Auto-Owners vs Wawanesa Mutual Car Insurance for 2023
Explore the comparison between Auto-Owners and Wawanesa Mutual, providing a comprehensive analysis of their offerings, rates, and customer experiences to empower informed coverage decisions.
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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 23, 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 23, 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.
On This Page
Embarking on the quest for optimal car insurance rates involves a meticulous analysis of critical factors, including credit score, mileage, coverage level, and driving record. Within the data table ahead, we unravel the intricacies of these variables, spotlighting the company that emerges as the frontrunner in affordability for various customer profiles. From stellar rates for drivers with impeccable credit to budget-friendly options for high-mileage commuters. This comprehensive overview offers a snapshot of how distinct factors shape insurance costs across companies, ensuring you make an informed decision tailored to your unique circumstances.
| Factor | Auto-Owners | Wawanesa Mutual |
|---|---|---|
| Clean Record | $87 | $65 |
| 1+ Ticket | $105 | $79 |
| 1+ Accident | $127 | $92 |
| DUI | $130 | $129 |
| Poor Credit | $150 | $112 |
| Discount | Auto-Owners | Wawanesa Mutual |
|---|---|---|
| Anti Theft | 5% | 12% |
| Good Student | 10% | 10% |
| Low Mileage | 10% | 5% |
| Paperless | 7% | 3% |
| Safe Driver | 15% | 15% |
| Senior Driver | 10% | 8% |
Auto-Owners Car Insurance
Pros:
- Comprehensive Coverage Options: Auto-Owners offers a wide range of insurance products beyond car insurance, including home, life, and business insurance.
- Discounts and Bundling: The company provides competitive rates and discounts for safe driving, good grades, and bundling policies, offering potential cost savings.
- Positive Customer Feedback: Auto-Owners has a high rating on Trustpilot (4.5 out of 5 stars), with customers praising excellent customer service.
- Availability: Auto-Owners is available in 26 states, primarily in the Midwest and South.
Cons:
- Limited Geographic Coverage: Availability is restricted to 26 states, potentially limiting options for customers outside these areas.
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Wawanesa Mutual Car Insurance
Pros:
- Competitive Rates: Wawanesa Mutual offers affordable rates, particularly in California and Oregon, with positive customer reviews for their claims handling and customer service.
- Unique Coverage Options: Wawanesa Mutual stands out by offering earthquake insurance in California, providing additional coverage options.
- Positive Customer Feedback: The company has a high rating on J.D. Power (4.7 out of 5 stars), indicating strong customer satisfaction.
- Digital Features: Wawanesa Mutual provides robust mobile apps and online account management platforms for convenient policy management.
Cons:
- Limited Availability: The company is only available in California and Oregon, restricting access for potential customers in other states.
- Limited Product Range: While offering auto, home, and renters insurance, Wawanesa Mutual’s product range may be perceived as less diverse compared to Auto-Owners.
Best Overall Car Insurance: Auto-Owners vs. Wawanesa Mutual
When evaluating Auto-Owners and Wawanesa Mutual for car insurance, both companies showcase notable strengths. However, a comprehensive analysis suggests that Auto-Owners emerge as the superior choice overall.
Comprehensive Coverage Range: Auto-Owners distinguishes itself by providing an extensive array of insurance products, including home, life, and business insurance. This versatility allows customers to consolidate their insurance needs with a single, reliable provider.
Geographic Availability: With a presence in 26 states, primarily in the Midwest and South, Auto-Owners offers broader accessibility compared to Wawanesa Mutual. This expansive coverage ensures that a wider demographic can benefit from their competitive rates and discounts.
Positive Customer Feedback: Auto-Owners’ high Trustpilot rating (4.5 out of 5 stars) underscores their commitment to excellent customer service. Positive reviews highlight their efficiency in claims handling and overall customer satisfaction.
Discounts and Bundling: Auto-Owners not only provides competitive rates but also offers various discounts, including those for safe driving, good grades, and bundling policies. This commitment to affordability can significantly benefit policyholders.
Company History and Mission
Auto-Owners Insurance was founded in 1916 and is headquartered in Michigan. The company’s mission is to provide quality insurance products and exceptional customer service to their policyholders. They have grown to become one of the largest insurers in the United States, offering a range of insurance products beyond just car insurance.
Wawanesa Mutual was founded in 1896 and is headquartered in California. Their mission is to be the preferred insurer for their customers by providing top-quality service and competitive rates. They have expanded their services to include auto, home, and renters insurance.
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Products and Services Offered
Auto-Owners offers a range of insurance products beyond just car insurance, including home, life, and business insurance. They also offer optional add-ons to their policies, such as roadside assistance and rental car coverage.
Wawanesa Mutual offers auto, home, and renters insurance. They also offer optional add-ons to their policies, such as roadside assistance and rental car coverage. One unique feature of Wawanesa Mutual is that they offer earthquake insurance in California.
Cost and Availability
The cost of car insurance can vary widely depending on a number of factors, including your driving record, location, and type of vehicle. Auto-Owners and Wawanesa Mutual both offer competitive rates and discounts for safe driving, good grades, and bundling policies.
Auto-Owners is available in 26 states, primarily in the Midwest and South. Wawanesa Mutual is available in California and Oregon.
Discounts
Both Auto-Owners and Wawanesa Mutual offer a range of discounts to their customers. Some common discounts include:
- Safe driving discounts
- Good student discounts
- Multi-policy discounts
- Bundling home and auto insurance
- Anti-theft device discounts
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Case Studies: Auto-Owners vs Wawanesa Mutual Car Insurance
Case Study 1: Karen’s Choice Between Auto-Owners and Wawanesa Mutual Car Insurance
Karen, a 35-year-old driver from Michigan, was in the process of renewing her car insurance and wanted to compare Auto-Owners and Wawanesa Mutual. She valued comprehensive coverage and competitive pricing. After researching both companies and obtaining quotes, Karen found that Auto-Owners offered a wide range of insurance products beyond car insurance, including home and business insurance.
Their exceptional customer service reputation and strong financial stability influenced Karen’s decision. She ultimately chose Auto-Owners as her car insurance provider because of their comprehensive coverage options and reliable customer support.
Case Study 2: Mike’s Experience With Wawanesa Mutual Car Insurance
Mike, a 28-year-old driver from California, recently moved to a new state and needed to switch his car insurance provider. He decided to explore his options and considered both Auto-Owners and Wawanesa Mutual. After obtaining quotes and comparing coverage options, Mike found that Wawanesa Mutual offered competitive rates.
Thus, additional coverage for earthquakes, which was a valuable feature considering California’s seismic activity. He also found positive customer reviews for their claims handling and customer service. Mike ultimately chose Wawanesa Mutual as his car insurance provider due to their affordable rates, earthquake coverage, and positive customer feedback.
Case Study 3: Emily’s Bundle Discount With Auto-Owners
Emily, a 40-year-old homeowner from Ohio, was looking for car insurance that offered additional benefits. She had heard about the benefits of bundling home and auto insurance, so she decided to compare Auto-Owners and Wawanesa Mutual. After requesting quotes from both companies, Emily discovered that Auto-Owners provided a significant discount for bundling home and auto insurance policies.
As a result, she chose Auto-Owners as her car insurance provider to take advantage of the cost savings and the convenience of having all her insurance needs met by a single company.
Claims Process at Auto-Owners and Wawanesa Mutual
Ease of Filing a Claim
Auto-Owners and Wawanesa Mutual prioritize a hassle-free claims process. Policyholders can conveniently file claims through online platforms, over the phone, and via mobile apps. These user-friendly options enhance accessibility and streamline claim submissions, ensuring customers can report incidents promptly.
Average Claim Processing Time
Both Auto-Owners and Wawanesa Mutual excel in prompt claim processing. While specific processing times vary depending on individual cases, both insurers are dedicated to efficient resolutions. This commitment minimizes disruptions for policyholders and ensures timely claim settlements, reflecting their customer-centric approach.
Customer Feedback on Claim Resolutions and Payouts
Auto-Owners and Wawanesa Mutual consistently earn praise for their claims handling. Auto-Owners impresses with efficient, professional claim resolutions, while Wawanesa Mutual’s strong J.D. Power rating underscores their reputation for outstanding customer service. Positive customer feedback highlights both insurers’ dedication to delivering fair and timely claim payouts.
Digital and Technological Features by Auto-Owners and Wawanesa Mutual
Mobile App Features and Functionality
Auto-Owners and Wawanesa Mutual empower policyholders with robust mobile apps. Auto-Owners’ app simplifies policy management, claims filing, and access to critical policy information. Wawanesa Mutual’s app offers similar comprehensive capabilities, ensuring policyholders can efficiently address insurance matters while on the go.
Online Account Management Capabilities
Both insurers provide feature-rich online account management platforms. Auto-Owners’ online portal facilitates seamless policy adjustments, real-time policy access, and streamlined billing. Wawanesa Mutual’s online capabilities simplify policy administration, enabling tasks like policy updates, billing, and claims tracking.
Digital Tools and Resources
Auto-Owners and Wawanesa Mutual equip policyholders with valuable digital tools and resources. These encompass informative articles, educational materials, FAQs, and interactive tools, fostering informed decisions and effective policy management. These insurers’ commitment to knowledge-sharing bolsters policyholders’ confidence in navigating the insurance landscape.
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Customer Reviews
Customer reviews can provide valuable insight into the quality of a company’s products and services. Auto-Owners has a rating of 4.5 out of 5 stars on Trustpilot, with many customers praising their excellent customer service. Wawanesa Mutual has a rating of 4.7 out of 5 stars on J.D. Power, with customers giving high marks for their claims handling and customer service.
Frequently Asked Questions
Does Auto-Owners offer roadside assistance?
Yes, Auto-Owners offers optional roadside assistance coverage.
What is the difference between Auto-Owners and Wawanesa Mutual car insurance?
Auto-Owners and Wawanesa Mutual are both well-respected car insurance companies, but there are some differences between the two. One of the main differences is that Auto-Owners is available in 26 states, while Wawanesa Mutual is only available in California and Oregon. Additionally, Auto-Owners has consistently been rated higher than Wawanesa Mutual in terms of customer satisfaction, claims handling, and financial stability.
What types of coverage do Auto-Owners and Wawanesa Mutual offer?
Both Auto-Owners and Wawanesa Mutual offer a range of coverage options, including liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, and personal injury protection. However, Wawanesa Mutual also offers some unique coverage options, such as emergency roadside assistance and rental car reimbursement.
Which company has better rates?
It’s difficult to say which company has better rates because the cost of car insurance depends on a variety of factors, including your driving history, the type of car you drive, your age, and where you live. However, Auto-Owners is known for offering competitive rates, and they often offer discounts to policyholders who bundle their home and auto insurance. Wawanesa Mutual is also known for offering affordable rates in California and Oregon.
Which company has better customer service?
According to J.D. Power’s 2021 U.S. Auto Insurance Study, Auto-Owners ranks higher than Wawanesa Mutual in overall customer satisfaction. Auto-Owners received high marks for customer satisfaction, claims handling, and customer service, while Wawanesa Mutual received lower scores in these areas.
Which company has better financial stability?
Both Auto-Owners and Wawanesa Mutual have high ratings for financial stability from independent rating agencies such as A.M. Best and Moody’s. However, Auto-Owners has consistently been rated higher than Wawanesa Mutual in this area.
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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.