Auto-Owners vs Grange Car Insurance for 2024

Are you on the hunt for reliable car insurance? Look no further than Auto-Owners and Grange.

These two insurance companies offer a range of policies that can help keep you safe on the road, but which one is the right fit for you?

• Auto-Owners is a highly-rated insurance company that has been in business for over 100 years.
• The company offers a variety of discounts, including safe driver discounts, multi-policy discounts, and student discounts.
• Grange has been in business for over 80 years and is a trusted name in car insurance.

In this review, we’ll compare Auto-Owners car insurance vs Grange car insurance to help you make an informed decision.

History and Mission

Auto-Owners was founded in 1916 by Vern V. Moulton, and has been family-owned and operated ever since. Today, the company is one of the largest insurers in the United States, with policies available in 26 states. Auto-Owners’ mission is to provide “peace of mind to its policyholders through quality insurance products and exceptional service.”

Grange was founded in 1935 by a group of farmers who wanted to provide affordable insurance options for their fellow farmers. Today, the company offers policies in 13 states and has expanded to offer a variety of insurance products. Grange’s mission is to “be the best insurance provider by earning and maintaining the trust of our customers, agents, and employees.”

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Products and Services

In this review, we’ll be comparing Auto-Owners and Grange car insurance companies. Here’s a breakdown of the products and services offered by each company:

Auto-Owners Insurance:

• Auto Insurance: As previously mentioned, Auto-Owners offers a range of auto insurance policies to protect you and your vehicle. These policies include liability coverage, collision coverage, comprehensive coverage, personal injury protection, uninsured/underinsured motorist coverage, and more. Auto-Owners also offers a variety of discounts, such as safe driver discounts, multi-policy discounts, and student discounts.
• Homeowners Insurance: Auto-Owners also offers homeowners insurance policies to protect your home and personal belongings. These policies offer coverage for your home and other structures on your property, as well as liability coverage. Discounts are available for customers who have installed protective devices in their home or who have multiple policies with Auto-Owners.
• Life Insurance: Auto-Owners offers life insurance policies to help protect your family’s financial future in case of your unexpected passing. These policies offer various coverage amounts and options to customize your policy to your specific needs.
• Business Insurance: Auto-Owners offers a range of commercial insurance policies to protect businesses from property damage, liability, and more. These policies can be customized to fit the unique needs of your business.
• Umbrella Insurance: Auto-Owners also offers umbrella insurance, which provides additional liability coverage beyond the limits of your other insurance policies.

Grange Insurance:

• Auto Insurance: Grange offers a range of auto insurance policies, including liability coverage, collision coverage, comprehensive coverage, and more. They also offer a variety of discounts, such as safe driver discounts, multi-policy discounts, and anti-theft discounts.
• Homeowners Insurance: Grange offers homeowners insurance policies to protect your home and personal belongings. These policies offer coverage for your home and other structures on your property, as well as liability coverage. Discounts are available for customers who have installed protective devices in their home or who have multiple policies with Grange.
• Life Insurance: Grange offers a variety of life insurance policies, including term life insurance, whole life insurance, and universal life insurance. These policies offer various coverage amounts and options to customize your policy to your specific needs.
• Business Insurance: Grange offers a range of commercial insurance policies to protect businesses from property damage, liability, and more. These policies can be customized to fit the unique needs of your business.
• Umbrella Insurance: Grange also offers umbrella insurance, which provides additional liability coverage beyond the limits of your other insurance policies.

In summary, both Auto-Owners and Grange offer similar insurance products and services, including auto insurance, homeowners insurance, life insurance, business insurance, and umbrella insurance. However, the specifics of each company’s policies, coverage options, and discounts may vary.

Cost of Coverage

According to some industry sources, Auto-Owners Insurance tends to be priced in the mid-range for car insurance premiums. While the exact cost of coverage will depend on various factors specific to each policyholder, Auto-Owners does offer a range of discounts that can help lower premiums. For example, discounts are available for safe drivers, good students, multiple vehicles, and more.

Similarly, Grange Insurance also tends to be priced in the mid-range for car insurance premiums. Grange also offers various discounts to policyholders, including safe driver discounts, multi-policy discounts, and discounts for completing driver education courses, among others.

Other important considerations include the level of coverage offered, the deductible amount, the claims process, and the overall customer service experience. Ultimately, it’s recommended to compare quotes and coverage options from multiple insurance providers to find the best fit for your individual needs and budget.

States Offering Coverage

Auto-Owners Insurance is available in 26 states across the United States, primarily in the Midwest and Southeast regions. The states where Auto-Owners offers car insurance coverage include:

• 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
• Wisconsin

Grange Insurance: Grange Insurance is available in 13 states across the United States, primarily in the Midwest and Pacific Northwest regions. The states where Grange offers car insurance coverage include:

• Colorado
• Georgia
• Illinois
• Indiana
• Iowa
• Kentucky
• Michigan
• Minnesota
• Ohio
• Pennsylvania
• Tennessee
• Virginia
• Wisconsin

It’s important to note that insurance providers may have different offerings and coverages available in each state they operate in. So, it’s recommended to check with the respective company or an insurance agent to confirm what coverage is available in your area.

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Discounts Available

Auto-Owners offers a range of discounts to policyholders to help lower their car insurance premiums. Some of the most common discounts offered by Auto-Owners include:

• Safe Driver Discount: This discount is available to drivers with a clean driving record and no recent accidents or violations.
• Multi-Policy Discount: Policyholders who have more than one type of insurance policy with Auto-Owners, such as car and home insurance, can qualify for this discount.
• Multi-Car Discount: If a policyholder insures more than one vehicle with Auto-Owners, they may qualify for a multi-car discount.
• Good Student Discount: This discount is available to policyholders who have a student on their policy who maintains a B average or better in school.
• Anti-Theft Discount: If a policyholder’s vehicle has an anti-theft system installed, they may qualify for an anti-theft discount.
• Paid-in-Full Discount: Policyholders who pay their annual premium in full may qualify for a discount.

Grange also offers a range of discounts to policyholders to help lower their car insurance premiums. Some of the most common discounts offered by Grange include:

• Safe Driver Discount: This discount is available to drivers who have a clean driving record and no recent accidents or violations.
• Multi-Policy Discount: Policyholders who have more than one type of insurance policy with Grange, such as car and home insurance, can qualify for this discount.
• Multi-Car Discount: If a policyholder insures more than one vehicle with Grange, they may qualify for a multi-car discount.
• Anti-Theft Discount: If a policyholder’s vehicle has an anti-theft system installed, they may qualify for an anti-theft discount.
• Driver Training Discount: This discount is available to policyholders who complete a driver education course.
• Payment Discount: Policyholders who set up automatic payments may qualify for a discount.

To qualify for these discounts, you’ll need to meet certain criteria, such as having a good driving record or being a student in good academic standing.

Case Studies: Auto-Owners vs Grange Car Insurance

Case Study 1: Safe Driver Discounts

John, a 35-year-old driver with a clean record, is looking for car insurance that offers safe driver discounts. He obtains quotes from both Auto-Owners and Grange. Auto-Owners offers a 15% safe driver discount for policyholders with a clean driving record, while Grange offers a 10% safe driver discount.

After comparing the coverage and premiums, John chooses Auto-Owners for its higher safe driver discount, which translates into more significant savings.

Case Study 2: Multi-Policy Discount

Lisa is a homeowner who wants to bundle her auto and home insurance policies for additional savings. She considers both Auto-Owners and Grange. Auto-Owners offers a 20% multi-policy discount, while Grange offers a 15% discount.

Lisa decides to go with Auto-Owners due to the higher discount, allowing her to maximize her savings by bundling her policies.

Case Study 3: Student Discount

Sarah is a college student looking for affordable car insurance. She is eligible for a student discount from both Auto-Owners and Grange. Auto-Owners offers a 25% discount for students who maintain a B average or better, while Grange offers a 20% discount.

Sarah compares the coverage and rates and decides to go with Auto-Owners for its higher student discount, helping her save more on her premiums.

Claims Process With Auto-Owners and Grange

Ease of Filing a Claim 

Both Auto-Owners and Grange understand the importance of a hassle-free claims process and provide multiple channels for policyholders to file claims. This includes user-friendly online portals, dedicated phone assistance lines staffed with knowledgeable representatives, and mobile apps designed for easy claims submissions.

These options cater to a diverse range of policyholders, allowing them to choose the method that best suits their preferences and convenience.

Average Claim Processing Time

Auto-Owners and Grange prioritize efficient claim processing. While actual processing times can vary depending on the complexity of each claim, both companies emphasize quick and thorough claim resolutions.

Timely responses and fair settlements are central to delivering a satisfactory claims experience for policyholders. Both companies are dedicated to ensuring that policyholders receive prompt attention and fair outcomes.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback serves as valuable insight into the effectiveness of the claims process. Auto-Owners and Grange have received positive reviews from policyholders regarding claim resolutions and payouts.

Customers frequently commend both companies for their transparent and professional approach throughout the claims process. While challenges may occasionally arise, both providers are committed to delivering satisfactory claims experiences that build trust and satisfaction among their customer base.

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Digital and Technological Features at Auto-Owners and Grange

Mobile App Features and Functionality

Auto-Owners and Grange have invested in feature-rich mobile apps to enhance the overall insurance experience for policyholders. These mobile apps provide convenient access to essential policy information, premium payments, and, importantly, claims submissions.

Policyholders can leverage these mobile apps for easy management of their insurance matters while on the go. With features tailored to policy management, these apps ensure that crucial information is readily accessible, enhancing efficiency and overall satisfaction.

Online Account Management Capabilities

Both Auto-Owners and Grange offer robust online account management capabilities through secure web portals. These user-friendly platforms empower policyholders to efficiently access and modify their policies, review billing and payment details, and monitor their coverage.

These online tools facilitate policy management by offering accessibility from any location and at any time, ensuring that policyholders have firm control over their insurance. This empowerment contributes to an efficient and satisfying insurance experience.

Digital Tools and Resources

Auto-Owners and Grange provide their policyholders with an array of digital tools and resources aimed at educating and assisting them. These resources encompass informative articles, frequently asked questions (FAQs), and interactive tools.

Whether seeking insights into coverage options, navigating insurance regulations, or estimating premiums, policyholders have access to valuable information that enables them to make well-informed decisions. These digital resources empower policyholders to take an active role in managing their insurance coverage, fostering transparency and efficiency in the insurance experience.

Customer Feedback

Auto-Owners Insurance: Auto-Owners Insurance has generally positive reviews from customers. On the popular review site, ConsumerAffairs, Auto-Owners has an average rating of 4.4 out of 5 stars from over 1,000 reviews. Customers frequently praise the company’s excellent customer service, prompt and efficient claims handling, and competitive pricing. Some customers also mention that they have been loyal policyholders with Auto-Owners for many years due to their overall satisfaction with the company.

Grange Insurance has mixed reviews from customers. On ConsumerAffairs, Grange has an average rating of 3.1 out of 5 stars from over 200 reviews. While some customers praise Grange for their affordable pricing, good customer service, and easy-to-use website, others express dissatisfaction with the company’s claims handling process, billing issues, and overall lack of transparency. Additionally, some customers mention that they have experienced issues with communication from Grange and difficulty resolving issues with their policies.

In Summary: Auto-Owners vs Grange

In conclusion, both Auto-Owners and Grange car insurance companies have their own strengths and weaknesses, and it’s important to consider all factors when choosing an insurance provider.

Auto-Owners Insurance has a long history of providing excellent customer service, competitive pricing, and efficient claims handling. They offer a wide range of coverage options and discounts to customers in 26 states, and their overall customer reviews are positive.

Grange Insurance, on the other hand, has a smaller coverage area, offering coverage in only 13 states. However, they also offer competitive pricing and discounts to their policyholders. While their overall customer reviews are mixed, some customers praise Grange for their affordability and ease of use.

Ultimately, the choice between Auto-Owners and Grange (or any other car insurance provider) will depend on your individual needs and budget. It’s recommended to compare quotes and coverage options from multiple providers, read reviews, and speak with an insurance agent to determine which provider offers the best fit for you.

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