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  Grange Auto Insurance

Grange Auto Insurance

in Auto Insurance from Grange

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Grange Auto Insurance

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in Auto Insurance from Grange

Net Recommendation Score +100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Financial Strength Rating A-

Grange Auto Insurance Review

Grange is a car insurance carrier based in Columbus, OH. The insurance company was founded in 1935 and offers car insurance in 12 states in the USA.

If you're considering whether Grange auto insurance is a good option for you, read on.

Grange auto insurance Pros & Cons
Pros Cons
  • 24/7 Phone availability
  • Locally available agents
  • Digital claims reporting
  • Emergency roadside assistance
  • Rental car coverage
  • No free policy cancellation
  • No accident forgiveness
  • No ridesharing coverage
  • No transport trailer coverage
  • No travel expenses or trip interruption coverage
  • Does not offer many vehicle equipment discounts
Grange auto insurance FAQ

What types of car insurance coverage options does Grange auto insurance offer?

Although we often talk about car insurance in the singular, it really includes several types of coverage options. Grange auto insurance offers the following types of car insurance coverage options:

  • Bodily Injury Coverage: This insurance pays for your legal defense and for the costs associated with injuries to other people involved in an accident. 
  • Property Damage Coverage: Usually, this insurance will look after the property damage you cause to another vehicle or property when at fault in an accident.
  • Uninsured Motorist Coverage: The uninsured motorist rider covers the damages caused by a negligent driver who doesn't have an insurance policy.
  • Underinsured Motorist Coverage: This covers the damages caused by a driver who is at-fault but whose liability limits don't cover all the property damages and medical expenses of the accident.
  • Collision Coverage: Collision coverage is an optional policy that pays for the cost of repairing or replacing your vehicle after an accident. If you have an auto lease, the lender may require you buy collision insurance.
  •  Comprehensive Coverage:If your vehicle is damaged in an event other than a collision, comprehensive coverage will pay for the cost of the repair. Covered events include storms, floods, fire, vandalism, and theft.
  • Medical Payments Coverage: Medical payments insurance covers for the medical costs caused by an accident regardless of who is at fault. Most insurance policies will also cover funeral expenses.
  • Personal Injury Protection: Personal injury protection, also known as PIP, typically covers medical expenses, loss of essential services, funeral services, and loss of income. It is similar to medical payments coverage, or MedPay for short. The difference is that MedPay will only cover for reasonable medical expenses.

Grange auto insurance customers can also add the following riders or endorsements to their insurance policies:

  • Rental Car Coverage: Rental car coverage, also known as rental car reimbursement, pays for the cost of a car rental if you can't drive your vehicle because of a covered loss, such as a car accident, theft, or vandalism.
  • Loan / Lease / GAP Coverage: GAP coverage covers the difference between what you owe on your vehicle and its current cash value in the event of a total loss.
  • Emergency Roadside Service: Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.

Does Grange auto insurance have roadside assistance?

Emergency Roadside Service available. Yes, Grange offers roadside assistance to policyholders. Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.

Does Grange auto insurance offer ridesharing insurance?

No, Grange auto insurance does not offer ridesharing coverage as a rider or endorsement.

What benefits does Grange auto insurance offer?

Grange auto insurance offers the following benefits to its customers:

  • 24/7 Phone Availability: Customer service is staffed around the clock.
  • Local Agents: Perfect for people who prefer the personal touch of a local insurance agent.
  • Digital Claims Reporting: Never fax or mail a document again.
  • Mechanical / Auto Body Repair Network: Enjoy the competitive prices and peace of mind of having access to a network of service and repair shops.

What insurance discounts does Grange auto insurance offer?

When you ask for an insurance quote with Grange auto insurance, make sure you ask for all the insurance discounts you qualify for. These are the insurance discounts currently available that are specific to car insurance.
  • Alternative Fuel / Hybrid: For some reason, possibly because they drive fewer miles, people who own hybrids or alternative fuel vehicles pose a lower insurance risk. If your car is green, make sure you earn the rewards.
  • Internal Safety Features: Grange auto insurance offers additional savings if you have seatbelts, airbags, and similar safety features. Ask what other safety features on your car will trigger an inurance discount.

Want more insurance discounts? Check the insurance discounts tab for a full list of general policy insurance discounts you can qualify for with Grange auto insurance.

How does Grange calculate insurance rates?

Car insurance companies guard their risk-assessment algorithms as a trade secret, and Grange is no exception. However, you can be confident that Grange auto insurance will take into consideration your driving record, age, gender, marital status, and address.

Other factors it will take into consideration are your vehicle (make and model), insurance history, and how you use your car.

Does Grange auto insurance use your credit score?

It is safe to assume that, when legal, a car insurance company will use your credit score as a rating factor. There are two exceptions.

  1. If you live in California, Hawaii, or Massachusetts, a car insurance company is not allowed to use your credit report as a rating factor.
  2. There are also a handful of car insurance companies that base their insurance rates exclusively on telematic data. These companies collect information on your driving behavior and use it to determine the risk you pose as a driver.

How can I get a Grange auto insurance insurance quote

  • Visit the Grange website.
  • Fill out the insurance online quote application form. You will typically need to provide personal information, such as your name, vehicle, driver's license, and address.
  • Check the information is accurate and submit your application.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Grange Auto Insurance

You need quality auto insurance coverage you can depend on in your time of need, plus policy options to fit your lifestyle. Grange Insurance offers customizable auto insurance to meet your needs at any chapter of your life. We offer varying levels of great coverage to help you get extra protection where you need it or save money where you can. With Grange’s customizable policy options, you and your independent agent can choose the right car insurance for you.

Talk to your independent insurance agent today about which coverages are most important to you, like these: Underinsured/uninsured motorist coverage. If you were to get hit by someone with minimal or even zero car insurance, do you want your policy to cover the gaps? Roadside assistance. If you had a roadside emergency, like running out of fuel or engine trouble, would you like fast, safe and reliable roadside service without the out of pocket cost? Full glass repair. If you have a nasty crack in your windshield, what are you okay – and not okay – with paying out of pocket? Rental car reimbursement. Do you have a friend willing to be your chauffeur or will you need another vehicle to get you to and fro while your car’s out of commission? Pet injury and mobile device. What other precious cargo rides along in your car with you? Identity theft. What's your risk for identity theft if your car is stolen or broken into? Original equipment manufacturer coverage. Do you want to ensure parts from the original manufacturer are used when your car is repaired?Loan/lease gap coverage. You’d hate to think you’re unlucky, but it happens all the time. People drive their brand new ride off the lot and shortly thereafter find themselves in a total loss accident. How much do you still owe on your loan or lease, and are you willing to pay the difference between that and your car’s actual cash value if you got in an accident? Personal umbrella. Do you have the funds to pay a jury award or settlement if someone sued you for property damage or injuries from an accident you caused? Boat, recreational vehicle and motorcycle insurance. Are you taking advantage of multi-policy discounts for all the vehicles you own?

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Availability

  Available in 12 states
  • Georgia
  • Illinois
  • Indiana
  • Iowa
  • Kentucky
  • Michigan
  • Minnesota
  • Ohio
  • Pennsylvania
  • South Carolina
  • Tennessee
  • Virginia

Feature Breakdown

Policy Discounts
  • Claims Free
  • Defensive Driver / Safety Course
  • Full Payment
  • Good Student
  • Multiple Policy
Vehicle and Equipment Discounts
  • Alternative Fuel / Hybrid
  • Internal Safety Features (Air Bags / Seat Belts)
Liability Vehicle Insurance
  • Bodily Injury Coverage
  • Property Damage Coverage
  • Uninsured Motorist
  • Underinsured Motorist
Medical Vehicle Insurance
  • Medical Payments Coverage
  • Personal Injury Protection
Vehicle Coverages
  • Comprehensive
  • Collision
Financial Strength Rating A-
Carrier Features
  • 24/7 Phone Availability
  • Locally Available Agents
  • Digital Claims Reporting
  • Mechanical / Auto Body Repair Network

Grange Auto Insurance Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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