Auto-Owners Insurance is a mutual insurance company operating in 26 different states through independent representatives. They offer basically every type of insurance under the sun, from auto to homeowners to business to life insurance. If you have insurance needs, Auto-Owners Insurance can help you to meet them. But what makes them different? And why haven’t you heard of them?
Why Have I Never Heard of Auto-Owners Insurance?
This is the $64,000 question on the minds of lots of people reading this right now. Why doesn’t this company have the profile of say, Prudential or State Farm? There are a couple of different reasons.
The first is that they only operate in 26 states, meaning you might live in a state where Auto-Owners is simply not available. The other is that it only sells through independent agents, unlike other insurance companies who have their own agents to sell you their insurance. The company has shown no interest in deviating from this model, which means when you buy their insurance, it’s not coming from someone on their payroll. For some, this might make a world of difference.
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What About Their Awards and Rankings?
If you happen to live in one of the 26 states currently serviced by Auto-Owners Insurance, they’re at least worth a look for no other reason than their high ratings and awards.
J.D. Power and Associates has ranked Auto-Owners Insurance as “Highest in Customer Satisfaction with the Auto Insurance Claims Experience” five years running, which means you can expect the typically tedious task of filing claims or just calling in to change your information to be a step above what you’d experience at other insurers.
For their part, Consumer Affairs gives Auto-Owners Insurance a low four-star ranking, which also puts them in the cream of the crop among insurance companies. Consumer reporter Clark Howard has rated them among the best for homeowner’s insurance, alongside USAA and Amica, two companies known for providing some of the best customer service out there.
Consumer rating company A.M. Best, which gauges companies’ financial stability, has given Auto-Owners Insurance its highest rating for a solid 44 years running. That’s a track record that’s hard to match for anyone. The company likewise rated a number of their subsidiaries with superior rankings. The A++ awarded to the umbrella company makes it just one of 12 in the entire nation to bear that level of rating from A.M. Best.
A Cool Quirk for Pet Owners
One interesting thing about Auto-Owners Insurance is that they offer pet medical insurance alongside more traditional insurance products. Pet owners who need a number of insurance products and are looking to insure Fido as well should check out Auto-Owners Insurance and see if they can bundle all of that together to receive a discount.
If you’re unsatisfied with your insurance or you’re looking for a company offering an all-in-one, Auto-Owners Insurance might be the right choice for you — provided that you live in their area of coverage.