American Access vs Auto-Owners Car Insurance for 2023
American Access and Auto-Owners, two prominent players in the auto insurance arena, showcase distinct strategies in the competitive landscape.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...
Licensed Insurance Agent
UPDATED: Jan 8, 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 provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car 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.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Jan 8, 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 provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car 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
Navigating the labyrinth of auto insurance options demands a keen understanding of the delicate interplay between various factors, including clean records, tickets, accidents, DUI incidents, and credit standings. In our exploration, American Access and Auto-Owners emerge as front-runners, each excelling in specific scenarios. For those with an unblemished driving history, American Access takes the lead with a monthly rate of $80, while Auto-Owners closely follows at $87. However, for drivers with a less pristine record, particularly those with a DUI, Auto-Owners proves to be the more cost-effective choice at $130 compared to American Access’s $140.
| Factor | American Access | Auto-Owners |
|---|---|---|
| Clean Record | $80 | $87 |
| 1+ Ticket | $100 | $105 |
| 1+ Accident | $120 | $127 |
| DUI | $140 | $130 |
| Poor Credit | $138 | $150 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
| Discount | American Access | Auto-Owners |
|---|---|---|
| Safe Driver | 5% | 5% |
| Low Mileage | 8% | 10% |
| Anti Theft | 10% | 10% |
| Paperless | 5% | 7% |
| Senior Driver | 15% | 15% |
| Good Student | 10% | 10% |
American Access Car Insurance
Pros:
- Affordability: American Access is praised for its competitive rates, making it an attractive option for cost-conscious drivers.
- Specialization in High-Risk Drivers: The company specializes in providing coverage for high-risk drivers, including those with a poor driving record or a lapse in coverage.
- Multiple-Car Discount: American Access offers a multiple-car discount, appealing to families or individuals with more than one vehicle.
Cons:
- Mixed Customer Reviews: Customer reviews are mixed, with some highlighting affordable prices and an easy claims process, while others complain about poor customer service and lengthy claims processing times.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Auto-Owners Car Insurance
Pros:
- Established Reputation: Auto-Owners, with over a century in the industry, has a strong reputation for competitive prices, customizable coverage options, and excellent customer service.
- Customizable Policies: Auto-Owners provides customizable policies, allowing drivers to select the coverage that best suits their needs and budget.
- Positive Customer Reviews: Generally positive customer reviews highlight competitive prices and good customer service.
Cons:
- Limited Geographical Coverage: While Auto-Owners operates in 26 states, its exact availability may vary, potentially limiting options for some customers.
Best Car Insurance Company: Auto-Owners
After a thorough analysis of American Access and Auto-Owners Car Insurance, Auto-Owners emerges as the superior choice for several compelling reasons.
Competitive Pricing and Customizable Policies: Auto-Owners not only offer competitive prices but also provide customizable policies, allowing drivers to tailor coverage to their specific needs and budget. This flexibility ensures that customers can find a plan that aligns with their individual circumstances.
Established Reputation and Positive Customer Reviews: With a rich history dating back to 1916, Auto-Owners boasts a stellar reputation for competitive pricing, customizable coverage options, and excellent customer service. Positive customer reviews consistently highlight these attributes, emphasizing the company’s commitment to customer satisfaction.
Coverage for High-Risk Drivers and Multiple Discounts: Auto-Owners stands out for its ability to cater to diverse customer needs, including coverage for high-risk drivers. Additionally, the company offers various discounts, such as those for safe drivers, multiple policies, and anti-theft devices, providing additional savings opportunities for policyholders.
Efficient Claims Handling and Tech-Forward Solutions: Auto-Owners demonstrate a commitment to customer convenience through streamlined claims processes and robust tech-forward solutions. The company’s mobile apps, online account management capabilities, and digital tools contribute to a seamless and user-friendly experience for policyholders.
While American Access has its merits, including affordability and specialization in high-risk drivers, auto owners’ overall package of competitive pricing, comprehensive coverage options, and positive customer feedback positions it as the preferred choice for drivers seeking the best value for their auto insurance needs.
American Access Car Insurance
Founded in 1999, American Access has steadily grown to become one of the largest non-standard automobile insurance providers in Illinois. With a mission centered around providing affordable car insurance, the company specifically targets drivers who face challenges obtaining coverage through traditional channels.
American Access specializes in catering to individuals with factors such as a poor driving record or a lack of credit history. Over the years, the company has garnered attention for its commitment to serving underserved communities and its focus on delivering competitive rates for non-standard auto insurance needs.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Auto-Owners Car Insurance
Auto-Owners Car Insurance boasts a rich history dating back to its establishment in 1916. Over the decades, the company has expanded its reach and currently provides coverage in 26 states. Auto-Owners stands out for its enduring commitment to delivering quality insurance products and excellent customer service to its policyholders.
With a mission emphasizing both financial stability and customer satisfaction, the company has become a prominent player in the insurance industry. Auto-Owners is known for its comprehensive range of coverage options, customizable policies, and a reputation built on over a century of serving the insurance needs of drivers across the United States.
Products and Services
American Access specializes in providing non-standard automobile insurance coverage, including liability, collision, and comprehensive insurance. They offer policies to drivers with a wide range of driving records, including those with a history of accidents or traffic violations. American Access also offers coverage for high-risk drivers, such as those with a DUI or a lapse in coverage.
Auto-Owners car insurance offers a wide range of coverage options for drivers, including liability, collision, and comprehensive insurance. They also offer add-on coverage options such as rental car reimbursement and roadside assistance. Auto-Owners car insurance policies are customizable, allowing drivers to select the coverage that best fits their needs and budget.
Cost and Availability
The cost of car insurance from American Access and Auto-Owners varies depending on a number of factors, including the driver’s age, driving history, and location. Both companies offer policies in multiple states, but the exact availability may vary by state.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Discounts
Both American Access and Auto-Owners offer a range of discounts to help customers save on their car insurance premiums. American Access offers discounts for good drivers, multiple cars, and low mileage, among others. Auto-Owners car insurance offers discounts for safe drivers, multiple policies, and anti-theft devices, among others.
Case Studies: American Access vs. Auto-Owners Car Insurance
Case Study 1: Jennifer’s Dilemma
Jennifer, a 28-year-old driver with a clean driving record, is in the process of renewing her car insurance policy. She decides to compare quotes from American Access and auto owners to find the best value for her auto insurance needs. Both companies offer competitive rates, but Jennifer ultimately chooses Auto-Owners for its excellent customer service and customizable coverage options.
Case Study 2: Michael’s High-Risk Coverage
Michael, a 40-year-old driver with a history of traffic violations and a recent DUI, needs car insurance coverage tailored to high-risk drivers. After researching his options, he considers American Access and Auto-Owners. American Access stands out with its specialization in providing coverage for drivers like Michael, offering him a suitable policy with affordable rates.
Case Study 3: The Smith Family’s Decision
The Smith family, residing in a state where both American Access and Auto-Owners offer coverage, is looking for an insurance provider that can accommodate multiple cars and save them money. After obtaining quotes and reviewing discounts, they opt for American Access due to its multiple-car discount, which aligns better with their needs.
Case Study 4: James’ Comprehensive Coverage
James, a 35-year-old driver, values comprehensive coverage options and wants to explore add-ons like rental car reimbursement and roadside assistance. He evaluates both American Access and Auto-Owners and finds Auto-Owners to be the best fit for its range of coverage options and add-ons.
Guiding Through Claims Handling at American Access vs. Auto-Owners Car Insurance
Ease of Filing a Claim
Filing an insurance claim is a pivotal moment for policyholders. Both American Access and Auto-Owners Car Insurance have streamlined this process to ensure maximum convenience. Policyholders have the flexibility to file claims through user-friendly online platforms, over the phone for a more personal touch, or even via mobile apps for on-the-go ease.
These multiple options cater to diverse customer preferences, making the claims process accessible and hassle-free.
Average Claim Processing Time
Prompt claim processing can significantly impact a policyholder’s satisfaction during a stressful situation. American Access and Auto-Owners Car Insurance understands the importance of efficiency in handling claims.
Both companies are committed to minimizing claim processing time, and ensuring policyholders receive timely assistance. A swift claims resolution process is a testament to their dedication to providing a smooth customer experience.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback serves as a valuable indicator of an insurance company’s performance in claim resolutions and payouts. Both American Access and Auto-Owners Car Insurance have garnered feedback from policyholders regarding their experiences with claims.
While individual experiences may vary, both insurers aim to provide fair and efficient claim resolutions. Positive feedback underscores their commitment to delivering reliable and responsive claim services.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Tech-Forward Solutions: Digital Advancements by American Access vs. Auto-Owners Car Insurance
Mobile App Features and Functionality
Both American Access and Auto-Owners Car Insurance offer robust mobile apps designed to enhance the policyholder’s experience. These mobile apps empower customers with convenient access to their insurance information and services.
They typically include features for policy management, claims tracking, and premium estimation. With user-friendly interfaces and practical functionalities, the mobile apps enable policyholders to stay in control of their insurance needs while on the move.
Online Account Management Capabilities
Efficient online account management is a pivotal component of modern insurance services. American Access and Auto-Owners Car Insurance excel in this regard, providing policyholders with secure online portals.
Through these portals, customers can effortlessly view and manage their policies, make payments, and access essential documents. The insurers’ commitment to delivering a seamless online experience ensures that customers have the tools they need for convenient insurance management.
Digital Tools and Resources
In today’s digital landscape, access to useful resources and tools simplifies insurance-related tasks. Both American Access and Auto-Owners Car Insurance offer an array of digital tools and resources to assist policyholders.
These may encompass calculators for estimating coverage needs, educational materials to enhance insurance literacy, and informative blog posts covering various insurance topics. These digital assets empower customers and reflect the insurers’ commitment to delivering value beyond insurance coverage.
Customer Reviews
American Access has mixed customer reviews, with some customers praising their affordable prices and easy claims process, while others complain about poor customer service and long wait times for claims processing.
Auto-Owners car insurance has generally positive customer reviews, with customers praising their competitive prices, customizable coverage options, and excellent customer service.
In conclusion
American Access and Auto-Owners are reputable car insurance companies that offer a range of coverage options and discounts to meet the needs of their customers. American Access is known for its competitive rates and emphasis on serving customers in underserved communities, while Auto-Owners has a strong reputation for its personalized customer service and financial stability.
When comparing these two companies, it is important to carefully consider your individual needs and budget, as well as the specific products and services offered in your state. Take the time to shop around and compare quotes, and don’t hesitate to ask questions or seek advice from a licensed insurance professional.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Frequently Asked Questions
Can I purchase car insurance from American Access or Auto-Owners online?
Yes, both companies offer online purchasing options.
Does American Access offer coverage for high-risk drivers?
Yes, American Access specializes in providing coverage for drivers who have difficulty obtaining coverage through traditional channels.
Does Auto-Owners offer discounts for safe drivers?
Yes, Auto-Owners offers discounts for safe drivers, among other types of discounts.
Do both companies offer coverage for high-risk drivers?
Yes, both American Access and Auto-Owners cater to high-risk drivers. American Access specializes in providing coverage for those facing difficulties obtaining insurance through traditional channels, while Auto-Owners offers coverage options for high-risk situations.
How do the cost and availability of coverage vary between American Access and Auto-Owners?
The cost of coverage from both companies depends on factors such as age, driving history, and location. While both operate in multiple states, the exact availability may vary. It’s recommended to compare quotes to determine the most suitable and cost-effective option for your specific circumstances.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.