What discounts are available for Auto-Owners car insurance customers?
Auto-Owners Car Insurance is a top choice for savings and tailored coverage. With a range of discounts, including multi-policy and safety features, they help you protect your vehicle without breaking the bank.
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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: Mar 4, 2024
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UPDATED: Mar 4, 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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Multi-Policy Discount: If you have other qualifying policies through Auto-Owners insurance, you may qualify for a Multi-Policy Discount. Bundling your policies can lead to significant savings.
- Life Multi-Policy Discount: If you have a qualifying life insurance policy with Auto-Owners, you can benefit from the Life Multi-Policy Discount, which allows you to save by bundling your life and auto insurance policies.
- Payment History Discount: Auto-Owners Insurance values your payment history. If you’ve consistently paid your premiums on time for the last 36 months, you could be eligible for the Payment History Discount.
- Green Discount: Opting for a paperless bill and paying your auto insurance premiums online may make you eligible for the Green Discount, which rewards environmentally-friendly practices.
- Safety Feature Discount: If your vehicle is equipped with safety features like airbags, anti-theft devices, and anti-lock brake systems, you may qualify for the Safety Feature Discount, reducing your premiums.
- Low Mileage Discount: Auto-Owners offers a Low Mileage Discount to policyholders who drive 10,000 miles a year or less. To qualify, you’ll need to provide annual odometer readings.
- Multi-Car Discount: Insuring two or more vehicles on a single auto insurance policy can earn you a Multi-Car Discount.
- Higher Deductibles: You can save money by increasing your deductible. Consult with your agent to explore how raising your deductible can lead to lower premium rates.
- Good Student Discount: If you have a teen driver or college student on your policy with a “B” or better grade-point average, they may be eligible for a Good Student Discount, which can provide savings of up to 20 percent.
- Student Away from Home Discount: Students attending school more than 100 miles away and without a vehicle on campus may qualify for additional discounts.
Discounts Available for Auto-Owners Car Insurance Customers
According to the Auto-Owners website, there are several to save on your auto insurance. For instance, you may qualify for a Multi-Policy Discount if you have other qualifying policies through Auto-Owners insurance.
If you have a qualifying life insurance policy with the company, you should qualify for the Life Multi-Policy Discount. This type of savings, often called “bundling,” is a fairly common type of discount.
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Other Discounts Available for Auto-Owners Car Insurance Customers
Regardless of what types of car insurance coverage you currently have on your policy, Auto-Owners Insurance can use your payment history to decide whether or not to offer you a discount. (For more information, read our “What types of car insurance coverage does Auto-Owners offer?“).
You may receive the Payment History Discount if you are already with the company and have paid your premiums on time for the last 36 months.
You can save by paying your auto insurance premium in full rather than breaking it into smaller monthly payments. Opting for a paperless bill and paying your auto insurance premiums online may qualify you for the Green Discount.
Safety Feature and Low Mileage Discounts
The answer to both of these questions is “Yes.” if your vehicle has safety features, including airbags, anti-theft devices, and anti-lock brake systems, you may qualify for the Safety Feature Discount.
Auto-Owners also offers a Low Mileage Discount to policyholders who drive 10,000 miles a year or less. To apply for this discount, you need to:
- Enroll in the Customer Center on the Auto-Owners website
- Sign into your Customer Center account
- Upload a current photo of your vehicle’s odometer
Each year, right before your auto insurance policy renews, you will receive an email from Auto-Owners Insurance asking for a new photo of your vehicle’s odometer. They will use the information from the photos to determine your Low Mileage Discount.
Additional Discounts Are Available For Auto-Owners Car Insurance Customers
Other ways to qualify for discounts for Auto-Owners car insurance include a Multi-Car discount when two or more vehicles are insured on your auto insurance policy. Another effective way to save money on your auto insurance is if you raise your deductible.
If you have one, you can ask your agent what your current deductibles are for your car insurance coverage, and then ask them to run the numbers for higher deductibles. You might be pleasantly surprised to learn your auto insurance policy rates will drop significantly.
Also, if you have a teen driver or college student on your policy, you can inquire about the Good Student Discount. If the teen driver maintains a “B” or better grade-point average in school, they may get a discount of up to 20 percent.
Discounts are also available to students who attend a school more than 100 miles away and do not have a vehicle with them on campus.
Read more: Good Student Car Insurance Discount
Case Studies: Discounts for Auto-Owners Car Insurance Customers
Case Study 1: Multi-Policy Discount
John has multiple insurance policies with Auto-Owners, including his car insurance and a life insurance policy. He discovered that he qualifies for the Life Multi-Policy Discount, which offers savings for bundling multiple policies with Auto-Owners.
By having both his car and life insurance policies with Auto-Owners, John enjoys the convenience of one insurer and saves money through the multi-policy discount.
Case Study 2: Payment History Discount
Emily has been a loyal customer of Auto-Owners and has consistently paid her premiums on time for the past 36 months. As a result, she qualifies for the Payment History Discount.
This discount recognizes and rewards customers with a reliable payment history, demonstrating their commitment to responsible financial management. Emily benefits from lower premiums as a result of her payment history with Auto-Owners.
Case Study 3: Safety Feature and Low Mileage Discounts
Sarah drives a car equipped with safety features such as airbags, anti-theft devices, and an anti-lock brake system. She contacted Auto-Owners and learned that she qualifies for the Safety Feature Discount. This discount acknowledges the reduced risk associated with safety features, leading to lower premiums for Sarah.
Additionally, Sarah drives only 8,000 miles per year, making her eligible for the Low Mileage Discount. By providing the necessary documentation and annual odometer readings, Sarah enjoys additional savings on her car insurance.
Case Study 4: Multi-Car Discount and Higher Deductibles
Mike and Lisa have two vehicles insured under their Auto-Owners car insurance policy. They discovered that they qualify for the Multi-Car Discount, which offers savings for insuring multiple vehicles with Auto-Owners. Additionally, they asked their agent to assess the impact of raising their deductibles.
After comparing different deductible options, Mike and Lisa found that increasing their deductibles significantly lowered their premium rates. They decided to raise their deductibles and enjoy the resulting savings on their car insurance.
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Final Thoughts on What Discounts Are Available For Auto-Owners Car Insurance Customers
It is a good idea to compare car insurance options to learn which discounts are available on auto insurance at different companies. With prices increasing on virtually everything, saving money whenever you can is important.
Auto-Owners car insurance company offers discounts that may save you significant money on your auto insurance policy. If you want a quote, contact the company to speak with an independent agent who can assist you.
Frequently Asked Questions
What is a discount for insuring more than one vehicle with the same company?
A discount for insuring more than one vehicle through the same auto insurance company is called a multi-car policy.
How can a consumer save money on car insurance?
People can save money on car insurance by shopping around for quotes, comparing costs before buying a vehicle, raising deductibles, and bundling insurance policies together.
What company owns Auto-Owners?
Auto-Owners Insurance parent organization is called Auto-Owners Insurance Group
Are you looking for free insurance quotes?
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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 insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.