 Getting the kids to practice on time. Remembering if it's your day to bring snacks. Making it to the game with a clean jersey. Why are simple things sometimes so complicated? Thankfully, with Auto Owners, insurance doesn't have to be one of them. Auto Owners works with independent agents who answer when you call, so you can worry about more important things, like whether your kid is going to run toward first or third base. That's simple human sense.