Auto Owners Insurance: Nationwide Availability Or Regional Restrictions?

Auto-Owners Insurance Group is headquartered in Lansing, Michigan, and has been in business for over 100 years. The company offers insurance in 26 states and provides insurance to nearly 3 million policyholders. Auto-Owners Insurance is rated highly by WalletHub and AM Best Company and is a Fortune 500 company. In contrast, Nationwide Insurance is available in 30 states and is also a Fortune 100 company. This article will compare and contrast Auto-Owners Insurance and Nationwide Insurance in terms of their history, coverage options, customer satisfaction, and cost to help readers decide which company is the best fit for their needs.

Auto-Owners Insurance is only available in 26 states

Auto-Owners Insurance is a Lansing, Michigan-based company that has been in the insurance business for over 100 years. Despite its name, Auto-Owners Insurance offers a wide range of insurance products beyond car insurance, including home, life, and business insurance. The company is currently represented by 48,000 licensed agents and writes policies in 26 states.

Auto-Owners Insurance is not a nationwide service provider, and its policies are only available in specific states. The company's insurance products are available in 26 states, primarily in the East and Midwest regions of the United States. This limited geographical coverage may be a disadvantage for individuals or businesses seeking insurance services in other parts of the country.

The 26 states where Auto-Owners Insurance is available include 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 Insurance has established a solid reputation in the insurance industry, receiving recognition for its financial strength and stability. It is among the nation's largest insurers, providing coverage to nearly 3 million policyholders. The company has also earned accolades for its customer service and quality, receiving high ratings from organizations like WalletHub and J.D. Power.

In summary, while Auto-Owners Insurance has a strong presence in the 26 states where it operates, it is not a nationwide insurance provider. The company's limited geographical reach may be a consideration for individuals or businesses seeking insurance services in other parts of the country.

Auto-Owners Insurance offers a wide range of insurance types

Auto-Owners Insurance has been in business for over 100 years, providing a wide range of insurance types to meet diverse needs. The company offers property and casualty insurance, including coverage for homes, autos, and businesses. In addition, Auto-Owners provides life insurance policies, ensuring comprehensive protection for its customers.

For homeowners, Auto-Owners offers comprehensive coverage options. Their dwelling coverage pays for repairs to the structure of a home and any attached buildings, ensuring peace of mind for customers. The company also provides coverage for other structures on the property, such as detached garages or storage sheds. Personal property coverage safeguards belongings in the event of fire or other accidents, while personal liability coverage offers protection if someone is injured on the insured's property.

Auto-Owners also excels in vehicle insurance, including cars, motorcycles, boats, and ATVs. Their auto insurance coverages are tailored to keep customers on the road and provide peace of mind while driving. Additionally, the company offers life insurance policies, ensuring financial protection for loved ones.

For business owners, Auto-Owners provides essential coverage. Their business insurance policies help protect companies from unforeseen events and provide stability. The company also offers workers' compensation insurance, which is crucial for businesses and their employees.

Furthermore, Auto-Owners Insurance provides supplemental coverages to enhance their customers' protection. These include identity theft expense coverage, equipment breakdown coverage, and special personal property coverage. The company also offers inland flooding coverage, which is particularly relevant for those residing in flood-prone areas.

Auto-Owners Insurance is dedicated to serving its customers through a network of independent agents. These agents work closely with customers to determine the right coverages for their unique needs. The company's commitment to exceptional financial strength and stability has earned them a superior rating from AM Best Company, a leading insurance rating authority.

Auto-Owners Insurance has excellent customer service

Auto-Owners Insurance is a nationwide insurance company headquartered in Lansing, Michigan. Established in 1916, it has been in operation for over 100 years and is among the nation's largest insurers, providing insurance to nearly 3 million policyholders. The company offers a range of insurance products, including life, home, auto, and business insurance, and is represented by 48,000 licensed agents in 26 states.

Auto-Owners Insurance has an excellent reputation for customer service and has received numerous awards and recognition for its service quality. The company is rated A++ (Superior) by AM Best Company, a nationally recognized independent insurance rating authority, and is certified as a Great Place to Work®. This indicates that Auto-Owners Insurance prioritizes customer satisfaction and is committed to providing a positive experience for its clients.

One of the key strengths of Auto-Owners Insurance is its dedication to the independent agency system. The company has a vast network of licensed agents who can provide personalized service and expertise to their customers. This approach ensures that clients receive tailored advice and assistance when selecting insurance products that meet their specific needs.

The company also offers multiple lines of insurance, allowing customers to have various insurance needs met by a single provider. In addition to the standard auto, home, and life insurance policies, Auto-Owners Insurance provides business insurance, boat insurance, condo insurance, and more. This comprehensive range of products demonstrates their commitment to serving their customers' diverse requirements.

Furthermore, Auto-Owners Insurance is known for its financial strength and stability. Its strong financial position enables the company to provide reliable and secure insurance services to its customers. This financial stability is a crucial factor in choosing an insurance provider, as it ensures the company's ability to honour claims and provide long-term protection to its policyholders.

Auto-Owners Insurance has a highly-rated mobile app

Auto-Owners Insurance is a highly reputable company, rated A++ (Superior) by the AM Best Company and recognised as a Great Place to Work®. It has been in business for over 100 years, providing insurance to nearly 3 million policyholders. The company is represented by 48,000 licensed agents in 26 states and offers a comprehensive range of insurance products, including auto insurance.

Auto-Owners Insurance has a mobile app available for both iOS and Android devices. The app provides customers with convenient access to their policies and a range of useful features. Here are some key features of the Auto-Owners Insurance mobile app:

• 24/7 Access to Policies: Customers can easily view and manage their insurance policies at any time, from anywhere.
• Bill Payment and Management: Users can pay their bills conveniently and set up or manage automatic payments through the app.
• Road Trouble Service Requests: In case of vehicle breakdowns or other road emergencies, users can submit road trouble service requests directly from the app.
• Claim Status and Management: The app allows users to check the status of their claims, view documents and history, and submit glass claim requests.
• Insurance ID Cards and Documents: Customers can access their insurance ID cards and policy documents, as well as obtain temporary evidence of insurance for newly acquired vehicles.
• Paperless Options: Users can choose to go paperless by managing their document delivery options through the app.
• Monthly Report Submission: Dealers can easily submit their monthly reports for dealer's blanket or builders risk policies.

The Auto-Owners Insurance mobile app offers a seamless and user-friendly experience, providing customers with the convenience of managing their insurance policies and claims on the go. With its range of features, the app empowers users to stay informed, connected, and in control of their insurance-related tasks.

Auto-Owners Insurance offers a range of discounts

Auto-Owners Insurance is a nationwide company, providing insurance coverage in 26 states. It is headquartered in Lansing, Michigan, and has been in business for over 100 years. The company offers a range of insurance products, including life, home, auto, and business insurance.

Auto-Owners Insurance offers a variety of discounts to its customers. These discounts can help customers save money on their insurance premiums and protect their vehicles with quality coverage. Here are some of the discounts offered by Auto-Owners Insurance:

Multi-Policy Discount

Customers who have multiple policies with Auto-Owners Insurance, such as home and auto insurance, can receive premium savings. This discount is also available for those who have a qualifying life insurance policy with the company.

Payment History Discount

Individuals who have consistently paid their premiums on time for 36 months can benefit from this discount. Additionally, paying the policy premium in full and on time can lead to further savings.

Green Discount

Customers can save money by choosing to receive their bills and statements online instead of through paper billing. This paperless billing option is not only convenient but also environmentally friendly.

Multi-Car Discount

Insuring more than one car on the same policy can result in significant savings. This discount is ideal for families with multiple vehicles or individuals with multiple cars.

Good Student Discount

Students who maintain a "B" or better grade point average are eligible for this discount, which can save them up to 20% on their car insurance. This discount is a great way to reward young drivers for their academic achievements.

Student Away at School Discount

If a driver on the policy attends school more than 100 miles away from where the insured car is parked, this discount can apply. This discount recognises that the car may not be in regular use while the student is away, reducing the risk of accidents or claims.

Teen Driver Monitoring Discount

Auto-Owners Insurance encourages safe driving habits among teenagers by offering a discount when their vehicle is equipped with a permanently installed Global Positioning System (GPS) or an eligible smartphone app. This technology allows parents to monitor their teen's driving and promotes safer driving practices.

Safety Feature Discount

Vehicles with certain safety features, such as anti-lock brake systems (ABS), airbags, and anti-theft devices, may qualify for this discount. By rewarding customers for having these safety features, Auto-Owners Insurance promotes the importance of road safety.

Advance Quote Discount

Customers who request a premium quote before the effective date of their policy may be eligible for this discount. This discount encourages customers to plan ahead and get a head start on their insurance needs.

TrueRide Discount

Drivers in Ohio can take advantage of the TrueRide discount by allowing Auto-Owners Insurance to track their driving habits, including mileage, braking, and acceleration. This program incentivises safe and responsible driving while offering savings on insurance premiums.

These are just a few examples of the discounts offered by Auto-Owners Insurance. It's important to note that discount availability may vary by state, so it's always a good idea to contact Auto-Owners Insurance directly to inquire about specific discounts and eligibility requirements.

Frequently asked questions