iconribbonscore90

2/5

discounts

5/5

complaints

4/5

satisfaction

5/5

stability

4/5

affordability


pros

This is an iconWon the 2019 J.D. Power U.S. Independent Insurance Agent Satisfaction Award
This is an iconReceives much lower complaints compared to the national average
This is an iconFosters a long-term relationship for customers through independent insurance agents

cons

This is an iconNot offered in every state
This is an iconNo online quoting
This is an iconOnly accessible from certain independent agents in select states

Getting a free car insurance quote for Auto-Owners Insurance to compare with other car companies is easy. You just have to contact a local independent agent in one of the 26 states their insurance is offered in. Auto-Owners Insurance has received mostly above-average scores from third-party rating systems, making it a great company to consider if you’re unhappy with your current rates. Younger drivers also tend to get lower rates with Auto-Owners Insurance compared to other companies. A clean claims history, utilizing paperless billing and paying your bill on time are just a few ways you can save with Auto-Owners Insurance.

How Does Auto-Owners Insurance Co Auto Insurance Rate?

Insurance companies are rated on different criteria including claims satisfaction, financial strength and customer experience. Companies like J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC) use their own ranking systems to score companies. Auto-Owners Insurance has high rankings from all three companies.

Customer Satisfaction Rating

First Notice of Loss:
5/5
Estimation of Process:
4/5
Repair Process:
5/5
Claims Servicing:
4/5
Rental Experience:
5/5
Settlement:
4/5

Auto-Owners Insurance received a 4 out of 5 stars on JD Power’s auto claims customer satisfaction survey. Auto-Owners Insurance scored highest in first notice of loss, repair process and claims servicing.

Customer Complaint Ratio

Auto-Owners Insurance Co

The NAIC score represents a customer complaint ratio for each auto insurance company. The national median is 1 and Auto-Owners Insurance has a ratio of 0.46. This means they have higher-than-average customer satisfaction compared to other car insurance companies.

Financial Strength

AM Best's Financial Strength Rating measures a company’s ability to pay its insurance obligations. Auto-Owners Insurance has AM Best’s highest rating (A++) and has maintained the same high ranking for years. This rating means they are financially stable and should be able to pay its policyholder’s claims. The rating, however, is not considered a warranty or guarantee.

Loading...

Auto-Owners Insurance Co Insurance Features

Auto-Owners Insurance offers the standard auto coverage most companies are known for, but also has added benefits like diminished value protection, collision coverage advantage and common loss deductible features. They also offer specialty coverage for classic cars as well as modified or custom automobiles. You may be eligible for several discounts, including multi-policy, to save even more on their competitive rates.

  • Type of Feature
    Description
  • Mobile App
    Available for both Apple and Android devices with the same features as the online customer center.

Auto-Owners Insurance Co Auto Coverage

Auto-Owners Insurance’s auto insurance provides the standard and optional auto coverage you’ve come to expect from car insurance companies. But they also have some unique features not found at many other companies. Their business model allows you to build a personal relationship with your local agent, who is there for you when you need them to answer questions, file claims and make sure the coverage meets your individual needs.

  • Type of Coverage
    Description
  • Collision
    Pays to fix damage to your vehicle or replace it if you’re involved in an accident.
  • Personal Injury Protection
    Pays for medical costs, hospitalization and rehabilitation if you are injured in an accident, regardless of fault. PIP also covers lost wages due to injury from an accident.
  • Uninsured
    Protection if you or your passengers are injured or killed, or for property damage if the other person doesn’t have any insurance or not enough insurance to cover the loss.
  • Liability
    Bodily Injury Liability: Pays for injuries to others involved when you’re at fault in an accident, including legal fees. Property Damage Liability: Pays for property damage when you are at fault, including legal fees if you’re sued.
Loading...

Optional Insurance Features and Coverage

Auto-Owners Insurance provides some standard optional features and coverages like most auto insurance companies. Their Personal Automobile Plus Package sets them apart by offering 10 additional features for an extra cost. These features are only available bundled in the package and cannot be bought individually.

  • Type of Option
    Description
  • Rental Reimbursement
    No need to purchase insurance when renting a car, your Auto-Owners Insurance policy will cover the insurance, plus any additional fees or charges if you’re involved in an accident.
  • Roadside Assistance
    Optional coverage if you need assistance including changing a tire, running out of gas, locking your keys in the car, dead battery and more.
  • Gap Coverage
    If your vehicle is totaled in an accident and the value is less than your remaining loan or lease amount, this optional coverage will fill the gap and pay off your remaining loan or lease.
  • Medical Payments
    Pays for medical costs, hospitalization and rehabilitation if you are injured in an accident, regardless of fault. PIP also covers lost wages due to injury from an accident.
  • Other
    Diminished Value: Any accident that requires repairs can cause the value of your vehicle to drop. This optional coverage provides compensation for the diminished value of your car.

Available Discounts on Auto-Owners Insurance Co Car Insurance Coverage

With Auto-Owners Insurance, you can expect many of the same standard discounts you’ve come to expect from the biggest car insurance companies. They have competitive rates for young drivers and also offer student discounts. Stack as many discounts as possible to get the maximum amount of savings while still having quality coverage.

  • Type of Discount
    Description
  • Safe Driver
    Teen Driver Monitoring Discount - Enabling the app with GPS location while your teen is driving safely may help you save.
  • Good Student
    High school and college students can save up to 20% with a “B” GPA or above if they’re in school.
  • Multi Vehicle
    Qualify for this discount by insuring more than one car with Auto-Owners Insurance.
  • Multi Policy
    Purchase other qualifying policies, like life and home, along with your auto insurance for this discount. Purchase your life insurance through Auto-Owners Insurance and get a discount on your car insurance.
  • Safety Equipment
    The safer your car, the more you save with features like airbags, anti-theft and anti-lock brakes (ABS).

Other Auto-Owners Insurance Co Insurance Products

Take advantage of bundling different policies to gain more discounts with Auto-Owners Insurance by insuring all your needs with one company. Home, umbrella, pet, and flood insurance are just a few of the insurance options available to you.

  • Type of Product
    Description
  • Homeowners Insurance
    Whether you own a home, condo or mobile home, you can get coverage for your dwelling and possessions. Renters insurance is also available, along with rental dwelling policies for landlords to protect their assets.
  • Umbrella Insurance
    Protect yourself against the unexpected. Umbrella insurance is there in case of a large injury or liability claim that is more than your home or auto policy covers.
  • Flood Insurance
    Get flood insurance to protect your property in case there’s flooding in your area.
  • Life Insurance
    Protect your life and your family’s lifestyle by getting coverage today.
  • Business Insurance
    Auto-Owners Insurance offers different policies to fit your business needs. Choose from commercial auto and property, workers’ compensation, bonds, loss control and a commercial umbrella.

How to Make a Car Insurance Claim With Auto-Owners Insurance Co

Auto-Owners Insurance advises that you should call your independent auto insurance agent to file a claim during their normal business hours. However, they do have an 800 number you can call anytime. Once you call, you’ll have to supply your name and policy number for verification. You should be ready with details on the vehicle and drivers involved, along with what happened in the accident. The agent will give you a claim number, and you can track the progress of your claim by logging into the Auto-Owners Insurance system.

Contact Auto-Owners Insurance Co Car Insurance

Methodology and Assumptions

To evaluate and review auto insurance companies, MoneyGeek carefully weighs factors such as price, financial strength, policy features, customer satisfaction, service and other leading indicators. MoneyGeek also references publicly available data from industry leaders such as J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC) and the Better Business Bureau. Learn more about MoneyGeek’s review methodology here.

sources