Auto-Owners Insurance covers much more than just automobiles. In fact, because of the variety of coverage options, Auto-Owners insurance is worth considering.
The company provides many ways to save money in your premium, including discounts for smoke detectors and a track record of paying your premiums on time.
The Homeowners Plus add-on covers appliance leaks that cause property damage and wasted food in a power outage.
In this article, you will learn more about auto-owners insurance claims. We also provide auto-owners insurance reviews as a guide for you. Carefully read through!
Auto-Owners Insurance Group
Auto-Owners Insurance Group is a Fortune 500 mutual insurance company that includes Atlantic Casualty Insurance Company, Concord Group Insurance Companies, and Capital Insurance Group.
They provide coverage for a wide range of vehicles, including motorcycles, motorhomes, RVs, boats, trailers, and ATVs.
There are many other types of insurance available, including homeowners, pet, flood, life insurance, and a comprehensive line of commercial products.
Vern V. Moulton and four of his associates founded Auto-Owners in 1916. Auto-Owners Insurance Group, headquartered in Lansing, Michigan, employs 48,000 licensed agents in 26 states. Auto-Owners is well-known for its customer service and has received a Great Place to Work certification.
They began with just auto insurance and expanded into life insurance and other types of coverage in 1966.
According to its 2020 Annual Report, it has over 5.35 million policies in force, with a policyholder surplus of more than $13.8 billion. Auto-Owners operates in 26 states and have over 100 claim offices.
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Review Auto-Owners Insurance Features and Coverage
Auto-Owners Insurance includes all the standard and optional coverages you’d expect from a carrier, such as liability, comprehensive, and rental car coverage.
It also offers a Personal Automobile Plus Package, which combines several additional coverages for a single price.
The package includes several perks and extra coverages that you won’t find anywhere else. However, keep in mind that you cannot purchase these additional coverages separately. It covers the following areas:
- Cell phones that have been misplaced or damaged
- Expenses incurred because of identity theft
- Your belongings have been stolen from your car.
- Audio and video equipment that has been damaged or stolen
- When your vehicle is disabled, your trip is halted.
- Expenses for transportation after your vehicle has been stolen
- Expenses and bail bonds incurred because of a traffic violation
- Costs of additional transportation
- Non-owned trailers have been damaged.
- Rekeying a lock
- Deductibles may be waived or reduced in certain circumstances.
- Gap insurance for rental cars
Furthermore, Auto-Owners offers standard collision and comprehensive coverages, but there are a few additional benefits compared to other companies’ ranges. These advantages include:
Advantages of collision coverage:
If you have an accident with another Auto-Owners customer, the company will waive your collision deductible. They will also waive the damage by a collision with an animal will be covered by either collision or comprehensive coverage, depending on which benefits the policyholder more.
Common loss deductible:
If your home and car are both damaged in the same incident and are insured by Auto-Owners, the insurance company will reduce your deductible.
You will not have to pay your auto deductible if it is less than your property deductible. If your auto deductible is higher than your property deductible, Auto-Owners will deduct your property deductible from your auto deductible, leaving you to pay only the difference.
Auto-Owners insurance claim Discounts
Auto-Owners Insurance provides its customers with a standard set of discounts related to bundling multiple policies, paying your bill early or on time, and practicing safe driving habits.
All of its discounts are relatively standard for car insurance companies, but Auto-Owners’ already-low rates mean that your monthly premium could improve from good to excellent.
Discounts for multiple policies:
Auto-Owners customers can expect to save money on their insurance if they purchase additional policies from the company, such as life and home insurance.
In addition, the company provides discounts for insuring multiple vehicles on the same auto policy.
Multi-car discounts:
If you insure two or more vehicles on your policy, you may be eligible for a discount. Drivers with a good loss history may qualify for lower premiums.
Early payment discounts:
Auto-Owners reward customers who pay their bills on time or early. You can get a discount if you pay your bill on time for 36 months in a row and pay your annual premium in advance.
Furthermore, if you request your insurance quote well before the policy’s effective date, you can save money right away.
Drivers whose vehicles are equipped with safety features such as airbags and car alarms will reduce their premiums.
Drivers who enroll in Auto-Owners’ TrueRide system, a usage-based program that monitors driving habits via a smartphone app, will also benefit.
Green discount:
Customers who choose paperless billing and pay their bills online can receive a premium discount.
Discounts for teen drivers:
Families with teen drivers can lower their premiums by taking advantage of Auto-Owners’ good student discount or installing a GPS monitor in a car driven primarily by a teenager.
You’ll also be eligible for a discount if your teen driver attends school more than 100 miles away and does not have a car.
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Auto-owners insurance claim Advantages
Auto-Owners’ exclusive programs combine multifaceted auto insurance with low premiums, such as its Personal Automobile Plus Package and Purchase Price Guarantee.
Consistently high financial ratings: Auto-Owners have received AM Best’s highest financial strength rating for 49 years.
Auto-Owners provide extended insurance protection with 13 discounts to help you save.
Auto-owners insurance claim Disadvantages
Only quotes from agents: Car insurance quotes for Auto-Owners are only available through agents.
Auto-Owners’ service area is limited, so not everyone is eligible for auto insurance, and service is only available in 26 states.
There is no online chat: There is no online chat option, so support is limited to phone and agent support.
Auto-owners insurance Customer service
Working one-on-one with a local independent agent who is intimately familiar with the laws and insurance requirements in your area is a distinct advantage of choosing Auto-Owners for your car insurance.
While your experience with an independent insurance agent may vary, Auto-Owners’ customer service consistently receives high marks from its clients.
When working with Auto-Owners, you should be reasonably confident that you will be treated with respect.
Auto-Owners also provides most standard customer service options with major insurers, such as online billing and account access, a mobile app, and 24-hour roadside assistance.
Customers who prefer to speak with a human being as little as possible to manage their car insurance may want to look into other carriers first.
Many significant policy-related actions, such as filing a claim, changing your policy, or canceling your insurance, cannot be completed online; instead, you must contact your agent.
Auto-owners insurance phone number
If you want to make a payment, log in to Customer Center or call Auto-Owners at 800.288. 8740.
Making a Car Insurance Claim with Auto-Owners Insurance Company
Auto-Owners Insurance recommends calling your independent auto insurance agent during regular business hours to file a claim.
They do, however, have a toll-free number that you can call. You must provide your name and policy number for verification when you call.
You should be prepared with information about the vehicle and drivers involved and what happened in the accident. The agent will issue you a claim number, and you will be able to track the status of your claim by logging into the Auto-Owners Insurance system.
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Conclusion
Auto-Owners comprises several subsidiaries that provide personalized coverage to specific regions.
Auto-Owners works with over 48,000 licensed agents spread across more than 100 offices in 26 states. In addition to high customer satisfaction ratings, Auto-Owners has a long history of receiving perfect financial ratings from AM Best.
To learn more about Auto-owners insurance, visit the website below:
Frequently Asked Questions
Is Auto-Owners a reputable insurance provider?
Yes, Auto-Owners is an excellent choice for car insurance. It has very low rates and excellent customer service through its independent agent network. One potential disadvantage is that you cannot obtain a quote online.
Where can I find Auto-Owners?
Auto-Owners is available in 26 states, the majority of which are in the Midwest and eastern half of the country. The complete list can be found here.
Is Auto-Owners reasonably priced?
Yes, Auto-Owners has reasonable rates. We found a quote for $1,441 for full coverage in Indiana, which is less than the quotes we found at Progressive and Allstate for the same coverage but more than State Farm’s quote.
