Auto-Owners prioritizes cheap rates and individualized customer care. Auto-Owners Insurance is only accessible through independent agents and cannot be purchased straight from the company. The auto-owners insurance company does, however, have a few modern advantages, like a smartphone-based driver safety rating program that can result in considerable discounts for the safest drivers. Customers who purchase Auto-Owners Insurance might save money by bundling their policies. However, because the company lacks robust internet facilities, you can’t acquire an estimate, sign up for coverage, or file a claim online. Additionally, the company is only offered in 26 states, so if you live outside of its coverage area, you may need to seek coverage elsewhere.
Find out more about Auto-Owners Insurance Group, the home, car insurance, discounts, policies and determine if it’s the correct company for you.<\/p>
Auto-Owners Insurance is an old-fashioned company in many ways. The only method to buy insurance from it is through an independent agent who lives and works in your region, and the majority of your interactions with the company will take place through that agent rather than online.<\/p>
This is a significant benefit for people who prefer a close relationship with their insurance agent:<\/strong> If you have any questions about your policy or need to file a claim, the person on the other end of the phone will know your name and the specifics of your policy. And this framework translates to excellent customer service. The company consistently ranks first in the industry for claims service and client interaction.<\/p> Furthermore, Auto-Owners’ rates are very competitive. A common fear when working with an insurance agent is the risk of paying excessive rates because there is a middleman to pay. However, Auto-Owners’ rates were competitive with other auto insurance providers, so this should not be a concern for prospective clients.<\/p> The main disadvantage of Auto-Owners is that it is not offered nationwide:<\/strong> Despite being formed over a century ago in Lansing, Michigan, the company today operates in only 26 states.<\/p> However, for customers who are eligible to get coverage, Auto-Owners has another significant advantage worth mentioning: its extraordinary dependability. The company constantly earns the highest financial ratings available, demonstrating a high level of fiscal discipline and implying that it will be around to cover its consumers for a long time.<\/p> The ability to work one-on-one with a local independent agent who is intimately versed with the regulations 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 top rankings from its clients. When interacting with Auto-Owners, you should be reasonably certain that you will be treated with respect.<\/p> Auto-Owners also provides the majority of the regular customer service options seen with big insurers, including online invoicing and account access, a mobile app, and 24-hour roadside assistance.<\/p> Customers who prefer to speak with a human being as little as possible in order to manage their car insurance may wish to look into alternative carriers first. Many major policy-related actions, such as filing a claim, amending your policy, or canceling your insurance entirely, cannot be completed online; instead, you must contact your agent. (If your claim is an emergency and your agent is unavailable, you can contact Auto-Owners directly through their 24-hour hotline.)<\/p> Auto-Owners Insurance includes all of the regular 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 various additional coverages for a single payment. The bundle includes a number of bonuses and extra coverages that you won’t find anywhere else. Keep in mind, however, that you cannot purchase these additional coverages separately. It includes coverage for:<\/p> Furthermore, Auto-Owners offers conventional collision and comprehensive coverages, but there are a few additional benefits when compared to other businesses’ coverages. These advantages include:<\/p> If you have an accident with another Auto-Owners client, the company will waive your collision deductible. And damage caused by an accident with an animal will be covered by either collision or comprehensive coverage, depending on which benefits the policyholder more.<\/p> If your home and car are both damaged in the same occurrence and are both 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 personal property deductible. If your auto deductible is larger than your personal property deductible, Auto-Owners will deduct your personal property deductible from your auto deductible, leaving you to pay only the difference.<\/p> If you get into an accident while driving a rental car, your own car’s coverage limits apply, Auto-Owners will also cover any rental company costs or expenses.<\/p>Related: AVERAGE HOME INSURANCE COST: Best 2023 UK Practices and Rates (Updated)<\/a><\/h5>
Customer Service at Auto-Owners Insurance<\/h2>
Features and Coverage<\/h2>
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Auto-Owners also offers the following coverages:<\/h3>