TruStage Auto Insurance Review (2024)

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. Among the different auto insurance companies in your area, TruStage Insurance Company may be one of them.

TruStage Insurance Company offers life insurance policies to individuals throughout the U.S. In addition, it partners with credit unions and insurance providers worldwide, allowing policyholders to purchase coverage that works best for their needs and budgets.

TrueStage offers direct premiums, easy access to claims filing, and 24/7 contact with company representatives. Trustage Insurance agency reviews suggest many policyholders are happy with their coverage and are quick to recommend TruStage insurance to others.

TruStage Auto Insurance Reviews and Complaints

TruStage does not offer auto insurance, but the company does help policyholders get quotes for Liberty Mutual auto insurance.

Liberty Mutual offers discounts on auto insurance to individuals who are credit union members and also offers various coverage options to fit individual needs.

Policyholders can file Liberty Mutual auto insurance claims in multiple ways. For example, 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 there are several benefits to purchasing auto insurance with Liberty Mutual, there are also some downsides as well.

For example, if you purchase auto insurance with Liberty Mutual, you may get 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.

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.

While customers give TruStage a B rating on the Better Business Bureau (BBB) website, Liberty Mutual has an A+ with BBB. Still, customers are happy with TruStage’s life insurance policies and claims handling process, while some Liberty Mutual customers complain that the claims process is not very helpful, their policies are too expensive, and their claims were not handled promptly or correctly.

TruStage Insurance Company Insurance Coverage Options

While TruStage does not provide auto insurance coverage, the company partners with Liberty Mutual to ensure its policyholders get the necessary coverage.

Liberty Mutual offers auto insurance with all the standard coverage options you’d expect, including:

• Liability auto insurance coverage
• Collision auto insurance coverage
• Comprehensive auto insurance coverage
• Uninsured/underinsured motorist coverage
• Medical payments coverage (MedPay)
• 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
• Original parts replacement

When you purchase car insurance with Liberty Mutual, you can purchase add-on coverage options that help you feel better prepared in case 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.

TruStage Insurance Company Insurance Rates Breakdown

While no TruStage car insurance reviews state exactly how much insurance is through Liberty Mutual, you can get quotes on the company website to see how much you’ll pay for auto insurance.

The nationwide average for auto insurance is $1,771 annually or $148 each month for a full coverage policy. If you choose minimum coverage in your state, you’re likely to pay around $545 annually or $45 monthly.

Remember that your driving record has a lot 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.

For example, while someone with a clean driving history pays $148 each month for full coverage, someone with one speeding ticket on their driving record will pay $178 each month for the same coverage.

Similarly, cheap auto insurance after an accident is much more difficult to find. An individual with one at-fault accident on their record will pay around $2,521 annually or $210 per month 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 for teens and young drivers comes 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.

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 car insurance with Liberty Mutual through TruStage 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 auto insurance discounts for:

• New drivers
• Multiple vehicles
• Good students
• Bundled policies

TruStage does not specify on its company website whether its discounts for auto insurance coverage are substantial. Some companies offer discounts of up to 25% on their car insurance coverage.

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, Liberty Mutual auto insurance through TruStage 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.

You can see by looking at the table that Liberty Mutual coverage could be expensive. Still, it’s a good idea to get quotes and see how much you’ll pay for coverage based on your unique factors.

If you are looking for cheap auto insurance in your area, you’ll need to find and compare quotes from multiple companies to avoid paying too much for coverage with a company like Liberty Mutual.

TruStage Auto Insurance Review: The Bottom Line

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.

If you have a life insurance policy with TruStage, you may be able to save money on car insurance with Liberty Mutual by bundling your insurance policies.

Liberty Mutual offers various coverage options to customize your car insurance policies, but customers are on the fence about 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 you’re 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 you decide on your coverage. Comparing quotes can help you ensure you don’t overpay for the coverage you need. Get quotes from multiple local companies with our free comparison tool below.