Pros and Cons of Auto-Owners Car Insurance

Listed in the fortune 500 companies, Auto-Owners Insurance is one of the most respected names in car insurance. With a strong focus on customer service, competitive rates, and excellent coverage options, Auto-Owners Insurance provides many benefits to those who choose it as their auto insurer. Contrary to its title, Auto-Owners Insurance doesn't only provide automotive coverage.

They offer an array of insurance policies that have been consistently praised and touted in numerous online reviews as top-of-the-line when it comes to car insurance options. With most services voted average and above average, this guide will help you understand the pros and cons of the Insurance group.

About Auto-Owners Insurance Group

Auto-Owners Insurance is a Fortune 500 company that provides customers with personal, business, and life insurance solutions. It is one of the largest insurers in the United States and operates through independent agents nationwide. Auto-Owners Insurance was founded in 1916 and is headquartered in Lansing, Michigan.

The company offers several types of insurance coverage, including auto, home, life, health, umbrella, and commercial policies. With Auto-Owners Insurance, you can get protection for your vehicle from damages caused by an accident or theft and any liability costs resulting from an at-fault accident. For those with homes, Auto-Owners also offers homeowners' insurance which covers damage to your house from fire or other disasters that may occur.

The insurance company provides life insurance policies to help your family cope with losing a loved one. They also offer health insurance plans to cover medical costs and other expenses associated with illness or injury. Lastly, Auto-Owners offer umbrella coverage and additional protection from large liability claims and judgments.

Auto-Owners Insurance has provided quality service and reliable products for over 100 years, helping customers protect what matters most. With a history of financial stability and excellent customer service ratings, you can trust them to take care of the needs of your family or business at an affordable price. Whether you need auto insurance, homeowners' insurance, or some other kind of policy, Auto-Owners Insurance will have the plan to fit your budget and meet your individual needs.

What are the Pros of Auto-Owners Insurance Group?

Based on different references, the following are the pros of Auto-Owners Insurance Group:

1. Customer Satisfaction

The company has retained a reputable customer satisfaction rate and has won several awards in the insurance sector.

2. Financial Stability

Auto-Owners Insurance Group is one of the most financially stable companies in the United States, granting customers peace of mind that their insurer can pay out on claims when needed.

3. Range of Coverage Options

The company offers a wide range of coverage options, including auto, home, life, health, umbrella, and commercial policies.

4. Competitive Rates

Auto-Owners Insurance provides competitive service rates, ensuring that customers get value for money.

5. Customer Service Auto-Owners

The company offers excellent customer service with staff who are available 24/7 to answer any questions or concerns you may have. You can contact customer service at 800.288.8740 or via the web at

6. Deductible Benefits

If your home and car insurance policies are both through Auto-Owners, and you need to claim the same protected loss, then Auto-Owners will reduce or even waive your auto policy deductible per how much is left on your homeowners' coverage. Your collision deductible is also waived if you crash with another Auto-Owners customer in your policy.

7. Rental Car Coverage

Auto-Owners will take care of your rental car fees in the event that an accident occurs - just like most other insurance companies. As long as you have a valid personal auto insurance policy, this applies to any car you rent too! You can travel with ease knowing that if anything happens, all expenses are covered by Auto-Owners.

What are the Cons of Auto-Owners Insurance Group?

Despite the impeccable services, there are some points where the Auto-Owners Insurance group falls short. Here are some of the major ones.

1. Limited Coverage Options

The company offers limited coverage options, meaning customers may have to look elsewhere if they're looking for a certain type of coverage.

2. Availability

The insurance group is only available through independent agents and not through online websites or direct sales, making it harder to find an agent near you. Apart from that, the company offers services in 26 states of the country.

3. Limited Reach

That’s one of the major drawbacks of this company. It operates primarily in the United States and does not cover international locations.

4. Quotes Availability Online

If you prefer to manage your affairs online, the lack of Auto-Owners' availability for obtaining quotes can be irritating. As an alternative, contacting a local independent agent is necessary to acquire accurate and reputable coverage prices.

5. Complicated Claims Process

The claims process can be complicated and time-consuming, with customers often having to give detailed information about the incident for their claim to be processed.

6. No options for a driver needing SR-22 Filings

The company does not offer any coverage for drivers that need SR-22 Filings. You'll have to look for other insurance companies if you are one of them.

7. There are cheaper alternatives

While the insurance company provides competitive rates and services, other insurance companies offer their policies at lower prices.

Final Verdict

Auto-Owners Insurance Group is a great choice for those looking for reliable coverage at competitive rates. The company has earned its reputation as a trustworthy insurer over its long history of providing quality services and products. In addition, its financial stability ensures that customers can trust them to meet their obligations when they need it most. While there are some downsides, such as limited coverage options, availability issues, and lack of discounts, Auto-Owners still offer a great option for those seeking reliable insurance coverage.

Pros and Cons of Auto-Owners Car Insurance

Frequently Asked Questions

Does Auto-Owners offer international coverage?

No, Auto-Owners only provides services in the United States.

How do I claim a deductible reduction or waiver with my Home and Car Insurance policies?

If you have both your home and car insurance through Auto-Owners, you can reduce or even waive your auto policy deductible if a claim is made for the same protected loss. Additionally, your collision deductible can be waived if you get into an accident with another Auto-Owners customer on their policy.

Is it possible to get quotes online from Auto-Owners Insurance Group?

Unfortunately no, quotes are not available online from Auto-Owners Insurance Group. In order to get an accurate quote, you will need to contact a local independent agent.

Does Auto-Owners offer rental car coverage?

Yes, Auto-Owners provides rental car coverage for customers. As long as you have a valid personal auto insurance policy, this applies to any car you rent too. Auto-Owners will cover all expenses related to the rental in the event of an accident.

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