Is TruStage Auto Insurance Legit?

TruStage has been getting noticed in the world of auto insurance, but is it legit?

This article will examine the pros and cons of TruStage auto insurance to help you determine if it suits what you need and can afford.

An image of TruStage Auto Insurance
Source: membersonenj

Is TruStage Auto Insurance Legit?

Yes, TruStage Auto Insurance is a legitimate insurance broker.

Remember, they do not directly provide auto insurance policies but connect you to their partners for home and auto insurance.

Overview of TruStage Auto Insurance

TruStage Insurance is part of CUNA Mutual Group, a financial company established in 1935.

While mainly focused on life insurance, it also offers auto insurance.

However, TruStage doesn’t directly provide auto insurance policies, instead, it acts as a broker, linking customers to Liberty Mutual, its partner company.

One of the perks of choosing TruStage auto insurance is the discounts it offers to members of credit unions.

TruStage Auto Insurance Coverage Options

Since TruStage doesn’t directly provide auto insurance policies, it partners with Liberty Mutual through the TruStage Auto & Home Insurance Program.

Liberty Mutual therefore offers standard coverage along with some unique options. The basic types of auto insurance include:

  • Bodily injury and property liability coverage (BI/PD): This pays for damage you cause to others and their property in an accident, covering repair costs, medical bills, and legal fees.
  • Collision coverage: This pays for repairs to your own vehicle if it’s damaged in a crash with another car or object.
  • Comprehensive coverage: This covers damages to your vehicle not caused by a collision, such as theft, vandalism, natural disasters, or civil disturbances.
  • Medical payments coverage (MedPay): This covers medical expenses for you and your passengers, no matter who is at fault in an accident. Note: Not all states offer this type of coverage.
  • Personal injury protection (PIP): This covers medical treatment and lost wages if you’re injured in an accident, regardless of fault.
  • Uninsured/underinsured motorist coverage (UI/UIM): This protects you if you’re in an accident with someone who doesn’t have enough insurance to cover your expenses.

Additional Coverage Options

Additionally, Liberty Mutual provides the following additional coverage options:

  • Guaranteed Asset Protection (GAP) insurance for loans/leases.
  • Towing and labor coverage.
  • Reimbursement for rental cars.
  • Coverage for replacing new cars.
  • Insurance for forgiving accidents.

Specialty Coverage Options

Furthermore, Liberty Mutual offers unique policies such as:

  1. Mexico car insurance for driving in Mexico.
  2. Car insurance tailored for teachers to cover incidents on school premises.
  3. Replacement of original manufacturer parts for vehicle repairs.
  4. The Liberty Mutual Deductible Fund, which gradually decreases and eventually removes your collision deductible.
  5. A lifetime guarantee on repairs performed by approved facilities.
  6. Better car replacement, allowing you to replace your totaled car with a newer model having fewer miles.
TruStage Auto Insurance Cost And Discounts

TruStage offers auto insurance policies through Liberty Mutual, so the pricing reflects that of the partner company.

To find out your potential cost based on your driving history, request a quote from TruStage.

For a rough idea of standard insurance premiums, we’ve gathered estimated costs for full coverage from various top car insurance providers.

Note that these figures are based on the profile of a 30-year-old driver with a clean driving record and good credit.

Auto Insurance Provider Average Annual Cost Estimate
USAA $1,476
Erie $1,680
Auto-Owners $1,404
State Farm $1,680
Geico $1,572
Progressive $1,809
Nationwide $1,674
Travelers $1,615
Farmers $2,660
The Hartford $2,300

Discounts

A benefit of obtaining auto insurance via TruStage is the potential discount available for credit union membership.

Furthermore, Liberty Mutual provides various discounts, including:

  • A 30% discount for new drivers
  • Multi-vehicle discount
  • Good student discount
  • Bundle discount for homeowners who combine home and auto insurance.

The Pros of Using TruStage Auto Insurance

Here are some merits of using TruStage as your auto insurance provider:

  • Financial Strength: TruStage is backed by Liberty Mutual and CMFG Life Insurance, which have strong financial ratings from AM Best. This indicates a low risk of insolvency.
  • Competitive Rates: TruStage is renowned for offering competitive rates, particularly for low-mileage drivers and those with favorable driving records.
  • Convenience: TruStage provides a seamless online experience for obtaining quotes, managing policies, and handling claims.
  • Discounts: They offer a variety of discounts, including those for good studentsmulti-car policies, and anti-theft measures.
  • Forbes Recognition: TruStage has been honored by Forbes as one of America’s Best Insurance Companies in 2024, signifying industry recognition.

The Cons of Using TruStage Auto Insurance

Here are some few downsides of TruStage:

  • Decreased Customer Satisfaction: According to J.D. Power’s 2023 Auto Insurance and Claims Satisfaction studies, Liberty Mutual, the underwriter for TruStage policies, received below-average ratings in customer satisfaction. This suggests potential issues with customer service or claims processing.
  • Limited Policy Options: TruStage offers a narrower range of policy options and additional features compared to larger, well-established insurers.
  • Limited Local Agent Availability: If you prefer the personalized assistance of a local agent, TruStage might not be the ideal choice since their network of agents is not as extensive as some competitors’.
  • Relatively New Player: TruStage has a shorter history in the auto insurance market compared to established brands. This may raise concerns for some individuals regarding their long-term stability.

TruStage Auto Insurance Reviews

TruStage holds an A+ rating from the Better Business Bureau (BBB), indicating its responsiveness to customer concerns.

On Trustpilot, it boasts a 4.8 out of 5.0-star rating with over 8,000 reviews, indicating overall satisfaction among customers.

Positive feedback highlights the helpfulness and friendliness of TruStage staff, suggesting efficient resolution of any issues.

While TruStage receives praise for its customer service, a minority of policyholders express dissatisfaction, particularly regarding pricing, when it comes to TruStage auto insurance provided by Liberty Mutual.

It’s important to note that TruStage primarily focuses on life insurance, not auto insurance.

Therefore, for a more accurate assessment of TruStage’s auto coverage, it’s advisable to consider customer reviews of Liberty Mutual.

Liberty Mutual Auto Insurance Reviews

Liberty Mutual holds an A- rating from the Better Business Bureau and a 1.1 out of 5-star rating based on over 1,500 reviews.

On Trustpilot, it garners a 1.1 out of 5.0-star rating with just over 300 reviews.

Satisfied customers often mention cost savings with Liberty Mutual policies, while complaints often revolve around issues with communication and cancellation.

Conclusion

Before committing to an insurance provider, including TruStage, it’s crucial to conduct thorough research.

Obtain quotes from TruStage as well as other well-regarded insurers to determine the most suitable coverage and pricing for your requirements.

Additionally, take into account variables such as your driving history, financial constraints, desired level of customer service, and the significance of local agents.

Ultimately, the suitability of TruStage depends on your individual preferences as a driver and insurance user.

And TruStage Auto Insurance is legit! Though as an insurance broker.

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