Response Auto Insurance Review (2024)

Response insurance sells only auto insurance. They offer liability, collision, and comprehensive coverage, which meets state minimum requirements in all 50 states.

UPDATED: Feb 19, 2024Fact Checked

Travis Thompson

Licensed Insurance Agent

Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...

Licensed Insurance Agent

Justin Wright

Licensed Insurance Agent

Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...

Licensed Insurance Agent

UPDATED: Feb 19, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Feb 19, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Feb 19, 2024Fact Checked

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Response Insurance

Average monthly rate for good drivers:

$112

A.M. Best rating:

A-

Complaint level:

Low

Pros

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

Cons

  • Response Insurance sells only auto insurance

Final Verdict: Review of Response Insurance

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.

To find and compare online auto insurance quotes, enter your ZIP code in the box above!

[su_box title="Things to Remember..." style="default”]
  • 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
[/su_box] 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. To find and compare online auto insurance quotes, enter your ZIP code in the box above!

What You Should Know About Responsive Auto Insurance

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.

Responsive Auto Insurance Coverage Options

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:

  • National Merit Insurance Company
  • Response Indemnity Company
  • Response Indemnity Company of California
  • Response Insurance Company
  • Response Worldwide Direct Auto Insurance Company
  • Response Worldwide Insurance Company
  • Warner Insurance Company

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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Responsive Auto Insurance Discounts Available

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.

Frequently Asked Questions

How can I cancel my auto insurance policy with Response Auto Insurance?

If you wish to cancel your auto insurance policy with Response Auto Insurance, you should contact their customer service. They will guide you through the cancellation process and provide any necessary instructions or documentation. It’s important to review the terms and conditions of your policy regarding cancellation and any potential fees.

What payment options are available with Response Auto Insurance?

Response Auto Insurance offers various payment options for policyholders. These options may include electronic funds transfer (EFT), credit card payments, debit card payments, and traditional check payments. You can choose the payment method that suits you best.

Can I make changes to my auto insurance coverage with Response Auto Insurance?

Yes, you can make changes to your auto insurance coverage with Response Auto Insurance. Whether you want to adjust your coverage limits, add or remove vehicles, or make other changes, you can contact their customer service or access their online policy management platform.

Can I add additional drivers to my auto insurance policy with Response Auto Insurance?

Yes, Response Auto Insurance allows you to add additional drivers to your policy. You may need to provide information about the drivers you wish to add, such as their driver’s license details and driving history.

Can I manage my policy online with Response Auto Insurance?

Response Auto Insurance offers online policy management for their customers. Through their website or customer portal, you can access and manage your policy, make payments, view policy documents, and update your information.

Is Response Auto Insurance licensed in multiple states?

Yes, Response Auto Insurance works with licensed companies that operate in multiple states to meet the licensing requirements of different states. This allows them to provide the best auto insurance products to their clients while complying with state regulations.

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Travis Thompson

Licensed Insurance Agent

Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...

Licensed Insurance Agent

Justin Wright

Licensed Insurance Agent

Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Compare Quotes from Top Companies and Save

Enter your ZIP code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption