Grange Car Insurance
Overview
Grange Insurance company was originally founded in 1935 in Columbus, Ohio to provide affordable property insurance to farming community members -- the National Grange Patrons of the Husbandry.
Despite their specific beginnings, Grange Insurance now offers reasonable and customizable auto, home, life and business insurance products to 13 states in the U.S: Georgia, Illinois, Indiana, Iowa, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia and Wisconsin.
Together with their affiliate company, Integrity Insurance, Grange continues to sell their products exclusively through independent insurance agents, which means you get unbiased, local service that you can trust.
Grange offers personalized coverage options for all of their insurance product lines that can be tailored to your unique needs and budget. Grange also provides convenient options for managing your insurance policies online, including billing and weather alerts, printable ID cards, and track your claims.
Grange currently has over 750,000 policyholders and about $2 million in assets. Grange Insurance has the excellent strength and stability of a large insurance company, but with the local, personalized service of a small insurance provider.
Discounts
Grange offers a variety of specific auto insurance discounts to their customers so be sure you’re taking advantage of all the savings you’re eligible for by contacting your current Grange Insurance agent or unlocking them on Insurify! You could save with a:
*Discounts vary by state and certain criteria set by the insurance provider must be met in order to qualify for discounts.
| Discount Type | Discount % |
|---|---|
| Eco-nomy Car Discount | Varies |
| Passive Restraint Discount | Varies |
| Good Student Discount | Varies |
| Defensive Driver Discount | Varies |
| Good Driver Discount | Varies |
| Prepay Discount | Varies |
| Multiple Policy Discount | Varies |
Features and Services
Grange has been offering its customers exceptional service for over 80 years. Their insurance agents are available for claim support and roadside assistance 24 hours a day, 7 days a week.
Customers can manage their payments, policy, and claims online with billing and weather alerts and ready-to-print ID cards
Online account management
Optional Coverage
| Coverage Type | Description |
|---|---|
| Glass Coverage | |
| Rental Reimbursment | Reimburses the per day cost of a rental car (daily and maximum reimbursement may vary) |
| Pet Coverage | Helps cover veterinary expenses in the event that your pet is injured or dies in a collision. |
| Original Equiptment Manufacturer Coverage | If you need repairs, are you okay with the car parts being replaced with anything other than the original manufacturer’s parts? |
| Gap Insurance | If your vehicle is loaned or leased and totaled, Gap insurance may pay for the difference between the cash value of the vehicle and the unpaid balance of the loan or lease. |
| Umbrella Policy | Adds protection against liability claims/judgements when your auto insurnce liability limits have been reached. |
| Road Side Assistance | Typically adds coverage for towing, tire changes, lockout services, and more |
Payment Methods
| Payment Type | Description |
|---|---|
| Online Payment | Hate those annoying IVR menus? Pay your bill online. |
| Bank Payment/Direct Deposit | |
| Credit Card Payment | |
| Debit Card Payments | |
| Phone Payment -IVR | Ran out of postage? Want to keep things fast but simple? You can pay your bill over the phone. |
| Mail Payment | The option to mail in a personal check or money order. Don't forget the postage, sometimes the classics never die! |
| Electronic Check | Ran out of checks? Electronic checks work just as well, this usually sometimes includes ther Electronic Funds Transfer options (EFT). |
Grange Insurance Products
Automobile Insurance
Grange’s auto insurance policies will cover everything from your everyday car to off-road vehicles like ATV’s.
Available coverages and discounts may vary by state, but will most likely include:
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Underinsured/uninsured motorist coverage: Covers the cost of repairs if you were to get hit by someone with little or no car insurance.
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Full glass repair and towing/labor: Covers roadside repairs like flat tires, cracked windshields, empty gas tank, etc. and towing to the nearest repair shop if fixes cannot be handled on the road.
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Rental car reimbursement: Covers the cost of car rental while your vehicle is out of commission.
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Pet injury and mobile device: Covers your pet’s veterinary bills and repairs for your cellphone.
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Identity theft: Protects your identity after your car is stolen or broken into.
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Original equipment manufacturer coverage: Ensure parts from your car’s original manufacturer are used when your car is repaired.
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Loan/lease gap coverage: If you are still making payments on your vehicle finance or lease and experience a total loss accident, you’ll be covered for the difference between your car’s actual cash value and what you still owe on the loan or lease.
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Personal umbrella: Coverage for a settlement if you are sued for property damage or injuries from an accident you caused.
Boat, recreational vehicle and motorcycle insurance: Unlock multi-policy discounts for all of the motor vehicles you own.
Home Insurance
Grange offers a variety of home insurance coverages and their independent agents will make sure there aren’t any gaps in your protection for your home and your possessions.
Available coverages and discounts may vary by state, but will most likely include:
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Backup of sewers and drains: Covers repair or replacement of your entire basement in the event the sewer or drain backup causes flooding.
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Home replacement cost: The cost to replace your home is not the same as its market value. Additional construction costs can add up. Make sure you’re covered.
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Jewelry, artwork and collectibles: Get compensated when high-value items are damaged or stolen.
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Identity theft protection: Professional help in restoring your identity, notifying credit bureaus, and preparing a case for law enforcement.
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Renters and condo insurance
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Personal umbrella: Coverage for a lawsuit settlement due to property damage, character defamation, libel, etc.
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Equipment breakdown: Coverage for repairs or replacement of brand new heating, cooling, ventilation system, backup generators, pool equipment, etc.
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Assisted living care: Added protection for one’s personal belongings while they’re in an assisted living facility.
Life Insurance
Grange offers a variety of life insurance coverages and their independent agents will make sure you don’t overestimate the cost of life insurance.
Available coverages and discounts may vary by state, but will most likely include:
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Income replacement: Replace your income for your family so they will not have to struggle financially.
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Education costs: Make sure your children can afford to go to college if something were to happen to you.
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Mortgage protection: The loss of an income can lead to the loss of a family home. Leave your family financially prepared to pay for a mortgage.
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Wealth transfer: Leave behind a sum of money for charity or loved ones.
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Final expenses: The average cost of a funeral, health care bills and other final expenses average about $15,000. Leave your family prepared.
Business Insurance
Grange offers a variety of business insurance coverages and their independent agents will help you build a policy as unique as your business.
Available coverages and discounts may vary by state, but will most likely include:
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Risk evaluation: Have a professional evaluate the risks of your business.
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Commercial property and auto: Cover the commercial buildings, vehicles, and equipment crucial to your business.
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Commercial liability: Cover accidents that occur on the job.
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Employment practices liability: Cover theft done by an employee.
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Commercial umbrella: Liability coverage with higher limits.
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Commercial package and farm owners insurance
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Workers compensation: Cover yourself legally if an employee is hurt on the job.
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Employee life insurance: Include employee benefit options in your existing insurance portfolio.
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Business continuation and succession planning: Help your company continue to thrive in the event of a loss of a business partner or key executive.
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Grange Cyber Coverage: Protect your company in the event of a cyber breach.
