Finding reliable auto insurance coverage has become essential, as it helps drivers protect themselves and their vehicles in case of accidents, theft, or other unforeseen situations. Among the plethora of insurance companies that promise the best deals, TruStage is one name that has gained significant attention in recent years. But is TruStage auto insurance worth considering? Let’s dive deeper into the offerings, features, and customer feedback to provide you with an insightful review.
Who is TruStage?
TruStage is an insurance company that offers a range of insurance products for individuals and families, specializing in life, accidental death & dismemberment (AD&D), health, and auto insurance. Founded in 1935 as a part of the CUNA Mutual Group, they have decades of experience in the industry and primarily serve credit union members. They’ve partnered with the esteemed Liberty Mutual Insurance company for providing auto insurance coverage.
What Does TruStage Auto Insurance Offer?
TruStage Auto Insurance offers a variety of coverage options, ensuring that you can choose a plan that best suits your needs. Some types of coverage include:
- Bodily Injury Liability: Covers medical expenses for others in case you cause an accident.
- Property Damage Liability: Covers damages to the other party’s property in an accident you cause.
- Collision Coverage: Covers damages to your vehicle in the event of an accident, regardless of who’s at fault.
- Comprehensive Coverage: Covers damages to your car caused by incidents other than collisions, such as theft, vandalism, or natural disasters.
- Medical Payments: Covers medical expenses for you and your passengers in the event of an accident.
- Uninsured/Underinsured Motorist Coverage: Provides coverage for you when involved in an accident with an uninsured or underinsured driver.
Discounts
TruStage works to provide savings to their customers in various ways. Some of the discounts offered include:
- Multi-car Discount: Savings for insuring multiple vehicles under one policy.
- Good Student Discount: Discounts for young drivers who maintain good grades in school.
- Safe Driver Discount: Reduced rates for drivers with a clean driving record.
- Anti-Theft Device Discount: Savings for vehicles equipped with anti-theft devices.
Customer Satisfaction and Financial Stability
TruStage as a whole enjoys a high level of customer satisfaction. The company is accredited with an A+ rating from the Better Business Bureau (BBB). It ranks well in customer service, claims handling, and financial stability. However, it’s crucial to remember that the auto insurance is specifically provided in partnership with Liberty Mutual, so it’s essential to consider their reputation as well. Liberty Mutual holds an “A” (Excellent) rating from A.M. Best, which speaks to their financial strength and stability.
Pros and Cons of TruStage Auto Insurance
Pros
- Exclusive Discounts for Credit Union Members: As TruStage primarily serves credit union members, many discounts and deals are tailored for this customer base.
- Partnership with Liberty Mutual: TruStage’s partnership with Liberty Mutual ensures customers receive insurance coverage from a reputable and financially stable insurance provider.
- Range of Coverage Options: TruStage offers various coverage options, ensuring that customers can tailor policies to meet their specific needs.
Cons
- Limited Availability: TruStage auto insurance is primarily designed for credit union members. While they have expanded their offerings beyond this membership, the primary focus and many of the benefits cater to such members.
- Lack of Transparency: TruStage’s website does not provide clear information on coverage limits, pricing, or the claims process for their auto insurance. Customers must contact them directly to obtain detailed information.
Final Verdict
TruStage auto insurance certainly has its advantages, particularly for credit union members. With a range of coverage options and discounts, as well as their partnership with the reliable Liberty Mutual, TruStage offers a compelling option for auto insurance coverage. However, their limited availability and opaque information on coverage details might be a dealbreaker for potential customers seeking an easily understandable and transparent policy. When considering TruStage auto insurance, gather all the information, weigh the pros and cons, and compare it with other insurance providers before making a decision.