Auto-Owners vs Safety Insurance Car Insurance for 2023
In this comprehensive comparison between Auto-Owners and Safety Insurance for car coverage, explore two prominent insurance providers' offerings, discounts, customer satisfaction, and digital features to help you make an informed decision about your auto insurance needs.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
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.
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In this comparison between Auto-Owners and Safety Insurance for car coverage, we’ve delved into various factors influencing rates, including credit score, mileage, coverage level, and driving record. Unveiling valuable insights, Auto-Owners emerges as the advantageous choice for diverse customer profiles, offering more competitive rates across different metrics. Analyzing these data points, it’s evident that Auto-Owners caters to a spectrum of customers, providing the most beneficial rates, whether based on credit score, mileage, coverage level, or driving history. This comprehensive breakdown guides readers toward understanding how these elements directly impact insurance rates, clearly showcasing Auto-Owners as the top contender for favorable rates across varying customer profiles.
| Factor | Auto-Owners | Safety |
|---|---|---|
| Clean Record | $87 | $54 |
| 1+ Ticket | $105 | $66 |
| 1+ Accident | $127 | $77 |
| DUI | $130 | $107 |
| Poor Credit | $150 | $93 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
| Discount | Auto-Owners | Safety |
|---|---|---|
| Safe Driver | 5% | 10% |
| Low Mileage | 10% | 7% |
| Anti Theft | 10% | 20% |
| Paperless | 7% | 5% |
| Senior Driver | 15% | 20% |
| Good Student | 10% | 20% |
Auto-Owners Car Insurance
Pros:
- Established Reputation: Founded in 1916, Auto-Owners has a long-standing history and is one of the largest insurers in the country.
- Wide Range of Products: Offers a diverse array of insurance products and services, including additional options like roadside assistance and rental car reimbursement.
- Discount Variety: Provides a variety of discounts, such as multi-policy, good student, mature driver, and safety feature discounts.
- Positive Customer Feedback: According to J.D. Power’s 2022 U.S. Auto Insurance Study, Auto-Owners boasts a 97% customer satisfaction rating.
- Positive Case Studies: Case studies highlight positive experiences, including affordable coverage and favorable multi-policy discounts.
Cons:
- Limited Coverage Area: Although available in 26 states, Auto-Owners may not be an option for those outside its coverage area.
- Limited Digital Features Mentioned: While the review mentions a mobile app, specific details on features and functionality are not extensively discussed.
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Safety Car Insurance
Pros:
- Focus on Fair Pricing: Safety Insurance emphasizes providing high-quality insurance products and services at a fair price.
- Comprehensive Coverage: Offers standard coverage options along with additional features like accident forgiveness.
- Discount Variety: Provides discounts similar to Auto-Owners, including multi-policy, good student, and safe driver discounts.
- Positive Customer Feedback: According to J.D. Power’s 2022 U.S. Auto Insurance Study, Safety Insurance has a customer satisfaction rating of 837 out of 1,000.
- Positive Claims Experience: Highlighted case study showcases a positive claims experience, reinforcing the company’s commitment to customer service.
Cons:
- Limited Coverage Area: Safety Insurance operates in 10 states, potentially limiting options for individuals outside these regions.
- Limited Digital Features Mentioned: Similar to Auto-Owners, the review briefly touches on mobile apps without detailed insights into their functionality.
Best Car Insurance Company: Auto-Owners Insurance
After a comprehensive assessment and comparison between Auto-Owners Insurance and Safety Insurance, Auto-Owners unequivocally stands out as the superior choice. Considering a holistic view encompassing crucial factors such as reputation, coverage options, discounts, customer satisfaction, and overall service quality, Auto-Owners emerges as the clear winner.
Established Reputation: With a history dating back to 1916, Auto-Owners has solidified its position as one of the nation’s largest and most reputable insurers. Its consistent growth and reliability reinforce its standing in the insurance industry.
Wide Coverage Area: Operating in 26 states, Auto-Owners’ expansive coverage area provides customers with more options and accessibility, catering to a broader audience across various geographical regions.
Diverse Coverage Options: Auto-Owners offers an extensive array of insurance products and services, including additional offerings like roadside assistance and rental car reimbursement, enhancing its appeal to customers seeking comprehensive coverage.
Competitive Discounts: The provision of a multitude of discounts, including multi-policy, good student, mature driver, and safety feature discounts, emphasizes Auto-Owners’ commitment to ensuring potential savings for its customers.
Outstanding Customer Satisfaction: With an exceptional 97% customer satisfaction rating, according to J.D. Power’s 2022 U.S. Auto Insurance Study, Auto-Owners consistently outperforms in claims handling, customer service, and overall value for the price, demonstrating an unwavering commitment to customer satisfaction.
Positive Case Studies: The provided case studies highlight Auto-Owners’ affordability, flexibility, and significant multi-policy discounts, offering tangible evidence of its dedication to meeting diverse customer needs.
Digital Presence: While specifics regarding digital features are not extensively detailed, Auto-Owners’ provision of mobile apps and online account management capabilities underscores its dedication to tech-savvy solutions, aligning with evolving customer needs.
Auto-Owners Insurance stands out as the superior choice, combining a reputable history, extensive coverage options, competitive discounts, and high customer satisfaction. When considering the overall package of coverage, discounts, and customer satisfaction, Auto-Owners Insurance emerges as the best car insurance company in this comparison.
Auto-Owners Insurance
Auto-Owners Insurance, founded in 1916, has a rich history that traces back to its inception by Vern Moulton in Michigan. Since its humble beginnings, the company has evolved into one of the largest insurers in the United States. Auto-Owners’ commitment to providing top-notch insurance coverage and service has been a driving force behind its growth and success.
The company’s roots in Michigan highlight its Midwestern origin, and over the years, it has expanded its reach, currently offering policies in 26 states. Auto-Owners Insurance maintains a strong financial position, emphasizing its stability and reliability in the insurance industry.
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Safety Insurance
Safety Insurance, established in 1979, has its origins in Massachusetts. Founded with a mission to offer high-quality insurance products and services at a fair price, Safety Insurance has grown to become a prominent player in the insurance market. While it may not have the same lengthy history as Auto-Owners, Safety Insurance has demonstrated its commitment to serving customers effectively.
Initially rooted in Massachusetts, the company has expanded its coverage to include 10 states. Safety Insurance’s emphasis on fair pricing aligns with its founding mission, making it a competitive option for those seeking reliable and reasonably priced insurance coverage.
Products and Services
Auto-Owners Insurance offers a wide range of products and services, including liability coverage, collision coverage, comprehensive coverage, and personal injury protection. The company also offers additional options, such as roadside assistance and rental car reimbursement. The cost of coverage varies based on factors such as your location, driving history, and the type of coverage you select.
Safety Insurance offers similar coverage options, including liability coverage, collision coverage, comprehensive coverage, and personal injury protection. The company also offers additional options, such as rental car reimbursement and accident forgiveness. The cost of coverage varies based on factors such as your location, driving history, and the type of coverage you select.
Discounts Available for Customers
Auto-Owners Insurance offers several discounts to its customers, including a multi-policy discount, good student discount, and mature driver discount. The company also offers discounts for safety features, such as anti-lock brakes and airbags, as well as for completing a defensive driving course.
Safety Insurance also offers several discounts, including a multi-policy discount, good student discount, and safe driver discount. The company also offers discounts for safety features, such as anti-lock brakes and airbags, as well as for completing a defensive driving course.
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Case Studies: Auto-Owners vs. Safety Insurance Car Insurance
Case Study 1: John’s Affordable Coverage With Auto-Owners
John, a 28-year-old driver from Michigan, was in search of affordable car insurance that offered comprehensive coverage. After comparing quotes from multiple insurance providers, he found that Auto-Owners offered competitive rates for the coverage he needed. John appreciated the flexibility of the policy options and the affordability of Auto-Owners’ premiums, making it the ideal choice for his budget.
Case Study 2: Sarah’s Positive Claims Experience With Safety Insurance
Sarah, a 35-year-old driver from Massachusetts, recently had a minor accident and needed to file a claim with her car insurance provider. She had chosen Safety Insurance due to its reputation for excellent claims handling. Sarah was pleased with her experience as the claims process was straightforward, and she received prompt assistance from Safety Insurance’s customer service team.
Case Study 3: Mark’s Multi-Policy Discount With Auto-Owners Insurance
Mark, a homeowner in Michigan, was looking for a car insurance provider that offered discounts for bundling his home and auto insurance policies. After researching various insurance companies, he discovered that Auto-Owners Insurance provided a significant multi-policy discount.
Making Your Way Through Claims: Auto-Owners vs. Safety Insurance Car Insurance
Ease of Filing a Claim
Both Auto-Owners and Safety Insurance strive to make the claims process as convenient as possible for their policyholders. They offer multiple channels for filing claims, including online submissions, phone assistance, and mobile apps. This flexibility ensures that policyholders can choose the method that best suits their preferences and circumstances when reporting a claim.
Average Claim Processing Time
The average claim processing time is a crucial factor for policyholders as it impacts how quickly they receive compensation for covered incidents. While both Auto-Owners and Safety Insurance aim for efficient claim processing, the actual time can vary depending on the complexity of the claim and the documentation provided. Policyholders should inquire about estimated claim processing times to set realistic expectations.
Customer Feedback on Claim Resolutions and Payouts
Policyholders’ feedback and experiences play a vital role in assessing the effectiveness of an insurance company’s claim resolutions and payouts. Auto-Owners and Safety Insurance have received feedback from their customers regarding their claims experiences. Reviewing this feedback can provide valuable insights into the efficiency, fairness, and overall satisfaction of the claim resolutions and payouts offered by these insurers.
Digital Features: Auto-Owners vs. Safety Insurance Car Insurance Tech-Savvy Offerings
Mobile App Features and Functionality
Both Auto-Owners and Safety Insurance offer mobile apps designed to enhance the policyholder experience. These apps typically provide users with access to policy details, premium payments, claim filing, and even digital insurance ID cards. The features and functionality of these apps aim to make managing insurance policies on the go more convenient and efficient.
Online Account Management Capabilities
In addition to mobile apps, both companies provide online account management capabilities through their websites. Policyholders can log in to their accounts to review policy information, make coverage adjustments, and access important documents. These online tools empower customers with self-service options and flexibility in managing their policies.
Digital Tools and Resources
Auto-Owners and Safety Insurance may also offer digital tools and resources to assist policyholders in understanding their insurance coverage better. These resources can include online calculators, educational materials, and guidance to help customers make well-informed decisions about their policies.
Leveraging these digital resources can be particularly helpful for individuals seeking to optimize their coverage and reduce insurance costs.
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Customer Reviews
Auto-Owners Insurance has a 97% customer satisfaction rating, according to J.D. Power’s 2022 U.S. Auto Insurance Study. Customers praised the company for its claims handling, customer service, and value for the price.
Safety Insurance has a customer satisfaction rating of 837 out of 1,000, according to J.D. Power’s 2022 U.S. Auto Insurance Study. Customers praised the company for its claims handling, customer service, and overall experience.
Frequently Asked Questions
Which company has a longer history in the insurance industry?
Auto-Owners, founded in 1916 in Michigan, has a longer history in the insurance industry compared to Safety Insurance, established in Massachusetts in 1979.
In how many states does each company offer insurance policies?
Auto-Owners provides insurance policies in 26 states, whereas Safety Insurance extends its coverage to 10 states.
What types of additional coverage options are available from these companies?
Both Auto-Owners and Safety Insurance offer additional coverage options such as roadside assistance, rental car reimbursement, and accident forgiveness.
Do these companies provide discounts for policyholders?
Yes, both Auto-Owners and Safety Insurance offer various discounts, including multi-policy, good student, and safety feature discounts.
How do the customer satisfaction ratings compare between Auto-Owners and Safety Insurance?
According to J.D. Power’s 2022 U.S. Auto Insurance Study, Auto-Owners has a customer satisfaction rating of 97%, while Safety Insurance has a rating of 837 out of 1,000.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
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.