The Grange Car Insurance Review [2024]

The Grange Car Insurance Company, also known as Grange Mutual Casualty Insurance Company has been meeting the challenges of an ever-changing marketplace for over 75 years.

In today’s market, diversity is the name of the game. This company has a variety of coverage options of insurance products that can meet its customers’ needs.

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Protection for Your Car

Grange has the traditional coverage offered by most car insurance carriers:

• Liability coverage – basic coverage required by the law in most states
• Minimum coverage – provides the necessary bodily injury coverage for injuries or death sustained during an accident up to the limits of the policy as required by the insured’s state
• Property damage – covers all the physical damage that may have occurred when the car collided with another car up to the limits of the policy

If the car is financed or leased, comprehensive and collision coverage may also be required.

Grange offers both of these options:

• Comprehensive coverage – covers any kind of damage done to your car like fire, flood, theft, vandalism, or collision with pet injury
• Collision coverage – covers all the damage to your car if the accident is determined to be your fault.

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Additional Insurance Policy Coverage

Grange’s car policy not only covers your car in the event of an accident but it can be expanded to cover all your car-related needs through individual policy options. They offer a towing and labor add-on that covers the cost of towing your car should you break down.

Towing and labor coverage covers any mechanical assistance provided roadside such as the delivery of gas if you run out of gas or need help changing a tire.

Having this add-on available avoids the need to buy an additional policy with another company.

Grange offers additional coverage known as GAP insurance which is for the price differential that sometimes occurs between the amount owed on a vehicle and the vehicle’s assessed value at the time of an accident.

Coverage for the Other Areas of Your Life

Grange can cover almost anything you own on wheels.

You can obtain coverage on your motorcycles or classic cars, in addition to any recreational or off-road vehicles you may own such as ATVs or snowmobiles.

Having the ability to purchase this coverage all in one place prevents the need to search out individual companies that offer this coverage.

In addition, by purchasing all your insurance needs in one place the coverage can be bundled together, which means more savings to their customers.

Grange’s home coverage includes those things that one would normally expect from a homeowners insurance policy.

Coverage for the home includes the following:

• Home itself
• Contents of the home
• Additional structures on the property outlined in the policy
• Any legal ramifications if someone is injured on the property

Customer Service

Grange goes the extra mile when it comes to providing customer satisfaction. They are available day or night, 24 hours a day to address their auto insurance customers’ problems.

Their commitment to their policyholders and their employees is why so many clients continue to do business with them.

At the time this article was written, Grange has just dispatched their catastrophe teams to assess, inspect, and issue checks to policyholders on the spot who were affected by recent severe weather.

As a policyholder, this type of response means that you will not have to wait to get the money you need to address the emergency you are facing. Whether it’s replacing or repairing your car or home, Grange will be there to provide the money you need quickly and efficiently.

Whether replacement coverage for your car or repair your car or home, Grange will be there to provide the money you need quickly and efficiently.

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What Others Have to Say about Grange Auto Insurance

The Better Business Bureau gave Grange Mutual Casualty Company an A+ rating.

They note that part of the reasoning in this decision comes from the company having only 51 complaints filed in the last three years with 13 of those complaints closed in the last 12 months.

The A+ rating indicates that the company will do everything in its power to ensure that your complaints are addressed if you ever do have a complaint.

When considering insurance companies, one important factor is their financial strength. Several companies rate insurance companies, and one of the most reliable is AM Best.

According to a recent AM Best press release, as of June 01, 2012 Grange Mutual Casualty Company and its subsidiaries have received an A (Excellent) rating and a stable rating for the future.

With this rating, you can rest assured that Grange is a company that has the financial stability to meet your needs when you need them.

Flexibility in Doing Business

Grange understands the varying needs of its customers. They strive to meet the needs by catering so their customers want to conduct business with them.

Grange provides options to their customers such as the ability to manage their policy needs online as well as to pay their bills electronically.

For those clients who prefer a more traditional approach, Grange also has customer service agents only a phone call away to answer all their questions.

Additionally, they offer their customers the familiarity of receiving a bill in the mail and sending a check to pay for their coverage.

Community Service

One of the best things about doing business with Grange is knowing that you are doing business with a company that is genuinely interested in your community.

With a strong history of investing in local communities, they are committed to doing the following:

• Provide hands-on support during emergencies
• Provide education
• Support the arts through programs and projects

Keeping with this philosophy in the summer of 2009, Grange opened the first Audubon Center in the United States.

The Center provides the citizens of Central Ohio with a place to learn through hands-on activities and education about birds and their habitats.

This center shows that not only do they say they are serious about education but they are willing to provide the funds to make it happen.

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