Grange car insurance review November 2018 | finder.com

Grange car insurance review November 2018

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Personalized local car insurance for drivers in the Midwest and Southeast

If you’re looking for a bit more of a customized touch than you might get with a larger national auto insurance company, Grange Insurance might be worth a look. Compare Grange car insurance policies and how you can score a discount with this local company.

Description Grange car insurance is ideal for drivers in the Midwest and Southeast who want safe driving discounts, local insurance agents and customized insurance plans.
States served Georgia, Illinois, Indiana, Iowa, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia, Wisconsin
Roadside assistance Optional
Pay schedule 12 months, monthly
Claims methods online
New car protection No

Pros

  • Local agents and friendly customer service
  • Easy-to-use online account
  • Customized insurance plans

Cons

  • Limited availability based on location
  • Customer complaints of delayed claims processing
Defensive driving discount Yes
Good student discount Yes
Loyalty discount No
Homeowner discount Yes
Military discount No
Safety device discount No
Special employment discount No
Usage-based discount No
Other discounts Hybrid/Electric Vehicle Discount, Driver Training Discount up to 8%

Find the cheapest rates

Compare the best car insurance companies near you.

Your information is secure.

Who is Grange Insurance best for?

Grange car insurance is available for drivers in Georgia, Illinois, Indiana, Iowa, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia and Wisconsin.

This insurance provider is best for those who are looking for a local insurance provider with personalized service rather than a larger national company. If you also have a home or business that needs to be insured, bundling your auto insurance policy with Grange Insurance’s other insurance options can help you save even more.

What is Grange Insurance?

Grange Insurance, which is a completely separate entity from Grange Insurance Association, first spread its roots in Central Ohio in 1935. The company originally offered insurance options to residents of Ohio, but early success eventually led to its expansion outside of the state in 1958. Today, Grange Insurance offers personalized home, auto, business and life insurance policies to residents across 13 states.

What car insurance coverage does Grange offer?

Grange Insurance offers a wide range of auto insurance coverage options, including:

  • Bodily injury liability. Covers medical and funeral expenses for an accident you’re found legally responsible for. Most states require this coverage.
  • Property damage liability. Most state require coverage to property damages for an accident you’re found legally responsible for.
  • Collision. If your car is damaged in an accident, collision coverage will pay for the cost of repairs. If you have a car loan, your bank will probably require this coverage.
  • Comprehensive. Coverage for anything other than collision damage, such as theft, fire or vandalism. Some banks may require comprehensive coverage if you’re making car loan payments.
  • Uninsured or underinsured motorist. If you’re hurt or your car is damaged in an accident caused by someone else with insufficient or no insurance, your covered.
  • Full glass repair and towing and labor. Covers the cost of broken or cracked glass. Also pays for towing and labor costs if something happens and you need assistance, like locking yourself out of your car.
  • Rental car reimbursement. Reimburse you for the cost of your rental car while yours is being fixed after a covered accident.
  • Pet injury and mobile device coverage. Get coverage for medical bills for injured pets, as well as damaged mobile devices in the event of an accident.
  • Identity theft. If your car is stolen or broken into, you could be at risk for identity theft. This will cover you in case your personal information is compromised as the result of a covered accident.
  • Original equipment manufacturer coverage. This coverage ensures that parts from your car’s original manufacturer are used when it is repaired.
  • Loan or lease gap coverage. If you’re making payments on your car and total it in an accident, this protection will cover the difference in cost between what the car is worth and what you still owed on it.
  • Personal umbrella. Covers the jury award or settlement if you’re sued for property damage or personal injuries that were legally caused by you in an accident.

Grange car insurance rates

As with any insurance company, your car insurance rate with Grange Insurance varies based on your insurance score, which looks at factors like your credit score and accident history. Grange agents help you find a customized insurance package that fits into your budget. Pick and choose your coverage options to pay an amount you’re comfortable with.

Find the cheapest rates

Compare the best car insurance companies near you.

Your information is secure.

What car insurance discounts can I get with Grange?

Car insurance discount opportunities with Grange Insurance can vary based on your state, so be sure to discuss your options with your local agent before finalizing your policy. Below are a few of the general ways you can save with Grange car insurance.

  • Insurance bundle. Grange also offers boat, RV, motorcycle, home, business and life insurance policies. Bundle these with your car insurance to get a better rate.
  • Good student discount. If you have a teen on your policy and they excel in the classroom, your monthly premium could drop.
  • Distant student discount. If your teen driver is away at college, you can make them an occasional or pleasure driver on your policy and save.
  • Safe driver discount. If you and the other drivers on your insurance policy have clean driving records, you could get a deal on your monthly premium.
  • Paid-in-full discount. You might be able to snag a discount if you pay your insurance premium for the year in one lump sum instead of spreading it over 12 months.

Does Grange Insurance offer any special programs?

In addition to your car or truck, Grange Insurance will also insure speciality vehicles such as:

  • Motorcycles
  • Boats
  • RVs and travel trailers
  • ATVs
  • Snowmobiles
  • Antique and classic cars
  • Golf carts

What’s not covered by Grange?

Grange Insurance only serves drivers in select states: Georgia, Illinois, Indiana, Iowa, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia and Wisconsin.

Grange doesn’t offer any information about any major exclusions or coverage maximums, so you’ll have to check with your local agent if you have any questions about what’s not covered.

Pros and cons of Grange car insurance

Pros

  • Customized insurance plans. No matter your budget, Grange Insurance will work with you to create a car insurance policy that meets your needs.
  • Easy-to-use online account. Create an online account with Grange and easily file a claim, pay your bill, print insurance cards and more.
  • Personalized customer service. Grange Insurance uses local agents so you’ll have someone to help you understand your policy that you can call or visit who’s in your neighborhood.

Cons

  • Limited customer base. Grange Insurance is only currently available to drivers in 13 states.
  • Claims process can be delayed. Some customers complain that their claims process took too long to complete, leaving them without payment or reimbursement for longer than expected.

What do customers say about Grange Insurance?

Grange Insurance has been accredited with the Better Business Bureau since 1970 and earns an A+ rating. For the most part, customers are happy with friendly and helpful customer service representatives, as well as the company’s competitive auto and home insurance rates. Lots of loyal customers have had Grange Insurance for more than 30 years.

However, there are some complaints from people who have been involved in an accident with Grange customers who feel that the company delayed the claims process and made it difficult to get answers about their claim from a customer service rep.

While a slow claims process isn’t something you want to hear from customer reviews or experience first hand, it’s a fairly typical complaint of insurers, and Grange seems to have fewer complaints than many of the big-name providers.

How to apply for Grange car insurance coverage

Grange offers auto insurance through local agencies, so you’ll need to talk to a local provider to get a quote.

  1. Go to Grange Insurance’s website and click Find an Agent.
  2. Enter your ZIP code and choose from the list of Grange Insurance providers on the map.
  3. Contact the provider you wish to use to begin the process of customizing your policy.

What info do I need to apply?

The information you’ll need to apply for car insurance may vary based on the local provider you choose. Generally speaking, have the following information on hand:

  • Your basic personal information, such as your name and address.
  • Your car’s VIN or the make, model and package of the car you’d like to insure.
  • Information for any drivers you’d like to add to your policy.

How do I find a Grange Insurance agent near me?

To find an agent near you:

  1. Go to the Grange Insurance website homepage and click Find an Agent.
  2. Enter your ZIP code on the next page, and you’ll see a list of providers in your area.

How to make a car insurance claim with Grange

If you need to file a car insurance claim with Grange Insurance, you can do so 24/7 by either logging into your Grange account on its website or calling 800-445-3030. For auto glass claims, log into your account or call 800-951-9734.

Whether you file your claim online or by phone, be ready to provide this information:

  • Your policy number.
  • The date, time and location of the accident or incident.
  • The names, addresses and telephone numbers of registered owners, injured people, occupants of other cars and witnesses.
  • Description and license numbers of the other cars involved.
  • Photos taken after the accident or incident.
  • Police report number, if applicable.

How to contact Grange Insurance

Get in touch with Grange Insurance customer service:

  • By phone. Call 800-422-0550 for general information.
  • By email. Go to the Grange Insurance website and click Contact Us at the bottom of the page. Choose the Email option on the left side of the screen, and fill out the secure online contact form to send an email.
  • By mail.

Grange Insurance
PO Box 1218
Columbus, OH 43216-1218

Does Grange Insurance offer other types of insurance?

Yes, in addition to traditional auto insurance, Grange offers:

  • Homeowners insurance
  • Business insurance
  • Life insurance
  • Specialty vehicle insurance for motorcycles, boats, RVs, travel trailers, ATVs, snowmobiles, antique and classic cars and golf carts

What are some alternatives to Grange car insurance?

If working with a local car insurance company is important to you, Grange could be a great choice. However, depending on your location and how many discounts you qualify for, you may want to compare your rates with larger national companies like Geico, Erie or State Farm. Sometimes, bigger companies are able to provide meatier discounts than smaller ones, so it’s worth comparing rates to help you find the best options for your situation.

Compare Grange car insurance competitors

Name Product Roadside assistance New car protection Available states
Allstate
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Liberty Mutual
Optional
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Root
Optional
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Metromile
Optional
Yes, cars under 1 year old & 15,000 miles
CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in CA, IL, NJ, OR, PA, VA and WA.
USAA
Optional
No
All 50 states
USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.

Compare up to 4 providers

Bottom line

Grange Insurance is a smaller, yet growing company that offers a great blend of local, personalized service and competitive rates. However, some customers find that Grange customer service reps can be hard to get ahold of if you have an open claim.

If Grange Insurance doesn’t seem like the right fit for you, compare other car insurance companies to find the best option for your needs.

Find the cheapest rates

Compare the best car insurance companies near you.

Your information is secure.

Frequently asked questions about Grange car insurance

Gabrielle Pastorek

Gabrielle Pastorek writes about fashion, beauty and finance. Gabrielle loves helping people find a great deal, whether it's in their shopping cart or on a credit card. In her free time, she exercises her creative muscles by writing short stories.

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Privacy and Cookies Policy and Terms of Use.
Go to site