Auto-Owners vs Home State Car Insurance for 2023
Auto-Owners vs Home State Car Insurance: Which Company Offers the Best Coverage and Value for Your Money
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Melanie Musson
Published Insurance Expert
Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...
Published Insurance Expert
UPDATED: Mar 30, 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: Mar 30, 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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Car insurance is an essential aspect of owning and operating a vehicle, but with so many insurance companies to choose from, selecting the right one can be a daunting task.
Here are three things you should know about these insurance providers before we dive into the specifics:
- Auto-Owners has been in business for over 100 years and is a Fortune 500 company.
- Home State is a regional insurer with a focus on providing personalized service to its customers.
- Both companies offer a range of discounts to help you save on your car insurance premiums.
In this article, we will be comparing Auto-Owners car insurance and Home State car insurance to help you make an informed decision.
History and Mission
Auto-Owners Insurance was founded in 1916 and has since grown to become a Fortune 500 company. Their mission is to provide “peace of mind and protection when you need it most.” The company operates in 26 states and offers a range of insurance products, including auto, home, life, and business insurance.
Home State Insurance, on the other hand, is a regional insurer founded in 1948. Their mission is to provide personalized service to their customers and offer a range of insurance products, including auto, home, and business insurance. The company operates in Arizona, Nevada, New Mexico, Oregon, and Utah.
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Coverage Options
Auto-Owners and Home State offer a range of products and services related to car insurance. Here is a detailed breakdown of their offerings:
Auto-Owners:
- Auto Insurance: Auto-Owners offers standard auto insurance coverage, including liability, collision, and comprehensive coverage. They also offer personal injury protection (PIP) and uninsured/underinsured motorist coverage.
- Home Insurance: In addition to auto insurance, Auto-Owners offers home insurance policies. They provide coverage for damage caused by natural disasters, theft, and liability coverage for accidents that occur on your property.
- Umbrella Insurance: Auto-Owners offers an umbrella insurance policy that extends beyond your auto and home coverage. This policy provides additional liability coverage in the event of a lawsuit or other liability claims.
- Business Insurance: Auto-Owners also offers a range of business insurance products, including commercial auto, liability, and property coverage.
- Life Insurance: Auto-Owners offers life insurance coverage, including term, whole, and universal life insurance policies.
Home State:
- Auto Insurance: Home State offers standard auto insurance coverage, including liability, collision, and comprehensive coverage. They also offer personal injury protection (PIP) and uninsured/underinsured motorist coverage.
- Usage-Based Insurance: Home State offers a usage-based insurance program called Driveology. This program tracks your driving habits and rewards safe driving behavior with discounts on your insurance premiums.
- Home Insurance: Home State also offers home insurance policies. They provide coverage for damage caused by natural disasters, theft, and liability coverage for accidents that occur on your property.
Both companies offer a range of products and services that cater to a variety of needs and circumstances. By carefully considering the options available, you can find the coverage that best suits your requirements at a price that fits your budget.
Cost of Coverage
As for the cost of their services, it varies depending on a range of factors, such as your location, driving history, age, and the type of coverage you require.
Both Auto-Owners and Home State are available in a range of states across the United States. To find out if they operate in your state and to get a quote for their services, it is best to visit their respective websites or speak to a representative directly.
Available Discounts
Both Auto-Owners and Home State offer a range of discounts to their customers. Here is a breakdown of the discounts available:
- Multi-Policy Discount: Auto-Owners offers a discount for customers who have multiple policies with the company, such as auto and home insurance.
- Safe Driver Discount: Auto-Owners offers a discount for customers who have a good driving record with no accidents or traffic violations.
- Anti-Theft Discount: Auto-Owners offers a discount for customers who have anti-theft devices installed in their vehicles.
- Good Student Discount: Auto-Owners offers a discount for students who maintain a high grade point average (GPA) or who have recently graduated.
- Mature Driver Discount: Auto-Owners offers a discount for drivers who are over the age of 55 and have completed a driver improvement course.
- Multi-Policy Discount: Home State offers a discount for customers who have multiple policies with the company, such as auto and home insurance.
- Safe Driver Discount: Home State offers a discount for customers who have a good driving record with no accidents or traffic violations.
- Anti-Theft Discount: Home State offers a discount for customers who have anti-theft devices installed in their vehicles.
- Good Student Discount: Home State offers a discount for students who maintain a high grade point average (GPA) or who have recently graduated.
- Usage-Based Discount: Home State offers a discount for customers who enroll in their Driveology program and demonstrate safe driving habits.
It is important to note that the availability of discounts may vary depending on the state in which you reside and the specific products and services offered by each company. Additionally, the discounts offered by each company may change over time, so it is always best to check with a representative directly to see what discounts may be available to you. By taking advantage of these discounts, you can potentially save a significant amount on your car insurance premiums.
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Customer Feedback
Auto-Owners is generally well-regarded by its customers, with many reviewers praising the company’s excellent customer service and claims handling. Some customers also appreciate the company’s multi-policy discounts and competitive pricing.
Home State has mixed reviews from its customers, with some reviewers praising the company’s competitive pricing and easy-to-use website. Other customers have reported positive experiences with the company’s customer service team.
In Summary: Auto Owners vs Home State
In conclusion, both Auto-Owners and Home State are reputable car insurance companies that offer a range of products and services to customers in multiple states across the United States. Both companies offer similar discounts and have a strong focus on customer service, making them popular choices among drivers.
The best car insurance company for you will depend on your individual needs and circumstances. It’s always a good idea to do your research, read customer reviews, and speak directly with a representative to learn more about the products and services offered by each company before making a decision.
Frequently Asked Questions
What types of discounts does Auto-Owners offer?
Auto-Owners offers a variety of discounts, including multi-policy discounts, safe driving discounts, and discounts for insuring multiple vehicles. The company also offers discounts for customers who have anti-theft devices installed in their vehicles or who complete a defensive driving course.
Does Auto-Owners offer roadside assistance?
Yes, Auto-Owners offers 24/7 roadside assistance as an optional add-on to its car insurance policies.
What is Auto-Owners’ claims process like?
Auto-Owners has a reputation for excellent claims handling, with many customers reporting that the process is quick and easy. Customers can file claims online or over the phone, and the company has a network of repair shops that can assist with repairs.
What types of discounts does Home State offer?
Home State offers a range of discounts, including safe driver discounts, multi-car discounts, and discounts for bundling home and auto insurance policies. The company also offers a usage-based discount program that allows customers to earn discounts based on their driving habits.
Does Home State offer roadside assistance?
Yes, Home State offers roadside assistance as an optional add-on to its car insurance policies.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Melanie Musson
Published Insurance Expert
Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...
Published Insurance Expert
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.