Trustage Auto Insurance Review 2020

Last modified: November 22, 2020
  • Claims 9.5
  • Buying 9
  • Coverage Variety 9
  • Value For Money 9.5
  • Transparency 9
  • OVERALL RATING 9.2
  • Financial Strength A+
  • BBB Rating A+
  • Coverages 5/5
  • Flexibility Policy customization possible
  • Discounts 5/5
  • Support 24/7 roadside assistance, Email, Phone
  • Pricing Affordable for Credit Union members
  • User Ratings TrustPilot 4.8 stars

About the Company

Trustage insurance, owned by CUNA mutual holding company is primarily a life insurance company. They doesn’t sell auto insurance directly. Instead, it provides car insurance through two insurance providers – Liberty Mutual and Esurance.

The reason why we did a dedicated auto insurance review: Trustage offers significant discounts it has on auto insurance for credit union members. 

Want to know more about this auto insurance company?

 This detailed Trustage auto insurance review will shed some light on coverage options, pricing, user rating, and more.

How we Reviewed

Here is what we did to review the cost and contents of Trustage insurance rating:

  • We analyzed their  website for features and coverage types
  • We asked for quotes with different conditions  
  • We studied reviews and  ratings from user review websites
  • We collected  data on the financial strength

Where is it Available

Trustage auto insurance is available in all states of the United States and has its headquarters in Madison, Wisconsin. You can easily find Trustage associated insurance companies licensed agents by calling 1-855-309-0943.

Types of Insurance Covered and Missing Coverages

Trustage offers auto insurance through Liberty mutual car insurance and Esurance coverage for various types of insurance, including the following:

  • Auto insurance comprehensive coverage
  • Collision coverage
  • Uninsured and underinsured motorist coverage
  • Personal Injury Protection Coverage 
  • Liability Coverage
  • Medical payments

Aside from these basic coverage options, the Truststage also offers the following optional coverages:

With Esurance:

  • Emergency Roadside Assistance
  • Rental car coverage
  • Gap coverage 

With Liberty Mutual:

  • Better car replacement program
  • Labor and towing
  • Rental car coverage

Pricing Review

Let’s have a look at Trustage car pricing review

The average national representative rate of Trustage car insurance is $2,600. Of course, the total cost varies by location and by various factors, including your age, driving record, and more. These are liberty mutual quotes for auto coverage. 

The average annual rate for:

  • 25-year-old driver is $2,600
  • 35-year-old driver is $2,600, and 
  • 45-year-old driver is $1,926

The average rate for drivers as per the credit score is as follows:

  • For the drivers with good credit, the rate is $2,109
  • For drivers with fair credit, the rate of $2,273
  • For drivers with poor credit score, the rate is $3,228

Insurance Offers or Extras

Aside from the coverages mentioned above, there are plenty of offers and discounts offered by the company. Trustage auto insurance discounts are as follows: 

  • Credit union discounts
  • Advance purchase discount
  • Pay in full discount 
  • Safe driver discount
  • Multi-policy discount
  • Multi-car discount 
  • Good student discount 
  • Anti-theft devices discount 
  • Homeowner discount

These discounts might vary, and some might not be available in all states. 

Customer Satisfaction and Financial Strength

Trustage auto insurance customer satisfaction rating is good.

It has received an outstanding ranking on TrustPilot, and scored an impressive A+ on BBB rating. However, the company’s ranking on Consumer Affairs is lower than average. 

Trustage AM Best rating is A+, and its S&P Rating is A, which indicates that the financial strength of the company is strong. 

Platform Rating
TrustPilot 4.8 stars
Consumer Affairs 1.2 stars
BBB A+

 

Customer Support

Trustage auto insurance customer service can easily be reached through its helpline, contact form online, and you can even opt for the option of requesting a call. 

Ease of Buying and Claims Handling

The ease of applying and buying the insurance policy through Trustage is effortless. However, Trustage claims submission may not be that easy since you would be filing the claim through Liberty Mutual or CUNA mutual group. You can file a claim through phone, online, or using the mobile app. 

Trustage doesn’t handle claims or administer policies. Once the claim has been filed and documents have been received, the representative will offer a settlement within three to four business days. 

Comparison with Competitors

Here is a comparison between the Trustage car insurance and a few of its competitors:

State Farm Auto Insurance

State Farm is one of the leading car insurance providers in the country and offers better rates and discounts than Trustage. 

However, if you have a bad credit score, then Trustage would be a better option for you. Those with a good credit score should opt for State Farm. If your driving record includes a DUI, reckless driving violation, ticket, or an at-fault accident, then Trustage insurance is a good option for you as well. 

Allstate Auto Insurance

Allstateis known for its affordable rates and comprehensive policies and discounts.

If you have a bad credit score, then Allstate is a better option. You will also get slightly better rates with Allstate if you have a good or exceptional credit score.

For individuals with a driving record that includes a DUI, reckless driving violation, ticket, or an at-fault accident, Turstage car insurance is a better choice.  

Geico Auto Insurance

Geico is known as the most affordable auto insurance providers in the country. Geico also offers excellent discounts for its customers to make the insurance more inexpensive for them. For both poor and exceptional credit scores, Geico is a better choice than Trustage. It also offers more affordable rates for drivers with a bad record. 

Pros & Cons

The Pros

  • Unique coverage options
  • Discounts for credit union members
  • Multiple means of filing claims

The Cons

  • Not a direct auto insurance provider
  • Fewer discounts
  • Limited policy options

Final Verdict

Trustage auto insurance is suitable for individuals who are credit union members and are looking for affordable premiums. 

It is not suitable for you if you are not a credit union member, or if you are looking for comprehensive discounts and perks.