Auto Owners Insurance Company was founded in Mount Pleasant, Michigan in 1916 and provides car, home, life, and business insurance.
Auto Owners Insurance Group is made up of five property and casualty companies and one life and health provider. For the past 14 years, this group has been ranked among the Fortune 500, and their written premium is around $6 billion.
Auto Owners is represented by over 35,000 independent agents in more than 6,000 agencies in 26 states including Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nebraska, North Carolina, North Dakota, Ohio, Pennsylvania, South Carolina, South Dakota, Tennessee, Utah, Virginia, and Wisconsin.
Auto Owners network of independent agents means you’ll get local, unbiased insurance advice that you can trust.
Auto Owners Insurance has a reputation for excellence that is proven by their affordable premium rates, customer and claims services, financial stability, and flexible payment options.
Auto Owners offers a variety of specific auto insurance discounts to their customers so be sure you’re taking advantage of all the savings you’re eligible for by contacting your current Auto Owners insurance agent or unlocking them on Insurify! You could save with a:
*Discounts vary by state and certain criteria set by the insurance provider must be met in order to qualify for discounts.
|Discount Type||Discount %|
|Passive Restraint Discount||up to 35%|
|Multiple Vehicle Discount||up to 31%|
|Student Away at School Discount||up to 25%|
|Multiple Policy Discount||up to 14%|
|Prepay Discount||up to 14%|
|Anti-Theft Device Discount||up to 11%|
|Good Student Discount||up to 10%|
|Anti-lock Brake Discount||up to 10%|
|Company Car Discount||up to 5%|
|Eco-nomy Car Discount||Varies|
|Good Credit Discount||Varies|
|Mature driver discount||Varies|
|Paid in full discount||Varies|
|Good Driver Discount||Varies|
|Accident Free Discount||Varies|
|Paperless documents discount||Varies|
Auto Owners has been offering its customer exceptional service for over 100 years. Their independent insurance agents are available to help you file a claim over the phone or in person at one of their 80 claim office locations.
Auto Owners roadside assistance is available 24 hours a day, 7 days a week over the phone.
With an online account, Auto Owners customers can track a claim and their claim history 24/7. Customers can also use their accounts to manage their policies, make payments, and print insurance ID cards.
|Gap Insurance||If your vehicle is loaned or leased and totaled, Gap insurance may pay for the difference between the cash value of the vehicle and the unpaid balance of the loan or lease.|
|Pet Coverage||Helps cover veterinary expenses in the event that your pet is injured or dies in a collision.|
|Rental Reimbursment||Reimburses the per day cost of a rental car (daily and maximum reimbursement may vary)|
|Road Side Assistance||Typically adds coverage for towing, tire changes, lockout services, and more|
|Antique or Collector Car Insurance||Covers your antique or collectors edition car.|
|Umbrella Policy||Adds protection against liability claims/judgements when your auto insurnce liability limits have been reached.|
|Automatic Online Payments||Forgetful? This option automatically charges your credit or debit card that you provided so that you never have to worry.|
Auto Owners car insurance policies will cover a wide variety of motorized vehicles including all-terrain vehicles, antique vehicles & classic vehicles, automobiles, converted or modified vehicles, low speed vehicles, mopeds, motor homes, motorcycles, recreational vehicles, utility trailers, vacation trailers/campers.
Available coverages and discounts may vary by state, but will most likely include:
Bodily Injury Liability
Full Glass: This coverage is optional and part of the comprehensive auto insurance coverage plan with Auto Owners. It will cover the repair or replacement of your car’s glass. Your deductible will be waived if your windshield only needs to be repaired.
Loan/Lease Gap: Provides higher coverage limits of the actual cash value of your car. In the event that your car is stolen or a total loss, this coverage will pay the balance of your existing car loan if it is greater than the actual cash value of your vehicle at the time of the loss.
Personal Auto Plus: This optional coverage provides additional auto insurance for a variety of losses including:
Trip Interruption Coverage
Cellular Phone or 2-Way Communication Device Coverage
Increased Transportation Cost Coverage
Non-Owned Trailer Physical Damage Coverage
Supplementary Payments Coverage
Identity Theft Expense Coverage
Personal Property Coverage
Automobile Stereo, Video & Media Coverage
Rental Automobile Gap Coverage
Loss of Use by Theft Coverage
Personal Injury Protection
Pet Medical Coverage
Physical Damage Plus
Property Damage Liability
Rental Car: This coverage automatically applies when you have full coverage with Auto Owners and will pay for repairs or replacement and gap coverage to rental vehicles.
Road Trouble Service: Covers 24 hour, 7 day a week roadside assistance including towing, flat tires, dead batteries, emergency fluid services, and lock out service. Call their toll-free line at 1-888-TOW-AOIC (1-888-869-2642).
Underinsured Motorist Liability
Uninsured Motorist Liability
Uninsured Motorist Property Damage
Auto Owners offers a variety of home insurance coverages and their independent agents will make sure there aren’t any gaps in your protection for your home, condominium, renters, mobile home, farms, rental home, and your possessions.
Available coverages and discounts may vary by state.
Auto Owners optional home insurance coverages include:
Backup of sewer and sump pump
Food spoilage from power outage
Golf and other sports equipment
Identity theft expense
Personal umbrella liability
Auto Owners offers a variety of life insurance coverages and their independent agents will make sure there aren’t any gaps in your life, annuities, long term care and disability income protection.
Available coverages and discounts may vary by state and may include:
Permanent Life insurance:
Universal Life: Auto Owners offers perma Term 2 and 3 Universal Life policies. This policy provides immediate cash value, flexible payment plans, tax deferred savings, and guaranteed death benefits.
Whole Life: Provides cash value and supplement retirement income at varying coverage levels.
Simplified Issue Whole Life: Provides coverage for finals expenses like funeral costs, outstanding debt, and medical bills. Coverage provides cash value up to the policyholder age of 110 for those insured between the ages of 50 to 80.
Simplified Issue Children's Whole Life: Provides death benefits and cash values to the age of 110 for those insured from birth to age 17.
Term Life Insurance: Term Life Insurance provides coverage for a specific period of time such as 10, 20 or 30 years. It is meant for short-term protection from things such as debt obligations and mortgages. Typically, term insurance does not provide cash value.
Optional Life Insurance Benefits: Auto Owners offers a handful of optional benefits with their life insurance policies including:
Disability Waiver of Premium
Mortgage Payment Disability Benefit
Payor Death and Disability
Guaranteed Purchase Option
Annuities: Set aside money on a tax deferred basis that will provide consistently provide income over a lifetime. In the event of a death, your annuity can be passed on to a named beneficiary.
Long Term Care: Protect your assets while you are receiving long term care in a facility or within your own home. Coverage can be purchased for 2, 4, 6, or 10 years. Auto Owners offers 2 types of long term care coverage including Auto Owners Care Benefits and Auto Owners Care Benefits Plus.
Disability Income: This coverage will provide money to replace earned income while you’re disabled from a sickness or an accident. Auto Owners disability income features:
24-hour-a-day coverage while on or off the job
A non-smoker discount
Benefit period of 2 years, 5 years or to age 67
A First Day Disability Income Benefit to provide a daily income while you’re hospital confined
Premiums waived after disability has lasted 90 consecutive days
A partial disability benefit is included
A recurrent disability benefit is included
Disability income for business owners includes reimbursements for expenses such as salaries, business insurance, operating expenses, etc. and a return to work rider
Auto Owners business insurance policies will cover a wide variety of both large and small businesses.
Available coverages and discounts may vary by state, but will most likely include:
Commercial automobiles: Provides auto insurance coverage for Manufacturing & Distributing, Trucking, Contractors, Delivery, Farm, Landscaping & Snow Removal, Errand Vehicles, Catering, School-Owned Autos and Buses. Auto Owners offers a variety of standard and optional coverages for commercial vehicles including discounts.
Garages & dealerships
Excess business liability
Cyber liability coverage: This protection includes customer names, social security numbers, credit card numbers, health information, and even the threat of a computer virus.
Optional business insurance coverages include:
Business life insurance
Contractors equipment and other Inland Marine coverages