Auto-Owners Insurance

Yes, Auto-Owners does offer free towing for customers who have the company's roadside assistance coverage, though the company does not specify a towing mileage limit on its website and says that limits vary by policy. Auto-Owners roadside assistance generally costs about $60 per year. Customers can request Auto-Owners roadside assistance online, or they can call 1-888-869-2642.

Auto-Owners Roadside Assistance Covers:

• Towing services
• Jump starts
• Flat tire change
• Emergency fuel delivery
• Lockout services

While roadside assistance from Auto-Owners Insurance covers towing and other services, it doesn't cover the cost of repair parts, replacement keys, or major fixes due to things like engine failure or structural damage.

Yes, Auto-Owners has glass coverage for customers with comprehensive insurance. Auto-Owners customers can file a glass claim under their comprehensive coverage if their windshield was damaged due to something besides an accident, such as an animal, a weather event, or vandalism. If the windshield was damaged in a crash, drivers can file a claim with their collision insurance if they were at fault or with the at-fault driver's liability coverage.

Fixing a cracked or chipped windshield is important for safety reasons, since damaged windshields can obstruct a driver's vision and weaken the car's frame. But if the damage is minor, you might be able to have your windshield repaired rather than replaced. A general rule of thumb is that windshields can be repaired if there is a chip smaller than a quarter or a crack smaller than a dollar bill.

To encourage customers to drive safely, Auto-Owners waives the comprehensive deductible for windshield repairs. Several states also have specific laws about car insurance deductibles for windshield repairs and replacement.

State Laws on Deductibles for Glass Coverage

• Florida, Kentucky, and South Carolina require companies to waive the deductible for both windshield repair and replacement.

• Kentucky and South Carolina require companies to waive the deductible for all auto glass that you can see out of, not just the windshield.

• Arizona, Connecticut, Massachusetts, Minnesota, and New York require insurers to offer customers the option of a $0 glass deductible plan. This option is often referred to as full glass coverage.

If you don't live in one of these states, you will likely have to pay your comprehensive deductible in order for your windshield to be completely replaced. You can check with Auto-Owners if you're unclear about your policy details or your state's laws. For more information, check out WalletHub's guides to comprehensive and windshield insurance.

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.