Smart Score
73
Industry Average: 7.7
Industry Average: 8
Industry Average: 7
Grange Insurance was first formed 80 years ago to provide affordable car insurance for a specific group - grange members (known nationally as the National Grange Patrons of the Husbandry). It is a mutual insurance company, meaning that its policyholders jointly own the company. They are serving customers across 13 states: Georgia, Illinois, Indiana, Iowa, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia and Wisconsin. Grange Insurance sells exclusively through independent agents, which also means that your experience will depend on the agency you are working with, and it is great for customers who want to get lots of different types of insurance from one company, as they provide auto insurance, life insurance, homeowners insurance, and even business insurance.
Lines of Business:
When it comes to their auto, everyone has a different situation and differing needs for protection. While every auto insurer offers the same standard coverages. they tend to differ when it comes to what they offer or optional additional protections. Below we list and describe all the extras offered by Grange Mutual
Available Option | What it means | |
---|---|---|
Accident Forgiveness | Protects your driving record from being affected by the insurance company's rating system for an at-fault accident, thus preventing your insurance premium from going up due to this type of accident. | |
Airbag Replacement Coverage | Covers your replacement airbags and labor should they need replacement | |
Antique or Collector Car Insurance | Special insurance for antique and collectors cars. | |
Better Car Replacement | Policy that will replace your car if it is a total loss with a car one model year newer and with 15,000 fewer miles. | |
Build Your Own Plan | Customize your insurance policy with a build your own plan policy. | |
Child Safety Seat Replacement | A policy that pays for a new child safety seat if yours is damaged in an accident. | |
Comprehensive Claim Forgiveness | Protects your driving record from being affected by the insurance company's rating system for a comprehensive claim on your history, thus preventing your insurance premium from going up due to this type of accident. |
While all companies offer a range of auto insurance discounts, it's hard to judge any individual discount's value in a meaningful way. For one, the discounts are typically a percentage off the base price, instead of the whole policy.
What does this mean?
Your best bet is to directly discuss your particular situation with an agent to make sure you're getting all the discounts that you may be eligible for on your auto policy. For reference, we've listed all the discounts we believe Grange Mutual has below in order to help determine which ones may fit your profile (though keep in mind that they can vary by state).
Available Option | Discount Data | What it means |
---|---|---|
Good Driver | Varies | Typically relates to a driver's history (or lack thereof) of accidents and violations. Often has a 3 to 5 year lookback period. |
Passive Restraint | Varies | Applies to vehicles with safety features such as automatic braking systems (ABS), airbags, or automatic seatbelts. |
Multiple Policy | Varies | While insurers are out to protect drivers, they also need to make money, and they tend to make more when a customer has multiple products (policies) with them. As a result, they can offer savings when drivers pair their car policy with another (home, renters, umbrella, etc.) policy. |
How does Grange Mutual compare to other insurance companies? Click the following links below to compare Grange Mutual to other top insurance companies.