Auto-Owners.com Overview

Auto-Owners.com 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.
auto owners expert reviewauto owners consumer reviewsauto owners review

 

Rank Chart
Price
Coverage Details
Our Score
#1
$129-145
9/10
7.5
#2
$78.10
8/10
7.3
#3
$112
9/10
6.9
#22
auto_owners
Undisclosed
10/10
4.0

The Good

Auto-Owners.com 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 Auto-Owners.com, but specific limits and coverages vary greatly between states as well as the company which holds the insurance policy.

  • Bodily Injury
  • Property Damage
  • Uninsured
  • Underinsured Motorist Coverage
  • Medical Payments
  • Personal Injury Protection
  • Comprehensive
  • Personal Auto Plus Package
  • Rental car expenses
  • Road Trouble Service
  • Collision

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.

Discounts:

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:

  • Accident foregivness
  • Feature 15
  • Multicar
  • Multi-policy
  • Passive restraints
  • Antitheft
  • Antilock
  • Youthful driver
  • Driver training
  • Youthful longevity
  • College student
  • Age 55 and over
  • Accident prevention course
  • Reduced usage
  • Payment plans

Experience:

Auto-Owners.com began offering their independent auto insurance products in 1916.

The Bad

While there are obvious benefits of using Auto-Owners.com, 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:

Auto-Owners.com has not disclosed pricing information.

File/Track Claims

Users may not file or track claims on Auto-Owners.com, 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 Auto-Owners.com – 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.

Are there any inaccuracies in this review? We take our accuracy very seriously and would love your feedback. Give feedback here.

X close
X close

1 Auto-Owners.com Reviews

1. Select Your Rating:

1
0=WORST 10=BEST

2. Subject For This Review*(Select all that apply)

0 characters

3. Review Validation*

or

    Sort By:

  1. User Score

    10

    November 10th, 2016 Helena, AL

    Let me first disclose that I am an independent insurance agent. Auto-Owners is by far better than any other car insurance company out there from a claims standpoint. Their underwriting process is much more stringent than other companies. This process will eliminate high risk drivers from being insured with the company. This allows them to keep rates stable and even lower rates at a time when most are going up. If you want a company that will be there when you need them. Then Auto-Owners is the company you want to be with!

    Read More

    Was this review helpful?