auto owners expert reviewauto owners consumer reviewsauto owners review Overview is the web presence of a clearinghouse of independent insurance brokers. They were founded in 1916 and have been providing financial services products since. The company is comprised of five property and casualty companies, paired with an annuity and life/health insurer. The company is headquartered in Lansing, Michigan. Prospective policyholders enter their information and receive a series of quotes based upon this information. Coverages vary greatly by the policyholder’s state of residence.

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Coverage Details
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The Good has provided a way for consumers to find the best insurance coverage for their specific needs. Users will be able to quickly identify independent insurance brokers that meet all qualifications and can provide the level of insurance expected. Benefits of the Auto-Owners platform includes the following:

Coverage Features:

The following coverages are available for policyholders with, but specific limits and coverages vary greatly between states as well as the company which holds the insurance policy.

  • Property damage – Yes
  • Bodily injury liability – Yes
  • Uninsured motorist – Yes
  • Personal injury – Yes
  • Collision – Yes
  • Comprehensive – Yes
  • Medical payments – Yes
  • Rental – Yes
  • Emergency road service – Yes

Policy Add-Ons:

Additional coverages which might be available, depending on the policy include:

  • Full glass coverage
  • Loan/Lease gap coverage
  • Non-owned vehicle
  • Personal injury protection
  • Pet medical coverage
  • Underinsured motorist liability or property damage

Service Coverage:

While the company does not write policies for residents of all 50 states, they cover more states than many smaller companies. Auto insurance coverage is available for residents of the following 26 states: 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.


Dependent on the policy and the company which it is written as well as the state in which a policyholder lives, they may be eligible for one of the following discounts:

  • Company Car
  • Discounts for Safe Driving
  • Green Discount
  • Group/Franchise
  • Mature Drivers
  • Multiple Vehicles
  • Multi-Policy Discounts
  • Paid In Full Discount
  • Safe Drivers
  • Safety Feature Discounts
  • Student Discounts

Experience: began offering their independent auto insurance products in 1916.

The Bad

While there are obvious benefits of using, there are limitations to the service as well. These drawbacks may prevent prospective customers from using the service to obtain auto insurance. These disadvantages include:

Price Range: is a clearinghouse site for prospective insureds to compare rates from independent insurance companies. As such, there pricing estimates are significantly more varied than those of single companies.

The Review Team requested a quote using the same specifics of a 25-year-old with a Toyota Camry, and in spite of the promise of receiving several quotes via email, did not receive a single quote from

File/Track Claims

Users may not file or track claims on, but depending on which company that the customer selects via their independent agents, file and tracking claims may be available online.

The Bottom Line

There is a significant key feature which is missing from the grading criteria, when reviewing and recommending – the price quote. This ultimately hurts the company’s rating, but is not as serious as some other possible voids. Being that the company offers products and referrals to local independent insurance agencies, it is not always clear with whom a prospective customer will be purchasing a policy. Not being sure about the specifics of a policy has its drawbacks.

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