Grange Auto Insurance: Legit Or A Scam?

Grange Insurance is a legitimate company with a history spanning over eight decades. The company offers auto coverage to drivers in 13 states in the Midwest and Southeast, providing standard and customized insurance policies that adhere to local and regional driving laws. Grange stands out for its policy flexibility and wide range of coverage options, including pet protection, cracked windshield replacement, and coverage for family members in assisted living. However, its rates are higher than average, and it has mixed customer satisfaction reviews. While some customers praise Grange's affordable prices and excellent customer service, others complain about prolonged waits and issues with claims handling.

Grange Insurance's customer service and satisfaction

Grange Insurance is a regional company that offers auto coverage to drivers in 13 states in the Midwest and Southeast. It provides standard and customized insurance policies, with basic protection such as liability, collision, and uninsured motorist coverage, as well as a range of add-on coverage options. These include pet injury, mobile device, identity theft, and loan/lease gap coverage.

Grange Insurance has mixed customer reviews. While some customers praise the company's helpful and knowledgeable staff, others complain about prolonged waits. Overall, the company has below-average customer satisfaction ratings for auto insurance. However, it receives 9% fewer formal complaints than a typical insurer of its size.

> "I can not say enough about the people and help that I have received from Grange Insurance. My claim was closed the first part of February 2024... my car had been stolen... Right out of my driveway...then in August, I needed to renew my registration and the motor vehicle dept. wouldn't allow me to do it online as I had done in the past! Well, they wanted a receipt for the towing and storage until I got my vehicle back... Had all my paperwork but this. Contacted the claims dept., they were so helpful. They contacted my adjustor and she provided me not only with the needed paperwork but also support telling me that when I got to the motor vehicle dept. if there were any problems I could call her and she would talk to them... NOW THAT'S WHAT I CALL EXCELLENT CUSTOMER SERVICE. Claim closed in February and help needed in August!!!!"

> "I called customer service to have my policy adjusted and to verify that I had the best coverage in case I was missing anything. Unfortunately, the call was disconnected during our conversation. The representative quickly called me back, verified my identity, and continued giving me excellent service. I was able to adjust my policy and verify that my coverage and prices were correct. Loretta was knowledgeable, didn't rush me, and we talked like old friends. I recommend Grange to all of my friends and family based solely on my experiences with quality, actual representatives and their ability to take care of my needs."

> "I have to say this is the most affordable insurance company I have found out there. Not only that but I had an accident and Grange was fast and sufficient about the whole thing. I got a new vehicle and was afraid of the premium being higher due to the wreck and come to find out I was wrong it was cheaper for the new car than the one I wrecked. They are very nice and professional and I will continue with Grange for as long as needed."

Grange Insurance's pros and cons

Grange Insurance Pros:

Grange Insurance has several pros, including:

• Well-established carrier with decades of experience in the insurance industry.
• Online claims reporting and 24/7 claims reporting hotline.
• Prompt claims response timeframe.
• Detailed claims processes.
• Many forms of coverage available, including home and auto insurance, business insurance, umbrella insurance, and more.
• High ratings from A.M. Best and the Better Business Bureau (BBB).
• Strong financial stability.
• Good customer feedback.
• Local agents available.
• Offers a range of discounts.

Grange Insurance Cons:

There are also some cons to consider when it comes to Grange Insurance:

• Not a BBB-accredited business.
• Coverage is not available nationwide—only available in 12 or 13 states, mostly in the Midwest and Southeast.
• Digital tools lack functionality, according to app reviews.
• Higher-than-average complaints.
• Mixed customer satisfaction reviews.
• Cannot get a quote online.

Grange Insurance's cost

The cost of Grange Insurance varies depending on the type of insurance and the level of coverage. Here is a breakdown of the costs:

Car Insurance Costs:

Grange Insurance offers both full coverage and minimum coverage car insurance policies. According to Bankrate, the average cost of full coverage car insurance from Grange is $1,850 per year, while the average cost of minimum coverage is $686 per year. These costs are higher than the national average, with full coverage costing 25% more and minimum coverage costing 7% more than the average. Grange's car insurance rates are usually more expensive than average, especially for teen drivers, where an 18-year-old pays about 28% more with Grange. However, if you have a DUI, minimum coverage through Grange is 6% cheaper than average, at $58 per month.

Home Insurance Costs:

For home insurance, Grange offers coverage options such as underground service line coverage, furnace and central air coverage, assisted living coverage, identity theft and personal cyber insurance, umbrella insurance, high-value property coverage, and back-up of drains and sewers coverage. The average cost of home insurance from Grange is $2,006 per year for $300,000 in dwelling coverage, which is also higher than the national average of $2,270 per year for the same coverage amount. Grange's home insurance costs about $1,020 per year, which is around 16% more than the average.

Grange Insurance's availability

Grange Insurance is a regional company that offers auto coverage to drivers in 13 states in the Midwest and Southeast. These states are:

• Georgia
• Illinois
• Indiana
• Iowa
• Kentucky
• Michigan
• Minnesota
• Ohio
• Pennsylvania
• South Carolina
• Tennessee
• Virginia
• Wisconsin

The company is headquartered in Columbus, Ohio, and does the most business in this state. Grange Insurance works through independent agents in these 13 states. You can find an agent near you by searching for your Zip Code, city, or agency name on their website.

Grange Insurance's claims

Grange Insurance is a regional company that offers auto coverage to drivers in 13 states in the Midwest and Southeast. It provides standard and customized insurance policies, including basic protection like liability, collision, and uninsured motorist coverage, as well as add-on coverage options like full glass repair, towing, and pet injury protection.

The process of filing a claim with Grange Insurance is straightforward. The company provides a 24-hour claims phone line that customers can call to report and track their insurance claims. Additionally, customers can access and manage their claims through Grange Insurance's website.

There are several reviews highlighting positive experiences with Grange Insurance's claims handling process. One customer praised the company for its excellent customer service, stating that their claim was handled efficiently and that the company provided all the necessary paperwork. Another customer shared that Grange Insurance was fast and sufficient in handling their accident claim, and they received a fair settlement.

However, there are also reviews mentioning prolonged waits and mixed customer satisfaction when dealing with claims. It is always important to review the terms and conditions of your specific policy to understand the claims process and any applicable exclusions or limitations.

Frequently asked questions