Auto-Owners vs Tennessee Farm Bureau Car Insurance for 2023
Delve into the comprehensive analysis comparing Auto-Owners and Tennessee Farm Bureau car insurance, examining their services, costs, and customer experiences to aid your decision-making process.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
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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Auto insurance rates often hinge on multiple factors, from credit scores and mileage to coverage levels and driving records. In this comparison between Auto-Owners and Tennessee Farm Bureau, we unveil key insights. For 45-year-old male drivers seeking minimum or full coverage, Auto-Owners consistently offers advantageous rates. Factors such as credit score, mileage, coverage level, and driving record significantly impact rates, with Auto-Owners emerging as the preferable choice across various profiles. Stay tuned for a breakdown highlighting how these factors influence insurance rates across both companies.
| Factor | Auto-Owners | Tennessee Farm Bureau |
|---|---|---|
| Clean Record | $87 | $75 |
| 1+ Ticket | $105 | $95 |
| 1+ Accident | $127 | $110 |
| DUI | $130 | $130 |
| Poor Credit | $150 | $129 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
| Discount | Auto-Owners | Tennessee Farm Bureau |
|---|---|---|
| Safe Driver | 5% | 7% |
| Low Mileage | 10% | 9% |
| Anti Theft | 10% | 8% |
| Paperless | 7% | 6% |
| Senior Driver | 15% | 12% |
| Good Student | 10% | 11% |
Auto-Owners Car Insurance
Pros:
- Longevity and Stability: Auto-Owners has been in business since 1916 and has remained family-owned for over 100 years, providing a sense of stability and trustworthiness.
- Comprehensive Coverage: The company offers a range of insurance products, including car, home, life, and business insurance, providing customers with a one-stop-shop for their insurance needs.
- Efficient Claims Processing: Case studies reveal efficient claims processing, ensuring policyholders receive prompt assistance in case of accidents.
- Responsive Customer Service: Positive customer feedback highlights Auto-Owners’ commitment to addressing customer inquiries and concerns promptly.
- Customizable Policies: Policyholders can tailor coverage to their individual needs, allowing for personalized policy limits and optional coverages.
Cons:
- Limited Geographic Coverage: Auto-Owners operates in 26 states, limiting its availability to a specific region.
- Limited Online Account Management: While they offer online services, some users might find their online account management less user-friendly compared to other providers.
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Tennessee Farm Bureau Car Insurance
Pros:
- Support for Agricultural Communities: The company is committed to promoting the growth of Tennessee’s agricultural communities, showing a dedication to local farmers and businesses.
- Competitive Rates: Tennessee Farm Bureau offers competitive car insurance rates, making it an affordable option for many policyholders.
- Local Expertise and Support: The availability of local agents can provide valuable assistance and support to policyholders in understanding their coverage.
- Digital and Technological Innovations: The company offers mobile apps, online account management, and digital tools to enhance the customer experience.
- Policy Discounts and Savings: Customers can benefit from a range of discounts and reward programs, resulting in potential cost savings on premiums.
Cons:
- Limited Geographic Presence: Tennessee Farm Bureau primarily serves Tennessee, limiting its availability to residents of this state.
- Limited Range of Insurance Products: While they offer car, home, life, and farm insurance, the range of insurance products is narrower compared to some larger national providers.
The Verdict: Auto-Owners Takes the Lead
When it comes to choosing the best car insurance company between Auto-Owners and Tennessee Farm Bureau, there are several factors to consider. Both companies offer a range of benefits, including efficient claims processing, competitive rates, and a commitment to providing personalized service to their policyholders.
However, when evaluating all the factors, Auto-Owners Insurance emerges as the superior choice for several compelling reasons.
Longevity and Stability: Auto-Owners has an extensive history of over a century, which lends a sense of stability and trustworthiness that’s hard to match. This longevity is a testament to the company’s commitment to serving its customers.
Comprehensive Coverage: Auto-Owners provides a wide array of insurance products beyond car insurance, including home, life, and business insurance. This comprehensive offering makes it a one-stop-shop for all your insurance needs, providing convenience and potential bundling discounts.
Responsive Customer Service: Positive customer feedback highlights Auto-Owners’ commitment to addressing customer inquiries and concerns promptly, ensuring that you receive the assistance you need when you need it.
Customizable Policies: Auto-Owners allows policyholders to tailor their coverage, providing flexibility and personalized options to align with individual needs and preferences.
While Tennessee Farm Bureau offers competitive rates and local expertise, its limited geographic presence and narrower range of insurance products may not cater to a broader audience. Furthermore, while both companies have a strong presence in their respective regions, Auto-Owners’ long-standing history and exceptional customer service set it apart as the superior choice when all factors are considered.
Company History and Mission
Auto-Owners Insurance was founded in 1916 by Vern V. Moulton in Michigan. It has remained family-owned for over 100 years, and its current CEO is Jeffrey F. Harrold. The company’s mission is to provide “Peace of Mind” to its policyholders through personalized service and quality insurance products. Auto-Owners offers a range of insurance products, including car, home, life, and business insurance, and operates in 26 states.
Tennessee Farm Bureau was founded in 1948 and is a member of the American Farm Bureau Federation. The company’s mission is to “promote the economic, social, and educational growth of Tennessee’s agricultural communities.”
In addition to insurance, the Tennessee Farm Bureau offers a range of services, including agricultural advocacy, educational programs, and community outreach. The company operates in Tennessee and is committed to supporting local farmers and businesses.
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Products and Services Offered
Auto-Owners: Auto-Owners offers a range of car insurance coverage options, including liability, collision, comprehensive, and personal injury protection. The company also offers optional add-ons like rental reimbursement and roadside assistance.
In addition to car insurance, Auto-Owners offers a range of other insurance products, including home, life, and business insurance. The cost of coverage varies based on factors like the driver’s age, driving record, and location.
Tennessee Farm Bureau: Tennessee Farm Bureau offers similar car insurance coverage options, including liability, collision, comprehensive, and personal injury protection. The company also offers optional add-ons like rental reimbursement and roadside assistance.
Tennessee Farm Bureau also offers a range of other insurance products, including home, life, and farm insurance. The cost of coverage varies based on factors like the driver’s age, driving record, and location.
Costs
The cost of car insurance coverage varies based on several factors, including the driver’s age, driving record, and location. While both auto owners and the Tennessee Farm Bureau offer competitive rates, the cost of coverage may differ depending on the individual policyholder’s circumstances.
Auto-Owners: According to NerdWallet, the average cost of car insurance from Auto-Owners is $1,308 per year. However, the actual cost of coverage may vary depending on the driver’s circumstances.
Auto-Owners offers a range of discounts, including a safe driver discount, a multi-policy discount, and a student away at school discount, among others. Policyholders can also lower their rates by opting for a higher deductible.
Tennessee Farm Bureau: According to ValuePenguin, the average cost of car insurance from Tennessee Farm Bureau is $1,263 per year. Like auto owners, the actual cost of coverage may vary depending on the driver’s circumstances.
Tennessee Farm Bureau offers a range of discounts, including a safe driver discount, a multi-vehicle discount, and a good student discount, among others. Policyholders can also lower their rates by opting for a higher deductible.
Discounts Available for Customers
Both Auto-Owners and the Tennessee Farm Bureau offer a range of discounts to help policyholders save on their car insurance premiums.
Auto-Owners:
- Safe driver discount
- Multi-policy discount
- Good student discount
- Vehicle safety discount
- Teen driver monitoring discount
- Green discount (for hybrid or electric vehicles)
- Paid-in-full discount
- Paperless billing discount
Tennessee Farm Bureau:
- Safe driver discount
- Multi-vehicle discount
- Good student discount
- Farm Bureau member discount
- Accident-free discount
- Anti-theft device discount
- Defensive driving discount
- Loyalty discount
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Case Studies: Auto-Owners vs. Tennessee Farm Bureau 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 promptly, and provided swift compensation. Mr. Anderson appreciated the speed at which his claim was processed.
Case Study 2: Local Expertise and Support
Ms. Ramirez, a Tennessee Farm Bureau Car Insurance policyholder, valued the local expertise and support provided by the company. When she needed assistance with her policy or had questions about coverage, she could rely on the knowledge and guidance of a Tennessee Farm Bureau agent in her community.
Case Study 3: Comprehensive Coverage Options
In a case involving auto owners and Tennessee Farm Bureau Car Insurance, both policyholders had access to comprehensive coverage options. Whether it was protection against accidents, theft, or other risks, both companies offered policies with comprehensive coverage, ensuring the policyholders had the necessary protection.
Case Study 4: Responsive Customer Service
Mrs. Thompson, an Auto-Owners policyholder, had a positive experience with the responsive customer service provided by the company. When she reached out with questions or concerns, Auto-Owners’ customer service team promptly addressed her inquiries and provided helpful guidance.
Case Study 5: Policy Discounts and Savings
Mr. Patel, a Tennessee Farm Bureau Car Insurance policyholder, benefited from policy discounts and savings offered by the company. Through various discounts and reward programs, the Tennessee Farm Bureau rewarded Mr. Patel’s safe driving habits and loyalty, resulting in cost savings on his car insurance premiums.
Case Study 6: Personalized Policy Coverage
Ms. Johnson, an Auto-Owners policyholder, appreciated the ability to customize her policy coverage. Auto-Owners allowed Ms. Johnson to tailor her policy limits, select specific endorsements, and add optional coverages to align with her individual needs and preferences.
Auto-Owners vs. Tennessee Farm Bureau Claims Processing Overview
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
Filing a car insurance claim should be a straightforward process, and policyholders often prefer convenience and flexibility in how they can report a claim. Both Auto-Owners and the Tennessee Farm Bureau offer multiple options for filing claims, including online, over the phone, and through mobile apps. This section examines the ease of filing a claim with these two insurance providers and the convenience they offer to their policyholders.
Average Claim Processing Time
When you’ve been involved in an accident or encountered a covered event, a prompt claims resolution is crucial. Policyholders want to know how quickly their insurance company can process their claims and provide the necessary support. In this section, we explore the average claim processing times for both auto owners and the Tennessee Farm Bureau, shedding light on their efficiency in handling claims.
Customer Feedback on Claim Resolutions and Payouts
Customer satisfaction with claim resolutions and payouts is a significant indicator of an insurance company’s reliability and commitment to policyholders.
Experiences can provide valuable insights into how well auto owners and the Tennessee Farm Bureau address their customers’ needs during the claims process. This section delves into customer feedback to evaluate the quality of claim resolutions and payouts offered by these providers.
Exploring Digital and Technological Innovations of Auto-Owners vs. Tennessee Farm Bureau
Mobile App Features and Functionality
In today’s digital age, insurance providers are increasingly offering mobile apps to enhance their customers’ experience. These apps can streamline tasks such as policy management, claims reporting, and accessing important documents.
In this section, we assess the mobile app features and functionality provided by Auto-Owners and the Tennessee Farm Bureau, examining how they leverage technology to improve the customer experience.
Online Account Management Capabilities
The ability to manage your insurance policy online is a convenience many policyholders value. It allows for easy access to policy documents, billing information, and the ability to make updates. This section explores the online account management capabilities offered by Auto-Owners and Tennessee Farm Bureau, providing insights into how user-friendly and feature-rich their online platforms are.
Digital Tools and Resources
In addition to mobile apps and online account management, insurance companies often provide digital tools and resources to help policyholders make informed decisions and navigate the complexities of insurance. These tools can include calculators, educational materials, and guides.
In this section, we investigate the digital tools and resources offered by auto owners and the Tennessee Farm Bureau, highlighting their commitment to providing valuable information and support to policyholders in the digital realm.
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Customer Reviews
Before choosing a car insurance company, it’s important to consider what other policyholders have to say about their experiences. Here’s a summary of customer reviews for both Auto-Owners and the Tennessee Farm Bureau:
Auto-Owners:
- J.D. Power ranked auto owners as “Highest in Customer Satisfaction with the Auto Insurance Claims Experience” for 2021.
- Auto-Owners has an A+ rating from the Better Business Bureau (BBB) and has been accredited by the organization since 1955.
- According to NerdWallet, auto owners have fewer complaints than other insurers of a similar size.
Tennessee Farm Bureau:
- Tennessee Farm Bureau has an A+ rating from the BBB and has been accredited by the organization since 1985.
- According to Insure.com’s customer satisfaction rankings, Tennessee Farm Bureau ranked fourth in the Southeast region in 2020.
- Some customers have reported issues with the claims process or difficulty canceling policies.
Frequently Asked Questions
How do I qualify for discounts from auto owners and the Tennessee Farm Bureau?
To qualify for discounts, policyholders must meet specific criteria set by the insurance company. For example, to qualify for a safe driver discount, you may need to have a clean driving record for a certain number of years. Contact the insurance company directly or visit their website to learn more about the discounts they offer and how to qualify for them.
How do I file a claim with Auto-Owners or the Tennessee Farm Bureau?
To file a claim with either company, policyholders should contact their insurance agent or call the company’s claims department directly. The insurance company will guide you through the claims process and provide instructions on how to submit any necessary documentation.
What states do Auto-Owners and Tennessee Farm Bureau operate in?
Auto-Owners operates in 26 states, including Michigan, Ohio, and Indiana.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
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.