Is Grange Good for Auto Insurance?
Last Updated on September 13, 2019
Grange is one of the many regional auto insurance providers you can choose from in the United States. They primarily service the midwest and southeastern portions of the US, and they’re known for their excellent customer service. In this article, we’ll review Grange’s auto insurance offerings, so you can decide if it’s the right fit for you.
What types of auto insurance does Grange offer?
Grange offers the standard auto insurance products that you would expect from an insurer in the United States. They also offer add-ons and other features that you can use to customize your insurance policy. They offer liability insurance, which is required by law in most states. Liability insurance covers your financial responsibility to any third parties involved in the accident. You can also opt to add comprehensive, collision, and personal injury protection insurance. All of these types of insurance will cover your own individual costs in an accident. While they are not required, they are beneficial to have. Collision and comprehensive insurance cover damage to your car, while personal injury protection covers your medical costs. Another popular type of insurance that they offer is underinsured/uninsured motorist coverage. This ensures that if you get hit by someone who doesn’t have enough insurance to cover the damages, you will still receive financial support.
There is a wide range of add-ons that you can use to extend your car insurance coverage with Grange. For example, they also offer roadside assistance, which covers the cost of a tow truck if you break down on the road. You can also add identity theft coverage to your policy, which is something that many car insurance companies don’t offer. However, this can be very helpful, as identity theft can leave you without access to the finances you need to pay your bills.
Grange also offers glass repair coverage that you can use as an alternative to comprehensive insurance. It’s much more affordable and will cover the cost of getting your windshield and windows repaired if they are damaged. You can also opt for pet coverage, which will cover veterinary treatment if your animal is injured in a car accident, as well as mobile device protection, which will cover the cost of mobile repairs or replacement if it is damaged in the crash. These are just a few of the additional coverage options that Grange offers to make your coverage more comprehensive and personal. Your insurance agent can educate you about all of the different riders that they offer to make sure you get the coverage you need.
Does Grange offer any discounts?
Grange does offer some standard discounts to their customers. One of their biggest discounts is for drivers who go accident-free for a certain period, usually three years or more. Grange also offers discounts for taking defensive driving classes. These discounts encourage drivers to practice safe behaviors. They also offer discounts for drivers who pay their entire premium in full, instead of in monthly installments, or drivers who bundle their insurance together and also purchase home, life, or business insurance with Grange. Finally, Grange offers a wide variety of other discounts, including discounts for driving a hybrid vehicle and discounts for being a good student. Ask your insurance agent if you qualify for one of the many discounts that Grange offers.
What are the advantages of Grange?
The biggest advantage of getting your auto insurance through Grange is that they offer incredible customer service. Since they are a regional company, you can work with locally-based insurance agents to find the policy that makes the most sense for your needs. They only sell their policies through independent agents, who tend to be less biased and put your needs first.
Grange has an excellent claim filing process. You can file a claim in person at one of their claims centers, by calling their claims line, or by using their online portal. The process is very straightforward, and it’s easy to contact an agent directly. While other companies might have you go through a phone menu and put you on hold, this is unlikely to happen with Grange.
Grange has a positive financial rating from AM Best. While their score isn’t quite as high as some other insurance companies, they are still very trustworthy and reliable. They consistently get good reviews from customers, and they don’t receive far fewer complaints than the average insurance company.
What are the disadvantages of Grange?
The most significant disadvantage of Grange is that it is slightly more expensive than most other insurance companies. However, their premiums are not too much higher than average, and you are getting far better customer service than you would with different insurance companies. The other disadvantage of Grange is that they are not available in all 50 states. If you move to a state where Grange isn’t available, you may have to change insurance providers.
The Bottom Line
If you live in one of the states where Grange is offered, it’s worth looking at as an insurance option. They provide vast coverage options and have excellent customer service. They are best for people who care most about getting the best coverage, as opposed to just getting the most inexpensive policy. Their coverage options will give you peace of mind, knowing that you can adjust it to suit your needs and that you can quickly contact a representative if you need assistance.
