TruStage Auto Insurance Review (2024)

Whether you’re a first-time car buyer looking for a new auto policy or you’re shopping for better prices to replace the one you currently have, TruStage auto insurance could be the answer you need.

TruStage is an insurance provider offering a variety of coverage types — auto, life, property, A&D, and health — that primarily serves credit union members. While TruStage underwrites many of its own policies, the company partners with Liberty Mutual Insurance to provide auto coverage. While TruStage is a mid-sized company, Liberty Mutual insurance company is a large insurer with a long-standing presence in the industry.

In this guide, we’ll take you through the ins and outs of TruStage’s coverage options, bundling and discount opportunities, special programs available to their customers, and how the company stacks up against others in the industry.

Auto Insurance Offerings

Whether you’re only looking to meet your state’s minimum insurance requirements to add additional coverage for reassurance, TruStage’s partnership with Liberty Mutual can meet your car insurance needs.

Through Liberty Mutual, TruStage auto insurance includes the following potential coverage options:

• Liability. Provides compensation for damage and injuries inflicted by you on another driver, their passengers, and their vehicle
• Collision. Pays for damages to your vehicle incurred during an accident
• Comprehensive. Reimburses you for repairs after non-accident incidents like hail, graffiti, flooding, or falling trees
• New car replacement. Provides funds to purchase a replacement for a new car if it’s totaled in an accident
• Better car replacement. Pays for a car one model year newer if you total your car in an accident
• Rental car. Covers you for collisions or damage in rented cars
• Gap. Pays the remaining amount owed on an auto loan if you total your car before you’ve paid your loan balance in full
• Roadside assistance. Provides non-accident assistance, including jump-starts, tire changes, and battery replacements
• Medical. Pays the cost of any medical treatments you need after an accident
• Uninsured motorist. Provides additional compensation after you get in an accident with an uninsured or underinsured driver
• Personal Injury Protection (PIP). Addresses any additional physical injuries after an accident

Bundling Options

TruStage offers a variety of insurance coverages other than auto policies, including:

• Life insurance
• Health insurance
• Accidental Death and Dismemberment (A&D) insurance
• Property insurance for homes, condos, and rentals

TruStage insurance agency also offers a bundling discount for customers who sign up for multiple policies with TruStage. Even though they provide car insurance through a partnership with Liberty Mutual insurance company, you can still receive a discount for bundling an auto policy with one of TruStage’s self-underwritten coverage plans. While the exact discount amount for bundling isn’t publicly available, you can inquire about potential bundling benefits with a TruStage agent.

Potential Discounts for Policyholders

TruStage offers three major discount opportunities for auto insurance policyholders:

• The Credit Union Discount offers a lower rate simply for being a credit union member.
• The Multi-Car Discount for drivers with multiple vehicles on their auto insurance program.
• The Claims-Free Discount reduces customers’ rates after maintaining enrollment in a TruStage auto policy for at least a year without filing a claim.

In addition, Liberty Mutual — TruStage’s auto insurance partner — also offers discounts:

• Homeowner Discounts. For policyholders who own their homes
• Military Discounts. For active duty, reserved, or retired armed forces members
• Early Shopper Discounts. For drivers who switch to Liberty Mutual before their current policy expires
• Good Student Discounts. For students who maintain a B average or above
• Student-Away-at-School Discounts. For guardians whose college-aged children only occasionally drive a car on their auto policy while they’re visiting home
• Accident- and Violation-Free Discounts. For drivers with clean records
• The RightTrack Discount Program. For drivers who install a driving activity monitoring device in their car

TruStage combines the client-friendly bonuses of a smaller insurer with the larger-scale discount options of a mainstream insurance company like Liberty Mutual.

Special Programs

TruStage provides a repair database program called the Guaranteed Repair Network. There are a variety of benefits for using a Guaranteed Repair Network Shop:

• Liberty Mutual can directly pay the shop for repairs after an accident.
• Liberty Mutual customers receive priority scheduling for repairs.
• There are over 2,000 Guaranteed Repair Network Shops in the United States.
• Liberty Mutual guarantees all repairs for the entire life of your vehicle.

TruStage’s Industry Standing

TruStage’s underwriter, CMFG Life Insurance Company, currently maintains an A rating by A.M. Best, a third-party insurance company rating agency that determines insurance companies’ financial health. An A rating is the third-highest rating and indicates excellent financial health.

In addition to an A.M. Best rating, Liberty Mutual also receives ratings from S&P Global and Moody’s Investors Service. A.M. Best provided an A rating (the third-highest), Moody’s assigned an A2 rating (the sixth-highest), and S&P gave an A rating (the sixth-highest). While all three ratings are excellent, the sixth-highest ratings indicate that the company is financially healthy but more likely to be affected by major market events like a financial recession.

Let Us Help You Compare Auto Insurance Rates

TruStage auto insurance, provided by Liberty Mutual, offers drivers an excellent opportunity to sign up for full-spectrum coverage, take advantage of a variety of discounts, bundle policies, and use a vetted network of auto repair shops. For drivers seeking the customer care of a small insurer with the discounts afforded by larger firms, TruStage is an excellent choice.

How can you be sure that you’re getting the best bang for your buck when it comes to auto insurance? Our policy and rate search tool can help you compare numerous auto policies on one streamlined, easy-to-use platform. Instead of opening thirty tabs to explore individual insurers, try our simplified search tool.

If you’re ready to purchase an auto policy from insurance professionals that works for your car, your budget, and your coverage needs, we’re here to help.