Auto Owners Insurance Claims Reviews - Auto-Owners is committed to providing low prices and personalized customer service. Insurance from Auto-Owners is available exclusively through independent agents, and cannot be purchased directly by the company. However, the company has some modern advantages, such as a smartphone-based driver safety rating program that can lead to significant discounts for the safest drivers.
In many respects, Auto-Owners Insurance is an old company. The only way to buy insurance from them is through an independent agent who lives and works in your area, and most of your contact with the company is through the agent, not online.
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For those who want to have a close relationship with an insurance agent, this can be a strong plus: If you have any questions about your policy or need to make a claim, the person on the other end of the line will know your name and the exact details of your policy. And this structure works which means highly rated customer service. The company continues to top the rankings for claims service and customer engagement.
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In addition, the rates from Auto-Owners are very competitive. What people usually worry about when working with an insurance agent is the possibility of high premiums, because there is a middleman you have to pay. But Auto-Owners prices are comparable to other auto insurance companies, so this is not an issue for potential customers.
The biggest downside to Auto-Owners is that it's not available nationwide: The company currently operates in just 26 states, despite being founded more than a century ago in Lansing, Mich. So you can only buy insurance from the company if you live in one of the following states:
However, for customers who are eligible to purchase coverage, Auto-Owners has another powerful benefit to keep in mind: greater reliability. The company continues to receive the best possible financial ratings, which demonstrates a high level of financial responsibility and suggests that it is around to secure its customers for the long term.
While Auto-Owners matches many of the most popular discounts and coverage options, it doesn't offer many unique options. If you have special coverage needs or can find a big discount elsewhere — like if you're in the military and can buy from USAA — it might be worth shopping around before committing to Auto-Owners. Insurance.
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Bottom line: Auto-Owners car insurance is a great option for customers who want great rates and exceptional customer service and don't have to do everything online.
Auto-Owners isn't the cheapest insurer in our study, but it does offer rates that are lower than average. Our sample driver with a clean record paid 20% less than average, while our sample driver with one accident on his record paid 29% less than average. That's $370 and $772 a year back in drivers' pockets, respectively.
Auto-Owners also don't raise rates quickly after an at-fault accident. Prices jumped from $1,441 per year to $1,851 per year, a $403 increase. To put that in perspective, rates from Allstate, the most expensive insurer in our study, rose to $1,791.
Auto-Owners Insurance typically offers a variety of discounts to its customers, often associated with bundling multiple policies, paying your bills early or on time, and practicing safe driving habits . All of these discounts are fairly common for auto insurance companies, but Auto-Owners' low rates mean your monthly premium can go from good to good.
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Discounts on multiple policies: Auto-Owners customers can expect to save on their insurance if they purchase additional policies from the company, including life and home insurance. The company also offers discounts for insuring multiple cars on the same car policy.
Early payment discounts: Auto-Owners reward drivers who pay their bills early or on time. You can receive a discount for paying your bill on time for 36 consecutive months, as well as paying your annual premium early. Additionally, you can save money right out of the gate if you request your insurance quote before the policy's effective date.
Safety discounts: Drivers whose vehicles have safety features such as airbags and car alarms may see a reduction in their premiums. So are drivers who choose Auto-Owners' TrueRide system, which is a usage-based program that tracks driving habits through a smartphone app. (TrueRide is only available in Ohio and invites drivers in several states.)
Green discount: Customers who opt for paperless billing and pay their bills online can get a discount on their premiums.
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Discounts for teen drivers: Households with teen drivers can reduce their premiums by taking advantage of Auto-Owners' great student discounts or by installing a GPS monitor in a car driven by a teenager. You may also qualify for a reduction if your teen driver is in school more than 100 miles from home and doesn't have a car.
Auto-Owners Insurance provides all the standard and optional coverages you would expect from an insurer, such as liability, comprehensive and rental car coverage. It also offers a bundle of additional coverage, called the Personal Automobile Plus Package, for one price. The package includes a variety of perks and additional coverage that you won't find anywhere else. Note, however, that you cannot purchase these additional coverages individually. This includes coverage for:
In addition, Auto-Owners provides standard collision and comprehensive coverages, but with some additional benefits compared to other companies' coverages. These benefits include:
Collision coverage advantage: If you're in an accident with another Auto-Owners customer, the company will drop your collision deductible. And animal collision damage can be covered by collision or comprehensive coverage, whichever is more beneficial to the policy owner.
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Common loss deductible: If your home and car are damaged in the same incident — and both are covered by Auto-Owners — the insurance company will lower your deductible. If your auto deductible is less than your personal property deductible, you don't have to pay your auto deductible. If your auto deductible is higher than your personal property deductible, Auto-Owners will subtract the amount of your personal property deductible from your auto deductible, so you only pay the difference.
Rental car insurance: If you are in an accident while driving a rental car, your coverage limits for your own vehicle will apply. Auto-Owners will also be responsible for any fees or charges from the rental company.
Pays for damage to the other driver's car and their medical expenses if you are at fault in a collision.
Pays for your own car damage and medical bills if the other driver in the crash doesn't have enough insurance.
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You're covered whenever you have a problem with your car while driving, which might include giving it a tow or more gas or fixing a flat tire.
Covers the cost of a rental car or other incidentals if your vehicle is damaged in an accident, up to a certain dollar amount.
You are paid for the depreciation of your car after an accident, even if repairs are made.
A great benefit of choosing Auto-Owners for your auto insurance is having a one-on-one relationship with a local independent agent, who is very familiar with the laws and insurance requirements in your area. . While your experience with a particular independent insurance agent may vary, Auto-Owners' customer service consistently gets high marks from its customers. You should be reasonably confident that you will receive friendly treatment when working with Car Owners.
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Auto-Owners also offers many of the customer service options available from major insurers, including online billing and account access, a mobile app and 24-hour roadside assistance. .
However, customers who want to reduce how often they need to talk to someone to manage their auto insurance may want to consider other carriers first. Many basic policy-related actions, such as making a claim, changing your policy or canceling your insurance entirely cannot be done online; you must do this through your agent. (If your claim is an emergency and your agent is unavailable, you can contact Auto-Owners directly through the 24-hour hotline.)
Auto-Owners Insurance is widely praised for its customer service. This is not surprising given the company's emphasis on fostering close relationships between their independent agents and customers. JD Power rates Auto-Owners third nationally in claim satisfaction. More specifically, the company ranked first in the regional center for J.D.'s overall region-specific satisfaction ranking. Power.
Auto-Owners also receive fewer complaints than competing insurance companies. It has a very low NAIC complaint score of just 0.64. This means it receives fewer complaints than expected for a company of its size; the median industry score is 1.0.
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The financial stability of Auto-Owners is also good. Its subsidiaries received a high Financial Strength Rating from A.M. Best's review: Auto-Owners Insurance Company received an A++, the highest possible rating, and Auto Owners Specialty Insurance Company received an A-. These ratings mean that Auto-Owners has a very strong ability to meet the financial needs of paying claims made by its customers.
Yes, Auto-Owners is a great option for car insurance. It has very affordable prices and well-rated customer service from an independent agent network. One possible disadvantage is that you can't get a quote online.
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