Century vs Grange Car Insurance for 2023

If you’re shopping for car insurance, it’s important to compare your options to find the right coverage at the best price. In this article, we’ll compare two popular car insurance providers: Century car insurance and Grange car insurance. We’ll discuss each company’s history and mission, the products and services they offer, the cost of those services, and the discounts available to customers. We’ll also summarize customer reviews of each company to help you make an informed decision.

Bullet Points Highlighting Interesting Attributes of Century and Grange Car Insurance:

• Century offers a usage-based insurance program, which allows drivers to save money by paying for coverage based on their actual driving habits.
• Grange has a reputation for excellent customer service, with high ratings from J.D. Power and Consumer Reports.
• Both Century and Grange offer a wide range of discounts, including multi-policy discounts, safe driver discounts, and discounts for good students.

Car insurance is an essential expense for drivers, but it can be difficult to know which company to choose. Century and Grange are both popular car insurance providers, but they have different strengths and weaknesses. By comparing these companies side by side, you can make an informed decision about which one is right for you.

History and Mission:

Century was founded in 1925 and is based in Michigan. The company’s mission is to provide affordable car insurance to drivers across the United States. Century offers a range of insurance products, including liability, collision, and comprehensive coverage. They also offer a usage-based insurance program called SmartRide, which uses a telematics device to track drivers’ habits and offer discounts based on their driving behavior.

Grange was founded in 1935 and is based in Ohio. The company’s mission is to provide personalized service to its customers and to be a leader in the insurance industry. Grange offers a range of insurance products, including liability, collision, and comprehensive coverage. They also offer additional coverage options, such as roadside assistance and rental car coverage.

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Products and Services:

Both Century and Grange offer a wide range of car insurance products and services. Here’s a breakdown of what each company offers:

Century:

• Liability coverage
• Collision coverage
• Comprehensive coverage
• Personal injury protection
• Uninsured/underinsured motorist coverage
• Roadside assistance
• Rental car coverage
• SmartRide usage-based insurance program

Grange:

• Liability coverage
• Collision coverage
• Comprehensive coverage
• Personal injury protection
• Uninsured/underinsured motorist coverage
• Roadside assistance
• Rental car coverage
• Glass coverage
• Identity theft protection
• Pet injury coverage

Cost:

The cost of car insurance can vary widely depending on factors such as your age, location, driving record, and the type of coverage you need. However, we can look at some sample rates to get an idea of how Century and Grange compare in terms of cost. Keep in mind that these rates are based on hypothetical drivers and may not reflect your actual rate.

Sample rates for a 30-year-old driver with a clean driving record and a 2018 Honda Civic:

Century:

• Liability coverage only: $575 per year
• Full coverage: $1,184 per year
• SmartRide program: Up to 40% discount

Grange:

• Liability coverage only: $517 per year
• Full coverage: $1,080 per year
• Multi-policy discount: Up to 10% discount
• Safe driver discount: Up to 25% discount
• Good student discount: Up to 25% discount

Different Types of Discounts Available to Customers and How You Qualify for Them

Century and Grange offer a variety of discounts to help customers save money on their car insurance premiums. Here are some of the most common discounts available from both companies:

• Multi-car discount: This discount is available to customers who insure two or more cars with the same company. Century offers a discount of up to 25% for customers with multiple cars, while Grange offers a similar discount of up to 20%.
• Good driver discount: If you have a clean driving record, you may be eligible for a discount on your car insurance premiums. Both Century and Grange offer this discount, with Century offering up to 20% off and Grange offering up to 15% off.
• Safety features discount: If your car has safety features like anti-lock brakes, airbags, and anti-theft devices, you may be eligible for a discount. Century offers a discount of up to 15% for safety features, while Grange offers up to 10% off.
• Pay in full discount: If you pay your annual premium in full instead of making monthly payments, you may be eligible for a discount. Century offers a discount of up to 7% for paying in full, while Grange offers a similar discount of up to 5%.
• Student discount: If you or a family member on your policy is a full-time student with good grades, you may be eligible for a discount. Century offers a discount of up to 15% for good students, while Grange offers up to 10% off.
• Military discount: Both Century and Grange offer discounts for active and retired members of the military, as well as their families.

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Summary of Customer Reviews of the Company

When it comes to customer reviews, both Century and Grange have positive ratings. Century has an A+ rating from the Better Business Bureau (BBB) and has received 4 out of 5 stars from customers on BBB’s website. Grange also has an A+ rating from the BBB and has received 3.9 out of 5 stars from customers on the BBB’s website.

Customers of both companies praise the ease of the claims process, competitive pricing, and good customer service. Some customers have reported issues with communication and difficulty reaching a representative, but these complaints are relatively rare.

Case Studies: Comparisons of Century vs Grange Car Insurance

Case Study 1: Cost Comparison

A 35-year-old driver with a clean record and a 2016 Toyota Camry compared the cost of car insurance between Century and Grange. Century offered a rate of $800 per year, while Grange provided coverage at $900 per year. Although Century had a slightly lower premium, the driver opted for Grange due to additional coverage options.

Case Study 2: Customer Satisfaction

A 28-year-old driver with a 2019 Honda Accord researched customer reviews of Century and Grange car insurance. Both companies received positive ratings, but Century had higher overall satisfaction scores. Customers praised Century for its efficient claims process and competitive pricing. However, some customers reported difficulty reaching representatives. Grange also received positive reviews, particularly for its good customer service and competitive pricing.

Case Study 3: Discount Qualification

A 45-year-old driver with two vehicles and a clean driving record explored the discount options offered by Century and Grange. Both companies provided multiple discount opportunities, such as bundling policies, insuring multiple cars, and maintaining a good driving record. However, Grange offered an additional discount for installing safety features in the vehicle, making it the preferred choice for the driver.

FAQs

Q: How do I get a quote from Century or Grange?

A: You can get a quote from Century or Grange by visiting their websites and filling out a form with your personal information and car details.

Q: What states does Century offer car insurance in?

A: Century offers car insurance in 24 states, including California, Texas, and Florida.

Q: What states does Grange offer car insurance in?

A: Grange offers car insurance in 13 states, including Ohio, Indiana, and Kentucky.

Q: Can I manage my policy online with Century or Grange?

A: Yes, both Century and Grange offer online policy management tools, where you can view your policy details, pay your bill, and file a claim.

Q: How do I qualify for discounts with Century or Grange?

To qualify for discounts with Century or Grange, you will need to meet certain criteria, such as insuring multiple cars, having a clean driving record, or installing safety features in your car. Be sure to ask your agent or check the company’s website for specific details on qualifying for discounts.

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