auto owners insurance agent az
Auto-Owners Insurance Company is a highly-rated insurance company that has been in business for over 100 years. They work exclusively through independent agents to provide local, affordable personal service in 26 states. Auto-Owners Insurance offers a range of insurance products to meet your needs, including homeowners insurance, auto insurance, life insurance, and business insurance.
They have received numerous customer service and claims management awards and are rated A++ (Superior) by the insurance industry credit rating agency, AM Best Company, for their financial stability. Auto-Owners Insurance also offers discounts for good students, students away at school, and teen driver monitoring.
Auto-Owners Insurance offers a range of insurance products to meet your needs. They pay what they owe according to the policy, with no excuses or loopholes. Some of the insurance products offered by Auto-Owners Insurance Company include:
START FREE ONLINE QUOTE NOW
At Blake Insurance Group, we respect your privacy. Your personal information is used solely for quote purposes and is not shared or sold
Homeowners Insurance
Auto-Owners Insurance offers homeowners insurance policies that cover your home, personal property, and liability. They also offer additional coverage options, such as flood insurance and umbrella insurance. Here are some details about the coverage options offered by Auto-Owners Insurance:
– **Dwelling and Personal Property Coverage**: Auto-owners insurance covers the cost to rebuild your home after a disaster, including attached structures such as an attached garage or deck. They also cover your personal belongings with the option to include special items such as jewelry or collectibles. Their policies also cover fire department charges, debris removal, and even the cost of replacing food that spoils during a prolonged power outage.
– **Personal Liability Protection**: Auto-Owners Insurance offers personal liability protection, which covers you if someone is injured on your property or if you damage someone else’s property.
– **Additional Coverage Options**: Auto-Owners Insurance offers several additional coverage options, such as Guaranteed Home Replacement Cost, which fully replaces your home if your coverage limit is too low. They also offer Water Backup of Sewers or Drains coverage, which repairs damage to floors, walls, furniture, and electrical systems. Homeowners Plus is another coverage option that builds on your policy by providing several additional coverages in one package, including coverage for damage to your property caused by household appliance leaks, increased coverage limits for food spoilage from power failures, and more.
– **Discounts**: Auto-Owners Insurance offers several discounts for homeowners insurance, including a multipolicy discount, which can save you money if you have multiple policies with Auto-Owners Insurance. They also offer discounts for new homes, homes with security systems, and homes with fire alarms.
Auto Insurance
Auto-Owners Insurance offers standard auto insurance coverage types, including liability, comprehensive, and collision insurance. They also offer several optional endorsements, such as roadside assistance and rental car reimbursement. Here are some details about the coverage options offered by Auto-Owners Insurance:
– **Liability Coverage**: Auto-Owners Insurance offers liability coverage, which covers the cost of damages and injuries you cause to others in an accident. This coverage is required by law in most states.
– **Comprehensive Coverage**: Auto-Owners Insurance offers comprehensive coverage, which covers damages to your vehicle caused by factors other than an accidental collision, such as fire, vandalism, weather, theft, accident with an animal, etc. Comprehensive coverage is optional, but it can provide peace of mind in case of unexpected events.
– **Collision Coverage**: Auto-Owners Insurance offers collision coverage, which covers the cost of repairing or replacing your vehicle when you’re involved in an accident. Collision coverage is optional, but it can be helpful if you are involved in an accident.
– **Optional Endorsements**: Auto-Owners Insurance offers several optional endorsements, such as roadside assistance and rental car reimbursement. Roadside assistance can provide help if you have a flat tire, run out of gas, or need a tow. Rental car reimbursement can help cover the cost of a rental car while your vehicle is being repaired after an accident.
– **Discounts**: Auto-Owners Insurance offers several discounts for auto insurance, including a multipolicy discount, which can save you money if you have multiple policies with Auto-Owners Insurance. They also offer discounts for good students, students away at school, and teen driver monitoring.
Life Insurance
Auto-Owners Insurance offers a range of life insurance policies to help protect your loved ones in the event of your death. Here are some details about the life insurance policies offered by Auto-Owners Insurance:
– **Term Life Insurance**: Auto-Owners Insurance offers term life insurance, which provides coverage for a specific period of time, such as 10, 20, or 30 years. Term life insurance is typically the most affordable type of life insurance, and it can provide coverage for a specific period of time when your loved ones may need it the most.
– **Universal Life Insurance**: Auto-Owners Insurance offers universal life insurance, which combines life insurance benefits with the ability to build cash value. Universal life insurance provides flexible premiums and a death benefit that can be adjusted over time. The policyholder can also use the cash value to pay premiums or take out a loan.
– **Whole Life Insurance**: Auto-Owners Insurance offers whole life insurance, which covers your entire life. Whole life insurance policies have a fixed premium and a guaranteed death benefit and build cash value over time. Whole life insurance can be more expensive than term life insurance, but it provides lifelong coverage and can be used as an investment tool.
It’s important to note that life insurance policies can be complex, and choosing the right policy for your needs is important. Auto-Owners Insurance provides resources to help you understand how life insurance works and how to choose the right policy. They also offer personalized services to help you choose the right coverage for your needs.
Business Insurance
Auto-Owners Insurance offers a range of business insurance products to cover all types of businesses, from small-town businesses to large multi-state operations. Here are some details about the business insurance products offered by Auto-Owners Insurance:
– **Commercial Auto Insurance**: Auto-Owners Insurance offers commercial auto insurance to cover your business vehicles, including cars, trucks, and vans. They offer a broad range of discounts to help you save money on your premiums. Commercial auto insurance can cover liability, collision, comprehensive damages, and uninsured and underinsured motorists.
– **Workers’ Compensation Insurance**: Auto-Owners Insurance offers workers’ compensation insurance to cover your employees in case of a work-related injury or illness. Workers’ compensation insurance can cover medical expenses, lost wages, and rehabilitation costs.
– **Bonds**: Auto-Owners Insurance offers several types of bonds, including contract bonds, commercial bonds, and fidelity bonds. Contract bonds can provide financial protection for construction projects, while commercial bonds can provide financial protection for businesses that must comply with licensing and permit requirements. Fidelity bonds can provide financial protection against employee theft and fraud.
– **Additional Coverage Options**: Auto-Owners Insurance offers additional coverage options for businesses, such as property insurance, liability insurance, and crime insurance. They also offer inland marine insurance, which can provide coverage for property that is in transit or stored off-site.
It’s important to note that business insurance policies can be complex, and choosing the right policy for your needs is important. Auto-Owners Insurance provides resources to help you understand how business insurance works and how to choose the right policy. They also offer personalized services to help you choose the right coverage for your needs.
Benefits of working with an independent agent
As an independent insurance agent, Blake Insurance Group offers several benefits regarding Auto-Owners Insurance. Here are some advantages of working with an independent agent:
– **Local Support**: Independent agents are locally based and operate out of their own local insurance agency. This means you can call your agent with a familiar area code rather than a 1-800 number. When you have questions about your policy, you can contact your agent quickly and easily. Customers often share stories about their independent agent being the first on the scene after losing their home. This is why many agents became insurance agents – to help people during hard times.
– **Access to Multiple Insurance Companies**: Independent agents work with various insurance companies to get you the best coverage at the lowest prices. This access to choices can mean lower rates, less restrictive policies, and better coverage. Independent agents can often provide ways to cover potential gaps in coverage using policies that work alongside the insurance you already have. This means you can get a policy that fits your needs and budget.
– **Personalized Customer Service**: Independent agents work for the customer instead of a single company. This is a major advantage when it comes to filing a claim. Insurance claims are complicated, and it’s easy for policyholders to get lost in the process and the technical terms involved. An independent insurance agent is a trained professional working on your behalf, making you more likely to get a fair settlement. Since independent insurance agents aren’t advocates for a single company, they can help you find the best prices without any preference for one company over another. This freedom also allows independent insurance agents to find plans better suited to the needs of their customers.
– **Expertise and Knowledge**: Independent agents are trained professionals who can help you navigate the complex insurance world. They can use their knowledge of companies and policies to steer you in the right direction. Most independent insurance agents work strictly on commission, meaning they get paid a percentage of the premium for your insurance. In those cases, keeping their clients happy is in the agent’s best interest. This means you can trust that your agent has your best interests in mind.
Working with an independent agent like Blake Insurance Group can provide you with several benefits regarding auto-owner insurance. You can get local support, access to multiple insurance companies, personalized customer service, and expertise and knowledge. If you want to learn more about Auto-Owners Insurance and how an independent agent can help you, please contact us today.
– **Customer Reviews**: Auto-Owners Insurance receives relatively strong reviews. The provider earns 4.0 stars out of 5.0 on Google, hinting at great customer service. However, the company receives a much less impressive rating of nearly 1.4 stars out of 5.0 from customers on the BBB, though it does hold an A+ rating and accreditation from the organization. Some customers appreciate the company’s personal connections and helpful representatives, while others complain about disrespectful independent agents and claims adjusters who refuse to cover car damages entirely.
– **Claims Process and Customer Service Experience**: Drivers who had positive experiences with Auto-Owners Insurance mention helpful representatives and a prompt claims process. Auto-Owners Insurance had far fewer than the expected number of complaints about auto insurance to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners. However, the company’s customer satisfaction ratings are mixed. In the 2022 J.D. Power U.S. Auto Insurance Study, auto owners ranked No. 5 out of 11 companies for auto insurance shopping and No. 14 out of 21 companies for auto insurance claims satisfaction.
Auto-Owners Insurance has received numerous customer service and claims management awards, and they are rated A++ (Superior) by the insurance industry credit rating agency, AM Best Company, for their financial stability. They also offer discounts for good students, students away at school, and teen driver monitoring.
Auto-Owners Insurance is a highly-rated insurance company that offers a range of insurance products to meet your needs. They work exclusively through independent agents to provide local, affordable personal service in 26 states. If you are interested in learning more about Auto-Owners Insurance, please contact your local auto owners insurance agent az