Auto Owners Insurance: Are There Rebates Available?

Auto-Owners Insurance is a company that offers a variety of vehicle insurance options, including car insurance. They are one of the best car insurance companies in the US, with low rates for good drivers and young drivers, and a low level of complaints. They also offer a wide range of discounts, including for good students, paperless billing, multi-car policies, and paid-in-full discounts. However, they have high costs for parents adding a teen to policies and drivers with poor credit. So, is Auto-Owners Insurance giving rebates?

Auto-Owners Insurance offers a variety of vehicle insurance options, including cars, motorcycles, and boats

Auto-Owners Insurance offers a wide range of insurance options for vehicles, including cars, motorcycles, boats, mobile homes, and ATVs. The company provides coverage for a variety of vehicles, ensuring that customers can find the protection they need for their mode of transportation.

Auto-Owners Insurance understands that your car is important to you, and they are committed to providing the necessary coverage. Their policies are designed to protect your car, offering a range of options to meet your specific needs. With their Road Trouble Service, for example, you can get assistance if you're stranded on the road due to a flat tire, minor mechanical issue, or a dead battery. They also offer a Purchase Price Guarantee, which helps protect the investment in your new car by covering the broadest coverages and limits specified on your policy.

For those who enjoy riding motorcycles, Auto-Owners Insurance has you covered there as well. Their policies can provide essential protection for your two-wheeled vehicle, giving you peace of mind while you're out on the open road.

Boat owners can also find the insurance coverage they need with Auto-Owners Insurance. Their policies can help protect you and your boat, ensuring that you can enjoy your time on the water without worrying about the financial implications of potential incidents.

In addition to cars, motorcycles, and boats, Auto-Owners Insurance also offers coverage for other types of vehicles. If you own a mobile home or an ATV, you can find specialized insurance policies tailored to your specific needs.

Auto-Owners Insurance is dedicated to providing their customers with the right coverage for their vehicles. By offering a variety of insurance options, they ensure that you can get the protection you need, no matter what type of vehicle you own. With their competitive pricing and range of available discounts, Auto-Owners Insurance makes it easy for you to get the coverage you need at a price that works for you.

Auto-Owners has mediocre car insurance rates for good drivers

Auto-Owners Insurance has been in business since 1916 and currently operates in 26 states. The company offers a range of insurance products, including car insurance, and is represented by over 48,000 licensed agents.

Auto-Owners stands out for its ample coverage options, especially for new car owners. The company offers a "purchase price guarantee," which pays out the original purchase price if your car is totaled within the first two years of ownership. Additionally, its "total loss to a new automobile" coverage replaces your vehicle with a new one if it is totaled within 90 days of purchase.

Auto-Owners also provides other add-on coverages, such as additional expenses coverage, diminished value coverage, and a personal automobile plus package. The company has a low level of complaints and received a good grade (B) from repair specialists for its claim processes.

However, Auto-Owners' car insurance rates for good drivers are mediocre compared to competitors. While its national average rate for good drivers is over $150 below the industry average of $2,026 per year, there are other companies that offer more competitive rates.

Furthermore, Auto-Owners' rates for drivers with poor credit and parents adding a teen driver to their policies are relatively high compared to other insurers. The company also does not provide SR-22 filings, which may be required for drivers with multiple traffic accidents or a history of driving without insurance.

Auto-Owners offers its customers a wide range of ways to save on car insurance

Auto-Owners Insurance offers its customers a wide range of ways to save on car insurance.

Firstly, customers can benefit from a multi-policy discount when they have other qualifying policies with Auto-Owners, such as a life insurance policy. Additionally, customers who have paid their premiums on time for 36 months consecutively are eligible for a discount. Auto-Owners Insurance also offers a paid-in-full discount, where customers can save money by paying their policy premium in full and on time. Furthermore, customers can opt for paperless billing and pay their policy premiums online to qualify for an additional discount.

Auto-Owners Insurance also provides a discount for new applicants who request a premium quote before the effective date of the policy. Insuring two or more private passenger vehicles on your personal auto policy may also result in a discount. Safety features on your vehicle, such as anti-lock brake systems (ABS), airbags, or anti-theft devices, can help you qualify for a safety feature discount.

For students, Auto-Owners Insurance offers a Good Student discount of up to 20% for maintaining a "B" or better grade point average. There is also an additional discount for students who are attending school more than 100 miles from home without a vehicle.

Auto-Owners Insurance provides a Teen Driver Monitoring discount, which is dependent on having a permanently installed Global Positioning System (GPS) within the vehicle operated by the teenager or having the teen enrolled in an eligible smartphone app.

It's important to note that Auto-Owners Insurance works solely through independent agents, ensuring customers receive skilled protection and the right coverage for their needs.

Auto-Owners has a lower level of auto insurance complaints than many large insurers

The company's Collision Coverage Advantage coverage will also waive your collision deductible if you're involved in an accident with another vehicle that's insured by Auto-Owners.

Auto-Owners has a B grade from collision repair professionals for its claim processes, indicating good repair practices. The company's complaint levels have been falling in recent years and are currently below the industry average.

Auto-Owners offers additional coverage options, including additional expenses coverage and personal automobile plus package

Auto-Owners Insurance offers a wide range of additional coverage options to its customers. One of these options is additional expenses coverage, which comes in handy when you can't use your vehicle due to an accident or other issues covered by your policy. This coverage helps pay for a rental car, as well as food, lodging, and other incidental expenses if you're stranded away from home. This can be a lifesaver when unexpected situations arise, ensuring that you don't have to worry about the additional costs of alternative transportation and accommodations.

Another valuable coverage option offered by Auto-Owners is the Personal Automobile Plus Package. This package provides an extensive range of additional protections, including identity theft coverage, cell phone replacement, and lock re-keying services. In today's digital age, identity theft is a growing concern, and having coverage for expenses incurred while restoring your financial identity can provide much-needed peace of mind. Additionally, with the ever-present use of cell phones in our daily lives, the inclusion of cell phone replacement coverage is a practical benefit. The package's lock re-keying service is also a unique feature, ensuring that you can quickly and easily replace your locks if needed.

Auto-Owners Insurance also offers other valuable coverage options to enhance your protection. For instance, their Diminished Value coverage compensates you for the reduction in your vehicle's value after an accident, even after repairs are made. This is especially useful given that accidents can often impact a car's worth beyond what repairs can restore. Furthermore, their Common Loss Deductible coverage comes into effect if an event damages both your car and your home. In such cases, they will reduce or even waive your auto deductible, depending on the amount of your personal property deductible. This coverage can provide significant financial relief during challenging times.

With these additional coverage options, Auto-Owners Insurance provides its customers with comprehensive protection that goes beyond the basics. These options ensure that customers are prepared for a wide range of scenarios and can have peace of mind knowing that they are covered, no matter what life throws their way.

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