Trustage Auto Insurance Review [2024]
TruStage, in collaboration with industry leaders Esurance and Liberty Mutual, offers a comprehensive approach to car insurance, providing a range of standard and customizable coverage options.
Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Apr 23, 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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above 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: Apr 23, 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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Trustage Insurance
Average Monthly Rate For Good Drivers
N/AA.M. Best Rating:
AComplaint Level:
LowPros
- TruStage has over 50 years of experience in the insurance industry.
- TruStage offers discounts for credit union members.
- Esurance and Liberty Mutual, recommended by TruStage, provide standard coverage options and offer add-ons for customization.
- TruStage has positive reviews and ratings, indicating customer satisfaction with their life insurance policies.
- Comparing quotes online helps find the best coverage at competitive prices.
Cons
- TruStage does not directly offer car insurance coverage.
- Rates with Esurance and Liberty Mutual may be higher compared to other car insurance companies.
- Some customers have reported dissatisfaction with policies or customer service experiences from Esurance and Liberty Mutual.
- Limited information on TruStage’s auto insurance coverage options and claims process.
- Mixed customer reviews for Esurance and Liberty Mutual regarding customer service and claims handling.
TruStage is a life insurance company that does not offer car insurance coverage. Instead, the company recommends purchasing a car insurance policy with either Esurance or Liberty Mutual.
Esurance and Liberty Mutual have standard car insurance coverage options and offer add-ons if you want to customize your policy. However, rates with both companies are often higher than those of companies like Geico and State Farm. In addition, Esurance and Liberty Mutual customers are sometimes unsatisfied with their policies or customer service experiences.
Purchasing a policy via TruStage with Esurance or Liberty Mutual could help you save money, especially if you’re a credit union member. Still, it’s important to find and compare quotes before you make a final decision on coverage to ensure you don’t pay too much for what you want.
What You Should Know About Trustage Insurance
TruStage is a life insurance company and does not provide car insurance coverage. However, the company refers its life insurance clients to Esurance and Liberty Mutual for their auto insurance needs. So if you’re looking for car insurance coverage, you may consider Esurance or Liberty Mutual as your car insurance company.
Depending on your coverage with TruStage, you may get a discount on car insurance coverage with Esurance or Liberty Mutual. Additionally, many individuals receive discounts on auto insurance coverage if they are credit union members.
As you shop for auto insurance, it’s important to know what coverage you’re looking for. Once you know the types of coverage you need, you can find companies that might work for you and compare quotes to see which offers the coverage you want for the best price.
Comparing car insurance quotes is a great way to ensure you get proper auto insurance coverage without overpaying. While you cannot compare TruStage car insurance quotes, you could start by comparing quotes from Esurance and Liberty Mutual.
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Does Trustage have good ratings?
If you purchase car insurance via TruStage, you will only interact with the company once or twice. After that, you’ll primarily deal with either Esurance or Liberty Mutual for your car insurance needs. While TruStage has an A (Excellent) financial strength rating with A.M. Best, the company’s ratings won’t matter much if you’re looking for car insurance.
TruStage has a B rating with the Better Business Bureau (BBB) and has 4.7 out of five stars with Trustpilot and over 5,000 customer reviews. TruStage customers are happy with their products and services, and many state that TruStage’s customer service department is helpful.
Do Esurance and Liberty Mutual have good ratings and reviews?
Esurance and Liberty Mutual both have positive ratings with A.M. Best. Esurance has an A+ (Superior) financial strength rating, while Liberty Mutual has an A (Excellent) financial strength rating with A.M. Best. In addition, both companies have positive outlooks for future endeavors.
When it comes to customer reviews, Esurance and Liberty Mutual both receive average feedback. Neither company has great reviews concerning customer service or claims handling, but neither has overly negative reviews. Esurance received a three out of five-star review with J.D. Power for customer service rankings. Liberty Mutual scored slightly lower, with two out of five stars.
According to the National Association of Insurance Commissioners (NAIC), Esurance and Liberty Mutual each receive a higher-than-average number of customer complaints concerning customer service and claims handling.
While customers are not blown away by Esurance and Liberty Mutual, each company’s financial strength rating should be encouraging to anyone considering purchasing a car insurance policy. If you’re interested in learning more about Esurance and Liberty Mutual, you can research each company and read reviews from current and former customers.
Trustage Insurance Coverage Options
TruStage does not offer car insurance coverage, but the company recommends Esurance and Liberty Mutual for customers’ auto insurance needs. Both companies offer standard coverages you would expect from an auto insurance company, like:
- Property damage liability
- Bodily injury liability
- Personal injury protection (PIP)
- Medical payments (MedPay)
- Uninsured/underinsured motorist coverage
- Collision insurance
- Comprehensive insurance
You may only need liability coverage to drive legally on the road in your state. Some states also require PIP, MedPay, and/or uninsured/underinsured motorist coverage as well. The state minimum required insurance is a minimum coverage policy. Anyone looking for full coverage auto insurance will be adding collision and comprehensive coverage to their policy.
In addition to the coverage options listed above, Esurance and Liberty Mutual may offer additional options for car insurance, like:
- Roadside assistance
- Gap insurance
- New car replacement
- Rideshare coverage
- Rental car reimbursement
To learn which auto insurance companies offer the best roadside assistance or add-ons you know you want, research companies in your area. If you’re interested in learning more about add-on options with Esurance or Liberty Mutual, you can speak with a company representative. Coverage options may vary based on your location.
Trustage Insurance Rates Breakdown
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| Driver Profile | Trustage | National Average |
|---|---|---|
| Clean Record | $83 | $119 |
| 1+ Ticket | $129 | $147 |
| 1+ Accident | $154 | $173 |
| DUI | $208 | $209 |
| Poor Credit | $143 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
Your driving record is one of the most important factors in determining car insurance rates. If you have a clean record, you can expect to pay less for coverage than someone with an accident or speeding ticket on their driving record.
Average Monthly Auto Insurance Rates by Driving Record and Company
| Companies | Monthly Rates with a Clean Driving Record | Monthly Rates w/ One Speeding Violation | Monthly Rates w/ One Accident | Monthly Rates w/ One DUI Conviction |
|---|---|---|---|---|
| Geico | $179 | $220 | $266 | $406 |
| American Family | $224 | $252 | $310 | $361 |
| Nationwide | $229 | $259 | $283 | $379 |
| State Farm | $235 | $266 | $283 | $303 |
| Progressive | $283 | $334 | $398 | $331 |
| Travelers | $287 | $355 | $357 | $478 |
| Farmers | $288 | $340 | $377 | $393 |
| Allstate | $318 | $374 | $416 | $522 |
| Liberty Mutual | $398 | $475 | $517 | $634 |
As you can see, a speeding ticket can increase your car insurance rates by $400 or more annually. If you have an at-fault accident on your driving record, you could pay over $2,500 annually or $208 monthly for vehicle coverage.
Unfortunately, age also impacts a person’s car insurance costs. If you are a teen driver or have one on your insurance policy, you may see substantial increases in your car insurance costs. The average cost of insuring a teen driver is $3,852 annually or $321 per month.
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Trustage Insurance Discounts Available
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| Discounts | Trustage |
|---|---|
| Anti Theft | 13% |
| Good Student | 10% |
| Low Mileage | 17% |
| Paperless | 8% |
| Safe Driver | 21% |
| Senior Driver | 12% |
If you purchase a car insurance policy through TruStage, you may be entitled to certain discounts because you’re a credit union member. In addition, Liberty Mutual offers certain discount options as well. Some of the company’s most popular discounts include:
- New driver discount: Save up to 30% on teen or young adult car insurance rates if you add a new driver to your policy.
- Multiple vehicle discount: Save on your monthly or annual premiums if you insure more than one vehicle with Liberty Mutual.
- Good student discount: Students with a GPA of 3.5 or higher may enjoy up to 15% off their auto insurance rates.
- Bundling discount: You may save on your insurance rates if you bundle certain coverages, like home and auto, with Liberty Mutual.
Esurance likely offers discounts on coverage as well. You can speak with Esurance and Liberty Mutual representatives to see if you qualify for discounts and learn how much you could save on your monthly or annual premiums.
How Trustage Insurance Ranks Among Providers
If you purchase car insurance with Liberty Mutual through TruStage, you may pay higher-than-average rates for your coverage. The average cost of a full coverage car insurance policy with Liberty Mutual is $2,768 annually or $231 per month.
Purchasing auto insurance with Esurance through TruStage may help you save on coverage. The average full coverage car insurance policy with Esurance costs around $2,077 annually or $173 monthly.
Average Monthly Full Coverage Auto Insurance Rates of the Top 10 Auto Insurance Companies
| Companies | Monthly Rates with a Clean Driving Record | Monthly Rates w/ One Speeding Violation | Monthly Rates w/ One Accident | Monthly Rates w/ One DUI Conviction |
|---|---|---|---|---|
| Allstate | $318 | $374 | $416 | $522 |
| American Family | $224 | $252 | $310 | $361 |
| Farmers | $288 | $340 | $377 | $393 |
| Geico | $179 | $220 | $266 | $406 |
| Liberty Mutual | $398 | $475 | $517 | $634 |
| Nationwide | $229 | $259 | $283 | $379 |
| Progressive | $283 | $334 | $398 | $331 |
| State Farm | $235 | $266 | $283 | $303 |
| Travelers | $287 | $355 | $357 | $478 |
| USAA | $161 | $183 | $210 | $292 |
| Average | $260 | $306 | $342 | $410 |
Read more:
In terms of cost, Esurance and Liberty Mutual have higher coverage rates than Erie, Auto-Owners, State Farm, Geico, Progressive, Nationwide, Travelers, and Farmers on average. Liberty Mutual car insurance rates are also higher than rates with The Hartford.
Click to compare Geico vs. Travelers auto insurance.
Trustage Insurance Claims Process
Ease of Filing a Claim
TruStage offers a straightforward claims process with multiple options for filing a claim. Policyholders can conveniently file a claim through various channels, including online platforms, over the phone, or through mobile apps. This flexibility ensures that customers can choose the method that best suits their preferences and circumstances.
Average Claim Processing Time
One crucial aspect of the claims process is the speed at which claims are processed. TruStage strives to provide efficient service by focusing on reducing the average claim processing time. Policyholders can expect timely evaluations and resolutions, contributing to a smoother experience during the claims handling process.
Customer Feedback on Claim Resolutions and Payouts
The real measure of an insurance company’s performance lies in the satisfaction of its customers with claim resolutions and payouts. TruStage values customer feedback and aims to consistently meet or exceed expectations. The experiences of policyholders in terms of the effectiveness and fairness of claim resolutions, as well as the speed of payouts, contribute to shaping the overall customer satisfaction.
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Trustage Digital and Technological Features
Mobile App Features and Functionality
TruStage recognizes the importance of digital convenience and offers a user-friendly mobile app. The app is designed to provide policyholders with easy access to essential features, such as policy information, claims tracking, and communication with customer support. The mobile app enhances the overall customer experience by putting key functionalities at the policyholder’s fingertips.
Online Account Management Capabilities
Efficient online account management is crucial for policyholders who prefer to handle their insurance matters digitally. TruStage ensures that customers can easily manage their policies online, allowing them to view and update policy details, track claims, and access important documents. The online account management capabilities are designed to be intuitive and user-friendly.
Digital Tools and Resources
To further support policyholders, TruStage offers a range of digital tools and resources. These tools may include educational materials, calculators, and other resources that empower customers to make informed decisions about their insurance coverage. The availability of digital tools enhances the overall value proposition for policyholders.
Frequently Asked Questions
What types of coverage does TruStage offer?
TruStage is primarily a life insurance provider and does not offer car insurance coverage. However, it recommends auto insurance coverage through its partners Esurance and Liberty Mutual.
Can I get a discount on car insurance through TruStage?
Yes, if you have coverage with TruStage, you may be eligible for discounts on auto insurance with Esurance or Liberty Mutual, especially if you’re a credit union member.
How do Esurance and Liberty Mutual rate in customer reviews and financial strength?
Both Esurance and Liberty Mutual have positive financial strength ratings from A.M. Best, but customer reviews indicate average satisfaction with their services.
What coverage options are available through Esurance and Liberty Mutual?
Esurance and Liberty Mutual offer standard auto insurance coverages, including liability, collision, and comprehensive, with additional options like roadside assistance and add-ons.
How does TruStage handle claims processing, and what is the average claim processing time?
TruStage offers a straightforward claims process with multiple filing options, such as online platforms and mobile apps, and aims to provide efficient service with a focus on reducing average claim processing time.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
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.
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