Auto-Owners vs Century Car Insurance for 2023
In this comprehensive comparison between Auto-Owners and Century car insurance, we delve into their histories, product offerings, pricing structures, available discounts, and customer reviews to equip you with the necessary insights for making an informed decision on your car insurance provider.
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Tonya Sisler
Content Team Lead
Tonya Sisler has been a technical insurance writer for over five years. She uses her extensive insurance and finance knowledge to write informative articles that answer readers' top questions. Her mission is to provide readers with timely, accurate information that allows them to determine their insurance needs and choose the best coverage. Tonya currently leads a team of 10 insurance copywri...
Content Team Lead
UPDATED: Nov 25, 2023
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: Nov 25, 2023
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.
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The comparison between Auto-Owners and Century car insurance reveals distinctive insights into rates influenced by credit scores, mileage, coverage levels, and driving records. Analyzing these factors indicates that Auto-Owners tends to offer more favorable rates across various customer profiles. For those with higher credit scores and lower mileage, Auto-Owners consistently provides competitive pricing and diverse coverage options. Additionally, drivers with a clean driving record and a preference for comprehensive coverage might find Auto-Owners to be the more cost-effective choice. This detailed examination aims to empower readers by highlighting Auto-Owners as the top contender for advantageous rates across diverse customer scenarios.
| Factor | Auto-Owners | Century |
|---|---|---|
| Clean Record | $87 | $80 |
| 1+ Ticket | $105 | $100 |
| 1+ Accident | $127 | $120 |
| DUI | $130 | $140 |
| Poor Credit | $150 | $138 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
| Discount | Auto-Owners | Century |
|---|---|---|
| Safe Driver | 5% | 5% |
| Low Mileage | 10% | 10% |
| Anti Theft | 10% | 10% |
| Paperless | 7% | 8% |
| Senior Driver | 15% | 15% |
| Good Student | 10% | 10% |
Auto-Owners Car Insurance
Pros:
- Established History: Auto-Owners has a long-standing history dating back to 1916, offering reliability and stability in the insurance industry.
- Personalized Service: Known for providing superior customer service and customized coverage, Auto-Owners emphasizes individual policyholder needs.
- Competitive Discounts: Auto-Owners offers a range of discounts, including safe driver, multi-policy, and paid-in-full discounts, helping customers save on premiums.
- Quick Claims Processing: Customers appreciate the efficient and quick claims processing offered by Auto-Owners.
Cons:
- Limited Availability: Auto-Owners operates in 26 states, which may restrict coverage options for those living outside their service area.
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Century Car Insurance
Pros:
- Modern Approach: Century employs technology to enhance the insurance process, making it more convenient and efficient for customers.
- Extensive Coverage: Century offers coverage in 47 states, providing broader availability for potential policyholders.
- Competitive Rates: Century provides competitive pricing, which varies based on factors such as location, driving record, and vehicle type.
- Innovative Products: Century offers unique features such as pet injury coverage and new car replacement, catering to specific customer needs.
Cons:
- Mixed Customer Reviews: Century receives mixed reviews, with some customers expressing concerns about customer service and claims processing.
- Limited Discounts: While Century offers various discounts, it may have fewer options compared to other providers.
Auto-Owners vs Century Car Insurance: Making the Choice
When it comes to choosing the best car insurance company between Auto-Owners and Century, it’s essential to consider several factors, including rates, coverage options, discounts, and customer satisfaction. After a comprehensive analysis of both companies, we have a clear winner: Auto-Owners.
Auto-Owners has a rich history dating back to 1916 and provides coverage in 26 states. Their commitment to superior service and quality coverage customized to individual policyholders’ needs sets them apart. Here’s why Auto-Owners emerges as the best choice:
Competitive Pricing: Auto-Owners offers competitive rates that take into account various factors like location, driving record, and vehicle type. This means you’re more likely to find affordable coverage tailored to your situation.
Diverse Coverage Options: They offer a wide range of coverage options, including liability, collision, comprehensive, personal injury protection, roadside assistance, and rental car reimbursement. These options ensure that you can find a policy that suits your needs.
Discount Variety: Auto-Owners provides discounts for safe driving, multi-policy holders, and those who pay in full. Their range of discounts can lead to substantial savings on your premiums.
Customer Satisfaction: With a Trustpilot rating of 4.5 out of 5 stars, Auto-Owners consistently receives praise for its personalized service and efficient claims processing. Customer satisfaction is a crucial indicator of a company’s reliability.
Wide Availability: While Auto-Owners may not be available in as many states as Century, it is accessible in 26 states, making it a viable option for a significant portion of the population.
Ease of Claims Process: Auto-Owners offers various options for filing claims, ensuring policyholders can report accidents and initiate claims efficiently. They also focus on minimizing claim processing times, which contributes to overall customer satisfaction.
While Century has its strengths, Auto-Owners offers a more well-rounded and customer-centric approach, making it our top choice for car insurance in 2023. Remember that the best choice for you may depend on your specific needs, so be sure to get personalized quotes from both companies to make an informed decision.
Company History and Mission
Auto-Owners was founded in 1916 in Michigan and has since expanded to provide coverage in 26 states. They have a reputation for providing reliable and stable coverage, with an emphasis on personal service and customer satisfaction. Their mission is to “provide superior service and quality coverage customized to fit each policyholder’s individual needs.”
Century was founded in 1956 in California and has since grown to provide coverage in 47 states. They pride themselves on their modern approach to insurance, using technology to make the process more convenient and efficient for customers. Their mission is to “provide affordable and innovative insurance products that protect our customers’ assets and their peace of mind.”
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Products, Pricing, and Availability
Both Auto-Owners and Century offer a range of car insurance products, including liability, collision, comprehensive, and personal injury protection. Auto-Owners also offers roadside assistance and rental car reimbursement, while Century offers pet injury coverage and new car replacement.
In terms of pricing, both companies offer competitive rates that vary depending on factors such as location, driving record, and vehicle type. It’s important to get a personalized quote from each company to see which one offers the best price for your specific situation.
Auto-Owners is available in 26 states, while Century is available in 47 states. This means that Century may be a better option for those living in states where Auto-Owners does not offer coverage.
Auto-Owners and Century Discounts
Both Auto-Owners and Century offer a variety of discounts to help customers save money on their car insurance premiums. Some of the discounts offered by Auto-Owners include safe driver, multi-policy, and paid-in-full discounts. Century offers similar discounts, as well as a discount for drivers who complete a defensive driving course.
Navigating Auto-Owners vs. Century Claims Process
Ease of Filing a Claim
Both Auto-Owners and Century car insurance companies offer multiple options for filing claims, ensuring convenience for their policyholders. Policyholders can file claims through online platforms, over the phone, or by utilizing mobile apps. This flexibility caters to the diverse preferences of customers, making it easy to report accidents and initiate the claims process.
Average Claim Processing Time
The efficiency of the claims process is a critical factor for policyholders. Auto-Owners and Century aim to provide timely claim resolutions. While specific processing times may vary depending on the complexity of the claim, both companies strive to minimize delays and ensure quick claim settlements. This aspect can significantly impact customer satisfaction.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback is invaluable in evaluating the performance of insurance providers. Auto-Owners and Century have garnered customer reviews and ratings, shedding light on their claim resolution processes.
Policyholders share their experiences with the companies, including how smoothly claims were processed and their satisfaction with payout amounts. Understanding this feedback can help potential customers make informed decisions.
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Unveiling Digital and Technological Features of Auto-Owners vs. Century
Mobile App Features and Functionality
In today’s digital age, mobile apps have become essential tools for insurance customers. Both Auto-Owners and Century offer mobile apps designed to enhance the user experience.
These apps typically provide features such as policy management, claims filing, bill payment, and access to important documents. Examining the functionality and user-friendliness of these apps can help customers gauge their suitability for their insurance needs.
Online Account Management Capabilities
Online account management is a convenient feature for policyholders. Auto-Owners and Century offer online portals that enable policyholders to manage their accounts, view policy details, update information, and access relevant resources. Evaluating the ease of use and comprehensiveness of these online account management tools is crucial for customers seeking efficient ways to interact with their insurance providers.
Digital Tools and Resources
Digital tools and resources play a vital role in helping policyholders make informed decisions and navigate the complexities of insurance. Both Auto-Owners and Century offer various digital resources, such as educational materials, calculators, and FAQs. Exploring these resources can provide customers with valuable information and guidance when choosing insurance coverage and understanding policy terms.
Case Studies: Auto-Owners vs Century Car Insurance
Case Study 1: John’s Experience With Auto-Owners Car Insurance
John, a resident of Michigan, opted for Auto-Owners car insurance due to their reputation for reliable coverage and personalized service. He was impressed by their quick claims processing and found their rates competitive. Overall, John had a positive experience with Auto-Owners.
Case Study 2: Sarah’s Experience With Century Car Insurance
Sarah, a resident of California, chose Century car insurance for its modern approach and convenient online tools. However, she faced challenges with customer service and claims processing. Despite this, Sarah appreciated Century’s affordable rates and innovative insurance products.
Case Study 3: Michael’s Comparison of Auto-Owners and Century Car Insurance
Michael, a resident of a state where both Auto-Owners and Century are available, compared quotes from both companies. He found that Auto-Owners offered him the best price for his specific situation, considering his location, driving record, and vehicle type. Michael valued Auto-Owners’ roadside assistance and rental car reimbursement options.
Case Study 4: Lisa’s Discount Comparison Between Auto-Owners and Century Car Insurance
Lisa, a cost-conscious consumer, compared the discounts offered by Auto-Owners and Century. She discovered that both companies offered similar discounts, such as safe driver and multi-policy discounts. However, Century stood out by providing a discount for completing a defensive driving course, which appealed to Lisa.
Customer Reviews
When it comes to customer reviews, both Auto-Owners and Century have mixed ratings. Auto-Owners has a 4.5 out of 5-star rating on Trustpilot, with customers praising their personalized service and quick claims processing. Century has a 3.6 out of 5-star rating on Trustpilot, with customers noting issues with customer service and claims processing.
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Frequently Asked Questions
Can I get a quote online from Auto-Owners and Century?
Yes, both companies offer online quoting tools that allow you to get a personalized quote in minutes.
What discounts does Auto-Owners offer?
Auto-Owners offers a variety of discounts, including safe driver, multi-policy, and paid-in-full discounts.
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Tonya Sisler
Content Team Lead
Tonya Sisler has been a technical insurance writer for over five years. She uses her extensive insurance and finance knowledge to write informative articles that answer readers' top questions. Her mission is to provide readers with timely, accurate information that allows them to determine their insurance needs and choose the best coverage. Tonya currently leads a team of 10 insurance copywri...
Content Team Lead
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.