Vern V. Moulton founded Michigan's Auto America Insurance in 1916. The company was much smaller at the time since there were so few insurance firms safeguarding drivers. Moreover, the firm back then was called Auto-Owners Mutual Insurance. Even though it was still relocated there, the company moved its headquarters to Lansing, Michigan, in 1917.

Today, Auto-Owners Insurance is a strong company with over $8 billion in policyholder excess and over $12 billion in assets. The organization is a high-rated auto company that serves more than three million policyholders and employs more than 6,000 people in the country[ the reason why they have a big clientele is because of their coverage plans. In this article, you will learn more about their coverage plans and their pros and cons.

Auto-Owners Areas of Service

Auto-Owners Auto Insurance focuses on its availability and provides Auto America Insurance in the majority of the states. Here is a rundown of the 26 states that have implemented Auto-Owners Insurance:

1. Kansas
2. Georgia
3. Tennessee
4. South Carolina
5. Colorado
6. Florida
7. North Carolina
8. Indiana
9. Iowa
10. Michigan
11. Virginia
12. Wisconsin
13. Ohio
14. Alabama
15. South Dakota
16. Illinois
17. Nebraska
18. Pennsylvania
19. North Dakota
20. Arizona
21. Utah
22. Kentucky
23. Idaho
24. Arkansas
25. Minnesota
26. Missouri

Auto-Owners Auto Insurance Coverage

Roadside Assistance

When drivers experience typical vehicle troubles, roadside assistance is essential for timely aid. Auto-Owners Auto supplies gasoline, helps with flat tires, and jump-starts dead batteries. Roadside help services may also provide gas if your automobile stops in the middle of nowhere. If you put your keys in your car and forget them, a roadside assistance professional from Auto-Owners can unlock the door.

Comprehensive Coverage

Travel interruption coverage and rental vehicle reimbursement are just two benefits that comprehensive expenditure coverage provides in addition to standard Auto America Insurance. Rental car reimbursement offers financial assistance for reserving an alternative vehicle during the restoration process of one's vehicle following an accident.

Benefits for vacation interruption cover lodging and food expenses if a covered incidentsuch as a car accident or mechanical breakdowndisrupts a vacation. Moreover, comprehensive coverage can be a savior during challenging financial situations due to the rapid escalation of additional expenses.

Accident Forgiveness

Forgiveness for first-time drivers with a clean driving record may lower their Auto Provider insurance rates except for their first at-fault crash. This is a huge benefit from a high-rated auto company for safe drivers with one bad accident. This Auto-Owners coverage encourages safe driving and protects you from at-fault accident-related premium increases.

Reduced Value Compensation

Diminished value coverage covers vehicle repairs after a collision, as a car's accident history may lower its value after repairs. Lowered value coverage compensates for this loss to prevent financial issues when selling or trading in your vehicle. With this auto provider insurance, you'll usually keep your entire car investment.

Lease Gap Protection

Your Gap Protection loan or lease balance over the vehicle's value can put you in financial trouble. With loan or lease gap coverage, you won't have to pay off the balance in full. Moreover, having this Auto America Insurance is a complete deal.

Personal Automobile Plus Package:

The Personal Automobile Plus package enhances your motor insurance from high-rated auto company with a wide range of additional coverages. If you lose your keys or your smartphone is stolen, these coverages will rekey your locks or replace your phone to protect your personal information from identity theft. The Personal Car Plus package strengthens protection against many modern drivers' threats. Comprehensive auto provider insurance is available.

Pros and Cons of Auto-Owners Auto Insurance

Pros

Exclusive Programs

Auto-Owners Insurance offers unique and comprehensive plans to many clients. The Personal Automobile Plus Package is of great value for vehicle and personal property protection. This plan goes above and beyond Auto Provider insurance to protect valuables and sports equipment. This coverage offers emergency travel and car rental assistance if a covered loss renders your vehicle unusable.

Consistently Strong Financial Ratings

Having consistently earned AM Best's highest rating for financial soundness, Auto-Owners Insurance has shown remarkable financial stability over 50 years. This continuous recognition reflects reputable reserves, strong financial management procedures, and the company's capacity to fulfill policyholder obligations. Auto America Insurance firm has to have such a solid financial position to meet consumers' needs for security and trust in their provider by guaranteeing that claims may be fulfilled swiftly and consistently.

Multiple Discounts

Auto-Owners provide premium-lowering incentives. Thirteen discounts are available depending on driving behaviors, auto provider insurance packages, car safety features, etc. This strategy lowers insurance costs by rewarding excellent conduct and loyalty.

Cons

Agent-Exclusive Quotes

Only approved agents can get high-rated auto company quotations for auto provider insurance due to their unique business style. To get a quotation or modify your policy, you will thus need to contact one of their representatives. This may provide individualized advice and support catered to your particular requirements, even if it may seem like an additional step compared to internet quotations. In addition to helping you comprehend the finer points of your policy, agents may guide you through alternatives for coverage and potential reductions.

Limited Coverage Area

There are just a few states in the union where Auto America Insurance is offered. Living outside of these locations will prevent you from getting coverage from Auto-Owners, which might be a drawback. Still, getting auto provider insurance from a provider who knows the insurance market better in certain areas may mean more specialized coverage choices and superior customer support.

Ineffective Support Channels

Regarding customer service, Auto-Owners' representatives mostly provide phone-based help. Regretfully, there must be a way to contact customers directly via an online chat window. Their phone support system offers thorough help and instruction, which may disadvantage those who prefer instant chat or rapid internet support. Working with an agent with a slightly more conventional contact route may guarantee that your questions are answered efficiently.

Final Verdict

Auto insurance is typically a decent coverage selection. It provides several goods and services to many societies and has great ratings from high-rated auto company agencies. Customers also like the firm. Even though every insurance company is flawed, Auto America Insurance is a good alternative for solid coverage. Several customers have complained about claims and customer service. However, before choosing an insurer, always make sure to do your research.