sought coverage for his growing family’s vehicles and reached out to both Auto-Owners and Southern Farm Bureau for quotes. Auto-Owners and Southern Farm Bureau both provided competitive rates, but what set Southern Farm Bureau apart was their commitment to personalized service.
A Southern Farm Bureau agent took the time to thoroughly review Mark’s needs and provided customized policy recommendations that aligned with his family’s specific requirements.
Case Study 5: The Efficient Customer Support
Jane, a policyholder with Southern Farm Bureau, had questions about her policy coverage and reached out to the insurer’s customer support team for assistance. She was pleasantly surprised by the efficient and helpful response she received. The Southern Farm Bureau representative patiently addressed her concerns, provided clarification on policy details, and ensured that Jane felt confident in her coverage choices.
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A Summary of Customer Reviews
Both Auto-Owners Insurance and Southern Farm Bureau have positive reviews from customers. On J.D. Power’s 2021 U.S. Auto Insurance Satisfaction Study, Auto-Owners Insurance received a score of 879 out of 1,000, which is above the industry average. Southern Farm Bureau was not included in the study.
On the Better Business Bureau (BBB) website, Auto-Owners Insurance has an A+ rating, and the company has been accredited since 1953. The insurer has received 3.77 out of 5 stars from customer reviews on the BBB website, with most reviewers mentioning good customer service and prompt claims handling.
Southern Farm Bureau is not accredited by the BBB, but the insurer has a rating of A+ on the organization’s website. The company has received 3.15 out of 5 stars from customer reviews, with some reviewers mentioning slow claims handling.
Frequently Asked Questions
Does Auto-Owners Insurance offer roadside assistance?
Yes, Auto-Owners Insurance provides roadside assistance as an add-on to its policies. Policyholders can receive help for services such as towing, jump-starting a battery, changing a flat tire, or unlocking a car.
Can I get a quote online from Southern Farm Bureau?
No, Southern Farm Bureau does not offer online quotes. Interested customers must contact a local agent to receive a quote.
Does Auto-Owners Insurance offer rideshare coverage?
Yes, Auto-Owners Insurance offers rideshare coverage as an add-on to its policies. This coverage is designed for drivers who use their personal vehicles for ridesharing services such as Uber or Lyft.
Does Southern Farm Bureau offer gap insurance?
Yes, Southern Farm Bureau offers gap insurance as an add-on to its policies. This coverage helps to pay the difference between the actual cash value of a car and the amount owed on a car loan if the vehicle is totaled in an accident.
How can I file a claim with Auto-Owners Insurance?
Policyholders can file a claim with Auto-Owners Insurance by contacting their local agent or by calling the company’s 24/7 claims hotline. The insurer also offers an online claims reporting option through its website.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
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.