Auto-Owners Car Insurance Discounts [2024]
Some Auto Owners Group car insurance discounts include multi-policy, safe driving, good student, safety feature, and more. The Auto Owners Insurance Company does not offer car insurance in all states.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Oct 24, 2024
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Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
All of the best car insurance providers know that one of the best ways to bring in new policyholders and keep existing policyholders happy is by offering car insurance discounts.
Some of the car insurance discounts that Auto Owners Insurance offers include the following:
- Multi-policy discount
- Safe driving discount
- Good student discounts
- Safety feature discounts
- Green discount
- Paid-in-full discount
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While the most important choice when a car owner is looking for car insurance is the policy rate, the second thing to consider is the discounts offered by the insurance provider.
- Auto Owners Insurance Group offers many discounts including a safe driving and a paid-in-full discount
- Auto Owners Insurance Group is made up of five separate property and casualty insurance companies
- Although Auto Owners offers life, car, home, and business insurance, not all types of insurance are available in all states
What you need to know about Auto Owners Insurance
The Auto Owners Insurance Group is headquartered in Lansing, Michigan and is made up of five separate property and casualty insurance companies.
These five companies are:
- The Auto Owners Insurance Company is a property and casualty insurance company that has representation from more than 37,000 independent insurance agents and over 6,000 independent insurance agencies. An independent insurance agent or agency is not limited by the many things that private insurers are, and as a result, they can offer more competitive insurance rates to their policyholders.
- The Auto Owners Life Insurance Company is the life insurance provider for the Auto Owners Insurance Group. This division of the insurance group processes more than 50,000 life insurance applications every year and had more than $27 billion in life insurance coverage in 2010.
- The Owners Insurance Company is the second biggest division in the Auto Owners Insurance Group and focuses on property and casualty insurance. This division represents all but one of the states for which the Auto Owners Insurance Group writes insurance. This division is also a stock company.
- The Home Owners Insurance Company is the property and casualty division of the Auto Owners Insurance Group that represents the states of Ohio and Michigan. This division is also a stock company.
- The Property Owners Insurance Company is the stock company that writes property and casualty insurance policies in Michigan and Indiana while the Southern Owners Insurance Company provides insurance in the state of Florida.
Read more: Auto-Owners Car Insurance Review
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What are Auto Owners Insurance company’s products?
The companies of the Auto Owners Insurance Group offer the following four distinct forms of insurance products: life, business, home, and car.
The Auto Owners Car Insurance Review Company does not offer car insurance in all states.
A few of the states that do offer Auto Owners car insurance are:
- Alabama
- Ohio
- Arizona
- Pennsylvania
- Colorado
- Michigan
- South Dakota
- Florida
- Missouri
- Utah
- North Carolina
- Indiana
The state in which the policyholder lives does affect which car insurance coverage is available, but there are a few coverage options that are available in all of the states in which Auto Owners writes car insurance.
These coverage options include:
- Rental car coverage
- Full glass coverage
- Loan and lease gap coverage
- Pet medical coverage
What Auto Owners coverage options are available?
Auto Owners offer affordable insurance premiums in exchange for many coverage options and highly-rated customer service.
The company has numerous types of coverage to choose from. Standard coverages include:
- Collision coverage
- Comprehensive coverage
- Bodily injury liability
- Property damage liability
- Uninsured/Underinsured motorist
- Medical payments
- Personal injury protection
- Road trouble service
- Additional expense
- Loan and lease gap
- Diminished value
- Personal automobile plus
Auto Owners provide a few additional coverage options such as:
- Waived deductible for an accident with another Auto-Owners customer
- Common loss deductible
- Rental cars
Which car insurance discounts are offered?
The car insurance discounts available through this car insurance provider vary. The multi-policy discount offers a discount to policyholders that have more than one type of insurance policy with Auto Owners.
A discount is offered for those that bundle policies including:
- Car and home
- Car and umbrella
- Car and life insurance policy
Auto Owners also offers three types of student discounts. These discounts are for students that have a grade point average of 3.0 or higher, students that are attending college 100 or more miles away from home, or teenage students that drive a car with a GPS system installed.
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Case Studies: Auto-Owners Car Insurance Discounts
Case Study 1: Multi-Policy Discount
John has his home insurance with Auto-Owners Insurance and decides to bundle his car insurance with them as well. By having multiple policies with Auto-Owners, he qualifies for a multi-policy discount. John appreciates the convenience of having all his insurance policies in one place and enjoys the cost savings provided by the discount.
Case Study 2: Safe Driving Discount
Sarah is a safe driver with a clean driving record. She has been insured with Auto-Owners for several years and qualifies for their safe driving discount. Sarah’s adherence to traffic rules and her commitment to maintaining a good driving record have paid off with lower insurance premiums.
Case Study 3: Good Student Discount
Mark is a high school student with excellent grades. As a policyholder with Auto-Owners Insurance, he receives a good student discount for maintaining a grade point average of 3.0 or higher. Mark’s academic achievements not only benefit his education but also contribute to saving money on his car insurance.
There are also three forms of car safety discounts available.
A car with anti-lock brakes is eligible for a discount on bodily injury and property damage liability insurance, as well as personal injury protection and collision coverage. An air bag discount is offered to policyholders that drive a car with driver-side, passenger-side, or side impact air bags.
The Auto Owners Insurance Company also offers special car insurance discounts depending on your state of residence.
To see what car insurance rates and discounts are available in your state, use the FREE online tool below. Just enter your ZIP code now!
Frequently Asked Questions
What are some car insurance discounts offered by Auto Owners Insurance?
Auto Owners Insurance offers discounts for multi-policy, safe driving, good student, and safety features, among others.
Does Auto Owners Insurance provide coverage in all states?
No, Auto Owners Insurance does not offer car insurance in all states.
What types of insurance products does Auto Owners Insurance offer?
Auto Owners Insurance offers life, business, home, and car insurance products.
What are some standard coverage options provided by Auto Owners Insurance?
Standard coverage options include liability insurance, personal injury protection, and collision coverage.
What are the available car insurance discounts depending on the state of residence?
The car insurance discounts offered by Auto Owners Insurance vary by state, and it is recommended to use the online tool to check rates and discounts available in your state.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.