Auto-Owners Insurance Review: Pricing and Coverage (2022)
With coverage through Auto-Owners Insurance, drivers can receive all of the industry’s basic car insurance options. Here are some of the most common:
Auto-Owners additional coverage options
Auto-Owners Insurance offers robust optional coverages for those who prefer stronger policies, including:
- Road trouble service
: Provides roadside assistance benefits such as fuel delivery, battery jump-starts, lockout services and flat-tire help
- Additional expense coverage
: Provides rental car reimbursement and trip interruption benefits for lodging and food costs
- At-fault accident forgiveness
: Keeps your rates from going up after your first at-fault accident if you’ve had no at-fault claims or major violations in the last three years
- Diminished value coverage
: Compensates you for the loss in value that may occur after your vehicle is involved in an accident
- Loan/lease gap coverage
: Pays off the difference between your car’s value and the amount you owe on it after an accident
- Personal Automobile Plus package
: Offers 10 additional coverages ranging from cellphone replacement and identity theft protection to lock rekeying
If you’re an Auto-Owners Insurance policyholder, you’ll also earn a common loss deductible if your car and home are both damaged at once. Extra benefits include the extension of your auto insurance policy to rental cars, and the waiving of your collision deductible if the accident involves two vehicles covered by Auto-Owners Insurance.
One last option is TrueRide by Auto-Owners®, the company’s telematics program. If you opt into this plan, your driving habits will be tracked via a mobile app on your smartphone. This could lead to lower car insurance rates.
Auto-Owners Insurance mobile app
Drivers who want to view their auto policy information while they’re on the go can download the Auto-Owners mobile app. It receives decent reviews online, with a 3.1-star rating out of 5.0 on the App Store and 3.8 stars on Google Play.
Policyholders who download the Auto-Owners mobile app can pay their bills, submit roadside assistance requests, and view their insurance ID cards. They can also check the status of claims, though it’s not possible to file claims through the company’s app.