Auto-Owners vs Lemonade Car Insurance for 2023
A comparison of Auto-Owners and Lemonade car insurance policies, pricing, and customer satisfaction to help you choose the right coverage for you.
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Melanie Musson
Published Insurance Expert
Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...
Published Insurance Expert
UPDATED: Apr 5, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Apr 5, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Auto-Owners and Lemonade are two well-known car insurance companies that offer different types of insurance policies to customers across the United States. In this review, we’ll compare Auto-Owners car insurance and Lemonade car insurance, highlighting their unique features, services, and costs.
Bullet Points
Here are some interesting attributes of both Auto-Owners and Lemonade that make them stand out:
Auto-Owners:
- Has a strong financial rating with an A++ rating from A.M. Best
- Offers a wide range of discounts, including safe driving, multiple vehicles, and student discounts
- Provides customizable coverage options for policyholders
Lemonade:
- Uses advanced technology to provide instant coverage for customers
- Offers a unique policy model that allows policyholders to choose how much coverage they want
- Gives back to the community by donating unused premium dollars to charity
Introduction
Choosing the right car insurance company is an important decision that can impact your life in many ways. That’s why it’s essential to compare and contrast different providers to find the best option for your needs. In this article, we’ll examine two of the most popular car insurance companies, Auto-Owners and Lemonade, and see which one comes out on top in terms of their history, products and services, cost, and customer reviews.
History and Mission
Auto-Owners Insurance was founded in 1916 by Vern V. Moulton in Michigan. Since then, the company has expanded to provide various types of insurance coverage across the country, including car, home, and life insurance. Auto-Owners has a mission to provide “peace of mind” to its customers by offering high-quality insurance coverage and personalized service.
Lemonade Insurance, on the other hand, was founded in 2015 and is a relatively new player in the insurance industry. However, the company has gained recognition for its unique business model that uses advanced technology to offer affordable and customizable insurance policies. Lemonade’s mission is to make insurance more accessible, affordable, and enjoyable for customers by simplifying the insurance process and putting their needs first.
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Products and Services
Auto-Owners offers a wide range of car insurance coverage options, including liability, collision, comprehensive, personal injury protection, and uninsured/underinsured motorist coverage. They also provide add-ons such as roadside assistance, rental car coverage, and glass coverage. Auto-Owners has a reputation for offering customizable coverage options that allow policyholders to tailor their coverage to their specific needs.
Lemonade offers a different type of car insurance policy that provides flexible coverage options. They use advanced technology to create policies that are simple and straightforward, and customers can choose how much coverage they want. The company offers liability coverage, collision coverage, and comprehensive coverage. Lemonade also provides add-ons such as rental car coverage and roadside assistance.
Cost
When it comes to cost, Auto-Owners and Lemonade offer competitive prices for their respective policies. Auto-Owners typically charges higher premiums for its policies, but they do offer various discounts that can help lower the cost for policyholders. Lemonade’s unique policy model allows customers to choose how much coverage they want and pay only for what they need, which can result in lower premiums.
Discounts
Auto-Owners offers various discounts to its customers, including safe driver discounts, multiple vehicle discounts, good student discounts, and more. Policyholders can also receive discounts for paying their premiums in full or for using electronic funds transfer (EFT) to make payments.
Lemonade also provides various discounts to its policyholders. Customers can receive discounts for bundling their policies, choosing a higher deductible, or for referring their friends to Lemonade. Additionally, Lemonade donates unused premium dollars to charity, which
When it comes to discounts, Auto-Owners offers a variety of options that can help customers save on their premiums. Some of the most notable discounts include:
- Multi-policy discount: If you have more than one policy with Auto-Owners (such as home and auto insurance), you may be eligible for a discount.
- Safe driver discount: If you maintain a good driving record, you could qualify for a discount on your car insurance.
- Paid-in-full discount: If you pay your policy in full upfront, you could receive a discount.
- Teen driver discount: If you have a teenager on your policy who maintains good grades or completes a driver’s education course, you may be eligible for a discount.
Customer Reviews
When it comes to customer reviews, Auto-Owners has a strong reputation for customer service and claims handling. The company has an A+ rating from the Better Business Bureau and has received numerous industry awards for customer satisfaction.
One of the main criticisms of Auto-Owners is that the company is only available in 26 states, which can be limiting for customers who don’t live in those areas.
Lemonade
Lemonade is a relatively new player in the car insurance industry, having been founded in 2015. The company has made a name for itself by offering affordable rates, innovative technology, and a commitment to social good.
Cost and Availability
Lemonade is known for offering competitive rates, with some customers reporting savings of up to 50% compared to traditional insurance companies. However, the company is only available in select states, so it may not be an option for everyone.
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FAQs
Q: How can I get a quote from Auto-Owners or Lemonade?
A: Both companies offer online quote tools that allow you to get a quote quickly and easily.
Q: Does Auto-Owners offer roadside assistance?
A: Yes, Auto-Owners offers roadside assistance as an optional add-on to its car insurance policies.
Q: How can I file a claim with Lemonade?
A: You can file a claim with Lemonade through the company’s app or website.
Q: What is Lemonade’s Giveback program?
A: Lemonade’s Giveback program donates any unclaimed premiums to charitable causes chosen by its customers.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Melanie Musson
Published Insurance Expert
Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...
Published Insurance Expert
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.