Auto-Owners vs Clearcover Car Insurance for 2023
In this comprehensive review, we compare the distinct benefits, coverage options, discounts, and customer experiences offered by Auto-Owners and Clearcover car insurance, aiding your decision-making process between these two providers.
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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: Nov 24, 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 24, 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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Unlocking the best insurance rates hinges on a multitude of factors, from credit scores and driving records to coverage levels and mileage. Delving into the data, we unravel how Auto-Owners and Clearcover cater to different customer profiles. For those with stellar credit, low mileage, seeking full coverage, and boasting clean driving records, Clearcover emerges as the frontrunner, offering competitive rates with their innovative ‘Effortless Experience Discount.’ Conversely, Auto-Owners shines for those prioritizing comprehensive coverage and customizable policies, catering to various needs across states where it operates. Join us as we dissect how these insurers tailor their rates, aiding you in securing the ideal coverage for your unique circumstances.
| Factor | Auto-Owners | Clearcover |
|---|---|---|
| Clean Record | $87 | $62 |
| 1+ Ticket | $105 | $78 |
| 1+ Accident | $127 | $96 |
| DUI | $130 | $106 |
| Poor Credit | $150 | $106 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
| Discount | Auto-Owners | Clearcover |
|---|---|---|
| Safe Driver | 5% | 8% |
| Low Mileage | 10% | 7% |
| Anti Theft | 10% | 3% |
| Paperless | 7% | 5% |
| Senior Driver | 15% | 10% |
| Good Student | 10% | 12% |
Auto-Owners Insurance
Pros:
- Founded in 1916, Auto-Owners boasts a long-standing history and reputation for reliable coverage.
- Offers a wide range of insurance products, including home, auto, life, business, and umbrella insurance.
- Provides customizable auto insurance policies with options such as liability, collision, comprehensive, and uninsured/underinsured motorist coverage.
- Extensive discounts available, including multi-policy, multi-car, good student, and safe driver discounts.
Cons:
- Does not provide online quotes; prospective customers need to contact an agent for pricing information.
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Clearcover Insurance
Pros:
- Offers a modern, fully digital approach to car insurance, providing affordability and convenience.
- Available in 16 states, Clearcover provides auto insurance policies that include liability, collision, comprehensive, and uninsured/underinsured motorist coverage.
- Customers benefit from an entirely online claims filing process, with a mobile app for easy policy management.
- Provides discounts for bundling auto and renters insurance, maintaining a clean driving record, and more.
Cons:
- Limited availability in comparison to Auto-Owners, operating in 16 states.
Choosing the Best Car Insurance Provider: Auto-Owners vs. Clearcover
In the search for the ideal car insurance company, various factors like coverage, discounts, customer reviews, and cost are vital. After a comprehensive evaluation of Auto-Owners and Clearcover car insurance, we aim to offer a decisive recommendation that considers these crucial aspects.
Coverage Options: Auto-Owners Insurance provides a wide array of insurance products, including auto, home, life, business, and umbrella policies. Their auto insurance covers liability, collision, comprehensive, and uninsured/underinsured motorist protection. Optional coverages allow customization. Auto-Owners operates in 26 states, offering comprehensive insurance options.
Discounts: Auto-Owners Insurance offers multi-policy, multi-car, good student, and safe driver discounts. These discounts can significantly lower insurance costs. Clearcover Insurance, despite its limited state availability, introduces innovative discounts, including bundling auto and renters insurance, maintaining a clean driving record, and the unique “Effortless Experience Discount.” These innovations lead to significant savings.
Customer Reviews: Both Auto-Owners and Clearcover have earned positive customer feedback. Auto-Owners holds an A+ rating from the Better Business Bureau and a 4.5-star Trustpilot rating for its exceptional customer service and efficient claims handling. Clearcover Insurance boasts a 4.8-star Trustpilot rating. Customers commend its affordability and user-friendly digital platform.
Overall Affordability: Considering the analysis of coverage, discounts, customer reviews, and cost, Clearcover stands out as the preferred choice. Their digital-first approach, competitive rates, and innovative discounts make it a compelling option for budget-conscious consumers.
Company History and Mission
Auto-Owners Insurance was founded in 1916 by Vern V. Moulton in Mount Pleasant, Michigan. Today, they are headquartered in Lansing, Michigan and have over 6,300 employees. Their mission is to provide “peace of mind to their policyholders by providing quality insurance products and exceptional service.”
Clearcover Insurance was founded in 2016 by Kyle Nakatsuji and Derek Brigham in Chicago, Illinois. They currently operate in 16 states and have plans to expand in the future. Clearcover’s mission is to “create smarter car insurance for the modern driver.”
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Products and Services
Auto-Owners Insurance offers a wide range of insurance products, including home, auto, life, business, and umbrella insurance. Their auto insurance policies include liability, collision, comprehensive, and uninsured/underinsured motorist coverage.
They also offer a variety of optional coverages, such as rental reimbursement and roadside assistance. Auto-Owners policies are customizable, so you can choose the coverage that best fits your needs. Auto-Owners operates in 26 states.
Clearcover Insurance offers auto insurance policies in 16 states. Their policies include liability, collision, comprehensive, and uninsured/underinsured motorist coverage. They also offer roadside assistance as an optional coverage. Clearcover’s policies are completely digital, which allows them to offer more affordable rates than traditional insurance companies.
Cost and Discounts
Auto-Owners Insurance does not provide quotes online. To get a quote, you must contact an agent. However, they do offer several discounts to help lower the cost of your policy. Some of these discounts include multi-policy, multi-car, good student, and safe driver discounts.
Clearcover Insurance provides quotes online. They offer a variety of discounts, including bundling, good driver, homeowner, and safety feature discounts. They also offer a unique discount called the “Effortless Experience Discount.” This discount is applied to policies that have been continuously active for 12 months or longer with no policy changes.
Case Studies: Auto-Owners vs Clearcover Car Insurance
Case Study 1: Efficient Claims Processing
Mr. Anderson, a policyholder with Auto-Owners, experienced efficient claims processing after his vehicle was involved in an accident. Auto-Owners promptly initiated the claims handling, assessed the damages in a timely manner, and provided swift compensation. Mr. Anderson appreciated the speed at which his claim was processed.
Case Study 2: User-Friendly Digital Experience
Ms. Ramirez, a Clearcover Car Insurance policyholder, found the digital experience provided by Clearcover to be user-friendly and convenient. She was able to manage her policy, file claims, and access important documents easily through the Clearcover mobile app or website.
Case Study 3: Comprehensive Coverage Options
In a case involving Auto-Owners and Clearcover Car Insurance, both policyholders benefited from comprehensive coverage options. Whether it was protecting against accidents, theft, or other unforeseen events, both companies offered policies with comprehensive coverage, ensuring the policyholders had the necessary protection.
Case Study 4: Transparent Policy Pricing
Mrs. Thompson, an Auto-Owners policyholder, appreciated the transparent policy pricing offered by the company. Auto-Owners provided clear information about premiums, deductibles, and coverage options, enabling Mrs. Thompson to make informed decisions about her car insurance policy.
Case Study 5: Competitive Rates
Mr. Patel, a Clearcover Car Insurance policyholder, found the rates offered by Clearcover to be highly competitive. Clearcover’s digital-first approach allowed them to streamline operations and pass the savings on to policyholders, providing Mr. Patel with affordable coverage.
Case Study 6: Personalized Policy Management
Ms. Johnson, an Auto-Owners policyholder, valued the personalized policy management options offered by the company. Auto-Owners allowed Ms. Johnson to customize her policy limits, deductibles, and additional coverage options to align with her specific needs and preferences.
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Navigating Auto-Owners vs. Clearcover Claims Process
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
Both Auto-Owners and Clearcover offer multiple channels for filing insurance claims, providing convenience to their policyholders. Customers can file claims through their official websites, over the phone by contacting customer service, or by using mobile apps available for download. These options ensure that policyholders can choose the method that best suits their preferences and needs.
Average Claim Processing Time
The efficiency of the claims process is a crucial factor in evaluating an insurance provider. While specific claim processing times may vary depending on the nature of the claim and individual circumstances, both Auto-Owners and Clearcover aim to expedite the processing of claims. Policyholders can typically expect a prompt response and efficient handling of their claims.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback plays a significant role in assessing an insurance company’s performance in terms of claim resolutions and payouts. Auto-Owners has garnered positive reviews for its exceptional customer service and efficient claims handling, resulting in satisfied policyholders.
Clearcover, with its digital-first approach, also receives positive feedback, particularly regarding the ease of filing claims and receiving payouts. However, it’s essential to consider that individual experiences may vary, and customer feedback can provide valuable insights into the claims process.
Exploring Digital and Technological Advancements of Auto-Owners vs. Clearcover
Mobile App Features and Functionality
Both Auto-Owners and Clearcover offer mobile apps that provide policyholders with convenient access to their insurance information and services. These apps typically include features such as policy management, digital ID cards, claims filing, and tracking, making it easier for customers to stay connected with their insurance provider and manage their policies on the go.
Online Account Management Capabilities
Online account management is a fundamental aspect of modern insurance services. Policyholders of Auto-Owners and Clearcover can access their accounts through their respective websites.
These online portals allow customers to review their policies, make payments, update personal information, and initiate various transactions related to their insurance coverage. The user-friendly interfaces of these platforms aim to enhance the overall customer experience.
Digital Tools and Resources
Both Auto-Owners and Clearcover strive to provide policyholders with digital tools and resources to assist them in making informed decisions about their insurance coverage. These tools may include calculators for estimating premiums, educational materials on insurance topics, and resources for understanding policy options and discounts.
By offering these digital resources, these insurance providers aim to empower their customers with the knowledge needed to navigate the complex world of insurance.
Customer Reviews
Auto-Owners Insurance has an A+ rating from the Better Business Bureau and a 4.5-star rating on Trustpilot. Customers rave about Auto-Owners’ exceptional customer service and claims handling.
Clearcover Insurance has a 4.8-star rating on Trustpilot. Customers appreciate Clearcover’s affordable rates and easy-to-use digital platform. However, some customers have reported issues with claims handling.
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Frequently Asked Questions
What states are Auto-Owners and Clearcover car insurance available in?
Auto-Owners car insurance is available in 26 states, including 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. Clearcover car insurance is currently available in 16 states, including Arizona, California, Georgia, Illinois, Indiana, Louisiana, Maryland, Missouri, Nebraska, Ohio, Oklahoma, Pennsylvania, Texas, Utah, Virginia, and Wisconsin.
What types of discounts do Auto-Owners and Clearcover offer?
Auto-Owners offers a variety of discounts, including multi-policy, good student, multiple vehicles, paid-in-full, and more. Clearcover offers discounts for bundling auto and renters insurance, as well as for driving safely and maintaining a clean driving record.
How do I file a claim with Auto-Owners and Clearcover?
Auto-Owners policyholders can file a claim online, by phone, or through the company’s mobile app. Clearcover also offers an easy online claims process, which allows you to file a claim and track its progress from your computer or mobile device.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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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.