About Auto-Owners Insurance
Auto-Owners Insurance is a highly respected insurance company with a long history of serving customers across multiple lines of coverage, including auto, home, life, and business insurance. As a mutual insurance company, it’s owned by policyholders rather than shareholders, which helps ensure strong financial stability and a focus on customer service over profits. Auto-Owners partners with local independent agents — like Holt Insurance Agency — to deliver personalized support and guidance when choosing the right insurance coverage.
Auto-Owners is recognized for its solid reputation, strong financial ratings, and comprehensive policy options that allow drivers and families to protect what matters most.
What Auto-Owners Auto Insurance Covers
Auto-Owners offers customizable auto insurance policies designed to help protect you on the road. Working with our agency, you can tailor coverage to meet your needs — whether you’re a single driver, a family, or a multi-vehicle household. Typical coverages include:
Liability Coverage – Protects you if you cause an accident and need to cover injury or property damage to others.
Collision & Comprehensive – Helps repair or replace your vehicle after accidents, theft, weather damage, or vandalism.
Uninsured/Underinsured Motorist – Provides protection if you’re in an accident with a driver who lacks sufficient coverage.
Medical Payments & Personal Injury Protection (PIP) – Covers medical expenses for you and your passengers after an accident.
Optional Add-Ons – Features like gap coverage, rental reimbursement, diminished value protection, and roadside assistance may also be available depending on your needs and state.
These coverages can help you build a policy that aligns with your budget and protection priorities.
Discounts & Ways to Save
Auto-Owners offers a variety of discount opportunities that could help lower your premium, including:
Multi-policy discounts when you bundle auto with home or other insurance
Good driver discounts for customers with safe driving histories
Paid-in-full and payment history discounts
Other special savings based on policy options and qualifications
Because discounts vary by state and individual eligibility, it’s best to discuss available ways to save with one of our Holt Insurance Agency agents.
Once you have an Auto-Owners policy, you can manage many details through your online Auto-Owners account — submit payments, view policy documents, and track claim status securely online. Setting up your online profile provides fast access to your account anytime.
For all other inquiries, including policy changes and questions, please contact us.
Pay Your Bill
Log in to your online Auto-Owners Account
Call 800-346-0346
Or mail payment to
P.O. Box 30660
Lansing, MI 48917
File A Claim
File a claim with Auto-Owner’s Report a Claim page
Call 800-346-0346
Access Your Policy
Log in to your online Auto-Owners Account to view or obtain copies of your declarations and coverage details
Your Online Account
Setting up your online account is the best way to interact with your insurance carrier.
Set up your online account on Auto-Owner’s website here or download the Auto-Owner’s App.
Why Work with Holt Insurance Agency
Choosing Auto-Owners insurance through Holt Insurance Agency means you get the best of both worlds: the strength and coverage options of a trusted national insurer, paired with the personalized care of a local independent agent. We can help you:
Compare coverage options side-by-side
Customize insurance solutions for your unique needs
Answer questions about policy changes, billing, or claims
Review discounts and savings opportunities
No matter your situation — first-time driver, growing family, or long-time Tennessee resident — we work to make your insurance experience clear, simple, and tailored to you.
Have Questions or Need Help?
If you have additional questions about your Auto-Owners policy, coverage options, billing, or claims, we’re here to help.
📧 service@holtinsuranceagency.com
Contact us any time — whether you’re shopping for a new policy or managing an existing one.