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Auto-Owners Insurance: Review, Coverage Options, and Ratings

Auto-Owners Insurance Review 2020


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5 Rating from The Zebra

Headquartered in LansingMichigan, Auto-Owners Insurance Company has provided insurance for more than 100 years. The company is active in 26 states and is represented by thousands of independent agents. Though its name might imply otherwise, Auto-Owners Insurance actually offers a wide variety of insurance products. Its car insurance products are consistently top-rated, according to JD Power, and the company's home, life, and business insurance options continually receive great reviews.

Continue reading our Auto-Owners Insurance review to learn more about coverage options, customer satisfaction, and available discounts.


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JD Power Rating — About average: The company received a 3 out of 5 for overall claims satisfaction from ratings agency J.D. Power in 2019.  

Financial strength — Superior: AM Best rated the company as an A++, indicating it is in great financial shape and will be able to pay claims.

NAIC Rating — Excellent: The National Association of Insurance Commissioners (NAIC) received relatively few customer complaints regarding Auto-Owners Insurance compared to the market average.

 

JD Power Rating — About average: The company received a 3 out of 5 for overall claims satisfaction from ratings agency J.D. Power in 2019.  

Financial strength — Superior: AM Best rated the company as an A++, indicating it is in great financial shape and will be able to pay claims.

NAIC Rating — Excellent: The National Association of Insurance Commissioners (NAIC) received relatively few customer complaints regarding Auto-Owners Insurance compared to the market average.

 

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Auto-Owners car insurance options

Thanks to Auto-Owners' status as one of the top car insurance companies in terms of customer satisfaction, policyholders can expect a variety of coverage options and a smooth claims process. The company offers standard coverages such as liabilitycollisioncomprehensiveuninsured/underinsured motoristmedical payments, and personal injury protection (PIP). However, the company also offers a variety of options policyholders can add to further personalize their coverage, which you can read about below.

 

Road trouble service

Auto-Owners' 24-hours-a-day roadside assistance service covers you in a variety of situations, including if you lock your keys in your car or suffer a flat tire or dead battery. It extends to all 50 states and Canada.

 

Additional expenses

This coverage steps in to help pay for a rental car or expenses incurred if you are stranded away from home. This can include costs like food and lodging.

 

Gap coverage

Because of depreciation, a leased car is often worth less than the amount that you owe on it. Gap coverage pays the difference between what you owe and what your vehicle is worth.

 

Diminished value

The resale value of your vehicle can be severely affected if you are in an accident. This coverage ensures that you are compensated for the full value of your vehicle.

 

Personal automobile plus package

This package includes a number of additional benefits to protect you from identity theft, and coverage for getting new keys and even replacing your cell phone.

 

Specialty auto insurance options

Sometimes vehicles fit into a unique category. Auto-Owners Insurance offers special coverage types for the following classes of automobiles:

 

Classic cars

Classic cars need different coverage than more modern vehicles. A classic car auto policy can be much cheaper and offer the protection that your vintage auto needs.

 

Modified vehicles

Automobiles that have been converted or otherwise modified can sometimes be hard to insure. Whether it’s adding a wheelchair lift or another mobility modification, Auto-Owners Insurance provides coverage options that suit unique needs.

 

Auto-Owners car insurance discounts

Auto-Owners Insurance offers a number of ways to save money on your auto policy. Below, you’ll find a rundown of their discount options. 

  • Multi-policy discount: Bundle multiple policies with Auto-Owners to find savings on your premiums. 
  • Life multi-policy discount: Save money by pairing an Auto-Owners life insurance policy with your auto policy.
  • Payment history: If you’ve paid your premium on time for at least 36 months, you can receive a discount.
  • Paid-in-full discount: Pay your annual premium in full at the beginning of your policy to find savings.
  • Green discount: If you go paperless with your billing and make payments online you could receive a discount.
  • Advance quote: Any new applicant who requests an insurance quote prior to their policy’s effective date can receive a discount.
  • Multi-car: Having more than one vehicle on your policy can mean a lower premium.
  • Safety feature discounts: Safety features like anti-lock brake systems (ABS) or anti-theft devices could qualify you for a discount.
  • Deductibles:If you choose a higher deductible, you could see a reduced policy premium.
  • Favorable loss history:If your driving history is relatively clean, you could see big savings.

 

Auto-Owners student discounts

Insuring young drivers on your policy can lead to more expensive monthly premiums. However, Auto-Owners Insurance offers the following discounts for policyholders with teenage and young adult drivers. See more info about car insurance for students here.

  • Good student discountStudentswith grade-point averages of “B” or better could save up to 20% with this discount. 
  • Student away at school discount: If your student is attending school more than 100 miles from your home, and doesn’t have a vehicle, you could be eligible for a discount.
  • Teen driver monitoring discount: Install a Global Positioning System (GPS) in your teenager’s vehicle to see potential savings.

 


 

Auto-Owners homeowners insurance options

Auto-Owners Insurance provides all the standard home insurance options that you would expect from a major carrier. This includes coverage for your primary dwelling, other structures, personal property, loss of use, and personal liability

The company generally receives favorable reviews for its homeowners insurance product. One of the many strengths of Auto-Owners Insurance homeowners coverage is how customizable it is. Policyholders can add a number of endorsements to their coverage to fit their personal needs. Find below a rundown of Auto-Owners' coverage options, including homeowners insurance for high-value homes

 

Optional homeowners insurance coverage

Here are additional coverage options that can be added to an Auto-Owners home insurance policy:

 

Homeowners plus

This package covers extra damages related to appliance failure and increases limits for a variety of other coverages.

 

Guaranteed home replacement cost

Sometimes the cost to rebuild can be higher than your homeowners insurance coverage limits. This addition ensures that you can have your home rebuilt to the same standard it was before. 

 

Water backup of sewers or drains

While backups from sewers or drains aren’t typically covered by standard homeowners insurance policies, adding this coverage can help in a variety of situations involving water damage.

 

Special personal property coverage

This expands coverage for your personal property.

 

Ordinance or law coverage

Sometimes, local ordinances or laws regulate the construction, repair, or demolition of your property. This coverage pays if local ordinance or law require you to make significant changes to your property.

 

Equipment breakdown

This coverage kicks in when mechanical or electrical issues cause the failure of equipment such as major appliances, computers, or air conditioning units. 

 

Identity theft expense coverage

If you're a victim of identity theft, this coverage will provide up to $15,000 for expenses related to restoration.

 

Auto-Owners Insurance coverage options for high-value homes

Some homes have unique insurance needs. This is especially true when the home is of significant value. Along with the endorsements above, Auto-Owners Insurance has special coverage options for high-value homes, including the following: 

 

Increased cost endorsement

In the event that your limits aren’t enough to cover the full cost of the replacement of your home, this coverage ​​​​provides up to an additional 25% of your coverage amount for repairing or replacing your home.

 

Personal property and valuables

This covers high-value items such as fine art, jewelry, and collections at what’s known as an agreed value loss settlement.

 

Service lines

Underground service lines are protected in the event they are damaged by rust, general wear-and-tear, or other perils.

 

Special personal property coverage

Provides expanded coverage for your personal possessions, including additional causes of loss such as misplacement.

 

Auto-Owners home insurance discounts

Auto-Owners Insurance offers customers a number of discounts to help you save on a homeowners insurance policy. 

  • Multi-policy discount: Receive discounts when you have other qualifying policies with Auto-Owners.
  • Life multi-policy discount: Save on your premiums when you have a life insurance policy with Auto-Owners.
  • Payment history: Pay on time and see savings.
  • Paid-in-full discount: Save more if you pay your annual policy premium in full.
  • Green discount: Paperless billing and online payments can help you save.
  • Advance quote: Get a quote before your policy starts and you could be eligible for a discount.
  • Protective devices discount: Devices like smoke detectors and fire extinguishers could make you eligible for this discount.
  • Water shut-off system discount: Installing a system that automatically turns off your home’s water supply when a leak is detected could lead to savings.
  • Automatic backup generator discount: Discounts could be available for those with a generator. 
  • Mortgage-free discount: If your home is paid off, you could see savings on insurance. 
  • Deductibles: Higher deductibles lead to lower insurance rates.
  • Favorable loss history: Keep your claims few and far between to see savings on your policy.

 


 

Additional lines of insurance

As stated above, Auto-Owners Insurance doesn’t limit itself to car insurance. Below you’ll find a number of other insurance products available from the company. 

 


 

Is Auto-Owners Insurance right for you?

In general, those with Auto-Owners policies tend to be fairly happy with their coverage. However, that doesn’t necessarily mean that it’s the right company for you. If your priority is to simply find the cheapest insurance rate, you may be able to find more affordable coverage elsewhere. 

It never hurts to shop around when searching for a new insurance policy. Take some time to look into coverage options and customer reviews of multiple carriers, and remember that you can get free insurance quotes that can lead you to an insurance policy that’s right for you. The Zebra is a convenient way to compare over 100 insurance quotes at the same time. Simply enter your ZIP code below to get started.

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Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a masters degree from Royal Holloway, University of London. He has been quoted by Kin Insurance, Safety.com, and autoinsuranceEZ.com.

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