Auto-Owners Insurance Auto Insurance Review

Auto-Owners Insurance offers a wide range of insurance policies including homeowners insurance, business insurance, life insurance, farm insurance and more. Of course, they also offer auto insurance policies with a variety of add-ons you can use to customize your policy to your lifestyle or budget.

J.D. Power Rating
4/5
AM Best Rating
A++
Standard & Poor’s
N/A
SimpleScore
3.8 / 5.0
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SimpleScore Auto-Owners – Auto Insurance 3.8
Affordability 3
Coverage Options 4
Customer Satisfaction 4
Support 4
Accessibility 4

Auto-Owners Insurance offers broad coverage consumers can rely on when it comes to protecting themselves financially from accidents, personal liability and more. Their main coverage is collision, which can repair or replace your vehicle if you’re in a wreck. However, you can also pay for comprehensive coverage that pays for damage to your car based on a variety of factors such as fire, vandalism, theft and inclement weather.

In this article

    Auto-Owners Insurance: Key Takeaways

    • Auto-Owners Insurance works with independent agents who are experts on the policies they offer.
    • You can tailor your policy to include more coverage for collision or rental cars.
    • Save money with a variety of insurance discounts for having multiple policies, paying in full, choosing a higher deductible and more.

    Auto-Owners Insurance doesn’t offer a form you can fill out for an agent to contact you. Instead, you have to search for independent agents in your area using your ZIP code. From there, you can select from available agents in your area and call in to walk through the coverage you want and get a free quote.

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      Auto-Owners Insurance Review

      Other Auto-Owners Insurance coverages include:

      If you’re in the market for car insurance and don’t know where to turn, it’s smart to get a quote from Auto-Owners Insurance and a handful of other companies. Keep reading to learn all about the policies Auto-Owners Insurance offers, what they include and how to get a free quote.

      • Bodily injury liability and property damage liability: This coverage kicks in to pay for damage due to injury or personal property damage, including legal expenses if you’re involved in a lawsuit.
      • Uninsured/underinsured motorist: This coverage helps to pay for damage when someone is injured or killed by an underinsured or uninsured motorist.
      • Medical payments and personal injury protection: These coverages will kick in to take care of medical expenses, rehabilitation, hospitalization and more when someone is injured in your vehicle.
      • Road trouble service:: If you lock your keys in your car, run out of gas or have a flat tire, you can call a special hotline 24 hours a day and 365 days per year to set up assistance.
      • Additional expense coverage: This type of plan will pay for additional expenses you incur when you can’t use your vehicle for a covered reason.
      • Loan gap and lease gap coverage: Rely on this coverage to pay the difference between the value of your car and what you owe on your lease or loan in the event you’re involved in an accident.
      • Diminished value coverage: Your car will be worth less if it’s involved in an accident, and this coverage protects your investment.

      You’ll also receive Collision Coverage Advantage coverage, which waives your deductible if you’re in an accident with another Auto-Owners Insurance customer. Common loss deductible coverage also means you won’t have to pay two different deductibles if you need to file a claim on your homeowners and auto insurance policies at the same time.

      How to Get a Quote from Auto-Owners Insurance

      One downside of Auto-Owners Insurance is that it doesn’t let you get a free quote online without speaking to an insurance agent. The insurer makes you call in for a quote, which is inconvenient when you’re simply trying to compare pricing.

      Auto-Owners Insurance Discounts

      Auto-Owners Insurance offers a handful of discounts you can qualify for if your goal is saving money on auto insurance premiums. Discounts you should know about include:

      • Student discounts: Discounts are available for students who have good grades or agree to have a monitoring device installed in their vehicle.
      • Multi-policy discount: Receive premium savings when you bundle different types of insurance policies and purchase them all from Auto-Owners Insurance.
      • Payment history discount: Receive more savings when you pay your premiums early or on time for at least 36 months.
      • Paid in full discount: Get a discount for paying your annual premiums in at one time instead of monthly.
      • Paperless discount: Receive a discount for enrolling in paperless billing.
      • Multi-car discount: Save more when you insure two or more cars with Auto-Owners Insurance.
      • Safety feature discount: Qualify for this discount if you have certain safety devices installed on your vehicle such as anti-lock brakes, airbags or an anti-theft device

      Methodology

      SimpleScore

      The SimpleScore makes it easy to compare products and services featured here on The Simple Dollar in a transparent, open and honest way. We rate these products and services using five factors and average them to calculate a single SimpleScore. For auto insurance, we compare:

      • Discounts
      • Coverage options
      • Support
      • Customer satisfaction
      • Accessibility

      You can read more about each factor and the details of each score in our auto insurance methodology. Use our ratings and editorial recommendations as you shop for the best auto insurance that fits your coverage needs.

      Car insurance rates: We used insurance rates from Quadrant Information Services. This includes analyzing thousands of rates from all 50 states that were publicly sourced from 2019 insurer filings. Rates are based on a 30-year-old male or female that had a clean driving record. Full Coverage premiums assumed a $500 collision and comprehensive deductible, and we looked at those who had both good and poor credit. These rates should be used to inform your car insurance shopping process, but your own quote may differ.

      Why do some brands have different SimpleScores on different pages?

      To ensure the SimpleScore is as helpful and accurate as possible, we developed unique criteria for every category we compare at The Simple Dollar. Since most brands offer a variety of financial solutions, their products and services will score differently depending on what we’re scoring on a given page.
      However, it’s also possible for the same product from the same brand to have multiple SimpleScores. For instance, if we compare State Farm’s home insurance according to our criteria for the best home insurance, it scores a 3.8 out of 5. But when we compare State Farm according to the criteria for the best auto insurance, it scores higher, since the features the company offers can vary by the type of insurance.

      Discounts

      We looked at the number of discounts each company offers — more discounts mean a higher score.

      Coverage Options

      We awarded higher scores to the companies that have the most coverage options.

      Support

      We awarded higher scores to lenders with the most channels for customer support.

      Customer Satisfaction

      We leveraged the J.D. Power 2019 Auto Insurance Satisfaction Study℠ to see how customers rated their experience with each company. (If a company wasn’t included in J.D. Power’s study, we skipped this aspect and averaged the four remaining aspect scores.)

      Accessibility

      We looked at the level of accessibility of each company –– the more resources they have the higher their score.

      Holly Johnson

      Contributing Writer

      Holly Johnson is a frugality expert and award-winning writer who is obsessed with personal finance and getting the most out of life. A lifelong resident of Indiana, she enjoys gardening, reading, and traveling the world with her husband and two children. In addition to The Simple Dollar, Holly writes for well-known publications such as U.S. News & World Report Travel, PolicyGenius, Travel Pulse, and Frugal Travel Guy. Holly also owns Club Thrifty.