Farm Coverages Ways to Save
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 or semi-annual policy premium in full and on time.

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