Auto-Owners Insurance: Unlocking Discounts For Safe Drivers

Auto-Owners Insurance is a regional insurance provider that offers standard car insurance policies and a range of add-on options for drivers. The company has been in business for over a century and has established a reputation for strong financial stability and reliable customer service.

Auto-Owners Insurance offers a variety of discounts to help keep costs low for its customers. These include multi-policy discounts, good student discounts, safety feature discounts, and paid-in-full discounts, among others.

One notable discount offered by Auto-Owners Insurance is the no tickets or accident discount. This discount is available to drivers who have had no accidents or traffic violations within a certain period, typically ranging from three to five years. This type of discount is often referred to as a good driver or safe driver discount and can result in significant savings on insurance premiums.

Overall, Auto-Owners Insurance provides a range of coverage options and discounts to meet the needs of its customers, making it a competitive choice for those seeking car insurance in the regions it serves.

Multi-policy discounts

Auto-Owners Insurance offers multi-policy discounts to customers who have other qualifying policies with them. This includes life insurance policies.

Bundling car and home insurance is one of the biggest discounts you can get, often resulting in savings of 5% to 25%. State Farm offers an average discount of 23% for multi-policies, while American Family and Farmers offer an average of 18%.

If you're not a homeowner, you can still benefit from multi-policy discounts. For example, Progressive offers a discount if you carry auto and boat insurance with them. They also allow you to combine auto insurance with motorcycle or RV insurance, or any other combination of their products.

Safety feature discounts

Safety features are an important consideration when it comes to auto insurance and can often result in significant discounts on your premium. These discounts are offered because safety features reduce the risk of accidents and minimize damage in the event of a collision, thereby lowering the financial burden on insurance companies.

• Airbags: The more airbags, the higher the discount. Dual front and side airbags will result in a higher discount than just front airbags.
• Anti-lock brakes: Anti-lock brakes reduce the distance required for a car to stop and help prevent collisions. Some states, such as Florida, New Jersey, and New York, require insurance companies to offer discounts for vehicles with anti-lock brakes.
• Electronic Stability Control (ESC): This feature helps prevent vehicles from skidding out of control and rolling over. A few insurers offer discounts on collision premiums for vehicles with factory-installed ESC systems.
• Seat belts: The use of seat belts can result in discounts on Personal Injury Protection (PIP) and medical payments coverage.
• Daytime running lights: While not common, some insurers may offer a discount on liability, PIP, medical payments, and collision coverage for vehicles with daytime running lights.
• Crash-resistant doors: This safety feature can help reduce claims, and some insurers offer discounts on collision premiums for vehicles with crash-resistant doors.
• Anti-theft devices: These can range from audible alarms to GPS tracking systems and Lojack recovery systems. The more effective the device is at preventing theft or recovering stolen vehicles, the bigger the discount.
• Adaptive headlights: Headlights that angle around turns to improve visibility and reduce the risk of accidents.
• Blind-spot warning: This feature alerts drivers to objects or vehicles in the blind spots that are not visible in mirrors.
• Drowsiness detection: Technology that detects driver drowsiness and signals them to pull over, helping to prevent accidents caused by driver fatigue.
• Heads-up display: This feature projects important data like directions, speed, and navigation into the driver's line of sight, reducing the need to look away from the road.
• Left-turn crash avoidance: Warns drivers of potential collisions during left turns at intersections or traffic lights.
• Pedestrian detection: Sensors that detect people crossing the vehicle's path and may automatically apply the brakes.
• Lane-assist features: These features help drivers stay in their lane and avoid collisions, including lane-centering assist, lane-change warning, lane-departure warning, and lane-keep assist.
• Parking safety features: Technology that assists with parallel parking or provides a 360-degree camera view to remove blind spots and improve safety when backing up.

It is important to note that not all insurance companies offer safety feature discounts, and the availability and amount of the discount can vary by company, state, and vehicle. Additionally, advanced safety features may result in higher repair costs, which could offset the savings from the discount. When shopping for a new vehicle or insurance policy, be sure to inquire about specific safety feature discounts and consider the overall impact on your insurance costs.

Good student discounts

Auto-Owners Insurance offers a Good Student discount of up to 20% for students who maintain a "B" or better grade point average. This discount is available to students up to the age of 25.

The Good Student discount is one of many ways to save on your Auto-Owners Insurance policy. The company also offers discounts for those with a favourable loss history, paid-in-full policies, paperless billing, multiple vehicles, and safety features such as anti-lock brakes, airbags, and anti-theft devices.

Auto-Owners Insurance is also one of the cheapest car insurance companies for teens and young drivers between the ages of 16 and 19, charging an average of $4,621 per year.

• Shop around for quotes from various providers.
• Submit proof of good grades, usually in the form of a transcript or report card.
• Compare quotes from companies that offer good student discounts, such as State Farm, Geico, and USAA.
• Maintain a clean driving record.
• Increase your insurance deductible.
• Bundle insurance coverage plans, such as renters or homeowners insurance with car insurance.
• Look for driver affiliation discounts, such as for members of certain fraternities or sororities.

Student away at school discounts

Auto-Owners Insurance offers a range of discounts to help customers save on their auto insurance policies. One notable discount is the Student Away at School discount, which is designed to benefit students who are studying away from home and do not have regular access to a vehicle. This discount can provide significant savings for families with student drivers.

To qualify for the Student Away at School discount, certain criteria must be met. Firstly, the student must be listed on the policyholder's auto policy as a driver of the insured vehicle. Secondly, the student should be attending and residing at a school located more than 100 miles from their home address. Additionally, to be eligible for the discount, the student should not have their own vehicle while at school and should only drive the insured vehicle occasionally, such as during school breaks or holidays.

The Student Away at School discount is particularly relevant for parents or guardians of college students who are pursuing their education away from home. By meeting the eligibility criteria, they can benefit from reduced insurance rates, making it more affordable to maintain auto insurance coverage for their family.

It is important to note that the specific requirements and discount amounts may vary across different insurance companies. Therefore, it is advisable to consult with an independent agent or insurance representative to understand the exact terms and conditions of the Student Away at School discount offered by Auto-Owners Insurance.

Paid-in-full discounts

Auto-Owners Insurance offers a Paid-in-Full discount, which can help you save a significant amount of money on your insurance policy. This discount is available to those who pay their 12-month premium in full and on time by the due date of their first bill. Alternatively, you can pay half of the premium by the due date of your first bill and the remaining half with your second bill, six months later, and still receive the discount.

To make it easier to pay your premium in full, Auto-Owners Insurance offers the option to set up automatic payments from your credit card or bank account. This ensures that you never miss a payment. The discount percentage may vary depending on the state you live in and the type of policies you have with Auto-Owners.

In addition to the Paid-in-Full discount, Auto-Owners Insurance offers other ways to save on your auto insurance. These include discounts for paying your premiums on time for 36 months, enrolling in paperless billing and paying your policy premiums online, and having two or more private passenger vehicles insured on your personal auto policy.

Auto-Owners Insurance also values safety and offers discounts for vehicles equipped with safety features such as anti-lock brake systems (ABS), airbags, and anti-theft devices. Assuming some of the risks yourself by choosing a higher deductible may also reduce your policy premium.

Frequently asked questions