Finding the right auto insurance that fits both your budget and coverage needs can be challenging. When considering options, TruStage is one provider that offers exclusive member discounts to credit union members.
This post about TruStage auto insurance review covers what you need to make an informed decision. We will explore TruStage’s financial strength, available coverage options, cost of insurance, customer service ratings, claims satisfaction, and more.
Overview of TruStage Auto Insurance
TruStage acts as a broker and supplies insurance policies underwritten by Liberty Mutual and Esurance. Both companies back TruStage’s offerings with strong industry standing.
Qualifying credit union members can tap into special discounts through the TruStage Insurance Agency and potentially save hundreds per year. But you’ll generally want to compare quotes against other top insurers to find the best rate.
What Auto Insurance Coverage Does TruStage Offer?
You’ll have access to extensive policy options for protecting your vehicle through TruStage.
Available Coverage Types Include:
- Bodily Injury Liability
- Property Damage Liability
Liability insurance covers damages that you cause to others in an at-fault accident. Minimum state limits often start around $25,000 per injured person or $50,000 per accident. But accidents can easily exceed those limits these days. Many customers opt for 100/300/100 coverage ($100k per person, $300k per accident, $100k property damage) for better protection.
Collision and Comprehensive
- Collision: Covers repair or replacement costs if you collide with an object like another car or a telephone pole.
- Comprehensive: Protects against vehicle damage from incidents other than collisions, including fire, hail, vandalism, hitting an animal, and theft.
Uninsured/Underinsured Motorist (UM/UIM)
Covers injuries to you or your passengers if you’re hit by a driver who doesn’t have sufficient insurance coverage.
Covers medical treatment costs from an accident for the policyholder as well as passengers. Helps protect you if health insurance refuses payment.
Personal Injury Protection (PIP)
Provides coverage for medical bills, lost wages from missed work, household expenses, and funeral costs to the policyholder and occupants after an accident, regardless of fault. It may overlap with health insurance and other coverage though.
Other nice-to-have upgrades include new car replacement, accident forgiveness, roadside assistance, rental reimbursement, and more.
Bundling your auto with homeowners or renter’s insurance could also qualify you for a multi-line discount with TruStage.
Discounts Drivers Earn on TruStage Auto Insurance
TruStage offers exclusive member savings through participating credit unions. Discounts are applied automatically when you get a quote as long as you have a qualifying credit union membership.
Some discounts come directly from Liberty Mutual and Esurance based on your driving history, vehicle safety features, and more. For example:
- Safe driving discount
- Good student discount
- Anti-theft device discounts
- Pay-in-full discount
- Paperless documents discount
- Multi-policy discount
Bundling TruStage insurance products like adding homeowners’ or renter’s insurance along with your auto policy could maximize savings.
TruStage Auto Insurance Cost Per Month
With so many variables impacting premiums, TruStage rates run the gamut from around $100 per month to $200+ monthly for some drivers. Average national annual premiums give a basic benchmark:
|Average Annual Premium Per Vehicle
But remember that your personal quotes depend on factors like:
- Driving and credit history
- Type of vehicle
- Coverage limits and deductibles
Ensure you compare quotes from a few top insurers, this gives you better context for judging TruStage’s pricing.
An insurer’s financial strength gives you confidence that the company can pay out claims without issue. TruStage scores well for financial standing, even in worst-case disaster scenarios:
- A.M. Best: A (Excellent) financial strength rating for TruStage’s parent company CUNA Mutual Group
- Moody’s: A2 (Good) rating assessing TruStage as stable with solid flexibility
These high independent ratings indicate excellent long-term financial stability for TruStage Auto to uphold promises to policyholders.
Here are a few factors to consider when evaluating Trustage or any auto insurance company:
Trustage may offer competitive pricing and discounts compared to some other insurers, but pricing can vary widely based on location, driving history, type of vehicle insured, coverage limits, and more. Comparing quotes is the best way to determine if they offer good value.
Review the types of coverage available as well as coverage limits and deductibles to ensure they meet your needs. Look at options like collision, comprehensive, uninsured motorist, etc.
Customer service and claims satisfaction
Research online reviews and complaints data to see customers’ experiences with the claims process and customer service. How quickly and fairly do they resolve claims? How helpful and accessible is their staff?
Selecting an established insurer with strong financial ratings can be important for ensuring they can pay out claims. Review Trustage’s ratings from agencies like A.M. Best.
Without doing your own thorough research, it’s impossible to say conclusively if their insurance is “good.” The right insurance depends heavily on your specific situation and needs.
The Pros and Cons of TruStage Auto Insurance
What we like about TruStage auto insurance:
- Access to member-exclusive discounts through participating credit unions
- Reputable national insurers (Liberty Mutual and Esurance) behind policies
- Plenty of available discounts beyond just credit union savings
- Strong financial standing
- Packages available for bundling home/renter’s insurance
Potential downsides to consider:
- Claims satisfaction could be better
- Mixed reviews for customer service
- Pricing unlikely to beat budget insurers like GEICO and Progressive
- Credit union membership is required for the best rates
For the right driver, TruStage could be a cost-effective route to solid coverage. But it ultimately comes down to how they stack up to competitors in your area on price and service.
TruStage delivers quality auto insurance backed by Liberty Mutual and Esurance. Customer and claims reviews show room for improvement. But they balance that with comprehensive policies, financial strength, and special savings for credit union members.
Drivers who belong to an eligible credit union and want the convenience of packaging their home/auto with an insurer tied to their financial institution may appreciate TruStage the most. Just be sure to verify that TruStage offers competitive pricing compared to alternatives in your state before making a decision.