Ways to Save

Multi-Policy Discounts

When Auto-Owners also insures your personal auto or commercial auto, or if you have a life or umbrella insurance policy with us, you are eligible for this discount.

Paid-in-Full Discount

Save more if you pay your annual policy premium in full and on time.  Discount does not apply for escrow direct bill accounts.

Insurance Score Discount

Enjoy savings when you have a good insurance score.

Merit Rating Plan

Be rewarded for having infrequent claims in your insurance history.


We offer several deductible options to fit your needs:

  • Flat Deductible: One single deductible for your policy

  • Split Deductible: Two separate deductibles – Residential and Farm

  • Wind/Hail Deductible: Separate deductible that applies to just wind/hail damage

Advance Quote

A discount is available for new applicants who request a premium quote prior to the effective date of the policy.

How do I get a quote?

Auto-Owners works solely through independent agents to ensure you’re getting the right protection from a skilled professional.

Contact an Agent