Auto Owners Insurance Car Insurance

Introduction

Auto Owners Insurance is a provider of car insurance and related services. It was founded in 1916 in Detroit, Michigan and is currently headquartered in Lansing, Michigan. Auto Owners Insurance has historically served customers throughout the Midwest, and today, it provides services to customers in 26 states. The company provides a wide range of car insurance coverages, from liability and collision coverage to uninsured and underinsured motorist coverage. Auto Owners also offers coverage for rental cars, classic cars, and motorcycles, as well as other types of insurance such as homeowners insurance and business insurance.

Types of Car Insurance Coverage

Auto Owners Insurance offers a wide range of car insurance coverages. These include liability, collision, comprehensive, uninsured and underinsured motorist, medical payment, and personal injury protection (PIP) coverage. Liability coverage pays for another person’s bodily injuries and property damage if you are at fault in an accident. Collision coverage pays for damage to your vehicle caused by an accident. Comprehensive coverage pays for losses to your vehicle due to fire, theft, vandalism, or other non-collision related events. Uninsured and underinsured motorist coverage pays for your bodily injuries if you are hit by a driver who does not have sufficient insurance coverage. Medical payment coverage pays for reasonable medical expenses for you and your passengers. Personal injury protection (PIP) coverage pays for medical expenses, lost wages, and other related expenses for you and your passengers.

Choosing Your Coverage Limits

When selecting car insurance coverage with Auto Owners Insurance, it is important to determine the coverage limits that you need. Liability coverage is a legal requirement in most states, and it is important to make sure you have enough coverage to protect your assets. Collision and comprehensive coverage are optional and the amount of coverage you need will depend on the value of your vehicle. Uninsured and underinsured motorist coverage is also optional, but it is important to make sure you have enough coverage to protect you in case you are hit by a driver who is underinsured or uninsured. Medical payment and PIP coverage are also optional, but they can provide important protection in case of an accident.

Discounts

Auto Owners Insurance offers several discounts on car insurance coverage. These include discounts for good drivers, multi-car policies, safety features, and more. The company also offers discounts for bundling your car insurance with other types of insurance, such as homeowners insurance or business insurance. It is important to ask about all of the discounts that are available in order to get the best possible rate.

Conclusion

Auto Owners Insurance is a provider of car insurance and related services. It offers a wide range of car insurance coverages, from liability and collision coverage to uninsured and underinsured motorist coverage. It is important to select the coverage limits that are right for you, and to ask about discounts that may be available. For more information, contact an Auto Owners Insurance agent today.