What Discounts Does Auto-Owners Offer?

Yes, Auto-Owners has a multi-car discount. To qualify for the Auto-Owners multi-car discount, a customer must insure two or more private passenger vehicles on the same Auto-Owners auto insurance policy. The discount automatically applies to a qualifying Auto-Owners policy, but it does not compound, meaning you won't get a bigger discount for insuring more vehicles.

In addition to Auto-Owners' multi-car discount, the company offers other ways for customers to save money on their premiums, such as the multi-policy discount, safety feature discount, and good student discount, among others. For more information, check out the complete list of Auto-Owners discounts. And if you're unsure whether a discount that you qualify for is being applied to your policy, you can contact Auto-Owners by calling 1 (517) 323-1200.

Auto-Owners does not offer a specific marriage discount, which is typical among major insurance companies. Auto-Owners also charges married drivers rates that are similar to what single drivers pay, which is less common.

In general, married couples pay around 9% less for car insurance than single drivers because they're less likely to file a claim. Auto-Owners is a rare exception, though.  

To get a Auto-Owners quote, you can find a local agent or call 1-800-346-0346.

Auto-Owners does not advertise a safe driver discount. The closest thing Auto-Owners has to a safe driver discount is TrueRide, the company's telematics program, which tracks driving habits like braking and acceleration, and rewards safe drivers with a discount. However, TrueRide is currently only available in Ohio.

If you can't sign up for TrueRide, Auto-Owners offers other ways for you to save on your premium. For example, drivers can get a multi-vehicle discount by insuring more than one car on their policy.   

To learn more, check out WalletHub's guide to Auto-Owners discounts.

Yes, Auto-Owners offers a defensive driving course discount, but only in states that legally mandate it. Thirty-four states and the District of Columbia require insurance companies to provide a defensive driving discount to eligible drivers, though exact discount amounts and requirements vary.

If Auto-Owners does not offer a defensive driving discount in your state, you should still consider taking a course. By going to traffic school, you can learn how to better avoid at-fault accidents and moving violations, which would increase your Auto-Owners premium. In some states, defensive driving courses can even reduce points on your license or prevent a moving violation from going on your record.

To learn more, check out WalletHub's guide to Auto-Owners discounts.

Auto-Owners does not offer a good driver discount, unlike most other major insurers. Drivers with clean records will typically be charged a lower rate for coverage, but they will not receive a specific discount amount.

Even though Auto-Owners does not have a good driver discount, you can see if you qualify for other discounts that they offer. For example, Auto-Owners offers a multi-vehicle discount for drivers who want to insure more than one vehicle on their policy.

To learn more, check out WalletHub's guide to Auto-Owners discounts.

No, Auto-Owners does not offer a low mileage discount. In addition to not offering a specific discount for low mileage, Auto-Owners premiums aren't even lower for customers who drive fewer miles than average, despite low mileage drivers generally being considered low risk.

The closest thing Auto-Owners has to a low mileage discount is a usage-based insurance program called TrueRide. TrueRide tracks mileage and other driving habits, such as speed, braking, acceleration, and distracted driving.

To learn more, check out WalletHub's guide to Auto-Owners discounts.

No, Auto-Owners does not offer a new car discount, unlike three of the 10 largest car insurance companies. But policyholders can still find other ways to lower their Auto-Owners premium, such as by taking advantage of their safety feature discount, multi-car discount, or multi-policy discount.

For more information about saving on your insurance, check out WalletHub's complete guide to Auto-Owners discounts.

Auto-Owners does not disclose how much customers can save with its multi-policy discount. The Auto-Owners multi-policy discount is meant to reward policyholders for their loyalty to the company, and customers can qualify by purchasing car insurance as well as another qualifying insurance policy from Auto-Owners. The company usually applies the multi-policy discount automatically, but policyholders can always call customer service to ask if the discount has been added to their account.

Besides the multi-policy discount, Auto-Owners offers several other ways for customers to save. For instance, policyholders can take advantage of a multi-car discount. Other discounts include good student, payment history and safety feature discounts.

For more information about how to save on your policy, check out WalletHub's guide to Auto-Owners car insurance discounts.

Auto-Owners offers a defensive driving discount in 34 states and the District of Columbia for seniors who complete an approved defensive driving course. Specific age requirements vary, and the discount is only available in states that legally mandate it.

Even if Auto-Owners doesn't offer a mature driver discount in your state, there are still other ways for you to lower your premium. For example, Auto-Owners offers a safety feature discount, which gives a discount to drivers who have vehicles equipped with certain safety features, such as anti-lock brake systems, airbags, or anti-theft devices.

To learn more, check out WalletHub's guide to Auto-Owners discounts.

Auto-Owners is so cheap because the company offers a wide variety of discounts that almost anyone can get. A minimum coverage policy from Auto-Owners costs an average of $40 per month, and Auto-Owners premiums can be made even cheaper by taking advantage of discounts such as paid-in-full discount and paperless discount. Plus, Auto-Owners rewards customer loyalty with discounts for insuring more than one car and bundling multiple policies, such as home and auto.

Average Monthly Rates for Auto-Owners vs. Top Competitors

Note: Premiums are representative of a 45-year-old good driver in IL; individual premiums will vary.

Auto-Owners is especially cheap for safe drivers in particular. That's because Auto-Owners has special savings opportunities for drivers in this category, such as discounts for having a history of not filing many claims.

Your final premium is based on a variety of factors, though, such as your driving record, insurance history, and more. Every insurance company determines their rates differently, so even though Auto-Owners is among the cheapest car insurance companies, the only way to confirm you've found the lowest price is to compare quotes from multiple companies.

To learn more, check out WalletHub's review of Auto-Owners and see Auto-Owners' full profile.