Auto Insurance
Because Things
There is one thing that can always be expected, and that is the unexpected. Allow us to insure you the comfort of knowing that when you call us, we will be there to help you with those bumps in the road.
AUTO
Providing security, it’s what we do. We have contracted with the best of the best carriers to provide you with the coverages you need while offering numerous options. One of the many benefits is that we represent numerous carriers.
If you’re stranded on the road due to a flat tire, minor mechanical malfunction or a dead battery, our Road Trouble Service coverage will provide you with the assistance you need.
The minute you drive your new car off the lot, it starts to lose value. Protect your investment with our new car replacement.
Renting a car? You’re covered for the broadest coverages and limits specified on your policy, as well as other charges and fees that the rental car company may charge in the case of an accident.
COVERAGES
Bodily Injury Liability and Property Damage Liability
Payment for damages such as injury or property damage to others, including legal defense if you are sued.
Medical Payments and Personal Injury Protection
These two coverages will pay for medical expenses, hospitalization and rehabilitation expenses resulting from injury to the insured or a passenger.
Collision
Covers the cost of repairing or replacing your vehicle when you’re involved in an accident.
Comprehensive
Pays for damages to your car caused by factors other than collision, such as fire, vandalism, weather, theft, accident with an animal, etc.
Uninsured/Underinsured Motorist
This coverage pays in the event of injury, damage or death caused by someone who does not have insurance coverage or does not have adequate liability limits.
Road Trouble Service
Lock your keys in the car? Run out of gas? No Problem®! If you’re stranded on the road due to a flat tire, minor mechanical malfunction or a dead battery, we will provide the service you need.
Loan Gap/Lease Gap
The second you drive your new car off the lot, it begins to lose value. If you are involved in an accident, you’re liable for the difference between the current value of your vehicle and the amount still owed on your lease or loan. That difference between value and the amount still owed is covered by this endorsement.
Diminished Value
If your car is involved in an accident, it might not be worth as much as it was prior to the accident, even after the repairs are made. This coverage protects your investment, ensuring that you are compensated for a reduction in value.
Additional Expense
When you can’t use your vehicle due to an accident, the additional expenses can add up fast. This coverage helps pay for a rental car. And, if you’re stranded away from home, food, lodging and other incidental expenses will be covered.
WAYS TO SAVE
We value our customers and think that quality auto insurance shouldn’t break the bank. Check out the following discounts that will help you save big and protect your vehicles with first-rate Auto-Owners coverage.
Multi-Policy Discount
Receive premium savings when you have other qualifying policies with Auto-Owners.
Payment History
We offer discounts for individuals who have paid their premiums on time for the last 36 months.
Green Discount
When you enroll in paperless billing and pay your policy premiums online you may qualify for this discount.
Multi-Car
You may qualify for a discount when two or more private passenger vehicles are insured on your personal auto policy.
Deductibles
Assuming some of the risk yourself by choosing a higher deductible may reduce your policy premium.
Student Discounts
- Good Student Discount: Students may be eligible for a Good Student Discount of up to 20%, if they maintain a cumulative “B” or better grade-point average.
- Student Away at School Discount: Additional discounts are available for students who are attending school more than 100 miles from home without a vehicle.
- Teen Driver Monitoring Discount: Our Teen Driver Monitoring Discount is dependent upon the presence of a permanently installed Global Positioning System (GPS) within the vehicle your teenager primarily operates.
Paid-in-Full Discount
Save more if you pay your annual policy premium in full and on time.
Advance Quote
A discount is available for new applicants who request a premium quote prior to the effective date of the policy.
Safety Feature Discounts
You may qualify for this discount if your vehicle is equipped with certain safety features, such as anti-lock brake systems (ABS), airbags or anti-theft devices.
Favorable Loss History
Receive a lower premium for favorable loss history.