Cranbrook Auto Insurance Review

A relatively small auto insurance company, Cranbrook was founded in 1983 and today employs about 20 people as of the time of this writing. Also known as Victoria Insurance, Cranbrook operates under USF Insurance, which is in turn a part of the AJ Kaufman Insurance Group.

AJ Kaufman is located in Farmington Hills, MI, which is also the headquarters of Cranbrook. USF is actually not an insurance provider, but an insurance agency, underwriting policies provided by companies like Cranbrook. So in short, USF are actually underwriting for a company that is located under them in AJ Kaufman’s corporate pyramid. If you’re looking for the best auto insurance companies, type in your ZIP code in our FREE comparison tool to receive good auto insurance quotes.

Rating Cranbrook and USF

Cranbrook’s insurance products carry an A- from Insurance Rating Experts at the time of this writing.

This rating company functions similarly to AM Best in that they aim to rate the financial strength and capability of various companies.

The A- rating means about the same as it would from AM Best, too: Cranbrook can be considered a dependable and financially stable insurance provider.

If you want the stats, Cranbrook are known to have assets of more than $31 million and a net surplus of more than $12 million, which is very solid and stable for a smaller insurance company with only about 20 employees, total.

User reviews seem to imply that Cranbrook is a company that maintains a strong reputation with their customers for reliability, honoring legitimate claims and staying true to the promises made in their policies. Some insurance providers will say one thing when you’re signing and something else when you make a claim, but Cranbrook is often noted for their transparency and consistency.

This alone would seem to rank Cranbrook among the better insurance providers out there today. Given that Michigan law requires no less than $10,000 in coverage for all drivers, it’s easy for an insurer to provide lousy coverage and break their promises and maintain steady income nevertheless simply because the law demands it.

Cranbrook is an example of what insurance would look like if it wasn’t required by law.

Just imagine what an insurance provider might be willing to do if the government wasn’t there to tell you to buy from them, if they had to earn every sale.

What Does Cranbrook Insure?

Cranbrook offers a lot of insurance policies for drivers of private passenger vehicles, but they are not confined strictly to this area of insurance. The company also offers coverage on boats, planes, health, home, and business. This means that it is possible to get some really great discounts by getting covered under an umbrella policy.

Contacting Cranbrook

There’s one major problem with Cranbrook: they don’t have a website. This is the age of the Internet after all, and for a company not to have a website in this day and age makes them very difficult to access conveniently. You can call them, but this involves looking up their hours and working through an operator and so on just to get a quote when it would be so much easier to just look it up on a website.

This isn’t a deal breaker for everyone, but when you’re comparing dozens of quotes at a time, you’re less likely to take the time to stop and pick up the phone and call someone. If you’re gathering all of the other quotes with a simple web search, it’s difficult to break the forward momentum of clicking from one site to another and switch to talking to an agent over the phone.

Comparison Shopping with USF

As an underwriting company, USF may actually be able to show you quotes not only from Cranbrook, but from their other insurance writers, as well. However, before you even decide to go to USF in the first place, you should take some time to gather a lot of quotes on your own and make sure that you are only buying from or thinking of buying from those companies that can really offer you the best possible deal.

The “best” insurance company is not an objective and set thing, rather, it is a matter of what’s right for you. No two drivers will want the same policies from the same insurance provider. Everybody has specific needs, they have their own car, their own credit history, a unique job, and a certain amount that they’re willing to spend. Don’t take anybody else’s word for it that USF or Cranbrook offer the very best insurance, make sure that you do some comparison shopping yourself, first.

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