Auto-Owners Auto Insurance Review: Features, Pros & Cons, and Costs
- What is Auto-Owners?
- How does Auto-Owners work?
- How much does Auto-Owners insurance cost?
- Features of Auto-Owners
- Auto-Owners vs. competitors
- Who is Auto-Owners insurance for?
- Who shouldn’t use Auto-Owners
- Pros & cons
- The bottom line
What is Auto-Owners?
How does Auto-Owners work?
- Bodily injury and property damage liability
- Medical payments
- Personal injury protection (PIP)
- Uninsured and underinsured motorist
How much does Auto-Owners insurance cost?
- Marital status
- Driving history
- Credit score
- Vehicle type
- Deductible amounts
- Coverage amounts
Examples of premium costs
- Bodily Injury: $25k/$50k
- Property Damage: $20k
- Uninsured Motorist Bodily Injury: $25k/$50k
- Bodily Injury: $100k/$300k
- Property Damage: $50k
- Uninsured Motorist Bodily Injury: $100k/$300k
- Collision Deductible: $1k
- Comprehensive Deductible: $1k
Features of Auto-Owners
Specialty coverage options
- GAP coverage. If you purchase a new car and you owe more than the car is worth after it’s totaled in an accident. This coverage pays the difference in amounts.
- Additional expense. This includes a rental car and other costs associated with not having your car due to an accident.
- Road trouble service. Emergency services such as lockout, dead battery, or towing.
- Personal Automobile Plus Package. This is an extra package that includes ten additional coverages at a reduced rate. Additional coverages include options such as identity theft protection and cell phone replacement.
- Diminished value. If your car is in an accident it can diminish the resale value. This coverage pays you to make sure you’re fully compensated for the true value.
Multiple discounts available
- Life-multi policy, if you have a life insurance policy with them as well
- Payment discount if you’ve paid on time for at least 36 months
- Paid-in-full if you pay your annual premium at once
- Paperless enrollment
- Advance quote
- Safety features such as anti-theft and anti-lock brake system
- Favorable loss history
- Good student discount
- Teen driver monitoring
- Student away at school
- Higher deductibles can reduce your premiums
- Common loss deductible
Enhanced collision coverage
Auto-Owners vs. competitors
|Carrier||J.D. Power Rating||A.M. Best Rating||Discounts available||Average annual premium*|
|Country Financial||5/5||A+||Yes||Not Available|
|*Based on drivers in their thirties|
Who is Auto-Owners insurance for?
Prefer working with an agent
You want a company with strong customer service ratings
- Ranked third overall for the JD Power 2020 U.S. Auto Claims Satisfaction Survey
- Ranked fifth overall for the JD Power 2019 U.S. Auto Claims Satisfaction Survey, earning three out of five with the Power Circle Rating
- NAIC Consumer Complaint Index is almost non-existent for number of complaints.
- Auto-Owners is both accredited by the BBB and has earned a stellar A+ rating
You like digital assets
Who shouldn’t use Auto-Owners
If you don’t live in one of the 26 states serviced.
Pros & cons
The bottom line
|6101 Anacapri Blvd., Lansing, MI 48917||Roadside Assistance 888-869-2642||P.O. Box 74012, Cincinnati, OH 45274-0312|
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