TruStage Auto Insurance Review: Are the Discounts Worth the Limited Options?

TruStage Auto Insurance Review: Are the Discounts Worth the Limited Options?

TruStage refers you to insurers who offer credit union discounts, but it's worth it to shop elsewhere, too.
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TruStage refers you to insurers who offer credit union discounts, but it's worth it to shop elsewhere, too.
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TruStage is primarily a life insurance company and does not sell auto or home insurance directly to shoppers. Instead, it refers its clients to two other insurance providers for coverage: Esurance and Liberty Mutual. The purported benefit of purchasing auto insurance through TruStage is that members of credit unions may receive discounts based on their memberships. However, the discount may not be available when shopping online and in most cases amounts to only a few dollars in savings per month.

TruStage auto insurance: Our thoughts

TruStage provides car insurance by referring you to one of two prominent insurance companies, either Esurance or Liberty Mutual. Both are reputable insurers with average rates and coverage options. Esurance has a great mobile and web experience but no in-person locations. Liberty Mutual has in-person locations but slightly below-average customer service.

Unfortunately, TruStage doesn't allow you to compare car insurance rates between the two. TruStage will direct you to one of its partners based on your location and whether you already have auto insurance from another company. So even if you qualify for a discount through TruStage and your credit union, we recommend that drivers shop around to check if they can find a better rate elsewhere. In particular, people who belong to a credit union should take a look at MetLife, which provides discounts to members of dozens of credit unions.

Bottom line: There's no downside to using TruStage to get an auto insurance quote from Esurance or Liberty Mutual, but it shouldn't be the only place you shop for car insurance. Credit union members may be eligible for a slight discount. However, other factors common to all insurance quotes, like where you live and your driving history, will have a much bigger impact on your premiums. Make sure to compare quotes from multiple insurance companies.

TruStage auto insurance coverage

TruStage doesn't provide auto insurance coverage directly but instead refers consumers to either Esurance or Liberty Mutual. Each is a major competitor in the U.S. automobile insurance industry and offers all of the standard types of coverage you'd expect:

  • Liability coverage
  • Collision coverage
  • Comprehensive coverage
  • Uninsured/underinsured motorist coverage
  • Medical payments coverage/personal injury protection (PIP)

Esurance is an online-oriented insurer that is backed by a stable, long-standing insurance company — Allstate. Esurance has a best-in-class mobile app and lots of discount opportunities for safe drivers. However, its standard rates tend to be on the expensive side, and the company does not have in-person locations.

Liberty Mutual is one of the biggest insurance companies in the U.S. and generally offers rates that are in line with those available from other national insurers. Liberty Mutual has in-person locations, meaning you can work with an agent face-to-face as well as online or by phone. But its less-than-stellar customer satisfaction ratings may give some potential customers pause.

TruStage alternatives to consider

Credit union members who are looking to take advantage of discounts should review all the insurers their credit union partners with in offering lower rates. MetLife, for example, offers average rates to most consumers, but if your credit union has negotiated a group discount, you could save money.

Even if you can't find a credit union discount, it's worth it to check with several insurance companies to see if you can find a rate cheaper than what's offered through TruStage. In our research, we found that discounts for credit union members tended to be on the small side — only a few dollars per month. Other opportunities to save money, such as discounts for safe driving or paying for a year up front — as well as the difference in rates insurers charge — will likely make a much bigger impact on what you'll pay for car insurance than credit union discounts.

Ratings and reviews of TruStage auto insurance partners

Most people who buy car insurance through TruStage will directly interact with the company only once: when they are referred to an insurance provider. The vast majority of the interactions you'll have after you're referred will be with either Esurance or Liberty Mutual. This includes the process of purchasing insurance, as well as making a claim or managing your insurance policy after you've signed up.

Esurance and Liberty Mutual have average reviews from customers. Neither company is renowned for its customer service, but they do not have particularly poor reviews, either — Esurance and Liberty Mutual received 3/5 and 2/5 rankings in J.D. Power's claims satisfaction survey, respectively. Each company also had slightly higher than average complaint ratings from the National Association of Insurance Commissioners (NAIC), suggesting that they received more complaints than normal for a company of their size.

On the plus side, each company is on strong financial footing: Esurance received an A+ (superior) rating from reviewer AM Best, while Liberty Mutual received an A (excellent). This means that consumers should not worry about the companies' ability to pay out claims after an accident.

Matt is a Technical Writer at ValuePenguin who works on distilling the complex details of insurance into accessible advice. He previously created educational content at Grovo Learning and MarketSmiths Content Strategists. Matt's consumer-focused analysis of insurance has appeared in publications like CNBC, Yahoo Finance and the Miami Herald.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.