You cannot get an Auto-Owners affiliation discount, since Auto-Owners does not offer discounts for members of affiliated companies or organizations, as some other insurance companies do. You can still save on an Auto-Owners car insurance policy with other discounts, however, such as the good student discount, multi-policy discount, or safety feature discount.
If your organization is affiliated with a specific insurer, you may want to consider switching to that insurance company. If not, the best way to find car insurance savings is to compare multiple quotes in order to identify the cheapest policy for your needs.
No, Auto-Owners does not offer a military discount to its customers. Some auto insurance companies, including six of the top 10 providers, do offer discounts that are exclusively available to members of the military community and their eligible family members, but Auto-Owners isn’t one of them.
While Auto-Owners does not offer a military discount, specifically, the company does offer a wide variety of other … read full answerdiscounts that can help drivers save money. To learn more, check out WalletHub’s Auto-Owners review.
You can lower your Auto-Owners car insurance costs by taking advantage of Auto-Owners discounts, opting for a higher deductible, and reducing your coverage, among other things. Auto-Owners considers a variety of factors when calculating your premium, though some – like your age and location – are out of your control. Fortunately, you can take steps to influence other factors in order to lower your rate.… read full answer
How to Lower the Cost of Car Insurance from Auto-Owners
Use Auto-Owners’ auto insurance discounts
Auto-Owners offers a wide variety of discounts that can help you lower your overall car insurance bill. For example, drivers can get a discount of up to 20% if their policy covers a college or high school student who maintains at least a "B" average.
Raise your car insurance deductible
Opting for a higher deductible on any of your insurance policies from Auto-Owners can lower your premium. But if you decide to go this route, it’s important that you choose a deductible amount that you can still afford if you suddenly need to file a claim. Otherwise, you might not be able to use the coverage that you have.
Practicing safe driving habits and avoiding moving violations can help you qualify for lower Auto-Owners insurance rates long-term. You may also be able to attend traffic school in order to remove a violation or points from your record, depending on your state.
Build and improve your credit
Because your credit history is correlated with your likelihood of filing an insurance claim, Auto-Owners uses your credit data to calculate your premium in states where it is legal. As a result, having good credit makes you less of an insurance risk, which will reduce your rates over time.
Whether you can shorten your commute to work, use more public transportation, or even ride a bicycle more, driving fewer miles each year could lower your Auto-Owners premium.
Drive an insurance-friendly car
Expensive cars, sports cars, and cars with high rates of theft are considered to be riskier to insure than cheaper, more practical vehicles. Before you buy a new car, get a new quote from Auto-Owners to see how it will affect your rate. If the cost is out of your budget, then you should probably choose a different car.
Finally, if you’re still struggling to afford your Auto-Owners policy, you should consider switching insurers. Even if you’re not actively looking for a new policy, it’s generally a good idea to compare quotes from three different companies every 6-12 months. To learn more, check out WalletHub’s guide to switching car insurance companies.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by WalletHub. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.