The No-Problem People
Identifying themselves as “The No-Problem People” for car owners searching for flexible and broad auto insurance coverage, Auto-Owners Insurance ranks as the 17th largest auto insurer in the nation, with almost 1,700,000 direct written policies in 2012 representing 0.98 of market share. Founded by Vern Moulton in 1916 in Mount Pleasant, Michigan, Auto-Owners has grown into a Fortune 500 Company now headquartered in Lansing, Michigan. The service provided by its more than 60 full service and claims branches across the country have helped Auto-Owners to rank among the top 10 insurance companies favored by customers looking for good variety, pricing and prompt claims response according to recent J.D. Power & Associates research.
The Auto-Owners Network
Auto-Owners began writing auto policies exclusively in Michigan through 1935, then expanded to include service in Indiana and Ohio. Today it does business in 26 states, including Pennsylvania, Arizona, Virginia, Kansas, Kentucky, Minnesota, Florida, North and South Dakota and Idaho. It relies on a network of more than 6200 independent agencies to provide personalized service. Beyond traditional liability coverage which it offers as the no-frills minimum in order for drivers to operate legally in most states, Auto-Owners also offers a wide array of additional coverage options.
Auto-Owners Insurance Extra Protection Options
Extra protection options beyond liability coverage include Bodily Injury Liability, Additional Expense Coverage, Collision and Comprehensive Coverage,Full Glass Coverage, Loan/Lease Gap Coverage, Medical Payments, Personal Injury Protection, Property Damage Liability, Road Trouble Service, Underinsured and uninsured Motorist Liability, and Uninsured Motorist Property Damage. Pet Medical Coverage is among its newest options to help defer expenses for pets traveling with their owner and injured in an accident. Auto-Owners also offers extensive coverage for drivers who operate rental cars to protect them from financial liability when driving such vehicles.
Various Auto-Owners Insurance Coverages
The unique Personal Automobile Plus Package featured by Auto-Owners includes benefits not typically included in traditional policy coverages such as Cellular Phone Coverage, Trailer Physical Damage Coverage, Identity Theft Expense Coverage, Re-key Coverage to pay for lost keys, Loss of Use By Theft Coverage and Supplementary Payments Coverage for such expenses as bail bonds and loss of earnings.
Auto-Owners Insurance Discounts
Discounts are numerous and vary by state. Popular discount programs include the Green Insurance Discount for customers who agree to go paperless regarding their policy statements and bill paying, Safety Feature Discounts for vehicles equipped with anti-lock brakes, airbags and anti-theft devices, Paid in Full Discounts for making annual rather than installment payments, and discount programs appealing to student and younger drivers such as the Auto-Owners Teen Driving Monitoring Discount for drivers 16-20 using a permamently installed GPS device to track their driving habits via location and speed.