TruStage Auto Insurance Review in 2024 (Rates & Discounts Analyzed)
TruStage auto insurance review offers affordable rates starting at $125 per month, making it a strong choice for those seeking reliable auto coverage. Trustage also provides customizable insurance options and support for some drivers seeking faster resolution and may be concerned about claim processing.
Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
UPDATED: Nov 1, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 1, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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TruStage Insurance Company
Average Monthly Rate For Good Drivers
$125A.M. Best Rating:
AComplaint Level:
MedPros
- Discounts on car insurance for credit union members
- Coverage options to fit individual needs
- Multiple ways to file auto insurance claims
Cons
- Mixed customer satisfaction ratings
- Unsubstantial discounts
- TruStage specializes in life insurance policies, offering life insurance to individuals throughout the U.S.
- TruStage does not offer auto insurance, but the company does recommend Liberty Mutual for car insurance coverage
- If you’re a credit union member, you may get discounted auto insurance coverage by using TruStage’s partnership with other companies
This is a TruStage auto insurance review that highlights its competitive rates and robust discounts for safe drivers. With starting rates as low as $125 per month, TruStage provides affordable options, especially for drivers with a clean driving record.
One significant pro is their wide range of discounts, such as multi-car and bundled insurance savings, which can significantly lower overall premiums. Check out our in-depth “Auto Insurance Premium Defined” article for further details.
However, some customers may find their claims process less efficient than other providers, which could be a drawback for those prioritizing swift claims handling.
TruStage Auto Insurance Rating
| Insurance Rating |  |
|---|---|
| Overall Score | 3.0 |
| Business Reviews | 4.0 |
| Claim Processing | 3.0 |
| Company Reputation | 3.5 |
| Coverage Availability | 1.0 |
| Coverage Value | 3.5 |
| Customer Satisfaction | 2.5 |
| Digital Experience | 3.5 |
| Discounts Available | 0.6 |
| Insurance Cost | 3.5 |
| Plan Personalization | 3.5 |
| Policy Options | 3.5 |
| Savings Potential | 2.5 |
TruStage is an excellent choice for cautious drivers who value savings and reliable coverage. Nevertheless, comparing multiple insurance quotes is crucial to finding the best deal tailored to your needs. See if you’re getting the best deal on car insurance by entering your ZIP code above.
- TruStage offers competitive starting rates as low as $125 per month
- Drivers can benefit from a variety of discounts, including multi-car savings
- The claims process may be slower compared to some competitors in the market
What You Should Know About TruStage Insurance Company
When you shop for different types of auto insurance coverage, you may find countless companies in your area willing to offer you a policy. TruStage Insurance Company may be one of your area’s auto insurance companies.
TruStage Auto Insurance Monthly Rates by Coverage Level, Age, & Gender
| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| Age: 16 Female | $325 | $475 |
| Age: 16 Male | $375 | $525 |
| Age: 18 Female | $275 | $425 |
| Age: 18 Male | $325 | $475 |
| Age: 25 Female | $175 | $275 |
| Age: 25 Male | $200 | $300 |
| Age: 30 Female | $145 | $230 |
| Age: 30 Male | $165 | $245 |
| Age: 45 Female | $125 | $205 |
| Age: 45 Male | $145 | $225 |
| Age: 60 Female | $115 | $195 |
| Age: 60 Male | $135 | $215 |
| Age: 65 Female | $110 | $190 |
| Age: 65 Male | $130 | $210 |
TruStage offers life insurance policies to individuals throughout the U.S., not vehicle insurance. In addition, TruStage partners with credit unions and insurance providers worldwide, allowing policyholders to purchase coverage that best suits their needs and budgets.
TrueStage offers direct premiums, easy access to claims filing, and 24/7 contact with company representatives. Trustage Insurance reviews suggest that many policyholders are happy with their coverage and recommend TruStage insurance to others.
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TruStage Auto Insurance Reviews and Complaints
TruStage does not offer auto insurance programs or coverage. However, TruStage policyholders can purchase auto insurance through Liberty Mutual. Liberty Mutual offers discounts on auto insurance to TruStage policyholders who are credit union members and also offers various coverage options to fit individual needs.
TruStage Car Insurance Discounts
| Discount | Savings | Description |
|---|---|---|
| Good Driver | 20% | For drivers with a clean record and no claims in recent years. |
| Multi-Policy | 15% | Available when you bundle multiple insurance policies together. |
| Bundled Insurance | 10% | Savings for combining auto insurance with home insurance policies. |
| Safe Vehicle | 10% | Offered for vehicles equipped with safety features that reduce risk. |
| Low Mileage | 15% | For drivers who drive fewer than a specified number of miles annually. |
| Student | 25% | Available for students who maintain good academic performance. |
| Military | 10% | For active duty military personnel and veterans providing additional savings. |
| Homeowner | 5% | For individuals who own their home, giving them a slight discount. |
| Renewal | 5% | Applied when renewing your policy without any lapse in coverage. |
| Paid-in-Full | 10% | For customers who pay their annual premium in full at the start of the policy. |
TruStage policyholders can file Liberty Mutual auto insurance claims in multiple ways. According to Liberty Mutual life insurance reviews, you can file a claim by calling and speaking with a representative, visiting the company website, or using the Liberty Mutual mobile app.
Learn More: How to File a Car Insurance Claim
While Liberty Mutual auto insurance has several pros, it has some cons. For example, buying auto insurance with Liberty Mutual may lead to confusing customer ratings and reviews. While some Liberty Mutual customers are very happy with their insurance policies, others state that Liberty Mutual is not a good company to work with.
TruStage auto insurance is an excellent option for credit union members, providing competitive rates and extensive discount opportunities that can significantly lower premiums.Kristen Gryglik Licensed Insurance Agent
Further, Liberty Mutual has an A (Excellent) financial strength rating with A.M. Best but a 2/5 rating with J.D. Power’s satisfaction survey, suggesting that most Liberty Mutual policyholders are unhappy with the service they receive.
TruStage Car Insurance Coverage Options
| Coverage | Description |
|---|---|
| Liability | Covers damages and injuries to others when you're at fault |
| Collision | Pays for damage to your vehicle from collisions |
| Comprehensive | Covers non-collision damages like theft or vandalism |
| Personal Injury Protection (PIP) | Covers medical expenses for you and passengers |
| Uninsured/Underinsured Motorist | Protects you against drivers without adequate insurance |
| Gap Insurance | Covers the gap between vehicle value and loan if totaled |
| Roadside Assistance | Provides services like towing and flat tire changes |
| Rental Car Reimbursement | Covers rental costs while your car is being repaired |
| New Car Replacement | Replaces a totaled car with a new one of the same make |
While customers give TruStage life insurance a B on the BBB website, Liberty Mutual’s life insurance rating with BBB is an A+. Still, TruStage claims and reviews suggest that customers are happy with TruStage’s life insurance policies and claims handling process.
In contrast, some Liberty Mutual customers complain that the claims process is not very helpful, their policies are too expensive, and their claims are not handled promptly or correctly.
TruStage Insurance Company Insurance Coverage Options
TruStage Insurance Company provides diverse coverage options designed to fit various driver needs. Whether you’re looking for liability, collision, comprehensive, or uninsured motorist coverage, TruStage offers customizable policies that ensure essential protection.
With competitive rates and flexible options, drivers can tailor their plans to suit their specific requirements and budget.
TruStage auto coverage offers all the standard options you’d expect through Liberty Mutual, including:
- Liability
- Collision
- Comprehensive
- Uninsured/Underinsured Motorist Coverage
- Personal Injury Protection Coverage (PIP)
In addition to the standard coverages listed above, Liberty Mutual also offers:
- New car replacement insurance
- Better car replacement insurance
- Rental car reimbursement
- Roadside assistance
- Gap insurance
When you purchase car insurance with Liberty Mutual, you can purchase add-on coverage options that help you feel better prepared if you need assistance. While each coverage will cost additional monthly or annual fees, it may be worth it for the peace of mind you receive. Explore our detailed analysis on “Full Coverage Auto Insurance Defined” for additional information.
TruStage Insurance Company Insurance Rates Breakdown
While no TruStage automobile insurance reviews state exactly how much TruStage auto insurance costs through Liberty Mutual, you can get TruStage car quotes on the company website to see how much you’ll pay. The nationwide average for auto insurance is $1,771 annually or $148 monthly for a full coverage policy. If you choose minimum coverage in your state, you will likely pay around $545 annually or $45 monthly.
Remember that your driving record has much to do with your auto insurance rates. Most auto insurance companies check your driving record. If you have a clean record, you’re likely to pay less than if you have violations or accidents on your record.
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— AutoInsurance.org (@AutoInsurance) October 7, 2024
For example, while someone with a clean driving history pays $148 monthly for full coverage, someone with one speeding ticket on their driving record will pay $178 monthly for the same coverage.
Similarly, cheap auto insurance after an accident is much more difficult to find. An individual with one at-fault accident will pay around $2,521 annually or $210 monthly for full coverage. If you are a teen driver, you can expect to pay well over the national average for coverage in your state. Teen drivers pay around $3,852 annually or $321 monthly for a full coverage policy.
That’s nearly three times as much as a middle-aged driver with a clean driving record. Even the best auto insurance companies for teens and young drivers come at a high price. If you are considering purchasing a Liberty Mutual auto insurance policy through TruStage Insurance, compare other quotes from insurance companies. Doing so will help you avoid paying too much for coverage.
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TruStage Insurance Company Discounts Available
TruStage auto insurance reviews state that the company offers several discounts for car insurance coverage. One main benefit of purchasing TruStage automobile coverage through Liberty Mutual is that you may get a discount for being a credit union member.
In addition to the credit union discount, TruStage, and Liberty Mutual offer car insurance discounts for:
- New Drivers
- Multiple Vehicles
- Good Students
- Bundling Policies
TruStage does not specify on its company website whether its auto insurance coverage discounts are substantial. Some companies offer up to 25% discounts. If you believe you qualify for a discount with Liberty Mutual through TruStage or want more information regarding your options, you can call and speak with a company representative.
How TruStage Insurance Company Ranks Among Providers
In terms of cost, TruStage vehicle coverage through Liberty Mutual is slightly above the national average. A Liberty Mutual policy costs around $2,768 annually or $231 monthly for a full-coverage auto insurance policy.
TruStage Insurance Business Ratings & Consumer Reviews
| Agency | |
|---|---|
 | Score: 830/1000 Above Avg. Overall Satisfaction |
 | Score: A- Strong Business Practices |
 | Score: 75/100 Moderate Customer Feedback |
 | Score: 1.20 Slightly Above Avg. Complaint Ratio |
 | Score: A Good Financial Strength |
The table shows that Liberty Mutual coverage could be expensive. Still, getting a TruStage auto quote is a good idea to see how much you’ll pay for coverage based on your unique factors.
Suppose you are looking for cheap auto insurance companies in your area. In that case, you’ll need to find and compare quotes from multiple companies to avoid high TruStage insurance quotes through Liberty Mutual.
TruStage Auto Insurance: Liberty Mutual Partnership Explained
You cannot purchase car insurance with TruStage. The company offers life insurance and partners with Liberty Mutual to sell auto insurance to its current and future policyholders. For extra tips, continue reading our full “What is auto insurance?” guide.
If you have a life insurance policy with TruStage, bundling your insurance policies with Liberty Mutual may allow you to save money on car insurance. Liberty Mutual offers various coverage options to customize car insurance policies, but customers are unsure whether the company offers good products and services.
Additionally, most Liberty Mutual car insurance policies cost more than the national average, so you could probably find cheaper auto insurance coverage with a different company. If you’re interested in purchasing car insurance and are a TruStage policyholder, check with a company representative to see how you could save money on coverage. You can get Liberty Mutual auto insurance quotes straight from the TruStage website.
It’s important to compare quotes from multiple car insurance providers before deciding on your coverage. Comparing quotes can help ensure you don’t overpay for the needed coverage. Get quotes from multiple local companies using our free comparison tool below.
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Frequently Asked Questions
What is TruStage’s auto insurance rating?
TruStage auto insurance generally receives favorable ratings for its affordability and customer service, with many users appreciating the straightforward claims process. Ratings typically vary based on coverage options and location. It’s best to consult TruStage auto insurance consumer report reviews for precise ratings.
How reliable are TruStage auto and home insurance reviews?
TruStage auto and home insurance reviews are mixed. Some customers praise the company’s ease of use and cost-effective policies, while others express concerns about specific claim-handling experiences. Reviewing multiple sources ensures a well-rounded perspective on the company’s reliability.
What vehicle coverage options does TruStage offer?
TruStage vehicle coverage options include standard auto insurance policies like liability, collision, and comprehensive coverage and additional options such as uninsured motorist and mechanical breakdown coverage. Reviewing TruStage vehicle coverage options helps you select the best fit for your driving habits and needs.
Discover our comprehensive “Cheapest Liability-Only Auto Insurance” guide for additional insights.
What are the pros and cons of TruStage auto insurance?
The pros include affordable premiums, especially for members of affiliated credit unions, and access to discounts for safe driving. The cons can involve limited availability of certain coverage types and mixed feedback on claims processing. TruStage auto insurance program reviews offer insight into these aspects.
Who owns TruStage insurance?
TruStage Insurance is owned by the CUNA Mutual Group, which provides insurance and financial products to credit union members. This ownership ensures that TruStage focuses on affordable and accessible insurance options tailored to its target market.
How does the TruStage insurance program perform in customer reviews?
TruStage insurance program reviews indicate customers value the company’s user-friendly services and credit union partnerships. However, some mention occasional issues with claims resolution. Overall, the impression is of a reliable and budget-friendly insurer, though experiences vary by individual.
Check out our in-depth “Comprehensive Auto Insurance Claim” article for further details.
How does TruStage car insurance quality and reliability compare to competitors?
TruStage car insurance quality and reliability are often considered satisfactory, especially for drivers seeking basic coverage and affordability. Its partnership with Liberty Mutual enhances its product range. Still, comparing policies and reading TruStage car insurance quality and reliability feedback can provide a clearer view.
Is TruStage the same as Liberty Mutual?
TruStage and Liberty Mutual are not the same, but they are partnered. TruStage offers auto insurance through Liberty Mutual and provides various policies. This comparison shows how TruStage leverages this partnership for better service.
Get the right car insurance at the best price — enter your ZIP code below to shop for coverage from the top insurers.
Is TruStage a legitimate company?
TruStage is a legitimate company known for partnering with credit unions to offer auto, home, and life insurance products. It’s recognized for its solid reputation in the insurance market and has positive ratings across multiple review platforms, affirming its legitimacy.
How can I evaluate TruStage car insurance coverage?
Evaluating TruStage car insurance coverage involves assessing the types of coverage offered, such as liability, collision, and comprehensive options. Consider the benefits, like credit union discounts and the ease of filing claims. Reading TruStage’s auto insurance program details and customer reviews can help determine its suitability.
Learn more by visiting our detailed “How to Evaluate Auto Insurance Quotes” section.
How does TruStage auto insurance perform in consumer reports and reviews?
Consumer reports reviews of TruStage auto insurance often highlight its cost-effectiveness and reliable partnerships with credit unions. Some reports also mention the company’s responsive customer service. However, feedback may vary, so it’s advisable to consult multiple consumer reviews before deciding.
What is the TruStage auto insurance personal invitation number?
The TruStage auto insurance personal invitation number is a unique code for potential customers, often through affiliated credit unions or promotional materials. It’s used to access special rates or benefits when signing up for TruStage policies. Contacting their support team can help retrieve or understand its usage.
How do I get a TruStage auto insurance quote?
To obtain a TruStage auto insurance quote, visit their website or contact their customer service team. Providing details like your driving record, vehicle information, and desired coverage options will help you receive a personalized estimate based on TruStage auto insurance program details.
Dive deeper into “How to Get Fast and Free Auto Insurance Quotes” with our complete resource.
What details are covered under the TruStage auto insurance program?
The TruStage auto insurance program details include coverage options such as liability, collision, and comprehensive insurance. It also offers special benefits for credit union members, like discounts for safe driving. Understanding these details helps tailor coverage to meet specific needs.
How do I cancel my TruStage car insurance policy?
Contact their customer service team directly to cancel your TruStage car insurance policy. They will guide you through the policy cancellation process, ensuring you understand potential fees or impacts. It is important to review the terms before initiating TruStage car insurance policy cancellation.
What do customers say about TruStage car insurance claims?
TruStage car insurance claims reviews show mixed experiences. Some customers report a quick and efficient claims process, while others note delays or communication issues. Evaluating these reviews is recommended to understand what to expect when filing a claim.
Read our extensive “How to Check Your Auto Insurance Claims History” guide for more knowledge.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
