OnStar Insurance

the onstar insurance options

This insurance company was initially started for GM car owners in the state of Arizona but has recently expanded its service nationwide because of the demand. In March 2022, Michigan wrapped up the list of the 50 states where OnStar Insurance became available.

It is worth mentioning that OnStar Insurance is also available for drivers who have a non-GM car, which is a great feature. Motor insurance, such as the Tesla insurance, is exclusive to the company's car, so in this regard, OnStar is a standout.

Here's all the information about OnStar Insurance that you need to know.

  1. OnStar vehicle insights
  2. OnStar services plans
  3. How accurate is OnStar diagnostics
  4. OnStar Safety and Security plan
  5. OnStar insurance reviews
  6. What does OnStar Cover?
  7. What happens when OnStar expires?

OnStar vehicle insights

OnStar initially debuted in the 1990s in Cadillac models and was among the industry's first embedded telematics that uses a built-in module to connect to an Advisor with first responders.

As the technology got better, remote diagnostics, vehicle diagnostics, navigation, and vehicle assistance became a part of the vehicles with OnStar. Starting with the 2010s, OnStar developed mobile apps that became easy to connect with the built-in hotspot in GM cars, including Buick, Chevrolet, and the newer Cadillac models.

OnStar services plans

OnStar currently has four services plans, which are:

  • Connected Vehicle – $24.99 per month + tax
  • Safety & Security – $29.99 per month + tax
  • Essentials – $39.99 per month + tax
  • Premium – $49.99 per month + tax

OnStar also has a couple of stand-alone services and plans you can use to customize a unique plan. The stand-alone services are:

  • OnStar Guardian App: Currently, this plan is on offer for a 1-month free trial when you subscribe to the app.
  • Remote Access:It is priced at $14.99 per month plus tax, and you can check features such as tire pressure and estimated fuel level and set radio stations using your smartphone.
  • Super Cruise:With this OnStar plan, you can travel over 32,000 km within the US and Canadian highways by paying just $30.99 per month and tax.

All OnStar plans and services are available for GM and non-GM vehicles. However, some offers and discounts are exclusive to newer GM car models. In addition, some OnStar discounts, such as good driving habits, are available only in some states.

How accurate is OnStar diagnostics

OnStar uses an advanced diagnostics tool, meaning that the results are pretty accurate, up to 99.9%. The diagnostics report from OnStar includes a monthly report, real-time diagnostic alert, proactive alert, and dealer maintenance notification.

OnStar Safety and Security plan

Safety and Security Plan is one of OnStar Insurance's service plans. The base plan starts at $29.99 per month, excluding the taxes, and the features include:

  • Roadside assistance
  • Crisis Assist by OnStar advisors
  • In-built stolen vehicle assistance technology
  • Emergency services from specially trained advisors
  • OnStar Guardian App on your car or motorcycle
  • Automatic Crash Response
  • Turn-by-Turn Navigation

The advantage of the OnStar Safety and Security plan is that you have 24/7 access to trained advisors for all types of vehicle emergencies right at the swipe of a button on your smartphone.

OnStar insurance reviews

OnStar has several reviews on both the company's site and third-party platforms. Here are a few examples:

On the brand site, George says, "OnStar gives you peace of mind," while Dinah says, "OnStar is worth every penny." Janet also says that OnStar will take care of everything, and you only need to press the button and ask for help.

On third-party platforms such as Facebook, OnStar has several 5-star reviews from happy customers. Independent reviewers of OnStar also talk very favorably about this auto-insurance company.

What does OnStar Cover?

OnStar Insurance covers everything from vehicle diagnostics, dealer maintenance notifications, proactive alerts, emergency services, crash response, roadside assistance, and stolen vehicle assistance.

However, it is worth mentioning that the OnStar plan that you choose will primarily decide which service you can avail of from this insurance company.

According to the company's site, OnStar also offers homeowners insurance through their partners, in case you are interested.

What happens when OnStar expires?

When your OnStar plan expires, you will lose access to the features with which the plan equips your car. For instance, you will no longer be able to run the diagnostics, or make a hands-free call to the advisors for any kind of help, even in an emergency.

Staying on top of your OnStar subscription and plans is a great way to avoid any inconvenience and not face unexpected expiration of your service plans.

But of course, calling the OnStar hotline at 1-888-466-7827 is always an option, and you can get an advisor to help you with any issue you might have.

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