Auto-Owners vs Progressive Car Insurance for 2023

When it comes to car insurance, Auto-Owners car insurance and Progressive are two of the biggest names in the game. But which one is right for you? In this article, we’ll take an in-depth look at Auto-Owners vs Progressive car insurance for 2023, comparing their coverage options, prices, and customer reviews to help you make an informed decision. But before we dive into the specifics, here are a few interesting things to know about these two insurance companies:

• Auto-Owners is a mutual insurance company, meaning it’s owned by its policyholders, not shareholders. This unique structure allows Auto-Owners to prioritize the needs of its customers over profits.
• Progressive was the first car insurance company to offer the option to purchase a policy online, revolutionizing the industry and making it easier than ever for consumers to compare rates and coverage options.
• Both Auto-Owners and Progressive have high financial strength ratings from independent rating agencies, indicating they have the financial resources to pay out claims even in the event of a catastrophe.

Company History and Mission

Auto-Owners Insurance was founded in 1916 by Vern V. Moulton in Mount Pleasant, Michigan. From its humble beginnings as a single office with a handful of employees, the company has grown to become one of the largest insurers in the United States. Today, Auto-Owners offers a wide range of insurance products, including car insurance, home insurance, life insurance, and business insurance.

The company’s mission is to provide “peace of mind and protection when you need it most.” To accomplish this, Auto-Owners focuses on providing exceptional customer service, personalized coverage options, and fast claims processing. The company also prides itself on its financial stability, with a strong commitment to maintaining a high level of surplus to ensure it can meet its financial obligations to policyholders.

Progressive Insurance was founded in 1937 by Joseph Lewis and Jack Green as Progressive Mutual Insurance Company. The company initially offered car insurance to high-risk drivers, but over the years, it has expanded its offerings to include a range of insurance products for consumers and businesses. Today, Progressive is one of the largest car insurance companies in the United States, with policies sold in all 50 states and the District of Columbia.

Progressive’s mission is to make car insurance easy and affordable for everyone. The company is committed to providing a seamless online experience for customers, with the option to purchase policies, file claims, and access account information all from its website or mobile app. Progressive is also known for its innovative pricing model, which rewards safe drivers with lower rates through its usage-based insurance program, Snapshot.

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Products and Services Offered

Auto-Owners offers a wide range of insurance products, including car insurance, home insurance, life insurance, and business insurance. Its car insurance policies include liability coverage, collision coverage, comprehensive coverage, and personal injury protection. Auto-Owners also offers a range of optional coverages, such as roadside assistance, rental car coverage, and gap insurance.

The cost of Auto-Owners car insurance varies depending on a number of factors, including the driver’s age, driving history, and location. According to a recent survey by U.S. News & World Report, Auto-Owners offers some of the most affordable car insurance rates in the country, with an average annual premium of $1,224.

Auto-Owners car insurance is available in 26 states: Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nebraska, North Carolina, North Dakota, Ohio, Pennsylvania, South Carolina, South Dakota, Tennessee, Utah, Virginia, and Wisconsin.

Progressive offers a range of car insurance products, including liability coverage, collision coverage, comprehensive coverage, personal injury protection, and uninsured/underinsured motorist coverage. Progressive also offers a number of optional coverages, such as roadside assistance, rental car coverage, and gap insurance.

The cost of Progressive car insurance varies depending on a number of factors, including the driver’s age, driving history, and location. According to a recent survey by U.S. News & World Report, Progressive’s average annual premium is $1,670, which is higher than the national average. However, Progressive offers a number of discounts and savings opportunities that can help lower the cost of coverage.

Progressive car insurance is available in all 50 states and the District of Columbia.

Discounts Available to Customers

Auto-Owners offers a range of discounts to help customers save money on their car insurance premiums. These discounts include:

• Multi-policy discount: Save up to 25% when you bundle your car insurance with home, life, or business insurance.
• Safe driver discount: Get rewarded for being a safe driver with discounts of up to 20%.
• Good student discount: Students with good grades can save up to 20% on their car insurance premiums.
• Anti-theft device discount: Save up to 15% if your car is equipped with an anti-theft device.
• Paid in full discount: Pay your premium in full upfront and save up to 5%.

Progressive also offers a number of discounts and savings opportunities to help customers save money on their car insurance. These discounts include:

• Multi-policy discount: Save up to 5% when you bundle your car insurance with another Progressive policy.
• Multi-car discount: Save up to 12% when you insure two or more cars with Progressive.
• Safe driver discount: Get rewarded for being a safe driver with discounts of up to 30%.
• Good student discount: Students with good grades can save up to 10% on their car insurance premiums.
• Usage-based insurance discount: Sign up for Progressive’s usage-based insurance program, Snapshot, and save up to 30% on your premium.

Customer Reviews

Auto-Owners has a strong reputation for customer service and claims handling, with many customers praising the company for its prompt and fair claims processing. According to J.D. Power’s 2021 U.S. Auto Claims Satisfaction Study, Auto-Owners ranked highest in overall customer satisfaction among auto insurers in the Midwest region. The company also received an A+ rating from the Better Business Bureau.

Progressive also has a strong reputation for customer service, with many customers praising the company’s online tools and mobile app for making it easy to manage policies and file claims. According to J.D. Power’s 2021 U.S. Auto Insurance Study, Progressive ranked second in overall customer satisfaction among national auto insurers. The company also received an A+ rating from the Better Business Bureau.

FAQ

Q: How do I file a claim with Auto-Owners or Progressive?

A: You can file a claim with Auto-Owners or Progressive by phone, online, or through their mobile app. Both companies offer 24/7 claims reporting.

Q: What types of discounts are available through Auto-Owners and Progressive?

A: Auto-Owners offers discounts for bundling policies, safe driving, good grades, anti-theft devices, and paying in full. Progressive offers discounts for bundling policies, insuring multiple cars, safe driving, good grades, and participating in its usage-based insurance program, Snapshot.

Q: How do I qualify for a safe driver discount?

A: The qualifications for a safe driver discount vary by insurance company, but typically require a clean driving record with no accidents or traffic violations within a certain time period.

Q: Can I purchase Auto-Owners or Progressive car insurance online?

A: Yes, both Auto-Owners and Progressive allow you to purchase car

insurance online through their website or mobile app. You can also purchase coverage through an independent insurance agent.

Q: How do Auto-Owners and Progressive compare in terms of customer satisfaction?

A: Auto-Owners and Progressive both have strong reputations for customer service and claims handling. According to J.D. Power’s 2021 U.S. Auto Insurance Study and U.S. Auto Claims Satisfaction Study, both companies rank highly in overall customer satisfaction.

Q: Does Auto-Owners or Progressive offer roadside assistance?

A: Yes, both companies offer roadside assistance as an optional coverage.

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