Grange Car Insurance Review

Introduction

Regional insurer Grange Insurance is based in the Upper Midwest. Customer service is top-notch, and there are many insurance options to choose from. However, the pricing is a tad on the high side.

Pros and Cons

Unique Grange Auto Insurance Features

Grange provides a solid range of additional coverages beyond the basics for a smaller insurer.

• Roadside assistance which covers the cost of a tow truck if your battery dies, you run out of gas, or you require a tow.
• Glass repair which covers the cost of repairing your windows or windshield if they can be repaired rather than replaced. The deductible is typically lower than that of standard comprehensive/collision coverage.
• Pet injury that pays for your pet's medical care if it is injured as a result of a covered crash or incident.
• Mobile device that covers damage to your mobile device as a result of a covered crash or incident.
• Identity theft that covers the costs of having your identity stolen.
• OEM part coverage ensures that when your car is repaired, it will receive genuine manufacturer parts (after a covered crash).
• Loan/lease gap coverage which pays the difference between the value of your car and the amount owed on your loan or lease if it is totalled or stolen.

Grange Auto Insurance Coverages

Grange offers both standard car insurance and policy add-ons. The availability and limits of each coverage may differ from state to state. Because Grange sells its products through independent agents, you should contact them if you have any questions about your eligibility. Grange auto insurance provide these coverages as of now.

• Liability coverage
• Uninsured/Underinsured motorist coverage
• Comprehensive coverage
• Collision coverage
• Medical payments/Personal injury protection

Depending on the coverage, Grange customers may be eligible for a 30-day grace period when adding new vehicles to their policies. To understand more, check out types of auto insurance coverage in the US.

Grange Auto Insurance Rates

It costs around $2,099 per year for a full coverage auto insurance premium with Grange, which is $175 per month. For minimum coverage, the average annual cost is $748. The rates provided by Grange are cheaper compared to those of major providers such as State Farm, Progressive, and Allstate. The rates may vary based on your location, driving record, age, credit score, and vehicle model. It is recommended that you get a personalized quote from Grange for more accurate pricing based on your requirements.

Grange Car Insurance Rates By Age

Grange Average Insurance Cost By State

Grange Auto Insurance vs Competitors

For Single Driver (30)

For Married Couple (35)

For Couple (50) with daughter (16)

For Retired couple (65)

Grange Auto Insurance Discounts

Grange's auto insurance discounts can help you save money on your insurance. Policyholders who combine their auto insurance with other products such as home insurance or life insurance will receive a discount on each policy, as do many other companies. You should be aware that some of these discounts may only apply to specific coverages. Following are the discounts provided by Grange.

• Advanced purchase discount
• Multi-car discount
• Multi-policy discount
• Good student discount
• Student away at school discount
• Passive restraint discount
• Mature driver discount
• Defensive driving discount
• Full payment discount
• Anti-theft discount
• Safe driver discount
• Electric or hybrid vehicle discount
• Grange complaints and customer satisfaction

Grange Complaints and Customer Satisfaction

Grange has a long-standing “A” financial strength rating from A.M. Best, and financial strength is a critical consideration when it comes to purchasing insurance. They got some solid customer feedback that will suffice the fact that they provide excellent customer service. The complaints raised were minor according to National Association of Insurance Commissioners (NAIC).

Way.com Summary

We would give Grange auto insurance a 3.5/5 ratings. To get the most out of Grange's vehicle insurance, clients should prefer working with an insurance agent rather than getting quotes or purchasing a policy on the internet. For those who are eligible, the company offers a wide range of insurance discounts that can lower their costs. Additional benefits like accident forgiveness and new car replacement are not mentioned on the Grange website. Check the fine print of the insurance before purchasing and make sure to ask your agent directly if these features are included.

Whether you live in one of Grange's 13 serviced states or simply want to compare your insurance alternatives before making a final decision, we urge you to research on the best auto insurance companies. When purchasing auto insurance, it's generally a good idea to compare rates from different companies.

About Grange Car Insurance

Since 2002, Grange Insurance has been associated with Integrity Insurance. Both companies sell low-cost and customizable auto, life, homeowners, renters' umbrella, motorcycle, boat, and business insurance in 13 states, including Iowa, Illinois, Georgia, Indiana, Michigan, Kentucky, Pennsylvania, Ohio, Minnesota, Tennessee, South Carolina, Virginia, and Wisconsin.

According to the National Association of Insurance Commissioners (NAIC), the Grange Mutual Casualty Group wrote more than $574 million in private passenger auto premiums and more than $1.23 billion in total premiums across all lines in 2018.

A Brief History of Grange

Grange Insurance is a mutual insurance company founded in 1935 to provide affordable car insurance to National Grange Patrons of the Husbandry members. It is headquartered in Columbus, Ohio and has an A- rating from AM Best.

Grange’s Charitable Causes

Grange Insurance got Grange Insurance Gives, a donor-advised fund operated by The Columbus Foundation, to further demonstrate its deep commitment to serving the community and strengthen its existing extensive community relations program. The Columbus Foundation and Grange work together to monitor the assets' investments and expenditures, including philanthropic donations to a variety of non-profit organisations that help alter lives, offer comfort, and enrich the neighbourhood.

Grange Insurance has a well-known community relations programme that involves financial support, volunteerism, and in-kind donations in the areas it serves. During the past two years, the corporation and its employees have donated nearly $1.4 million to non-profit organisations.