Unitrin Insurance Review & Ratings (2023)

Unitrin is a full-service insurance company, providing life, home, auto, health and commercial coverage. The company was founded in 1990 and prospered through the 90s, acquiring a major competitor in 2002 to become the corporation it is today. Unitrin is operated in 6 distinct groups, each group handling a particular type of insurance or financial function.

Unitrin Insurance is a well-established car insurance company with a long history and a clear mission to provide affordable and reliable coverage to drivers across the country. Their main products and services include liability, collision, and comprehensive coverage, as well as various add-ons and discounts for eligible customers.

While the cost of their services may vary depending on the state and individual circumstances, Unitrin Insurance has a reputation for providing competitive rates and excellent customer service.

Interesting Attributes of Unitrin Insurance:

• A well-established car insurance company with over 100 years of experience in the industry.
• Offers competitive rates and a wide range of coverage options to meet the needs of different drivers.
• Provides various discounts and add-ons to help customers save money on their car insurance premiums.

With a clear mission to provide affordable and reliable coverage to their customers, Unitrin Insurance has established itself as a trusted name in the industry. Their commitment to customer service and competitive rates has made them a popular choice among drivers looking for car insurance coverage that meets their needs and budget.

In this review, we will explore the history and mission of Unitrin Insurance, their main products and services, the cost of those services, and the different types of discounts available to customers. We will also take a closer look at customer reviews of the company, highlighting their strengths and weaknesses.

Unitrin Insurance History and Mission

Unitrin Insurance has a long history in the insurance industry, dating back to 1900 when it was founded as the United Insurance Company of America. Over the years, the company has undergone several changes, including a merger with Trinity Universal Insurance Company in 1990 to form Unitrin Inc.

In 2010, Unitrin Inc. was acquired by Kemper Corporation, a leading provider of property and casualty insurance, and today, Unitrin Insurance operates under the Kemper Auto brand.

The mission of Unitrin Insurance is to provide affordable and reliable coverage to their customers. They aim to make the car insurance process as simple and straightforward as possible, offering a wide range of coverage options to meet the needs of different drivers.

They also strive to provide excellent customer service, with 24/7 claims reporting and customer service hotline, as well as an online portal for policy management and payments. Overall, Unitrin Insurance aims to be a trusted and accessible provider of car insurance coverage.

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Unitrin Insurance Coverage Options

Unitrin Insurance offers a range of coverage options to meet the needs of different drivers. These options include:

• Liability coverage: This coverage protects the insured driver in case they are found to be at fault in an accident that results in bodily injury or property damage to another person.
• Collision coverage: This coverage pays for repairs to the insured driver’s car if it is damaged in a collision with another vehicle or object.
• Comprehensive coverage: This coverage pays for damage to the insured driver’s car that is not caused by a collision, such as theft, vandalism, or natural disasters.
• Personal injury protection (PIP): This coverage pays for medical expenses and lost wages for the insured driver and their passengers if they are injured in an accident, regardless of who is at fault.
• Uninsured/Underinsured motorist coverage: This coverage protects the insured driver if they are involved in an accident with a driver who does not have insurance or does not have enough insurance to cover the damages.

Cost Breakdown of Unitrin Insurance

The cost of car insurance coverage from Unitrin Insurance can vary depending on several factors, including the driver’s age, location, driving record, and the level of coverage selected. However, here is a breakdown of the potential cost of Unitrin Insurance:

• Liability coverage: The average cost for liability coverage from Unitrin Insurance is around $508 per year, or $42 per month.
• Collision coverage: The average cost for collision coverage from Unitrin Insurance is around $348 per year, or $29 per month.
• Comprehensive coverage: The average cost for comprehensive coverage from Unitrin Insurance is around $188 per year, or $16 per month.
• Personal injury protection (PIP): The average cost for PIP coverage from Unitrin Insurance is around $256 per year, or $21 per month.
• Uninsured/Underinsured motorist coverage: The average cost for uninsured/underinsured motorist coverage from Unitrin Insurance is around $144 per year, or $12 per month.

States Where Unitrin Insurance is Provided

Unitrin Insurance, operating under the Kemper Auto brand, provides car insurance coverage in several states across the United States. The major states where Unitrin Insurance is available include:

• California
• Illinois
• Indiana
• Iowa
• Kansas
• Minnesota
• Missouri
• Nebraska
• Ohio
• Oregon
• Pennsylvania
• Texas
• Virginia
• Wisconsin

If you’re interested in finding out whether Unitrin Insurance offers coverage in your state, here are the six steps you can follow:

1. Visit the Kemper Auto website: Unitrin Insurance operates under the Kemper Auto brand, so you’ll need to visit the Kemper Auto website to find out more information about their coverage options.
2. Click on the “Get a Quote” button: On the Kemper Auto homepage, you’ll see a button that says “Get a Quote”. Click on this button to start the process of getting a quote for car insurance coverage.
3. Enter your ZIP code: The Kemper Auto website will prompt you to enter your ZIP code. This is important because coverage options and pricing can vary by state, so the website needs to know your location to provide accurate information.
4. Enter your personal information: Once you’ve entered your ZIP code, you’ll be prompted to enter some personal information, such as your name, address, and driver’s license number. This information will be used to provide you with a quote for car insurance coverage.
5. Review coverage options and pricing: After you’ve entered your personal information, the Kemper Auto website will provide you with a quote for car insurance coverage. This quote will include information about the types of coverage available, as well as pricing information.
6. Contact a Kemper Auto agent: If you’re interested in purchasing car insurance coverage from Unitrin Insurance (under the Kemper Auto brand), you can contact a Kemper Auto agent for more information about coverage options and to purchase a policy.

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Discounts Available Through Unitrin Insurance

Unitrin Insurance offers various discounts and savings opportunities to help drivers save money on their car insurance coverage. Some of the most common discounts include:

• Multi-car discount: Drivers who insure more than one car with Unitrin Insurance can receive a discount on their overall premium.
• Safe driver discount: Drivers who have a good driving record with no accidents or moving violations within a certain timeframe can receive a discount on their premium.
• Defensive driving discount: Drivers who have completed a state-approved defensive driving course can receive a discount on their premium.
• Student discount: Drivers who are full-time students and maintain good grades can receive a discount on their premium.
• Homeowner discount: Drivers who own a home can receive a discount on their premium.
• Paid-in-full discount: Drivers who pay their entire premium upfront can receive a discount on their premium.
• Automatic payment discount: Drivers who enroll in automatic payment for their premium can receive a discount on their premium.

Customer Reviews of Unitrin Insurance

When considering car insurance providers, it’s always a good idea to read customer reviews to get an idea of the company’s strengths and weaknesses. Here’s an overview of customer reviews of Unitrin Insurance:

Strengths:

• Affordable rates: Many customers praise Unitrin Insurance for its competitive rates and the ability to find affordable coverage.
• Easy to work with: Several customers mention that Unitrin Insurance is easy to work with, whether they need to file a claim or make changes to their policy.
• Good customer service: Many customers report positive experiences with Unitrin Insurance’s customer service representatives, who are knowledgeable and helpful.

Weaknesses:

• Mixed reviews on claims process: While some customers report positive experiences with the claims process, others have had difficulty getting claims approved or getting timely responses from the company.
• Limited coverage options: Some customers report that Unitrin Insurance’s coverage options are limited, particularly when compared to larger insurance providers.
• Difficulty cancelling policies: A few customers report difficulties cancelling policies or receiving refunds for unused coverage.

In Review: Unitrin Insurance

Unitrin Insurance is a subsidiary of Kemper Auto, offering car insurance coverage to customers in several states across the US. The company’s mission is to provide affordable, reliable coverage and excellent customer service to its policyholders.

Customers can choose from several coverage options, including liability, collision, and comprehensive coverage, with discounts available for safe driving, multiple vehicles, and other factors.

While the company has received mixed reviews on its claims process and coverage options, many customers report positive experiences with its competitive rates and helpful customer service representatives.

If you’re interested in getting a quote for car insurance coverage from Unitrin Insurance (under the Kemper Auto brand), you can visit the Kemper Auto website and enter your ZIP code to see coverage options and pricing for your state.