auto owners insurance agent az
As an independent insurance agent in the vibrant state of Arizona, I have the privilege of representing a diverse array of insurance companies, including the esteemed Auto-Owners Insurance Company.
At Blake Insurance Group, we understand that choosing the right insurance provider is crucial for individuals and families. We are committed to offering personalized service and tailored solutions and strive to meet the unique needs of our clients.
Auto-Owners Insurance Company stands out as a trusted partner in this endeavor. With a history of over a century, they have built a reputation for financial stability and exceptional customer service. Their dedication to providing comprehensive coverage options and competitive rates makes them a top choice for many seeking peace of mind.
In this article, we’ll explore the benefits of working with an independent insurance agent, delve into the array of products offered by Auto-Owners, and highlight how our local expertise can help you find the perfect insurance solution. Whether you’re looking for auto, home, life, or business insurance, we’re here to guide you every step of the way.
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Insurance Products Offered by Auto-Owners
– **Homeowners Insurance**: This policy covers your home and personal property against disaster damages. It includes dwelling and personal property coverage, personal liability protection, and additional living expenses if your home becomes uninhabitable. Optional coverages include guaranteed home replacement costs and water backup for sewers or drains.
– **Condo Insurance**: Designed for condominium owners, this policy covers your condo, personal property, and personal liability. Optional coverages include Condo-Owners Plus Endorsement, which covers refrigerated products and appliance leakage, and Personal Property Replacement Cost.
– **Renters Insurance**: Renters insurance covers personal property and liability for those renting an apartment or home. It also provides additional living expenses if your rental becomes uninhabitable. Optional coverages include Renters Plus, which covers refrigerated products and water backup of sewers or drains.
– **Rental Dwelling Insurance**: This policy is for landlords and covers the rental property and any attached structures. It also covers loss of rental income if the property becomes uninhabitable. Optional coverages include Landlord Liability and Equipment Breakdown.
– **Mobile Home Insurance**: This policy covers mobile homes and any attached structures, personal property, and liability. Optional coverages include Mobile Homeowners Plus, which provides additional coverages like refrigerated products and sewer backup.
– **Umbrella Insurance**: An umbrella policy provides additional liability protection beyond the limits of your standard policies. It covers legal defense costs and personal injury claims, with coverage limits up to $5,000,000.
– **Property & Valuables Insurance**: While not explicitly detailed in the search results, this typically covers high-value items such as jewelry, art, and collectibles, providing repair or replacement without depreciation.
– **Farm Insurance**: This policy covers farms of all sizes and types, protecting against various risks associated with farming operations. Coverage, including liability and property coverage, can be tailored to meet specific needs.
– **Pet Insurance**: Auto-Owners, in partnership with Figo, offers pet insurance covering vet exams, surgeries, prescriptions, and more. Additional features include a mobile app for managing pet records and real-time tracking through GPS integration.
Flood Insurance: This policy provides coverage for damages caused by flooding, which are not typically covered under standard homeowners insurance. It protects your home and belongings from flood-related losses.
– **Auto Insurance**: Auto-Owners offers comprehensive auto insurance coverage, including liability, collision, and comprehensive coverage. Optional add-ons include roadside assistance and rental car reimbursement.
– **Motorcycle Insurance**: This policy covers motorcycles and protects against liability, collision, and comprehensive damages. Additional coverage options include accessories and custom parts.
– **ATV & Off-Road Vehicle Insurance**: Designed for all-terrain and off-road vehicles, this insurance covers liability, collision, and comprehensive damages, ensuring protection while exploring off the beaten path.
– **Motor Home & RV Insurance**: This policy provides specialized coverage for motor homes and recreational vehicles, including liability, collision, and comprehensive coverage. It can also cover personal belongings within the RV.
– **Boat Insurance**: Boat insurance covers a variety of watercraft, providing protection for liability, physical damage, and medical payments. Optional coverages may include towing and assistance.
– **Trailer Insurance**: This policy covers trailers used for personal or recreational purposes, protecting against liability and physical damage.
– **Life Insurance**: Auto-Owners offers several life insurance options to provide financial security for your loved ones:
**Term Life Insurance** provides coverage for a specified term and offers a death benefit if the insured passes away during the term. It is typically more affordable and can be converted to permanent insurance.
Universal Life Insurance offers flexible premiums and death benefits, combining a death benefit with a savings component that can accumulate cash value over time.
**Whole Life Insurance**: This provides lifelong coverage with fixed premiums and a guaranteed death benefit. It also includes a cash value component that grows over time.
– **Annuities**: Auto-Owners offers annuities designed to provide a steady income stream in the future. These financial products allow you to grow and protect your money, offering tax-deferred growth and the ability to pass funds directly to beneficiaries without probate. Annuities can be structured to make payments for a fixed period or amount, ensuring income that cannot be outlived.
– **Disability Income Insurance**: This insurance provides financial protection by offering income replacement if you become disabled due to sickness or injury. Coverage is guaranteed renewable until age 67, and premiums are waived after a disability lasts 90 consecutive days. It offers 24-hour coverage and various elimination periods.
– **Business Insurance**: Auto-Owners provides a wide range of business insurance products that cover everything from small local businesses to large multi-state operations. Coverage options include property, liability, crime, and inland marine insurance, allowing businesses to customize their policies to meet specific needs.
**Commercial Auto Insurance**: This insurance covers business vehicles, including cars, trucks, and vans. It protects against liability, collision, comprehensive damages, and uninsured/underinsured motorists; various discounts are available to help reduce premiums.
– **Workers’ Compensation Insurance**: This policy provides medical and wage loss benefits for employees who suffer work-related injuries or illnesses. It is a state-mandated coverage that also includes employers’ liability protection. Optional coverages like waiver of subrogation and voluntary compensation are available.
– **Bonds**: Auto owners offer various bonds, including contract bonds, commercial bonds, and fidelity bonds. These bonds provide financial protection for businesses, ensuring compliance with legal obligations and protecting against employee theft and fraud
– **Loss Control**: Auto-Owners offers loss control services to help businesses manage risk and prevent losses. Services include risk management, safety consultation, training, loss analysis, and on-site assessments to strengthen business safety and competitiveness.
– **Commercial Umbrella Insurance**: This policy provides additional liability protection for businesses, extending coverage beyond standard policies’ limits. It covers legal defense costs and personal injury claims, with coverage limits up to $5,000,000. The policy also offers worldwide coverage and protection for various liabilities, such as liquor law and contractual liabilities.
Customer Satisfaction Ratings
– **NerdWallet** has awarded Auto-Owners a 5-star rating, highlighting its bundling benefits, a wide variety of coverage offerings, and fewer complaints than expected for auto insurance.
**MarketWatch** rates Auto-Owners an 8.9 out of 10, praising its low-rate options, extensive coverage, and positive customer reviews. However, it notes some dissatisfaction with the claims process.
– **U.S. News** ranks Auto-Owners highly for customer loyalty, with many policyholders likely to renew their policies. It is noted for having some of the lowest rates in the market, especially for minimum coverage.
**Claims Process and Customer Service**
– **Bankrate** reports that auto owners perform better than average in complaints, with a lower complaint index from the National Association of Insurance Commissioners (NAIC). However, J.D. Power ranks 15th out of 22 for auto insurance claims satisfaction, indicating room for improvement.
– **ConsumerAffairs** highlights that while some customers appreciate the personal service and prompt claims handling, there are complaints about the claims adjusters and the limited online support.
– **ValuePenguin** notes that Auto-Owners is a good choice for those who prefer working with a dedicated local agent despite its limited online management options.
**Overall Impression**
Auto-Owners Insurance is well-regarded for its financial stability, as evidenced by its A++ rating from AM Best, and for offering competitive rates, particularly for auto insurance. However, the company could enhance its customer experience by improving its online services and claims process. While it excels in providing a personal touch through independent agents, some customers desire more efficient claims handling and better digital tools.
Auto-Owners Insurance against other insurance providers
Insurance Providers Comparison
| Insurance Provider | Customer Satisfaction | Pricing | Coverage Options | Financial Strength |
|---|---|---|---|---|
| Auto-Owners Insurance | High - Consistently ranked highly by J.D. Power | Competitive | Wide range of auto, home, and business coverages | A++ (Superior) by AM Best |
| State Farm | High - One of the largest insurers, good ratings | Average to Competitive | Extensive auto, home, life, and specialty coverages | A++ (Superior) by AM Best |
| Geico | High - Known for excellent customer service | Affordable | Primarily focuses on auto insurance with add-ons | A++ (Superior) by AM Best |
| Progressive | Above Average - Good customer support | Competitive, with potential discounts | Wide array of auto, home, and specialty coverages | A+ (Superior) by AM Best |
| Allstate | Average to Above Average - Decent customer ratings | Slightly higher than average | Comprehensive auto, home, and life insurance options | A+ (Superior) by AM Best |
| USAA | High - Excellent ratings, but restricted to military | Very Competitive | Focuses on auto, home, and life, exclusive to military families | A++ (Superior) by AM Best |
| Liberty Mutual | Above Average - Mixed customer satisfaction | Varies, often higher | Broad range of personal and commercial insurance | A (Excellent) by AM Best |
| Nationwide | Above Average - Good customer satisfaction | Competitive, various discount options | Extensive auto, home, and business insurance options | A+ (Superior) by AM Best |
| Farmers Insurance | Above Average - Decent customer reviews | Slightly above average | Auto, home, life, and small business coverages | A (Excellent) by AM Best |
**Auto-Owners vs. State Farm**
– **Customer Satisfaction**: Auto-owners generally receive high marks for customer satisfaction, with fewer complaints than expected. State Farm also has a strong reputation, with an A++ rating from AM Best, though recent challenges have affected its outlook.
– **Pricing**: Auto-Owners offers competitive rates, with liability-only insurance averaging $40 per month, slightly lower than State Farm’s $60.
– **Coverage Options**: Both companies offer a wide range of coverage options, including bundling opportunities. State Farm provides additional options like rideshare insurance.
– **Financial Strength**: Both companies hold an A++ rating from AM Best, indicating excellent financial stability.
**Auto-Owners vs. Progressive**
– **Customer Satisfaction**: Auto-Owners tend to have fewer complaints than Progressive, which is known for its wide range of discounts but mixed customer reviews.
– **Pricing**: Progressive’s rates are generally higher, with liability-only insurance averaging $72 per month compared to Auto-Owners’ $40.
– **Coverage Options**: Progressive offers unique options like gap insurance and a Name Your Price tool, appealing to budget-conscious customers.
– **Financial Strength**: Progressive holds an A+ rating from AM Best, slightly lower than Auto-Owners’ A++ rating.
**Auto-Owners vs. Liberty Mutual**
– **Customer Satisfaction**: Auto owners often receive better customer satisfaction ratings, with fewer complaints relative to their size. Liberty Mutual’s customer reviews are more mixed, with some dissatisfaction noted.
Pricing: Liberty Mutual typically has higher premiums than Auto-Owners, which is known for its low-rate options.
– **Coverage Options**: Liberty Mutual provides comprehensive coverage options, including Better Car Replacement and accident forgiveness.
– **Financial Strength**: Liberty Mutual has an A rating from AM Best, indicating strong financial stability, but not as high as Auto-Owners.
**Auto-Owners vs. Farmers Insurance**
– **Customer Satisfaction**: Farmers score below average in J.D. Power’s studies, whereas Auto-Owners generally perform above average.
– **Pricing**: Farmers are known for affordable rates but may not be as competitive as auto owners, especially for liability-only coverage.
– **Coverage Options**: Farmers offer various coverage options, including accident forgiveness and rideshare insurance, similar to Auto-Owners.
– **Financial Strength**: Farmers hold an A- rating from AM Best, which is lower than Auto-Owners’ A++ rating.
**Auto-Owners vs. GEICO**
– **Customer Satisfaction**: GEICO, like Auto-Owners, is known for high customer satisfaction, with efficient claims handling and fewer complaints.
– **Pricing**: GEICO offers competitive rates, with full coverage averaging $97 per month, slightly cheaper than Auto-Owners’ $110.
– **Coverage Options**: GEICO provides comprehensive digital tools and coverage options that appeal to tech-savvy customers.
– **Financial Strength**: GEICO, like Auto-Owners, holds an A++ rating from AM Best, indicating excellent financial stability.
FAQs about Auto-Owners Insurance
What types of insurance does Auto-Owners offer?
Auto-Owners provides a wide range of insurance products, including auto, home, life, business, commercial auto, condo, renters, mobile home, umbrella, farm, pet, and flood insurance.
How can I get a quote for Auto-Owners Insurance?
To get a quote, you need to contact a local independent agent like Blake Insurance Group. Auto-Owners operates through a network of independent agents to provide personalized service. You can find an agent near you by visiting their website and using the agency locator tool.
What discounts are available with Auto-Owners Insurance?
Auto-Owners offers several discounts, including those for good students, students away at school, teen driver monitoring, and bundling multiple policies. Discounts may vary by state and policy type.
How do I file a claim with Auto-Owners Insurance?
You can file a claim by contacting your local agent. If you need to file a claim after hours, you can call their claims hotline at 1-888-252-4626.
What is the financial strength of Auto-Owners Insurance?
Auto-Owners is rated A++ (Superior) by AM Best, indicating excellent financial stability and the ability to pay claims.
Where is Auto-Owners Insurance available?
Auto-Owners operates in 26 states across the United States. You can check availability in your state by contacting a local agent or visiting their website.
How does Auto-Owners handle customer service and claims?
Auto-Owners is known for its personalized customer service through independent agents. While some customers report positive experiences with claims handling, others have noted delays. It is advisable to work closely with your agent to ensure a smooth claims process.
Can I manage my Auto-Owners policy online?
While Auto-Owners emphasizes personal service through agents, they also offer a mobile app for policy management. However, some services may still require direct contact with an agent.
Blake Insurance Group
Phone: (888) 387-3687
Email: [email protected]
Hours: Mon-Fri 9:00 am to 5:00 pm
Sat-Sun: Closed
Blake Nwosu
Owner & Principal Agent