TruStage Auto Insurance: A Legit Option for Credit Union Members
If you are looking for a reliable and affordable car insurance provider, you may have come across TruStage Auto Insurance.
TruStage is a company that offers various types of insurance products, including life, health, home, and auto insurance.
But what makes TruStage different from other insurers? And is TruStage Auto Insurance legit?
In this post, we will answer these questions and provide you with some background information on TruStage, its auto insurance coverage, discounts, ratings, and reviews. We will also compare TruStage with some of its competitors and help you decide if TruStage Auto Insurance is the right choice for you.
What is TruStage?
TruStage is a brand of insurance products and programs that are made available to credit union members through the TruStage Insurance Agency, LLC. TruStage was founded in 2011 as a part of CUNA Mutual Group, a financial services company that has been serving credit unions and their members since 1935.
TruStage’s mission is to provide simple, straightforward, and affordable insurance solutions to credit union members. TruStage works with reputable insurance companies, such as Liberty Mutual, Esurance, and CMFG Life, to offer a variety of insurance products, such as:
- life insurance: Term, whole, and guaranteed acceptance life insurance policies that can help protect your family’s financial future.
- Health insurance: Health insurance plans that can help you pay for medical expenses, such as doctor visits, prescriptions, hospital stays, and more.
- Home insurance: Homeowners, renters, and condo insurance policies that can help you protect your home and personal belongings from fire, theft, vandalism, and other perils.
- Auto insurance: Car insurance policies that can help you cover the costs of repairing or replacing your vehicle, as well as paying for medical bills, legal fees, and other expenses if you are involved in an accident.
What does TruStage Auto Insurance offer?
TruStage Auto Insurance is a car insurance program that is offered to credit union members through Liberty Mutual, one of the leading auto insurers in the U.S. Liberty Mutual has been in business since 1912 and has an A rating from A.M. Best, a credit rating agency that evaluates the financial strength and stability of insurance companies.
TruStage Auto Insurance offers the basic coverage that you would expect from any car insurance provider, such as:
- Liability coverage: This covers the damages and injuries that you cause to other people and their property if you are at fault in an accident.
- Collision coverage: This covers the damages to your own vehicle if you are involved in a collision with another vehicle or object.
- Comprehensive coverage: This covers the damages to your own vehicle from non-collision events, such as fire, theft, vandalism, hail, flood, and animal strikes.
- Medical payments coverage: This covers the medical expenses for you and your passengers if you are injured in an accident, regardless of who is at fault.
- Uninsured/underinsured motorist coverage: This covers the damages and injuries that you suffer if you are hit by a driver who has no insurance or not enough insurance to pay for your losses.
In addition to the basic coverage, TruStage Auto Insurance also offers some optional and unique features that can enhance your protection and peace of mind, such as:
- Accident forgiveness: This prevents your premium from increasing due to your first accident, as long as you have been accident-free for five years prior to the incident.
- Better car replacement: This replaces your totaled car with a newer one that is one model year newer and has 15,000 fewer miles than your original car.
- Lifetime repair guarantee: This guarantees the quality of the repairs done by Liberty Mutual’s network of approved repair shops for as long as you own your car.
- 24/7 roadside assistance: This provides you with emergency assistance if your car breaks down, runs out of gas, gets a flat tire, or needs a jump start, tow, or lockout service.
How much does TruStage Auto Insurance cost?
The cost of TruStage Auto Insurance depends on various factors, such as your age, gender, driving history, credit score, vehicle type, location, coverage limits, deductibles, and discounts.
According to ValuePenguin, a website that provides financial information and analysis, the average monthly premium for TruStage Auto Insurance is $157 for full coverage and $67 for minimum coverage. However, these are only estimates and may not reflect your actual rates.
To get a personalized quote from TruStage Auto Insurance, you need to enter your ZIP code on their website and provide some basic information about yourself and your vehicle. You can also call a Liberty Mutual agent to get more details and assistance.
Trustage Auto Insurance Contact Information
There are different ways to contact TruStage Auto Insurance, depending on your needs and preferences. Here are some of the options:
- You can send a message to TruStage for policyholders by filling out an online form on their website. You will need to provide your name, email address, phone number, policy number (optional), and your question or comment. You can also log in or create an account to manage your policy online.
- You can call TruStage directly at 1-888-977-3752 to speak to a customer service representative. This option is recommended for immediate attention to your active policy.
- You can mail a payment or correspondence to TruStage at different addresses, depending on the type of policy you have. For example, if you have an Accidental Death and Dismemberment policy, you can mail your payment to CMFG Life Insurance Company, PO Box 4651, Carol Stream, IL 60197-4651.
- You can get a quote for TruStage Auto Insurance through Liberty Mutual Insurance Company by entering your ZIP code on their website. You can also connect with an agent to learn more about coverage and discounts.
What discounts does TruStage Auto Insurance offer?
One of the benefits of buying auto insurance through TruStage is that you may be eligible for a discount just for being a credit union member.
The amount of the discount varies depending on your location and credit union, but it is typically around 5%. This means that you can save up to $700 a year on car insurance by switching to TruStage Auto Insurance.
Besides the credit union discount, TruStage Auto Insurance also offers other ways to save money on your premium, such as:
- Multi-car discount: You can save money if you insure more than one car with TruStage Auto Insurance.
- Multi-policy discount: You can save money if you bundle your auto insurance with other insurance products from TruStage, such as home, life, or health insurance.
- Claims-free discount: You can earn a discount for every year that you go without filing a claim with TruStage Auto Insurance.
- Safe driver discount: You can get a discount if you have a clean driving record and no accidents or violations on your record.
- Good student discount: You can get a discount if you are a student who maintains a B average or better in school.
- Vehicle safety discount: You can get a discount if your car has certain safety features, such as anti-lock brakes, airbags, or anti-theft devices.
What are the ratings and reviews of TruStage Auto Insurance?
TruStage Auto Insurance has received mixed ratings and reviews from customers and experts.
On the positive side, TruStage Auto Insurance is praised for its:
- Competitive rates for credit union members
- Variety of coverage options and features
- Friendly and helpful customer service
- Easy and convenient online quote process
On the negative side, TruStage Auto Insurance is criticized for its:
- High rates for non-credit union members
- Long and complicated claims process
- Limited availability and accessibility
- Lack of transparency and communication
Here are some of the ratings and reviews of TruStage Auto Insurance from different sources:
- Trustpilot: TruStage has a 4.4 out of 5 rating based on 1,113 reviews. 77% of the reviewers rated TruStage as excellent, while 8% rated it as bad.
- Consumer Affairs: TruStage has a 3.9 out of 5 rating based on 1,000 reviews. 69% of the reviewers gave TruStage a 5-star rating, while 12% gave it a 1-star rating.
- US Insurance Agents: TruStage has a 3.5 out of 5 rating based on 2 reviews. One reviewer gave TruStage a 5-star rating, while the other gave it a 2-star rating.
- ValuePenguin: TruStage has a 3 out of 5 rating based on its coverage, discounts, rates, and customer satisfaction.
How does TruStage Auto Insurance compare with other insurers?
TruStage Auto Insurance is not the only option for credit union members who are looking for car insurance. There are other insurers that also offer discounts and benefits for credit union members, such as:
- Nationwide: Nationwide is a large and well-known insurance company that offers a wide range of insurance products, including auto, home, life, and business insurance. Nationwide partners with various credit unions to offer exclusive discounts and benefits to their members, such as lower rates, flexible payment options, and free identity theft protection.
- Esurance: Esurance is an online insurance company that offers auto, home, renters, motorcycle, and life insurance. Esurance also works with credit unions to provide discounts and perks to their members, such as a 5% discount on auto insurance, a 10% discount on home insurance, and a $100 gas card for switching to Esurance.
- GEICO: GEICO is one of the largest and most popular auto insurers in the U.S. GEICO offers auto, home, renters, motorcycle, and life insurance, as well as other types of insurance products. GEICO also has a special program for credit union members, called the GEICO Credit Union Program, which offers a 5% discount on auto insurance, a 10% discount on motorcycle insurance, and a 15% discount on homeowners, renters, and condo insurance.
To compare TruStage Auto Insurance with other insurers, you can use online tools and websites that allow you to compare quotes, coverage, discounts, and ratings from different companies.
Some of the websites that you can use are:
- NerdWallet: NerdWallet is a website that provides financial advice and information on various topics, such as banking, investing, credit cards, loans, and insurance. NerdWallet also has a tool that lets you compare car insurance quotes from multiple insurers based on your ZIP
- code, and other personal information. You can also filter the results by coverage, company, and price. NerdWallet also provides ratings and reviews of different insurers based on their customer service, claims satisfaction, and financial strength.
- The Zebra: The Zebra is a website that helps you compare car insurance quotes from over 200 insurers in the U.S. You can enter your ZIP code, vehicle details, driving history, and desired coverage to get personalized quotes from different companies. You can also sort the results by price, rating, or company name. The Zebra also provides information and tips on how to save money on car insurance, how to choose the best coverage, and how to file a claim.
- Insurify: Insurify is a website that allows you to compare car insurance quotes from dozens of insurers in minutes. You can provide some basic information about yourself, your car, and your driving record to get accurate and customized quotes from different companies. You can also adjust your coverage options and see how they affect your rates. Insurify also offers discounts and rewards for safe drivers, students, military members, and more.
Conclusion
TruStage Auto Insurance is a car insurance program that is designed for credit union members who want to get reliable and affordable coverage for their vehicles. Additionally, TruStage Auto Insurance offers a range of coverage options and features, as well as discounts and benefits for credit union members. TruStage Auto Insurance also has a good reputation and ratings from customers and experts.
However, TruStage Auto Insurance is not the only option for credit union members who are looking for car insurance. There are other insurers that also offer discounts and benefits for credit union members, such as Nationwide, Esurance, and GEICO. Therefore, it is important to compare TruStage with other insurers and see which one offers the best value and service for your needs.
To compare TruStage with other insurers, you can use online tools and websites that allow you to compare quotes, coverage, discounts, and ratings from different companies. Some of the websites that you can use are NerdWallet, The Zebra, and Insurify. By comparing TruStage with other insurers, you can make an informed decision and choose the best car insurance for you.
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Greetings, I’m Evans Odundo, a dedicated professional holding a Master’s Degree in Software Engineering from Daystar University.
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