Auto-Owners vs Clearcover Car Insurance for 2023

If you’re in the market for car insurance, you’ve likely come across Auto-Owners car insurance and Clearcover car insurance as potential options. Both companies offer unique benefits and services, but which one is the right choice for you? In this review, we’ll compare Auto-Owners and Clearcover car insurance for 2023 to help you make an informed decision. Here are three interesting attributes of each company to get started:

Auto-Owners Insurance:

• Auto-Owners has been in business for over 100 years, making them one of the oldest insurance companies in the US.
• They offer a wide variety of insurance products, including home, auto, and business insurance.
• Auto-Owners is known for its exceptional customer service and claims handling.

Clearcover Insurance:

• Clearcover is a relatively new player in the insurance market, founded in 2016.
• They offer a completely digital platform for managing your insurance, including policy management and claims.
• Clearcover’s focus on technology allows them to offer more affordable rates than traditional insurance companies.

Now that you have an idea of what each company has to offer, let’s dive deeper into their histories, products, discounts, and customer reviews.

Company History and Mission

Auto-Owners Insurance was founded in 1916 by Vern V. Moulton in Mount Pleasant, Michigan. Today, they are headquartered in Lansing, Michigan and have over 6,300 employees. Their mission is to provide “peace of mind to their policyholders by providing quality insurance products and exceptional service.”

Clearcover Insurance was founded in 2016 by Kyle Nakatsuji and Derek Brigham in Chicago, Illinois. They currently operate in 16 states and have plans to expand in the future. Clearcover’s mission is to “create smarter car insurance for the modern driver.”

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Products and Services

Auto-Owners Insurance offers a wide range of insurance products, including home, auto, life, business, and umbrella insurance. Their auto insurance policies include liability, collision, comprehensive, and uninsured/underinsured motorist coverage. They also offer a variety of optional coverages, such as rental reimbursement and roadside assistance. Auto-Owners policies are customizable, so you can choose the coverage that best fits your needs. Auto-Owners operates in 26 states.

Clearcover Insurance offers auto insurance policies in 16 states. Their policies include liability, collision, comprehensive, and uninsured/underinsured motorist coverage. They also offer roadside assistance as an optional coverage. Clearcover’s policies are completely digital, which allows them to offer more affordable rates than traditional insurance companies.

Cost and Discounts

Auto-Owners Insurance does not provide quotes online. To get a quote, you must contact an agent. However, they do offer several discounts to help lower the cost of your policy. Some of these discounts include multi-policy, multi-car, good student, and safe driver discounts.

Clearcover Insurance provides quotes online. They offer a variety of discounts, including bundling, good driver, homeowner, and safety feature discounts. They also offer a unique discount called the “Effortless Experience Discount.” This discount is applied to policies that have been continuously active for 12 months or longer with no policy changes.

Case Studies: Auto-Owners vs Clearcover Car Insurance

Case Study 1: Efficient Claims Processing

Mr. Anderson, a policyholder with Auto-Owners, experienced efficient claims processing after his vehicle was involved in an accident. Auto-Owners promptly initiated the claims handling, assessed the damages in a timely manner, and provided swift compensation. Mr. Anderson appreciated the speed at which his claim was processed.

Case Study 2: User-Friendly Digital Experience

Ms. Ramirez, a Clearcover Car Insurance policyholder, found the digital experience provided by Clearcover to be user-friendly and convenient. She was able to manage her policy, file claims, and access important documents easily through the Clearcover mobile app or website.

Case Study 3: Comprehensive Coverage Options

In a case involving Auto-Owners and Clearcover Car Insurance, both policyholders benefited from comprehensive coverage options. Whether it was protecting against accidents, theft, or other unforeseen events, both companies offered policies with comprehensive coverage, ensuring the policyholders had the necessary protection.

Case Study 4: Transparent Policy Pricing

Mrs. Thompson, an Auto-Owners policyholder, appreciated the transparent policy pricing offered by the company. Auto-Owners provided clear information about premiums, deductibles, and coverage options, enabling Mrs. Thompson to make informed decisions about her car insurance policy.

Case Study 5: Competitive Rates

Mr. Patel, a Clearcover Car Insurance policyholder, found the rates offered by Clearcover to be highly competitive. Clearcover’s digital-first approach allowed them to streamline operations and pass the savings on to policyholders, providing Mr. Patel with affordable coverage.

Case Study 6: Personalized Policy Management

Ms. Johnson, an Auto-Owners policyholder, valued the personalized policy management options offered by the company. Auto-Owners allowed Ms. Johnson to customize her policy limits, deductibles, and additional coverage options to align with her specific needs and preferences.

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Customer Reviews

Auto-Owners Insurance has an A+ rating from the Better Business Bureau and a 4.5-star rating on Trustpilot. Customers rave about Auto-Owners’ exceptional customer service and claims handling.

Clearcover Insurance has a 4.8-star rating on Trustpilot. Customers appreciate Clearcover’s affordable rates and easy-to-use digital platform. However, some customers have reported issues with claims handling.

FAQ

Q: What states are Auto-Owners and Clearcover car insurance available in?

A: Auto-Owners car insurance is available in 26 states, including Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nebraska, North Carolina, North Dakota, Ohio, Pennsylvania, South Carolina, South Dakota, Tennessee, Utah, Virginia, and Wisconsin. Clearcover car insurance is currently available in 16 states, including Arizona, California, Georgia, Illinois, Indiana, Louisiana, Maryland, Missouri, Nebraska, Ohio, Oklahoma, Pennsylvania, Texas, Utah, Virginia, and Wisconsin.

Q: What types of discounts do Auto-Owners and Clearcover offer?

A: Auto-Owners offers a variety of discounts, including multi-policy, good student, multiple vehicles, paid-in-full, and more. Clearcover offers discounts for bundling auto and renters insurance, as well as for driving safely and maintaining a clean driving record.

Q: How do I qualify for discounts with Auto-Owners and Clearcover?

A: To qualify for discounts with Auto-Owners, you may need to meet certain criteria, such as having multiple policies with the company, maintaining a good driving record, or insuring multiple vehicles. To qualify for Clearcover discounts, you will need to maintain a clean driving record, bundle auto and renters insurance, or use the Clearcover mobile app to track your driving habits.

Q: How do I file a claim with Auto-Owners and Clearcover?

A: Auto-Owners policyholders can file a claim online, by phone, or through the company’s mobile app. Clearcover also offers an easy online claims process, which allows you to file a claim and track its progress from your computer or mobile device.

 

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