Grange Life Insurance Company Review (2024)

Grange Life Insurance Company, boasting a century of experience, offers a broad spectrum of coverage options, from life to auto insurance, with a commitment to financial stability and customer satisfaction.

UPDATED: Jun 14, 2024Fact Checked

Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

UPDATED: Jun 14, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Jun 14, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Jun 14, 2024Fact Checked
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Grange Life Insurance Company

Average Monthly Rate For Good Drivers

$114

A.M. Best Rating:

A (Excellent)

Complaint Level:

Low

Pros

  • Comprehensive range of insurance options
  • Over a century of experience and a strong legacy
  • Excellent financial stability and timely claims processing
  • Positive customer reviews and satisfaction
  • Bundling options available for added convenience

Cons

  • Rates may vary depending on individual circumstances
  • Specific rate information is not provided in the article, requiring customers to request quotes for accurate pricing.

In this informative article, we explore Grange Life Insurance Company, a trusted insurance provider with over a century of excellence in the industry. Grange offers a comprehensive array of insurance coverage options, including life insurance, health insurance, auto insurance, and home insurance, catering to the diverse needs of its customers.

With a strong A.M. Best rating, Grange ensures financial stability and reliability, while their numerous discounts and commitment to safe driving incentivize policyholders. Real customer testimonials highlight their dedication to service satisfaction, making Grange an excellent choice for those seeking peace of mind and security in their insurance coverage.

Grange Insurance Coverage Options

Grange Life Insurance Company offers a diverse range of coverage options tailored to meet the individual needs of its policyholders. Here’s a bullet list of the coverage options provided by the company:

Life Insurance

  • Term Life Insurance
  • Whole Life Insurance

Health Insurance

  • Health Maintenance Organization (HMO) Plans
  • Preferred Provider Organization (PPO) Plans
  • High-Deductible Health Plans (HDHPs)
  • Catastrophic Health Insurance

Auto Insurance

  • Liability Coverage
  • Collision Coverage
  • Comprehensive Coverage
  • Uninsured/Underinsured Motorist Coverage
  • Personal Injury Protection (PIP)
  • Roadside Assistance and Towing

Home Insurance

  • Dwelling Coverage
  • Personal Property Coverage
  • Liability Protection
  • Additional Living Expenses Coverage
  • Other Structures Coverage
  • Loss of Use Coverage

These comprehensive coverage options empower Grange’s policyholders to choose the insurance products that best align with their unique circumstances and priorities. Whether you’re looking to protect your family’s financial future, safeguard your health, or secure your assets, Grange has a coverage solution to fit your needs.

It’s recommended to consult with a Grange representative to explore these options further and customize your insurance coverage accordingly.

Read more:

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Grange Insurance Rates Breakdown

Driver ProfileGrange Life InsuranceNational Average
Clean Record$180$200
1+ Ticket$250$275
1+ Accident$271$286
DUI$300$322
Poor Credit$310$344

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

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Grange Insurance Discounts Available

DiscountGrange Life Insurance
Anti Theft8%
Good Student15%
Low Mileage10%
Paperless5%
Safe Driver15%
Senior Driver3%

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Grange Life Insurance Company offers various discounts to help policyholders save on their insurance premiums. Here are some of the discounts provided by the company:

  • Multi-Policy Discount: If you bundle multiple insurance policies, such as auto and home insurance, with Grange, you can enjoy significant savings on your premiums.
  • Safe Driving Discount: Grange rewards safe drivers with lower rates. If you have a clean driving record and a history of responsible driving, you can qualify for this discount.
  • Loyalty Discount: Grange values long-term customer relationships. As a loyal policyholder, you may be eligible for discounts as a token of appreciation.
  • Defensive Driving Course Discount: Completing a defensive driving course can not only improve your driving skills but also earn you a discount on your insurance premiums.
  • Good Student Discount: If you have a student on your policy who maintains good grades in school, you can qualify for this discount, promoting responsible behavior on the road.

These discounts reflect Grange’s commitment to providing affordable insurance options to its policyholders while incentivizing safe and responsible behavior. It’s advisable to discuss these discounts with a Grange representative to determine your eligibility and potential savings.

How Grange Insurance Ranks Among Providers

Grange Life Insurance Company operates in a highly competitive insurance industry. Its main competitors include both national and regional insurance providers. Here are some of Grange’s primary competitors:

  • State Farm: State Farm is one of the largest insurance companies in the United States, offering a wide range of insurance products, including auto, home, and life insurance. State Farm’s extensive network of agents and strong brand recognition make it a formidable competitor.
  • Allstate: Allstate is known for its comprehensive coverage options and innovative insurance products. They offer auto, home, and life insurance, along with features like Drivewise, which rewards safe driving behavior.
  • Progressive: Progressive is known for its focus on auto insurance and its popular “Name Your Price” tool, which allows customers to find coverage that fits their budget. They also offer home, renters, and other insurance products.
  • Nationwide: Nationwide is a well-established insurance company offering a range of insurance options, including auto, home, and life insurance. They emphasize customer service and flexible coverage choices.
  • Geico: Geico is known for its competitive pricing and extensive advertising campaigns. They specialize in auto insurance but also offer other coverage options.
  • Farmers Insurance: Farmers Insurance provides a variety of insurance products, including auto, home, and life insurance. They offer customizable coverage options to meet individual needs.
  • Liberty Mutual: Liberty Mutual offers auto, home, and life insurance with a focus on customer convenience and customizable policies. They have a strong online presence and mobile app for policy management.
  • Regional Insurance Companies: Grange may also face competition from regional insurance companies that operate in specific geographic areas. These companies often have a deep understanding of local markets and can offer tailored coverage solutions.

It’s important to note that the competitive landscape in the insurance industry can vary by region, and consumer preferences play a significant role in choosing insurance providers. Grange competes by emphasizing its long-standing legacy, financial stability, and a wide range of coverage options to attract and retain customers in this competitive market.

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Grange Life Insurance Company Claims Process

Ease of Filing a Claim

Grange Life Insurance Company offers multiple convenient channels for filing insurance claims, ensuring flexibility for policyholders. You can file a claim through their user-friendly online portal, over the phone with their dedicated customer service team, or via their mobile app.

This accessibility makes it easy for customers to initiate the claims process in a way that suits their preferences and needs.

Average Claim Processing Time

The average claim processing time is a crucial factor for policyholders who are seeking timely resolutions. While specific processing times can vary depending on the complexity of the claim and other factors, Grange Life Insurance Company strives to expedite the claims process.

It’s advisable to contact their claims department for more information on the estimated processing times for your specific claim type.

Customer Feedback on Claim Resolutions and Payouts

Understanding how a company handles claims is vital for prospective policyholders. Grange Life Insurance Company values customer feedback and aims to provide satisfactory claim resolutions and payouts.

To gain insights into their track record, potential customers can review testimonials and feedback from real policyholders who have experienced the claims process firsthand. This transparency helps in making informed decisions regarding insurance coverage.

Grange Life Insurance Company Digital and Technological Features

Mobile App Features and Functionality

Grange Life Insurance Company offers a feature-rich mobile app that empowers policyholders with on-the-go access to their insurance information. The app allows users to view policy details, make premium payments, and even file claims directly from their smartphones. Additionally, it provides convenient tools for calculating insurance needs and exploring coverage options.

Online Account Management Capabilities

Managing insurance policies online has become increasingly important in today’s digital age. Grange understands this need and provides robust online account management capabilities. Policyholders can log in to their accounts via the website to update personal information, review policy documents, and track claims.

The user-friendly interface ensures a seamless online experience.

Digital Tools and Resources

Grange Life Insurance Company offers a range of digital tools and resources to educate and assist policyholders. These resources may include informative articles, calculators for estimating insurance needs, and educational materials to help customers make informed decisions about their coverage.

These digital tools serve as valuable resources for those looking to navigate the world of insurance effectively.

Frequently Asked Questions

How can I obtain a quote from Grange Life Insurance Company?

To request a quote, visit Grange’s official website or contact their customer service for personalized assistance.

What types of life insurance does Grange offer?

Grange offers both term life and whole life insurance policies, allowing you to choose the coverage that suits your needs.

Can I bundle multiple insurance policies with Grange?

Yes, Grange offers bundling options for added convenience and potential discounts when you combine multiple policies.

Are there any discounts available for policyholders?

Grange often provides discounts for safe driving, multiple policies, loyalty, and more, making insurance more affordable.

How do I file a claim with Grange Life Insurance Company?

To file a claim, contact Grange’s claims department, which will guide you through the process and assist with any necessary documentation.

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Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Reviews
for Grange Insurance

4.22 (253 reviews)
5
July 30, 2024

Red9798

Complete satisfaction on every aspect of my claim

Great experience, made easy by texting and phone calls. Quick settlement, quick payment system. Adjuster was wonderful, great communication, always text me back. Walked me thru all the steps ,always answered my texts. Updated me on what was happening. Very quick process
5
July 7, 2024

DDSGRB

The claims rep makes all the difference...

I have been navigating a claim for my girlfriend's mother who was involved in a not-at-fault crash. After doing the due diligence on the other party, we elected not to secure an attorney and found myself communicating with VANESSA MCKINNEY, one of your first party medical claims specialists. This experience could not have been better. Not only did she help us in all aspects of the claim, but she showed a genuine care for her well-being. I could n...
I have been navigating a claim for my girlfriend's mother who was involved in a not-at-fault crash. After doing the due diligence on the other party, we elected not to secure an attorney and found myself communicating with VANESSA MCKINNEY, one of your first party medical claims specialists. This experience could not have been better. Not only did she help us in all aspects of the claim, but she showed a genuine care for her well-being. I could not be more impressed. Vanessa should be considered one of your most valued assets.
1
December 14, 2023

Nics

Do not get insurance here!

If you are in an accident and file a claim, this company will not pay the repair costs for your car to be returned to its pre-accident condition. They will offer you a low settlement and delay the process. [REDACTED NAME] [REDACTED NAME], the insurance adjuster, and [REDACTED NAME] Hill, the damage appraiser, are both unprofessional. Choose an insurance company that truly cares about its customers.
5
June 8, 2023

Brandon_K

Quick Recovery

My barns, home, and cars were damaged by a tornado in April. Area was declared a Fed disaster. Within days our adjuster AJ had his boots on the ground at our farm. We only had to wait a short time (week) to receive insurance money and start the recovery. My family and I can't thank Grange and our adjuster enough for being so quick. We're blessed to be one of the only families in an area where more than 200 families have been affected to be comple...
My barns, home, and cars were damaged by a tornado in April. Area was declared a Fed disaster. Within days our adjuster AJ had his boots on the ground at our farm. We only had to wait a short time (week) to receive insurance money and start the recovery. My family and I can't thank Grange and our adjuster enough for being so quick. We're blessed to be one of the only families in an area where more than 200 families have been affected to be completed with all repairs thanks to our insurance company not having us jump through hoops or delays.
1
April 24, 2023

Oboe_guru

Putting the customer first is not a priority!

I was told to take the car to an auto body shop of my choosing and then Grange refused to pay the auto body shops rates because according to them, they were unfair and not reasonable. Except this company has no idea what is fair and reasonable in northern Virginia. It is a far cry from central Ohio! They insisted I take my car to a sub par body shop. I will be taking legal action against this horrible company and will be ending my contract asap.
1
December 16, 2022

HondaRepair

You have to sue them to cover an auto insurance claim fairly

Writing on behalf of my client. Auto insurance claim, my client is insured with Grange. Their vehicle was taken to a facility certified by the manufacturer of my clients car. Grange attempted to pay HALF of the bill, $12,000 or a $24,000 bill. In the state of Virginia, you can assert your "right to appraisal" as written in all insurance policies in the commonwealth, only Grange and it's supervisors of the claims department overseeing the clai...
Writing on behalf of my client. Auto insurance claim, my client is insured with Grange. Their vehicle was taken to a facility certified by the manufacturer of my clients car. Grange attempted to pay HALF of the bill, $12,000 or a $24,000 bill. In the state of Virginia, you can assert your "right to appraisal" as written in all insurance policies in the commonwealth, only Grange and it's supervisors of the claims department overseeing the claim are DENYING my client their rights under their legal contract (the insurance policy). Absolutely morally bankrupt company if you have to USE them for auto insurance. I've never dealt with a more shady, uneducated claims department in my career than Grange's employees.
5
May 29, 2021

Janna

Grange review

[REDACTED NAME] is awesome. Very quick to respond to a claim submitted online, very knowledgeable and informative, very quick to respond to the repair estimate. He made a stressful situation MUCH less stressful by his actions and demeanor. My experience with [REDACTD NAME] and Grange Auto Insurance was the opposite of the stereotypical experience with an insurance company. Kudos to Grange Auto Insurance for retaining a talented agent. Re: other r...
[REDACTED NAME] is awesome. Very quick to respond to a claim submitted online, very knowledgeable and informative, very quick to respond to the repair estimate. He made a stressful situation MUCH less stressful by his actions and demeanor. My experience with [REDACTD NAME] and Grange Auto Insurance was the opposite of the stereotypical experience with an insurance company. Kudos to Grange Auto Insurance for retaining a talented agent. Re: other reviews indicating Grange dropped them or increased their deductible after filing a claim....will have to wait and see.
5
January 7, 2021

Leo13

No stress claim process

Great price and great value. They handled my Auto claim seamlessly. It was a stress free experience. Highly recommend!
5
December 10, 2020

19751961Bj_

Awesome and Amazing

Blown away by how empathetic and responsive Grange was in processing my claim. Getting involved in a collision is nobody's idea of fun, but [REDACTED NAME] really made the process easy and hassle free. He set up a channel to enable texting, booked my rental, booked the towing company and was always available to answer any questions that I had.
5
October 8, 2020

Misstruely2

Grange Insurance

Having Grange as my insurance carrier has been a great experience. Their customer service is excellent! Any time I have a question regarding my auto or home policy they are more than happy to help and always keep me informed.
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