Insurance company

Trumbull Insurance Company Review: Costs and Coverage (2022)

Trumbull Insurance Company has been around for a long time. In fact, you might have a Trumbull font yourself and not even know it. The auto insurer offers its own insurance policies in a few states and underwrites plans for The Hartford in others.

In this review, we’ll provide details about Trumbull Insurance Company’s customer service, pricing, coverage options and discounts. Whenever you’re shopping for car insurance, we recommend getting quotes from a few of the best car insurance companies so you can compare coverage and rates. You can get started by entering your postal code in the free tool above.

Trumbull Insurance Company Overview

Trumbull Insurance Company is over 200 years old which surpasses most other popular insurance companies in the market. Today it is a subsidiary of The Hartford. For this reason, company details are sparse and they are not measured by surveys or industry studies. It also has an AM Best rating of A+.

Trumbull Insurance Company offers a number of additional policy options not typically offered by smaller companies. The provider sells insurance online, through financial institutions and independent agents. However, you cannot file a claim online, you must call the insurer. This can be inconvenient for tech-savvy drivers.

Availability of Trumbull Insurance

Trumbull Insurance Company offers home and auto 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 may not contain up-to-date information. The Hartford only sells auto insurance to AARP members, but it’s unclear whether AARP membership is a requirement for Trumbull.

Other Trumbull Insurance Products

Hartford brokers policies from many insurance agencies across the country, so depending on location, Trumbull offers the following insurance policies:

  • Home Insurance
  • Business insurance
  • workers compensation insurance
  • Life insurance

Auto insurance coverage from Trumbull Insurance Company

Auto insurance coverage can be difficult to navigate. There are a lot of terms we don’t use in everyday life, so it’s important to understand the coverage you’re choosing. Generally, insurers offer six types of standard car insurance. You can also get all of this from Trumbull Insurance Company. They are:

  • Liability insurance (bodily injury and property damage): Compensates other drivers after causing an accident
  • Back to back 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 expenses after an accident
  • Personal injury protection insurance (PIP): Covers your medical expenses, funeral expenses and lost wages after an accident
  • Uninsured/Underinsured Motorist Coverage (UM/UIM): Pays your repair and medical costs if you are hit by a driver without sufficient coverage

Additional coverage options

In addition to these standard options, Trumbull Insurance Company offers a few additional covers. These include:

Trumbull Insurance Company Costs

Car insurance companies charge each insured based on the risk the driver poses to the business. Many things impact the Trumbull Insurance Company auto insurance quotes you’ll find, including:

  • Your age
  • Credit score
  • Driving history
  • Recent complaints
  • Current driving habits
  • Postal code
  • Coverage limits

Trumbull Insurance Company says it can offer cheap auto insurance rates because it doesn’t spend money on TV commercials or big marketing campaigns. Unfortunately, we couldn’t get a quote to test this ourselves.

We tried using the online quote tools for each of the states covered by Trumbull Insurance Company, but each time it brought us to a comparison tool that showed prices from other companies like Progressive and Allstate. It’s good to see a price comparison, but we couldn’t find a quote for Trumbull there.

Average Auto Insurance Costs

To help you get a better idea of ​​how much you could pay for Trumbull insurance, here are some national averages of major car insurance providers.

Auto Insurance Estimates for Good Drivers

Car Insurance Estimates for Drivers with Low Credit

Car insurance estimates for young drivers

Trumbull Insurance Company offers a number of discounts that could save you money on auto insurance, including:

  • AARP Discount
  • Senior discount
  • Safe Driver Discount
  • Discounts 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 are grouped with those of the larger company.

Overall, The Hartford does pretty well in terms of industry ratings and customer reviews – it has an A+ rating from BBB. However, the BBB also tends to attract negative reviews. Here are some examples from the company’s BBB page:

“Dishonest company. Adding additional charges to the initial quote at the end of the policy without the customer’s knowledge.”

– A N. via BBB

“If you’re ever involved in an accident and the other driver has this insurance company, lawyer!” …they will try to trick you and play games with you even when you are clearly the victim of an accident of one of [their] drivers aged 50 and over.

– Jess S. via BBB

“They profit [of] people…because they can [harass] old people who would just accept their legal gibberish even [if] it’s illegal in your state. My claim took months to be paid. If I had known, I would have had the car repaired myself.

– Asjad A. via BBB

Despite poor reviews, The Hartford had a below-average number of customer complaints in 2020, according to data from the National Association of Insurance Commissioners (NAIC).

Trumbull Insurance Company: Conclusion

We rate Trumbull Insurance Company 4.0 stars out of 5.0 because of its coverage options and affordable pricing. However, its technology is lacking. It might be a decent option for older drivers who have a good claims history and don’t need a fancy app or website. We also recommend researching other providers to get the best coverage.

Generally, it’s a good idea to get a few different auto insurance quotes when shopping around. You may even see different prices from the same companies you’ve tried in the past.

To speed up the search for your business, we’ve reviewed and ranked popular insurers to find the best car insurance in the industry. When asking for quotes from these big companies, be sure to ask an insurance agent about discount opportunities.

State Farm is the nation’s largest auto insurance provider and offers a range of options for different drivers. Here are some company highlights:

  • Financial strength rating A++ by AM Best
  • BBB A+ rating
  • Additional coverages including classic car insurance, carpool insurance, roadside assistance and trip interruption coverage
  • Over a dozen discounts, including a great student discount of up to 20%
  • Above-Average Performance in JD Power’s 2021 U.S. Automotive Claims Satisfaction StudySM

Due to its student discount and Steer Clear® app that offers more discounts for young drivers, we think State Farm is the best choice for students in general. That being said, many adults and seniors also find great rates with the company. Read our State Farm auto insurance review for more details.

Geico is another great option for car insurance. The company started out serving only government employees, but anyone can get coverage from Geico today. Here are a few things we love about Geico:

  • Cheapest option for many drivers
  • Financial strength rating A++ by AM Best
  • BBB A+ rating
  • Discounts including 15% military discount and 8% federal employee discount
  • Good performance in JD Power Auto claims satisfaction study
  • Additional coverage options including roadside assistance, classic car insurance, ride-sharing insurance, rental coverage and mechanical breakdown insurance

In the modern world, it’s nice to have a technology-driven auto insurance company. Geico has one of the highest rated car insurance apps available and includes a virtual assistant named Kate. It’s something we expect from the second largest auto insurance provider in the United States. See our Geico car insurance review for more information.

Trumbull Insurance Company: FAQs

Methodology

In an effort to provide accurate and unbiased information to consumers, our team of experts collects data from dozens of car insurance providers to compile rankings of the best insurers. Companies receive a score in each of the following categories, along with an overall weighted score of 5.0 stars.

  • Industry Ranking: Insurers with strong financial ratings and customer-focused business practices receive the highest scores in this category.
  • Availablity: We consider availability by state as well as exclusions for specific groups of drivers.
  • Cover: This rating is based on the types of insurance available, maximum coverage limits and supplemental policies.
  • Cost and discounts: Our research team reviews auto insurance rate estimates generated by Quadrant Information Services for a variety of drivers in each state. Companies with lower prices and many auto insurance discount opportunities receive the highest scores.
  • Customer service: We scour customer reviews and consumer feedback studies from experts like JD Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.

*Data correct at time of publication.