Trustage Auto Insurance: How American First Credit Union Helps Members Save on Coverage

What is Trustage Auto Insurance?

Trustage Auto Insurance is a brand that partners with credit unions to provide auto coverage tailored to member needs. Rather than selling directly to the public, Trustage works through institutions like American First Credit Union (AFCU) to bundle insurance with banking services, offering members access to competitive rates and a streamlined claims process.

How AFCU's Partnership Works

AFCU's members can shop for Trustage auto insurance through the credit union's online portal or local branch. The credit union acts as a conduit, handling paperwork, policy issuance, and billing, while Trustage delivers the insurance product. Members receive the same coverage options as any other insurer—liability, collision, comprehensive, uninsured motorist, and optional add‑ons—yet the credit union's member‑only pricing often results in lower premiums.

Benefits for AFCU Members

1. Lower Premiums – Member‑only discounts reduce base rates by up to 10% compared to retail insurers.

1. Integrated Billing – Auto insurance premiums can be added to the member's existing AFCU account, simplifying payment and avoiding missed due dates.
2. Dedicated Support – AFCU's customer service team assists with policy questions, while Trustage's claims specialists handle incident filings.
3. Bundling Perks – Combining auto insurance with other AFCU products (e.g., auto loans, credit cards) can unlock loyalty rewards or cashback.

   Coverage Options and Customization

   Trustage offers standard auto insurance tiers: Basic, Mid‑Tier, and Premium. Members can add optional coverages such as:

   • Roadside Assistance
   • Rental Reimbursement
   • Gap Insurance for new car purchases
   • Zero‑Dollar Deductible for specific claims

   Coverage limits and deductibles are adjustable to match each member's risk tolerance and vehicle value.

   Claims Process and Member Experience

   Filing a claim is straightforward: members report incidents via the AFCU mobile app or Trustage's 24/7 hotline. An automated system assigns a claims adjuster, and the member can track status in real time. In most cases, the insurer pays directly to the repair shop or reimburses the member, with no out‑of‑pocket deductible if the member's policy includes that feature.

   Choosing the Right Coverage for You

   When evaluating Trustage through AFCU, consider:

   • Vehicle age and mileage—newer cars may benefit from comprehensive and gap coverage.
   • Driving habits—frequent commuters may need higher liability limits.
   • Budget—balance premium costs against deductible amounts.
   • Credit union perks—check if bundling with other AFCU products offers additional discounts.

   How to Get Started with AFCU and Trustage

   1. Verify AFCU membership status.

4. Log into the AFCU online portal and navigate to the "Insurance" section.
5. Request a quote, comparing coverage levels and premiums.
6. Approve the policy; the credit union will add the premium to your account and issue the policy documents.
7. Activate coverage and enjoy peace of mind on the road.

   Conclusion

   American First Credit Union's partnership with Trustage Auto Insurance delivers member‑focused benefits—lower rates, integrated billing, and dedicated support—making it a compelling option for credit union members who value convenience and value in auto coverage.