What Is Trustage Auto Insurance?
Trustage is a non‑profit auto‑insurance agency that partners with credit unions to offer members insurance products. Unlike traditional insurers, Trustage operates under a cooperative model, meaning the profits are returned to the credit union and its members rather than external shareholders.
- What Is Trustage Auto Insurance?
- How Credit Unions Benefit Members Through Trustage
- Coverage Options Available
- Optional Add‑Ons
- Discounts and Savings for Credit Union Members
- How to Get a Quote and Apply
- Estimated Cost Range
- Claims Process Through Credit Unions
- Why Choose Trustage Over Traditional Insurers?
- Common Misconceptions Debunked
- FAQs
More from this site
Keep reading the latest coverage
How Credit Unions Benefit Members Through Trustage
Credit unions typically offer lower rates and higher customer satisfaction. Trustage amplifies these benefits by:
- Providing member‑specific discounts
- Offering a streamlined claims process through the credit union's existing infrastructure
- Reinvesting any surplus back into member services
Coverage Options Available
Trustage auto insurance covers the standard categories that most insurers provide, including:
- Liability (bodily injury & property damage)
- Collision and comprehensive
- Uninsured/underinsured motorist
- Medical payments and personal injury protection
- Roadside assistance and rental reimbursement
Optional Add‑Ons
Members can enhance coverage with add‑ons such as:
- Gap insurance for new vehicles
- New‑car replacement coverage
- Rental car coverage with no deductible
Discounts and Savings for Credit Union Members
Trustage offers several discounts specifically for credit union members:
- Multi‑vehicle discount when insuring more than one car through the same credit union
- Safe‑driver discount for a clean driving record
- Bundling discount if the member also has other Trustage policies (home, renters)
- Credit‑union‑specific loyalty discount that can increase over time
How to Get a Quote and Apply
Getting started is straightforward:
Estimated Cost Range
| Coverage Level | Estimated Monthly Premium | Source Type |
|---|---|---|
| Basic Liability | $70–$120 | Industry averages |
| Full Coverage (Liability + Collision + Comprehensive) | $120–$220 | Industry averages |
| Full Coverage + Add‑Ons | $150–$260 | Industry averages |
Claims Process Through Credit Unions
Trustage leverages the credit union's existing claims network:
- File a claim online via the credit union portal.
- Claims adjusters from Trustage coordinate with local repair shops recommended by the credit union.
- Members receive updates through the portal, keeping all communication in one place.
Why Choose Trustage Over Traditional Insurers?
Key advantages include:
- Member‑owned structure reduces overhead costs.
- Profits are returned to the credit union, benefiting all members.
- Transparent pricing with no hidden fees.
- Personalized service through familiar credit union staff.
Common Misconceptions Debunked
Some members believe Trustage is a low‑quality insurer. In reality:
- Trustage is licensed by all major state insurance regulators.
- Its financial strength is comparable to top-tier traditional insurers.
- Customer satisfaction scores often exceed industry averages.
FAQs
- Can I switch from another insurer to Trustage? Yes, you can switch at any time by completing a new application through your credit union.
- What if my credit union doesn't partner with Trustage? Many credit unions partner with Trustage, but if yours doesn't, you can still purchase Trustage insurance independently.
- Are there any hidden fees? No, all fees are disclosed upfront in the policy document.