Get the Coverage You Need with Auto-Owners Insurance in Columbia, MO

If you’re looking for reliable insurance in Columbia, MO, Auto-Owners Insurance is a great option. With over 100 years of experience, Auto-Owners provides personalized coverage and exceptional service. This article will provide an in-depth look at Auto-Owners Insurance in Columbia, MO – the types of insurance offered, customer service, claims process, discounts available, and more.

Overview of Auto-Owners Insurance

Founded in 1916, Auto-Owners Insurance is a Fortune 500 company providing auto, home, life, and business insurance. They are headquartered in Lansing, MI but serve over 26,000 independent agents across 26 states.

Some key facts about Auto-Owners:

• Rated “A++” (Superior) for financial strength by AM Best
• Over 6,500 employees
• More than 6,400 independent agents
• Over $10 billion in written premium
• Consistently high customer satisfaction scores

Auto-Owners attributes its success to sticking to its core values of excellence, charitable giving, and community involvement. Their local agent model enables personalized service for each customer.

Insurance Products Offered by Auto-Owners

Auto-Owners Insurance in Columbia, MO provides all major types of insurance coverage:

Auto Insurance

• Liability – Bodily injury and property damage liability
• Comprehensive – Protection against theft, vandalism, weather, fire and more
• Collision – Covers damage from colliding with an object
• Uninsured/Underinsured – Covers injuries from an at-fault uninsured or underinsured driver
• Medical Payments – Pays medical expenses for you and passengers
• Rental Reimbursement – Pays for a rental car while yours is in the shop
• Roadside Assistance – Pays for towing, flat tire change, locksmith, and more

Home Insurance

• Dwelling Protection – Pays to repair or rebuild your home
• Personal Property – Replaces stolen or damaged possessions
• Loss of Use – Pays additional living expenses if home is uninhabitable
• Personal Liability – Protects against liability for injuries or damage to others
• Medical Payments – Covers medical expenses for someone injured on your property

Life Insurance

• Term Life – Provides coverage for a set period of time
• Whole Life – Provides lifelong coverage
• Universal Life – Offers flexible and adjustable coverage

Business Insurance

• Property – Protects company property against damage and loss
• General Liability – Protects against liability claims
• Commercial Auto – Covers vehicles used for business
• Umbrella – Provides additional liability coverage
• Workers’ Compensation – Covers injuries employees sustain on the job

Customer Service and Claims Handling

Auto-Owners Insurance is known for providing excellent customer service. If you have any questions or issues, you’ll work directly with your local independent agent in Columbia, MO.

Your agent will guide you through the claims process if you need to file one. Auto-Owners handles over 2 million claims per year. They aim to settle claims quickly and fairly.

Here’s an overview of how their claims process works:

• Report your claim to your agent or to Auto-Owners directly via phone, online, or mobile app
• An adjuster will be assigned to investigate your claim
• The adjuster will contact you to discuss damage/injuries and arrange inspections if needed
• Once liability is determined, the adjuster will make a settlement offer
• Auto-Owners will issue payment once you accept the offer
• For major claims, the payment may be issued in installments

Auto-Owners has a network of inspectors, auto repair shops, medical providers, and contractors available to help facilitate and expedite the claims process.

Discounts Available from Auto-Owners

Auto-Owners offers a number of discounts that can potentially lower your insurance premium:

• Multi-policy – Bundles home and auto insurance policies
• Multi-car – Insures two or more cars on the same policy
• Good student – Full-time students under 25 who maintain a B average or higher
• Student away – Full-time students living away from home
• Driver training – Teen drivers who complete approved safety courses
• Anti-theft – Vehicles with anti-theft or disabling devices installed
• Affinity membership – Members of approved organizations like AAA and AARP
• Homeowner – Policyholders who also own a home
• Renewal – Loyalty discount for being continuously insured by Auto-Owners
• Paperless – Sign up for paperless billing and documents online
• Paid-in-full – Pay full 6-month or 12-month premium upfront

Make sure to ask your Auto-Owners Insurance agent in Columbia about discounts you may qualify for to save money on your policy.

Why Choose an Independent Agent in Columbia, MO

Auto-Owners sells its insurance products through local independent agents. Here are some key benefits of working with an independent agent:

• Local expertise – Agents have in-depth knowledge of Columbia, MO specifically.

• Choice of insurer – Independent agents offer insurance from multiple companies, allowing you to choose what fits your needs.

• Personalized service – Agents will get to know you and provide customized recommendations.

• Policy guidance – Agents explain coverages and ensure you have the right policies in place.

• Ongoing support – You’ll have someone to call with questions and policy changes.

• Claims assistance – Agents help facilitate and expedite the claims process.

• Trusted advisor – A good agent acts as an advisor looking out for your best interests.

Auto-Owners Insurance in Columbia, MO

To find a local Auto-Owners Insurance agent in Columbia, MO, you can call their corporate office at (517) 323-1200 or visit their website at www.auto-owners.com.

Here are a few top-rated independent agents in Columbia representing Auto-Owners:

Meylan Insurance Agency

Address: 2900 Falling Leaf Ct #101, Columbia, MO 65201

Phone: (573) 449-6101

Google Rating: 4.9 out of 5 stars

Mark Wessler – State Farm Insurance Agent

Address: 1010 Fay St, Columbia, MO 65201

Phone: (573) 256-1414

Google Rating: 5 out of 5 stars

Shelter Insurance – Greg Gaines

Address: 1709 Chapel Plaza Ct # A, Columbia, MO 65203

Phone: (573) 446-3400

Google Rating: 4.5 out of 5 stars

The Benefits of Insuring with Auto-Owners

Choosing Auto-Owners Insurance for your insurance needs in Columbia, MO provides many benefits:

• Financial strength – 100+ years in business with an A++ rating from AM Best

• Local agents – A neighborhood agent provides personalized service

• Quality coverage – Broad insurance products to meet all your needs

• Superior claims service – Highly rated claims handling gets you back on your feet quickly

• Competitive pricing – Independent agents shop to find you the best value

• Policy discounts – Take advantage of discounts to lower your premium

• Reputation for excellence – Auto-Owners is known for customer and community focus

• Convenience – Manage your policies, pay your bill, and file claims online or via mobile app

So for an insurance provider you can trust to protect what’s most important to you, choose Auto-Owners Insurance in Columbia, MO. Reach out to a local agent today to discuss your insurance needs.

Frequently Asked Questions

Does Auto-Owners just sell auto insurance?

No, Auto-Owners provides complete insurance protection. They sell auto, home, life, business, and specialty insurance policies.

How long has Auto-Owners been in business?

Auto-Owners has over 100 years of experience, formed in 1916 and headquartered in Lansing, MI. They are a Fortune 500 company.

What is Auto-Owners AM Best rating?

Auto-Owners has the highest possible rating from AM Best – A++ (Superior) – reflecting their strong financial performance.

Does Auto-Owners have local agents?

Yes, Auto-Owners sells insurance exclusively through local independent agents in the communities they serve.

How do I file an Auto-Owners insurance claim?

You can report a claim by contacting your independent insurance agent or calling Auto-Owners directly. You can also file a claim 24/7 online or via their mobile app.

Does Auto-Owners offer any policy discounts?

Yes, Auto-Owners provides