Grange Association Insurance Review & Complaints: Auto, Home & Farm Insurance

Grange Insurance Association Overview

Summary Statistics	Details
Year founded	1935
Current executives	CEO & President – John Ammendola
Number of employees	200
Totals sales/assets	Close to $3 billion
Headquarters address	200 Cedar Street Seattle, WA 98121
Phone number	800.247.2643
Company website	www.grange.com
Premiums written	Direct premiums written as of 2018 – 1,239,474
Loss ratio	49.20%

Is Grange a good insurance company? This Grange Insurance Association review covers the West Coast insurer that has a history reaching back more than 125 years. Grange Insurance Association offers a range of personal insurance as well as farm coverage, including specialty operations.

Most of the time, searching for the best insurance company for your needs would mean hours of research, long phone calls, and hours of internet searches. Imagine, instead, if you had all the information you needed in one easy guide. Here, we’ll look at and analyze all the information related to the company to give you a better idea of the options available to you.

Looking for Grange Insurance Association car insurance quotes? While online quoting is not available for Grange Insurance products, you can start your search for the best auto insurance rates by entering your ZIP code above.

How to Get Grange Insurance Association Car Insurance Rates

Online quoting is not available for Grange Insurance products, therefore we are unable to compare them in terms of insurance rates.

The site does offer an independent agent locator search to assist with finding an independent agent nearby to obtain rate quotes. It is common for an agent-driven company to handle things this way, especially a smaller insurance company.

That said, in the modern era we generally expect some online quoting to be available, particularly for auto insurance, for a company of this size. While the price isn’t always the deciding factor when it comes to choosing an auto insurance policy, it’s usually one of the most important.

You can look at the table below to get an idea of what you might pay for your auto insurance rate depending on how much coverage you decide to buy. The table shows the average annual rates based on coverage levels.

These are just guidelines. Actual rates will depend on a variety of factors such as age, driving history, auto theft rates in your area, and ZIP code. If you’d like to check out the crime rates where you live, you can visit the online database for the Federal Bureau of Investigations (FBI).

Keep reading to learn more.

What is Grange Insurance Association‘s availability by state?

Grange Insurance has its beginnings in 1893 when the Washington State Grange gathered to form an insurance association to provide fire insurance to locals. Headquarters for the insurance association was moved to Seattle in 1933, sharing a building with the Grange. In 1944 the name Grange Insurance Association was taken on, and the company moved into the auto insurance market.

Grange Insurance locations including Grange Insurance of Vinita, OK, and Grange Insurance of Redding, CA, can be found on the company website.

The company has expanded over the years to serve several other states, and now has agents in Washington, Oregon, California, Colorado, Idaho, and Wyoming. Subsidiary Rocky Mountain Fire & Casualty was re-branded to GranWest Property & Casualty in 2016 and operates in several states.

Policies are sold through local independent agents in all of the covered states and include home insurance, auto, specialty vehicle, and packaged farm insurance.

What Grange Insurance Association coverages are offered?

One thing you’ll need to ask yourself before purchasing your auto insurance policy is: “How much car insurance coverage do I need?”

If you’re financing your vehicle, your loan company may require you to carry full coverage insurance. Otherwise, you’ll need at least the minimum amount of liability insurance required by the auto insurance laws in your state of residence.

If you decide that you need more than the minimum coverage required by the state, there are several different insurance coverage options available to you as additional coverage. Take a look at the table below to get an idea of the different types of auto policies and coverage available to you, along with what they do.

Again, these are just guidelines and actual prices will vary so it is always wise to compare car insurance options before purchasing.

What are the Grange Insurance Association‘s bundling options?

Many insurance providers offer different bundling options. Bundling your insurance refers to purchasing multiple policies from the same company.

For example, you can purchase your auto insurance policy as well as your life insurance from the same company if you choose. Most insurance companies offer a discount of anywhere from 5 percent to 25 percent if you choose to bundle.

Check out the video below to learn about the pros and cons of bundling your insurance policies.

Many companies offer multi-car discounts, also. You can think of this as a way of bundling as well, but in this case, you’re buying auto insurance for multiple vehicles. Auto insurance companies offer up to a 25 percent multi-car discount on combined policies.

What discounts are offered by Grange Insurance Association?

Generally, your auto insurance discount options through the company depend on what each provider has to offer and your recorded driving habits but many discounts are standard throughout the industry.

The table below shows some of the most common auto insurance discounts available, an estimate of how much money each can save you, as well as the major auto insurance companies that offer the discount.

As you can see, it is always best to check with your insurance provider to see what insurance discounts are available to you.

What programs are available from Grange Insurance Association?

Grange focuses mainly on personal lines products but also covers a variety of farms as well as wineries and orchards.

Auto Insurance: Grange Insurance Association car insurance company offers a comprehensive auto insurance policy with all of the basic coverage as well as common options. These include liability, comprehensive coverage, and collision coverage as well as rental car reimbursement and roadside assistance. However, Grange Insurance Association car insurance rates are not available online.

They offer several other coverage options, including to protect a trailer or motor home, cover customizations and sound equipment, and auto loan/lease gap coverage.

The program does not appear to offer any of the trendier options in car insurance seen from major companies these days. Instead, it relies on a solid program with a lot of common coverage choices and standard benefits that other companies may not offer except as add-ons.

Home Insurance: Grange’s standard home insurance program, HomePak Plus, includes full replacement cost for the home with an additional 25 percent on top of the calculated cost.

The program also includes, on top of common standard coverage, several benefits that are often found as options at other companies. These include:

• Water and sewer backup
• 50 percent of lock replacement cost
• Refrigerated property coverage

The HomePak Premier plan has an even higher level of coverage than the base plan, with up to 150 percent replacement cost coverage.

The plan also increases refrigerated goods coverage, lock replacement coverage, and extends the coverage for personal property to include more perils. Coverage for higher value items is also increased with this policy.

In addition to single-family homes, Grange Insurance offers coverage for condos, including full replacement cost coverage for personal property along with a long list of options that can be added to the policy.

Renter’s insurance for personal property of tenants is also offered.

Farm Insurance: Farm insurance was Grange’s original product, and today they offer a variety of options.

Farm, Ranch, and Hobby Farm insurance covers a variety of operations. FarmPak is a package policy that can be tailored to the needs of each type of farm or ranch, covering things like equipment, livestock, and crops, while also covering the home and personal property of the farmer.

Grange also has a hobby farm/country estate program that is designed for a home with small, hobby operations and not income farming. This program includes coverage for specific liabilities not covered by a standard homeowner’s policy.

Orchard and Vineyard Insurance is also available to provide specialty coverage that includes liability tailored to the needs of these specific farming operations. There is also additional coverage available to pay for spoilage, contamination, and other risks.

Commercial auto insurance coverage is available as an add-on to farm insurance policies.

Other Insurance: In addition to the main product lines, Grange also writes umbrella insurance and offers coverage for boats and other types of watercraft.

Does Grange Insurance have accident-forgiveness? Nothing on their website points to this kind of program, but it is always worth checking with your insurance provider to see what programs are available to you.

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How to Cancel Your Grange Insurance Association Policy

What should you do if you need to cancel your policy? Watch the video below to get an idea of what to expect should you need to cancel your auto insurance policy.

You can cancel your policy at any time simply by contacting your independent insurance agent and letting him or her know that you’d like to cancel your policy. Your agent will let you know when the changes will take effect and whether you’re entitled to a refund of any policy premiums you’ve paid in.

Once you’ve canceled your policy, any excess premiums will be refunded to you promptly.

Is there a refund?

Whether you can get a refund on your policy depends on the type of policy and when you choose to cancel. If you choose to cancel a refundable policy in the middle of the policy cycle, you’ll receive roughly half of what you paid, assuming that you only paid for that cycle.

Since refund amounts may vary and depend on a variety of factors, you should always check with your independent insurance agent to see what factors apply to you.

 

Grange Insurance Association Claims Process

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Grange Insurance Association offers multiple options for filing a claim, making it convenient for policyholders. You can file a claim online through their website or use their 24/7 toll-free claims line to report a claim over the phone. Additionally, for auto glass claims, they have a separate system in partnership with Safelite, a major glass repair company, to expedite glass repair services.

Average Claim Processing Time

The average claim processing time can vary depending on the complexity of the claim and the specific circumstances. Grange Insurance Association aims to provide efficient claims processing and states that their online claim form submission will result in a callback within 24 hours. However, the actual processing time may differ based on the nature of the claim and the information provided.

Customer feedback on Claim Resolutions and Payouts

While Grange Insurance Association has generally received positive ratings from organizations like A.M. Best and the Better Business Bureau, specific customer feedback on claim resolutions and payouts can vary. It’s essential to read customer reviews and gather firsthand experiences to get a comprehensive understanding of how the company handles claims and payouts.

Digital and Technological Features of Grange Insurance Association

Mobile App Features and Functionality

Grange Insurance Association offers a mobile app that allows policyholders to manage their insurance policies on the go. The app may provide features such as policy access, claims reporting, bill payment, and more. Users can take advantage of these convenient mobile tools to stay connected with their insurance needs.

Online Account Management Capabilities

Policyholders can manage their insurance accounts online through Grange Insurance Association’s website. This online account management platform enables users to view and update policy information, make payments, and access important documents. It provides a user-friendly interface for efficient account management.

Digital Tools and Resources

Grange Insurance Association strives to offer digital tools and resources to enhance the overall customer experience. These resources may include educational materials, FAQs, and interactive tools to help policyholders understand their insurance coverage better. Additionally, digital communication channels like email and online chat may be available for customer support and inquiries.

These digital and technological features aim to make insurance management more accessible and convenient for policyholders. It’s recommended to explore these features and assess how they align with your insurance needs and preferences.

What are Grange Insurance Association car insurance ratings?

What is the rating for Grange Insurance? Grange Insurance is accredited by the Better Business Bureau (BBB) and has an A+ rating with only two complaints on file in the past three years. There have not been any reviews left of the BBB file page. Grange Insurance also has an A- (Excellent) rating with A.M. Best.

There are six reviews on Yelp for this company, with an overall rating of 1.5 stars. Most of the complaints are not from Grange customers, but from others who were involved in accidents with Grange insureds.

Grange Insurance Glassdoor reviews and Grange Insurance Nerdwallet reviews are available online. Other Grange Insurance reviews are available online, as well. You can use online ratings and reviews to compare different companies. For example, you could use them to do research on Grange Insurance vs State Farm Insurance.

Watch the video below to get an idea of the Grange Association company’s values and its loyalty to its policyholders.

Overall there is a low complaint volume for this company and that usually indicates mainly happy customers. We found nothing of concern in the reviews and generally found this company to have a good reputation.

You can visit the website for the National Association of Insurance Commissioners (NAIC) to learn about loss ratios and market share for Grange Insurance.

Grange Insurance Association Review: What’s the bottom line?

Grange Insurance Association has some solid, comprehensive products, and it has a good reputation. For those that prefer to work with a smaller company and a local agent, Grange is well worth considering.

Now that you know everything you need to know about Grange Insurance Association, we hope that you’ll feel more confident in purchasing your policy.

Looking for affordable Grange Insurance Association car insurance? In this section, we answer some of the most commonly asked questions about the Grange Insurance Association. Some of the answers may have been covered in part or in full in the guide above.

#1 – Does Grange Insurance Association offer SR-22 insurance?

If you’ve had more than your fair share of traffic citations, automobile accidents, and/or auto insurance claims, you may be considered a high-risk driver.

Normally, high-risk drivers are required to purchase SR-22 insurance, which isn’t available through all companies, so it may take some looking around to find coverage.

The filing fee to get SR-22 insurance is only $15–$35, but the increase in rates for SR-22 insurance when compared to rates for drivers without any driving violations on their records is steep.

Rate increases for driving violations that result in a driver being forced to carry SR-22 insurance can be as much as $541/mo.

#2 – Why would my provider cancel my auto insurance policy?

Your auto insurance provider may cancel your policy if you do any of the following:

• Get your driver’s license suspended or revoked
• Lie during the application process
• Fail to pay your auto insurance premium

Your auto insurance company may also choose not to renew your policy if they determine you to be a high-risk driver.

#3 – What kinds of questions should I be prepared for when purchasing my auto insurance policy?

When you apply for an auto insurance policy, you will be asked a series of demographic questions such as your name, age, sex, etc. You will also be asked a variety of other questions aimed at assessing your risk as a driver.

Some of the things the insurance company will want to know about are your financial background, the type of vehicle you’re insuring, and whether or not you’ve had any tickets or accidents in the past.

Once this information is collected, the insurance company uses this data to assess your risk as a driver and to determine your policy rates. This is known as the underwriting process.

By using this method of risk evaluation, auto insurance companies are able to reduce their chances of losing money on issued policies. Through this process, the insurer can determine your risk factors and decide if they want to insure you, and if so, at what rate.

#4 – Are there benefits to using an agent to purchase auto insurance?

While it’s possible to purchase your auto insurance policy directly instead of through an agent, there are some possible downsides to doing so.

First of all, if you choose to go with a local agent, you will get the advantage of more personalized service. This experience is just not possible when you purchase directly from a large company. With a local agent, you may even speak to the same person about your policy every time.

Many people believe that buying directly from the company can save them money by cutting out the figurative “middleman,” but this theory fails to take into account the amount of money these companies spend on direct marketing. That can even out the playing field, meaning that a local agent can often offer you the same price you could get buying directly from the company.

#5 – How does adding drivers to my auto insurance policy affect my rates?

Adding another driver to your auto insurance policy means that your car will be spending more time on the road, as multiple people will be driving it. That alone is enough to raise your rates, but adding someone else to your auto insurance policy also means that your rates will be affected by that driver’s perceived risk, as well.

For example, adding a teenager to your policy can raise your auto insurance rates drastically since teenage drivers are inexperienced and auto insurance companies see them as high-risk drivers, whereas adding your spouse might not raise your rates quite as much.

There are restrictions as to who you can add to your auto insurance policy. Most companies will only allow you to add people in the same household to your policy. Always talk to your insurance provider about adding new drivers, as a claim filed involving a driver that isn’t on your policy will be denied.