TruStage auto insurance reviews are in abundance online. Compared to traditional insurance agency providers, TruStage holds a different role when helping you to get the insurance that you need. It is particularly beneficial for people who are members of a credit union and are looking for the cheapest premiums possible.
If you’ve been deciding between signing with a regular insurance provider and using TruStage to help you find the right insurance policy, it’s important to consider the pros and cons of the service.
TruStage Auto Insurance: An In-Depth Look
Developed originally to be a life insurance company, TruStage Insurance program has diversified their portfolio and now offers auto insurance and homeowners insurance as well.
Their main objective is to refer clients to other insurance providers for the right insurance coverage. However, along the way, they assist users in finding the best discounts.
The two insurance companies that TruStage works with for car insurance are Esurance (Allstate company) and Liberty Mutual Insurance Company. By working with these two insurance agencies, a credit union member will have access to the best deals that regular signees may not be aware of.
However, there has been some speculation in regards to the quality of the offers and the true amounts they can help you to save. Let us look at what these two offer.
What Type of Auto Insurance Is Available?
There is plenty of insurance add-ons and packages that you have available to you when you decide to work with TruStage. This is because all of the policies are available through both Esurance and Liberty Mutual.
You’ll be able to browse through liability coverage, collision coverage, and comprehensive coverage, as with any other insurance provider. In addition, you’ll find other types of standard coverage, including:
- Uninsured motorist coverage
- Underinsured motorist coverage
- Medical payments
- Personal injury protection coverage
For many, the add-ons to traditional policies are what may sway a driver to a specific insurance provider over another. It is quite important to make sure you choose a car insurance company that has many additional elements you would like to add to your insurance policy.
Some of the most notable add-ons that you’ll find include:
Esurance
- Emergency Roadside Assistance
Your collision and comprehensive coverage won’t come into effect until you get to an auto shop. Before then, you will need emergency roadside assistance to cover the cost of towing or any other service fees.
- Rental Car Insurance Coverage
If your insured vehicle is in the shop, requiring you to rent a car, your rental car coverage will cover the fees. With Esurance, you will need both collision and comprehensive coverage in order to add this package.
- Loan/Lease Gap Coverage
This type of specific coverage is ideal for people who are leasing or who have recently purchased a new vehicle. In the event of an accident where your car is declared a total loss, your auto loan/lease gap coverage helps to cover most, if not all, of the money owed to the lienholder.
Liberty Mutual Insurance
- Better Car Replacement Program
One of the most beneficial aspects of Liberty Mutual is their Better Car Replacement insurance program. If your car is declared a total loss, you will receive money for a replacement car that is one year newer and has 15,000 miles less than your insured vehicle.
- Towing and Labor
Similar to roadside assistance, the towing and labor add-on is ideal for any situation where your car needs to be towed or repaired.
- Rental Car Coverage
After an accident, if you need to rent a vehicle, having this add-on means that you will receive a reimbursement for the cost of the replacement vehicle.
How to Sign up for TruStage Auto Insurance Program
Using TruStage is incredibly simple, which is why it’s such a popular resource for members of a credit union. In basic terms, all you have to do is visit the company’s website, input your information, and be directed to one of two insurance providers’ website.
In fact, you will have very limited interaction with TruStage, as they simply direct you to the best insurance provider for your area and your needs. After that, all of your dealings are with the specific provider you have chosen.
It’s highly recommended that you call TruStage as well, as you will have the ability to discuss your specific insurance needs with a licensed agent. They’ll not only give you the information you need to make the right decision but also to find discounted rates and pricing catered to your needs. It’s a step-by-step process that you will be led through with the help of insurance professionals.
With such a streamlined user experience, it’s far simpler than many other resources designed to help you find insurance.
TruStage Auto Insurance Customer Reviews
There surely is a general consensus that TruStage is an incredibly user-friendly platform that can help you to find discounts on your insurance simply by having a credit union membership. However, some customers have noted that discounts don’t help you to save a lot of money in the long run.
TruStage reviews have also noted that it’s difficult to compare both Esurance and Liberty Mutual to one another, as once you receive an online quote, you can view one or the other. There aren’t any comparison charts to look at to help you choose. With that said, it’s important to do some research on your own.
As the savings for credit union members aren’t very significant, it’s highly recommended that you still continue to compare quotes from other insurance providers as well. You may find that discounts from other companies, such as State Farm and Allstate, will help you to save more.
Is TruStage Auto Insurance Worth the Time?
If you’re in the market for a company that can help you to find the best policy from either Liberty Mutual or Esurance, TruStage is surely worth the time. In addition, credit union members should take the time to explore their options to find the best deals. It’s an incredibly simple process that may take a few minutes, at most.
Final Thoughts
With all of the TruStage auto insurance reviews online, it’s easy to decide whether this insurance-finding service is right for you or not. In order to be the most informed about auto insurance discounts in your area, it’s highly recommended that you take the time to use it to your advantage.
Either online or with a simple phone call, you can easily find the perfect policy with the help of their experts.
