Response Auto Insurance

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Company Details

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Things to Remember...

  • Response Insurance operates in all 50 states
  • Response Insurance sells only auto insurance
  • The best discount offered by Response Insurance is the good driver discount

Response Insurance is an insurance broker that operates in all 50 states. As a broker, they sell insurance directly but instead they also contract insurance out to underwriters and subsidiaries.

They themselves are a subsidiary of Unitrin Inc. Insurance Company. All data collected and reported about Response is based Unitrin and their growth as a company.

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Response Auto Insurance Products


Response Insurance sells only auto insurance coverage. Focusing on one product allows the company to stay very focused on the best possible companies and auto insurance policies.

Clients appreciate having a company that thoroughly understands the product they are selling.

The companies that Response sells auto insurance through have been licensed in several states.

They include the following:

Creating several companies and contracting with subsidiaries allows Response Insurance to meet the licensing requirements of varying states and provide the very best auto insurance products to their clients.

Each state has different regulations so when a company is licensed in one state, they may not be able to automatically be licensed in another state with restructuring.

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Response Auto Insurance Discounts

Response Insurance has used its experience writing auto policies and dealing with individuals and families to provide the best auto insurance discounts available.

The best discount offered by Response Insurance is the good driver discount. It makes sense that if you are a responsible driver you should be rewarded and Response wants to do just that.

Response tries to keep rates low by providing insurance to thousands of good drivers and offering them a discount. They do insure some drivers with a negative driving history, but they are in the minority.

The good driver discount is meant to be an extra motivation to clients to keep following traffic laws and driving defensively.

Another discount provided by Response Insurance is a good student discount. This is for high school students who maintain a B or higher average.

Each quarter, parents can fax their child’s report card to Response Insurance and if the average meets the requirements, the good student discount will be applied.

Other discounts that are offered also required some participation on the part of the policyholder. If you take a defensive driving course voluntarily, a discount will be applied to your policy.

This course can be taken through a local sheriff’s department, a community center, or through a driving company. Even if a cost is involved, it is worth the discount.

Having an anti-theft device on your vehicle will provide a discount as well. Many vehicles come with these types of devices already installed.

Response Auto Insurance Claims


The claim center at Response Insurance allows policyholders to file online or to call customer service to be led through the process. You should file your claim the way that is more comfortable for you.

Both of these claim filing options are available 24 hours a day 7 days a week, 365 days a year.

Response Insurance also provides an accident checklist that policyholders can print out beforehand and keep in their car.

The accident checklist can let you know what you need to record and be aware of, so you can gather as much information as necessary as soon as possible.

The sooner you file your claim, the sooner you can have your vehicle repaired or replaced.

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