Here’s what to expect from Trumbull Insurance.
The Trumbull Insurance Company has been around for a long time. In fact, you may have a Trumbull policy yourself and not even know it. The auto insurer offers its own insurance policies in a few states, and it underwrites plans for The Hartford in others.
In this review, we’ll provide details on Trumbull Insurance Company's customer service, prices, coverage options, and discounts. Anytime you shop for car insurance, we recommend getting quotes from the best car insurance companies so you can compare coverage and rates. You can get started by entering your zip code into the free tool above.
In this article:
- Trumbull Insurance Company Overview
- Trumbull Insurance Company Auto Insurance Coverage
- Trumbull Insurance Company Cost And Discounts
- Trumbull Insurance Company Reviews
- Our Take On Trumbull Insurance Company: 4.0 Stars
- Top Recommendations For Car Insurance
Trumbull Insurance Company Overview
The Trumbull Insurance Company is over 200 years old – that beats most other popular insurance companies on the market. Today, it’s a subsidiary of The Hartford. Because of that, it doesn't get graded on its own by industry surveys or studies. It also has an AM Best rating of A+.
Trumbull Insurance Company offers auto and homeowners insurance in a few states:
This information comes from the Trumbull Insurance Company website, but we wouldn’t be surprised if the provider offered insurance in more states. The website is a bit dated and might not have current information. The Hartford only sells car insurance to AARP members, but it’s unclear if AARP membership is a requirement for Trumbull.
Trumbull Insurance Company has a number of extra policy options that aren’t typically offered by smaller companies, and we’ll cover those below. The provider sells insurance online, through financial institutions, and through independent agents. However, you can't file a claim online, you must call the insurer. This can be inconvenient for tech-savvy drivers.
Trumbull Insurance Company Auto Insurance Coverage
Auto insurance coverage can be confusing to navigate. There are lots of terms we don't use in everyday life, so it's important to understand the coverage that you choose. Generally, insurers offer six standard types of auto insurance. You can get all of these from Trumbull Insurance Company as well. They are:
- Liability insurance (bodily injury and property damage): Compensates other drivers after you cause an accident
- Comprehensive insurance: Covers damage to your own car after environmental events, theft, and vandalism
- Collision insurance: Covers damage to your own car after an accident
- Medical payments (MedPay): Covers your medical bills after an accident
- Personal injury protection (PIP) insurance: Covers your medical bills, funeral costs, and lost wages after an accident
- Uninsured/underinsured motorist coverage (UM/UIM): Pays your bills if you get hit by a driver without enough coverage
In addition to these standard options, Trumbull Insurance Company offers a few extras.
12-month rate protection
Your rate stays the same each 12-month period, even if issues come up with your policy such as an at-fault accident.
You can renew your auto insurance for as long as you drive, maintain your license, and pay your policy.
New car replacement
If your car is totaled within 15 months or 15,000 miles, you can replace it with the exact same make and model.
This option can help cover the costs of household services if you can’t perform them after being in an accident.
Lifetime car repair insurance
If you use one of Trumbull Insurance Company’s authorized repair shops, the company will guarantee the work for as long as you own or lease the car.
This option pays toward a rental car up to the amount you specify.
This package upgrade includes accident forgiveness, a disappearing deductible, and a waiver of not-at-fault deductibles.
Trumbull Insurance Company Costs And Discounts
Auto insurance companies charge each driver based on the risk that the driver poses to the company. Many things impact the Trumbull Insurance Comapny auto insurance quotes you’ll find, including:
- Your age
- Credit score
- Driving history
- Recent claims
- Current driving habits
- Zip code
Trumbull Insurance Company claims that it can offer cheap auto insurance rates because it doesn't spend money on TV ads or big marketing campaigns. Unfortunately, we weren't able to get a quote to test that ourselves.
We tried using the websites' quote tools for each of the states that Trumbull Insurance Company covers, but each time, it brought us to a comparison tool that showed prices from other companies like Progressive and Allstate. It's nice to see a price comparison, but we didn't find quotes for Trumbull there.
Trumbull Insurance Company offers a number of discounts that could save you money on car insurance, including:
- AARP discount
- Senior citizen discount
- Safe driver discount
- Discount for bundling home and auto insurance in applicable states
- Multi-car discount
- Mileage discount
Trumbull Insurance Company Reviews
Since Trumbull Insurance Company is a subsidiary of The Hartford, its customer service ratings and reviews get lumped in with those of the larger company.
Overall, The Hartford performs pretty well in terms of industry ratings and customer reviews – it has an A+ rating from the BBB. However, the BBB tends to attract negative reviewers, as well. Here are a few examples from the company’s BBB page:
“Dishonest company. Added extra fees to the initial quote at the end of the policy without customer knowledge.”
- An N. via BBB
“If you are ever involved in an accident and the other driver has this insurance company, lawyer up! … They will try to trick and play games with you even when you are the clear victim of an accident of one of [their] age 50+ drivers.”
- Jess S. via BBB
“They take advantage [of] people… because they can [harass] older people who would just accept their legal mumbo jumbo even [if] it is illegal in your state. My claim took months to get paid. If I knew, I would have gotten the car fixed on my own.”
- Asjad A. via BBB
Our Take On Trumbull Insurance Company: 4.0 Stars
We rated Trumbull Insurance Company 4.0 out of 5.0 stars because of its coverage options and affordable prices. However, its technology is lacking. It could be a decent option for older drivers who have a good claims history and don’t need an app or a fancy website. We recommend looking into other providers as well so that you can get the best coverage.
To start comparing free car insurance quotes, use the tool below.
Top Recommendations For Car Insurance
Generally, it’s a good idea to get a few different car insurance quotes when you shop. You may even see different prices from the same companies you’ve tried in the past.
To help your search go faster, we’ve reviewed and ranked dozens of the most popular car insurance companies around. Some are better than others, and we’ve highlighted those in our comparison of the best auto insurance providers.
When you reach out for a quote from these top companies, make sure to ask about discount opportunities.
State Farm: Best For Students
State Farm is the largest car insurance provider in the nation, and it has a range of options for different drivers. Here are a few highlights of the company:
- A++ financial strength rating from AM Best
- A+ rating from the BBB
- Extra coverages including classic car insurance, rideshare insurance, roadside assistance, and trip interruption coverage
- Over a dozen discounts including a good student discount of up to 20 percent
- Above-average performance in J.D. Power’s 2020 U.S. Auto Claims Satisfaction StudySM
Because of its student discount and Steer Clear® app that gives more discounts to young drivers, we think State Farm is the best choice for students overall. That being said, many adults and seniors also find great rates with the company. Read our State Farm car insurance review for all of the details.
Geico: Best Overall
Geico is another great option for car insurance. The company started out by only serving government employees, but anyone can get coverage from Geico today. Here are a few things we like about Geico:
- Cheapest option for many drivers
- A++ financial strength rating from AM Best
- A+ rating from the BBB
- Discounts including a 15-percent military discount and an 8-percent discount for federal employees
- Good performance in the J.D. Power Auto Claims Satisfaction Study
- Extra coverage options including roadside assistance, classic car insurance, rideshare insurance, rental coverage, and mechanical breakdown insurance
In the modern world, it’s nice to have a tech-minded car insurance company. Geico has one of the highest-rated car insurance apps available, which even includes a virtual assistant named Kate. That’s something we’d expect from the second-largest car insurance provider in the United States. Read our Geico car insurance review for all of the details.
When trying to find a new car insurance provider, we recommend getting quotes from multiple insurers so you can compare coverage and rates. In addition to the insurance company you choose, factors such as your age, vehicle make and model, and driving history can affect your premium, so what’s best for your neighbor might not be best for you.
Use our free tool below to start comparing personalized car insurance quotes from top companies in your area.
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