Unitrin Insurance Review & Ratings (2024)

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 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.

What You Should Know About Unitrin Insurance

• Liability coverage costs about $42 per month on average annually.
• Collision coverage costs about $29 monthly on average annually.
• Provides budget-friendly rates and outstanding customer service.

Unitrin Insurance can provide you with whatever kind of insurance you need, whether it be for your car, house, life, or business. Simply input your zip code to compare prices from the finest insurance companies in your neighborhood. Take charge of your insurance requirements right away and snag the coverage that’s right for you.

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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.

Read more: Kemper Car Insurance Discounts

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.

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.

Unitrin Insurance Rates Breakdown

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.

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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.

Unitrin Insurance Discounts Available

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.

Seamless Claims Process With Unitrin Insurance

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Unitrin Insurance aims to simplify the claims process for its customers by offering multiple convenient methods for filing a claim. Policyholders can choose to file a claim online through the company’s user-friendly website, over the phone by contacting their 24/7 claims reporting hotline, or even through mobile apps for added convenience.

This flexibility in claims reporting allows customers to select the method that best suits their preferences and circumstances, making it easier to initiate the claims process promptly.

Average Claim Processing Time

The efficiency of the claims process is crucial for customers during their time of need. Unitrin Insurance understands this and strives to provide a swift resolution to claims.

While specific processing times may vary depending on the complexity of the claim, the company is committed to processing claims as efficiently as possible. Policyholders can expect timely updates on the status of their claims to ensure transparency throughout the process.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is invaluable when assessing an insurance company’s performance in handling claims. Unitrin Insurance encourages policyholders to share their experiences with claim resolutions and payouts.

While opinions may differ based on individual circumstances, many customers have reported positive experiences with Unitrin’s competitive rates and helpful customer service representatives during the claims process. This feedback provides valuable insights into the company’s commitment to customer satisfaction and its ability to deliver on its promises.

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Exploring Unitrin Insurance Cutting-Edge Digital and Technological Features

Mobile App Features and Functionality

Unitrin Insurance recognizes the importance of digital tools in enhancing the customer experience. The company offers a mobile app with a range of features and functionalities to make managing insurance policies more convenient.

Policyholders can use the app to access their policy information, make payments, and even file claims from the palm of their hand. This mobile app empowers customers to have greater control over their insurance needs while on the go.

Online Account Management Capabilities

For those who prefer managing their insurance policies through a web-based platform, Unitrin Insurance provides an online account management system. This platform allows customers to easily access and update their policy details, review billing information, and monitor claims status.

The user-friendly interface ensures that policyholders can efficiently navigate their accounts and make necessary adjustments without hassle.

Digital Tools and Resources

Unitrin Insurance goes beyond the basics, offering a variety of digital tools and resources to help customers make informed decisions about their coverage.

These resources may include informative articles, insurance calculators, and educational materials to assist customers in understanding their insurance options better. By providing these digital tools, Unitrin aims to empower its policyholders with the knowledge they need to make confident choices when it comes to their insurance coverage.

How Unitrin Insurance Ranks Among Providers