Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 24, 2020

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Company Details
Address: 5600 Brainerd Road, Suite1A
City: Chattanooga
State: Tennessee
ZIP Code: 37411
Phone Number: 800-637-2782
Website: http://www.merastar.com
Year Founded: 1974
AM Best Rating: A-
Company Rating 0 (0 reviews)

Things to Remember...

  • Merastar itself has been in existence since 1974
  • Unitrin offers only two products, auto insurance and home insurance
  • The auto insurance policy offered by Unitrin is a personal auto insurance policy

Update: Merastar is now domiciled by Kemper.

A Merastar Auto Insurance review leads to the Unitrin Direct Preferred Insurance Company. It is the same company; it was just renamed to Unitrin Direct recently.  Merastar itself has been in existence since 1974.

Unitrin offers only two products, auto insurance and home insurance.

By only offering these options, they can focus on these two products exclusively making sure the auto insurance options and home insurance policies they do offer are the best possible policies for their customers.

Enter your zip code in the free box above to see what auto insurance quotes several companies have to offer!

Unitrin Direct Preferred Insurance Products

The downside to offering only two policies is that many people like to get all their insurance from one place including life insurance, health insurance, and other specialized policies.

When a company does not offer a lot of options, potential customers may want to find a different company to work with that has more insurance options available.

The auto insurance policy offered by Unitrin is a personal auto insurance policy. Auto insurance rates are dependent upon factors including:

Auto insurance discounts also have a bearing on the cost of monthly auto insurance premiums as do age and type of vehicle.

The home insurance policy provides coverage for your dwelling. The policy provides coverage for damage to your home or total destruction of your home.

It also covers liability if someone is injured on your property as well as medical expenses. If there is a natural disaster such as a fire or storm, Unitrin’s homeowner’s insurance will also cover the expenses of repairing or replacing your home.

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Unitrin Direct Preferred Insurance Discounts

Since Unitrin focuses on just two products, they can also customize the discounts they offer.

For auto insurance customer, Unitrin offers several discounts including those for:

  • Safe drivers
  • Good students
  • Anti-theft devices
  • Multi-policies

Any combination or even one of these discounts can help lower your monthly premium amount.

Many people do not realize that there are many ways to save money on homeowners insurance as well as auto insurance. With Unitrin, there are three specific home insurance discounts that help homeowners save money on their monthly insurance premiums.

The first one is the auto-home discount. If you have both your auto and homeowners policies with Unitrin, you will receive a discount.

The second is the protective device discount given to those who have an alarm system or other protective devices in their home. Each insurance company has a different definition as to what is accepted, so be sure to find out more specific information about this discount.

The third home insurance discount offered by Unitrin is the Safe and Sound discount. The longer you go without an incident in your home the better. This discount applies to homeowners insurance rates as well.

The longer you go without filing a claim, the lower your premium rate will be.

Unitrin Direct Employer-Sponsored Program

Unitrin also offers an Employer-Sponsored Program which allows companies to partner with Unitrin to offer their employees auto insurance, homeowners insurance, boat insurance and personal excess liability umbrella insurance.

Your company must be a sponsor of Unitrin in order to receive the benefits of the program.

This means that your employees will receive discounts on these coverage options and payments can be made through payroll deductions.

Companies can set up a link directly to Unitrin’s website through their company website so employees can ask questions or look over policy options.

The best thing about the Employer Sponsored Program is that is costs the employer nothing. However, a certain number of employees need to enroll in the program to justify a group discount.

As long as that number is reached, the benefit can be offered. This is truly a win-win situation for both the employer and the employees.

Start comparing auto insurance rates now by entering your zip code in the free box below!

References:

  1. https://en.wikipedia.org/wiki/Kemper_Corporation
  2. http://www.merastar.com
  3. http://www.insuranceproviders.com/life-insurance/
  4. https://www.statefarm.com/insurance/health
  5. https://www.thebalance.com/how-to-get-your-driving-record-527249
  6. https://en.wikipedia.org/wiki/Liability_insurance
  7. https://www.nationwide.com/good-student-discount.jsp
  8. https://www.progressive.com/homeowners/
  9. https://www.geico.com/information/aboutinsurance/umbrella/