Auto-Owners Insurance – Why You Should Choose Auto-Owners?

Finding the right insurance can be tricky, but I always turn to Auto-Owners first. As a policyholder for years across multiple states, I’ve been continually impressed by their personalized local service, flexibility to meet my evolving needs, and support in handling claims or issues.

Auto-Owners Insurance

When you want coverage custom-fit for your life and assets, Auto-Owners agents make protecting what’s important simple.

This article will provide a look at Auto-Owners Insurance, including company history, coverage options, customer service, reviews, and ratings.

Introduction

Auto-Owners Insurance is said to have begun in the year 1916 in Mount Pleasant, Michigan. Over 100 years later, they have grown to provide insurance products to over 1 million policyholders, with approximately $12.7 billion in written premiums. Their products include auto, home, life, and business insurance.

Auto owners attribute their success to their dedication to customers and agents. By empowering local agents to provide personalized service and catering to individual needs, Auto-Owners has built a reputation for quality coverage and customer satisfaction.

Auto-Owners Insurance Products

Auto-Owners Insurance offers a wide variety of insurance policies to meet different needs:

Auto Insurance

  • Coverage options – liability, collision, comprehensive, medical payments, uninsured motorist
  • Usage-based “Drive Safe & Save” program provides discounts for safe driving
  • Add-on coverages like rental reimbursement and roadside assistance

Home Insurance

  • Protection for house, condo, mobile home, or rental property
  • Personal property coverage and liability protection
  • Options like water backup, identity theft, and equipment breakdown

Life Insurance

  • Term and whole life policies from Auto-Owners Life Insurance Company
  • Benefits like Living Benefits riders for terminally ill
  • Retirement and estate planning services

Business Insurance

  • General liability, commercial auto, workers’ compensation
  • Industry-specific policies for over 100 classes of business
  • Focus areas like cyber liability and data breach

How to Make Claims with Auto-Owners

The claims process with Auto-Owners Insurance aims to be quick, convenient, and hassle-free. Here is how it works:

Report your claim as soon as possible – Contact your agent or use the Auto-Owners mobile app or customer portal to open a claim. Provide details about what happened and any damage or injuries.

Work with your adjuster to settle your claim – An Auto-Owners claims adjuster will research your policy, evaluate damage or losses through photos or on-site inspections, determine fault, and work to reach a fair settlement.

Receive your claim payment to repair/replace your damages or losses – Once a settlement is agreed upon, payment will be issued promptly according to your policy’s terms. Payments over $5,000 may be issued in installments for convenient management of home repairs.

Leverage guarantees like original manufacturer parts, extended repair warranties, and quality rebuilds to ensure repairs meet Auto-Owners’ standards. Agents are on hand to advocate for policyholders should any issues occur during the restoration process.

How to Get Auto Quotes from Auto-Owners

The easiest way to get a quote from Auto-Owners Insurance is to contact a local agent and provide details like:

  • Type of insurance needed
  • Your age, driving record, and vehicle details for auto quotes
  • Home specs like square footage and construction materials
  • Your business operations

Agents leverage this data to provide free, personalized quotes. Policies and pricing vary by state regulations, so local agents tailor coverage and use knowledge of area rates to find you the best quote.

You can also get a commercial business quote online through the Auto-Owners website providing basic details but will need to speak to an agent to purchase.

How to Contact Auto-Owners Customer Service

Auto-Owners provides multiple ways to contact customer service if help is needed regarding your policy, billing, or a claim:

Call – Agents are your primary point of contact, but policyholders can also call the corporate headquarters at 517-323-1200 or claim after normal business hours.

Online – Get assistance through the customer portal or claims center on the Auto-Owners website during or after office hours.

Mobile App – Download the Auto-Owners mobile app for direct access to your digital ID card, bill payment, online claims, and roadside assistance contact info.

Customer service aims for fast response times and 24/7 availability through options like the app and customer portals. Contact them with any questions or for help managing your policy.

Why You Should Choose Auto-Owners?

Auto-Owners success stems from their customer-focused approach:

Local Independent Agents

Work with local agents in your community to get personalized service and insurance tailored to your needs and budget.

Highly-Rated

Auto-Owners has earned excellent ratings for financial strength and customer satisfaction from:

  • A.M. Best Company – A++ (Superior) Financial Strength Rating
  • J.D. Power – Ranked Highest in Customer Satisfaction among auto insurers
  • Better Business Bureau – A+ Rating

Convenient Service

Manage your policy or file a claim 24/7 through online account access or a mobile app.

Reviews of Auto-Owners Insurance

Many customers highlight the individualized care from local Auto-Owners agents and smooth claims processes as advantages to the provider:

Our agent has provided excellent customer service in helping us choose the right amount of coverage over the years.” – Jennifer S.

“I had to file a home claim after storm damage, and it was handled quickly and fairly. I would recommend Auto-Owners to others.” – Ryan D.

However, some customers in less competitive states have complained about high rates:

“I’m sure the service is good, but premiums are just too expensive here compared to other companies.” – David T.

Overall, Auto-Owners earns 4 out of 5 stars from customers on platforms like Google Reviews and BBB.org thanks to quality coverage options and great customer service.

Frequently Asked Questions

Questions customers often ask about Auto-Owners Insurance include:

How do I get a quote from Auto-Owners?

Contact a local independent agent to receive a customized quote for auto, home, life, or business insurance tailored to your needs.

How do I pay my bill?

Bills can be paid through an online account, mobile app, or through your agent. Auto owners offer choices like one-time payment, recurring auto-pay, or installment plans.

What discounts are offered?

Discounts range by state but often include multi-policy, safe driving, home security devices, good payer, and more. Ask your agent what discounts you may qualify for.

Conclusion

Finding the right insurance to safeguard your assets is important. By now you know that Auto-Owners Insurance stands out as a reputable choice after 100+ years in business.

With a strong financial backing, quality coverage, and excellent service, they are a trusted choice. Consider connecting with a local agent to protect what matters most.

Their focus on local agents providing personalized service and flexibility to meet policyholders’ needs has helped them to grow across 26 states while maintaining high customer satisfaction.

If you’re looking for quality insurance tailored to your specific requirements, Auto-Owners agents make it their mission to safeguard your assets.

More Related Content