Is Auto-Owners a Good Car Insurance Company?
Last Updated on March 14, 2020
If you are on the prowl for new auto insurance, Auto-Owners Insurance is worth consideration. This insurance company provides affordable insurance from a trustworthy group with some unexpected niceties. If you are looking for direct, one-on-one interactions with a friendly agent at your convenience, you will find it with Auto-Owners Insurance. The company also provides a TrueRide safe driving app that will help you save money on your monthly premium. Let’s take a closer look at whether you should do business with Auto-Owners Insurance.
Affordable Auto Insurance You Can Count On
Auto-Owners Insurance provides fairly low rates for those with solid driving records. As long as you do not have an abundance of accidents and tickets, you will likely find this auto insurance quite affordable. You will certainly enjoy personalized service each time you interact with an Auto-Owners Insurance customer service agent. Though purchasing options are limited to interactions with independent agents, customers enjoy a convenient driver safety rating program accessible by smartphone. This safety rating program really can provide meaningful auto insurance discounts as long as you prove your merit as a safe driver.
An Old-fashioned Auto Insurer
Auto-Owners Insurance is somewhat of a throwback in the auto insurance industry. As noted above, drivers must acquire insurance by way of an independent agent in their local area. The interactions with the customer service agents will be over the phone as opposed to on the web. This setup is perfect for those looking to participate in a close relationship with their auto insurer. This way, if you have pressing questions or have to file a claim, the individual you interact with will know all about your auto insurance policy, who you are, etc.
Few auto insurance providers outrank Auto-Owners Insurance in the customer service category. However, those who prefer to purchase and manage their auto insurance on the web will likely find other more modern insurers are a better option. Yet most drivers care more about their monthly premium than anything else.
What Matters Most: the Rates
The auto insurance rates provided by Auto-Owners Insurance are quite competitive. Though there is a common misconception working directly with an auto insurance agent will spur a lofty premium, this is not the case with Auto-Owners Insurance. Take a look at the company’s insurance rates and you will find they are comparable with competitors. In the end, pricing probably won’t be a deal-breaker.
Location, Location, Location
As is often said, location is everything when it comes to real estate and pricing for services. Auto-Owners Insurance was founded over a century ago yet it does business in merely 26 states. If you are thinking about moving to a new state, Auto-Owners Insurance is not ideal for you. This insurance is best for those who plan on staying at their current location for at least the next year.
Auto-Owners Insurance provides drivers with a decent number of discounts. However, many of these discounts are dependent on bundling several policies, paying the bill on time or early, engaging in safe driving habits, etc. Though Auto-Owners Insurance does not have any especially unique discounts, its special offers/rates will certainly help lower your monthly premium. As an example, you can save a bundle on auto insurance if you bundle multiple policies through the company including home and life insurance. There is also a discount for insuring several vehicles on one policy. In fact, the company even offers pet insurance. Couple pet insurance with car insurance and you just might snag an excellent deal.
Additional discounts are available to those who pay early or on time for 36 consecutive months, those who have vehicles with the latest safety features and those who opt for paperless billing. Even teen drivers enjoy a discount. The company’s good student discount for the installation of a GPS device in the vehicle mainly driven by a teen qualifies him or her for the discount. A monthly premium reduction is also available if the teen driver’s school is especially far away from home. The moral of this story is Auto-Owners Insurance makes driving that much more affordable for countless drivers. Comply with the company’s requirements for discount eligibility and you will likely find your monthly auto insurance premium is surprisingly affordable.
The Downside to Auto-Owners Insurance
For all the good with Auto-Owners Insurance, there is also some bad. The company’s coverage does not extend to the entirety of the country. Furthermore, Auto-Owners Insurance customers cannot purchase and manage their coverage on the web with any sort of ease. This auto insurance company’s coverage is exclusively available by way of independent agents. In other words, you cannot directly purchase coverage from the company. Rather, you have to interact with an independent agent in your area. Finally, there have been a few complaints about the company’s claim processing time. Hang in there, be patient, let Auto-Owners Insurance get the wheels in motion and your claim will be processed in due time.