Auto-Owners Car Insurance Review [2021]

Auto-Owners car insurance has claims offices in 75 cities and is only offered by independent agencies. Auto-Owners received top marks for customer service from JD Power.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Oct 20, 2021

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Company Details
Address: 1200 Ridgefield Blvd # 101
City: Asheville
State: NC
ZIP Code: 28806
Phone Number: (517) 323-1200
Year Founded: 1916
AM Best Rating: A++ (Superior)
Company Rating 0 (0 reviews)

Here's what you need to know...

  • Auto-Owners Insurance is sold by independent agencies so you will not be able to manage your account online
  • There are several discounts available with Auto-Owners Insurance including multi-policy and anti-theft discounts
  • An independent agency is a good choice to use when looking to buy car insurance
  • Auto-Owners offers additional coverage besides basic insurance policies

Auto-Owners Insurance Company was started in 1916 in Mt. Pleasant, Michigan.

During the depression, the company was able to pay claims in cash on a daily basis. The company has maintained a high level of financial stability ever since then. Auto-Owners has claims offices in 75 cities.

If you are considering changing insurance companies, it is always a good idea to get a quote from several companies so you can compare rates and services. That way you know your costs are being viewed from a competitive standpoint. Plus, you don’t want to miss out on a discount if one insurer has the option to provide you with one.

Read through this review of Auto-Owners car insurance, then enter your zip code at the top of this page to compare car insurance rates! The protection of your personal property is important; doing everything that you can in order to keep your family and property safe means putting a little time and effort into finding the right fit of a company.

What sort of discounts are available through Auto-Owners?

Being offered the option of a discount can cut your coverage costs significantly. The following are a few discount options that are offered through Auto-Owners insurance:

  • Multi-policy discount – Combine your automobile policy with another policy such as a homeowner’s policy.
  • Life insurance and automobile discount – Buy an automobile policy in addition to a life insurance policy.
  • Anti-theft device discount – Install anti-theft devices in your car such as an alarm.
  • Premium paid in full discount– If possible, pay your premium in full.
You obviously don’t want to end up spending more money on something that you don’t need. For example, if you have no need of auto policies, you wouldn’t want to get one just to have a multi-policy discount added to your service. Talk with your insurance agent and try to get a handle on what you could bundle instead. There are other, optional coverages out there that consumers may not be aware of, but would also qualify for a discount.

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What are the benefits of using an independent agency to purchase coverage?

An independent agency is usually a local business that provides professional service and employs experienced sales and claims agents. An independent agency will regularly review your insurance needs and make suggestions as appropriate.

If you have a claim, you will call your independent agent who will then provide personal claim services.

Are there any additional Auto-Owners coverage options?

You can buy coverage for additional expenses that you may incur because of an accident such as medical expenses. You can also buy road trouble service which is coverage that provides help when your vehicle is disabled.

If you buy non-owner automobile coverage, you can then legally drive a vehicle that you don’t own such as a work vehicle or a friend’s vehicle.

What are the types of vehicles that are insured?

The Auto-Owners insurance group offers standard and non-standard policies for these types of vehicles:

  • Automobiles
  • Trucks
  • Motor Homes
  • Motorcycles
  • Recreation Vehicles
  • Vacation Trailers
  • Campers
  • Utility Trailers
  • Antique Automobiles
  • Classic Automobiles
What type of policy you end up with is going to be determined by what vehicle you drive and what types of insurance you need or want to have associated with it.

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Should you compare quotes?

Auto-Owners places an emphasis on being one of the auto insurance companies that is easy to deal with when you have a claim. If you’re still unsure, you can always check their business profile online. You’ll want to focus on their financial strength and what sort of customer satisfaction they have, but we can tell you right now that the company had a top score in a 2015 customer service survey by J.D Power.

Make sure you shop around for insurance when you are considering buying a new policy, and don’t just limit yourself to a single insurance quote. By comparing various companies and the insurance products that they offer, you’re going to have a much better time finding affordable insurance that will also provide you with the type of coverage you need.

Enter your information now for a free auto insurance comparison!

References:

  1. https://www.auto-owners.com/
  2. https://www.auto-owners.com/our-products/car-insurance/discounts/paid-in-full-discounts#.VuH0BvIrK6o
  3. https://www.auto-owners.com/corporate-information/independent-agency-advantage#.VuH0KfIrK6o
  4. https://www.jdpower.com/ratings/industry/insurance

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