Unitrin Direct Auto Insurance Review (2024)

Unitrin Direct is a subsidiary of Kemper Direct and offers plenty of auto insurance perks. While Unitrin Direct does not publish rates online, the company claims that new policyholders can save up to $574 annually. Learn more in our Unitrin Direct auto insurance review, or if you’re ready to buy auto insurance, enter your ZIP code to begin comparing affordable car insurance rates from top companies.

UPDATED: May 16, 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: May 16, 2024Fact Checked

Laura Berry

Former Licensed Insurance Producer

Laura Berry has experience as a licensed producer selling life, health, and property insurance coverage for both Allstate and State Farm. She has dedicated many hours to helping her clients understand the insurance marketplace so they could find the best car, home, and life insurance products for their circumstances. While she currently helps businesses take advantage of the federal R&D tax...

Former Licensed Insurance Producer

Dani Best

Licensed Insurance Producer

Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

Licensed Insurance Producer

UPDATED: May 16, 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: May 16, 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: May 16, 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: May 16, 2024Fact Checked

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Unitrin Direct

Average monthly rate for good drivers:

$83

A.M. Best rating:

A-

Complaint level:

Low

Final Verdict: Review of Unitrin Direct

If you’re looking for a Unitrin Direct auto insurance review, you’ve come to the right place. Unitrin Direct auto insurance quotes are shared with its parent company, Kemper Direct.

Both companies don’t publically list their auto insurance rates, but we can you an idea of how much you’ll pay per coverage type and how much the average monthly cost is for auto insurance. Continue reading to learn which coverage is the cheapest.

Ready to compare your current Unitrin Direct auto insurance rates with quotes from other top companies? Get instant affordable auto insurance quotes from top auto insurance companies at any time by entering your ZIP code above!

[su_box title="Things to Remember..." style="default”]
  • Unitrin Direct services its customers through the internet, and its 25 offices spread about the country.
  • The Kemper name was formally a registered name of Lumbermen’s Mutual Group.
  • The Unitrin Direct Specialty division is headquartered in Dallas with branches in Woodland Hills, CA and Salem, OR.
[/su_box] If you're looking for a Unitrin Direct auto insurance review, you've come to the right place. Unitrin Direct auto insurance quotes are shared with its parent company, Kemper Direct. Both companies don't publically list their auto insurance rates, but we can you an idea of how much you'll pay per coverage type and how much the average monthly cost is for auto insurance. Continue reading to learn which coverage is the cheapest. Ready to compare your current Unitrin Direct auto insurance rates with quotes from other top companies? Get instant affordable auto insurance quotes from top auto insurance companies at any time by entering your ZIP code above!

What You Should Know About Unitrin Direct

Unitrin Insurance, also known as Unitrin Direct Insurance Company or Untrin Auto & Home Insurance Co, was discovered under the direction of CEO and company president Donald Southwell of Unitrin, Inc., and Timothy Bruns, Vice President of Unitrin Direct in the year 2000.

Who owns Unitrin Insurance Company? Unitrin purchased the Kemper name in 2010 and now solely operates under it.

Although this is the date of its formal inception, the company combines over 80 years of experience under its two headquarters and offices in Vista, CA, Scranton and Plymouth, PA, Meridan, CT and Tampa, FL.

The Unitrin Insurance Company services its customers through the internet, and its 25 offices spread about the country. This business conglomerate has over 6 million policyholders and over 9 billion in company assets. According to A.M. Best, Unitrin Direct has an “A-, “which means the company is stable and has a superior ability to meet obligations to customers.

Unitrin Direct Auto Insurance Underwriters

Unitrin underwrites its policies through Unitrin Direct Property and Casualty Company, Home State Mutual Insurance Company, and Unitrin Direct Insurance Companies.

Its subsidiaries and affiliates are under numerous names and include:

  • Warner Insurance
  • Valley Insurance
  • Valley Property and Casualty
  • Trinity Universal Insurance
  • Mutual Savings Fire
  • National Merit
  • Alpha Property and Casualty
  • Charter Indemnity
  • Financial Indemnity

There are many under the various Unitrin and Response Insurance names.

The company recently purchased Kemper Insurance Company in 2002.

The Kemper name was formally a registered name of Lumbermen’s Mutual Group. Trinity Universal purchased the Merastar Insurance Company in 2007 to expand its services.

The Unitrin Direct Marketing Concept

The company also recently revamped its marketing concept by merging the importance of customer service and technology in today’s insurance industry.

They identify this new concept as “iMingle.” Unitrin Direct recognized the needs of the new generation of policyholders and implemented this service idea in November of 2010.

Personal insurance is offered through a volunteer employer-sponsored benefit program.

The idea is to make insurance available directly to the public. Unitrin Direct is licensed in 48 states to offer policies on the company website or through the call center.

Unitrin Direct Preferred Insurance

The Merastar acquisition allows Unitrin Direct to capitalize on the group auto insurance market. Merastar has provided this type of auto insurance group coverage for over 30 years.

Under the Unitrin Direct name, it continues to provide Merastar’s elite group expertise. Every group representative is a licensed agent who is qualified to do business according to your company’s standards.

Your employees may take advantage of the benefits associated with pay-deducted premiums. The volunteer-employer-sponsored benefits program allows them to make payments painless and easy through payroll deductions.

They can go to your company website and link to Unitrin Direct to manage their accounts and track auto insurance claims.

This service requires no cost to you, the employer. It is a good plan for attracting recruits to your company. Deductions are scheduled around your payroll dates and coordinated with your administrator.

Unitrin Direct Specialty Division

The Unitrin Direct Specialty division is headquartered in Dallas with branches in Woodland Hills, CA and Salem, OR. This team of experts combines over 60 years of experience.

If you have an antique, classic car, muscle car, limousine fleet, or any vehicles that qualify for specialty coverage, you may be serviced by any of the company’s 8,500 independent brokers and agents in 23 states.

Unitrin Auto Insurance Claims Processing

Claims processing is the backbone of the Unitrin company and its affiliates. Therefore, if you file a claim, you can rest assured that Unitrin car insurance will provide you or your company with the resources it needs to make submission easy.

Watch this video on what you should do if you’re in an accident.

You can report claims around the clock for your convenience. Representatives with the Unitrin auto and home insurance company are standing by to take the pertinent information necessary to process your claim quickly.

When you call to report an accident, have a windshield repaired, or damage to your parked vehicle, you will need the following information:

  • Date of the incident
  • Location of the incident
  • People involved
  • Vehicles involved
  • Any injuries

Complete details are essential to the initial submission process. This will prepare the agent in offering guidance from that point on.

You will be given information on the company’s Gold Standard Repair Program if Unitrin Direct Auto car insurance is to pay for the repairs. This can also be done on the Unitrin website with a zip code. They will locate a shop within a 25-mile radius of your home or office.

Unitrin Direct Career Opportunities

This outfit is continuously looking for new agents and other dedicated professionals to help improve Unitrin Insurance Co services. With $9 billion in assets, qualified individuals are bound to find a good fit. Some of the benefits this company offers its employees are:

  • Eight holidays yearly
  • 401K plans
  • Pension plans
  • A choice of two dental plans
  • Vision coverage
  • Flexible spending accounts
  • Education reimbursement

There is an opportunity for growth for all employees. The company claims to hire without discrimination to any of the protected groups of people.

Unitrin Direct Customer Reviews

Many reported customer Unitrin Direct auto reviews are horror stories from people who are former and current policyholders. One customer said he was not allowed to cancel an auto insurance policy his ex-wife established when they divorced.

Another claimed they signed up for a six-month single payment policy, and the company renewed it without permission.

Many Unitrin Direct insurance reviews are from individuals who were involved in auto accidents with Unitrin policyholders. Some Unitrin Direct complaints say the company refused to pay Unitrin insurance claims for various reasons.

Many Unitrin Direct auto insurance complaints mention poor customer service they received when they finally made contact with a real person. Satisfied customer Unitrin Direct auto insurance reviews are sprinkled in these lists of comments.

Free Auto Insurance Comparison

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

secured lock Secured with SHA-256 Encryption

Unitrin Direct Insurance Rates Breakdown

Since Unitrin Direct is a subsidiary of Kemper Direct, it will be available in all the areas where Kemper Direct conducts business.

Kemper Direct is in the top 25 auto insurance companies in the auto insurance industry.

Looking for Unitrin Specialty insurance quotes? Unitrin Direct and Kemper Direct don’t post much about their auto insurance rates because they want potential customers to get a personalized quote from them.

However, we can show you the average auto insurance cost by coverage rate. Keep in mind that these rates will change based on the company you’re with, the vehicle you drive, where you live, how old you are, driving record, and your credit score.

For now, let’s look at the average insurance cost based on the latest research from the National Association of Insurance Commissioners (NAIC).

Auto Insurance Monthly Rates by Coverage Type
CoverageRates
Collision$27
Comprehensive$12
Full Coverage$86
Liability$46
Medical Payments$40
Personal Injury Protection$35
Uninsured/Underinsured Motorist Coverage$30

The base auto insurance rates are affordable. When auto insurance companies start factoring in different parts to determine auto insurance, your auto insurance quote will increase.

Are you looking to buy Unitrin Direct car insurance? You can find great auto insurance rates from top providers in your area now— simply enter your ZIP code into our free quote tool below to compare your Unitrin insurance quote to competitors near you.

Unitrin Direct Discounts Available

Discounts are crucial to Unitrin Direct policyholders, and Unitrin recognizes this need. Although the company claims that new policyholders save approximately $574 per year in comparison to other major carriers, additional auto insurance discounts may be available.

Some of those savings worth mentioning include:

  • Advanced premium payments
  • Larger deductibles
  • Safe driver discounts
  • Club and organization discounts (i.e., AARP)
  • Multiple car discounts

Unitrin agents will guide you in personalizing your policy to help you identify every savings you deserve. Existing policyholders can also make changes to their policy at any time.

And you won’t know your savings with any of the best auto insurance companies unless you get quotes and ask about those discounts!

Frequently Asked Questions

Is Direct Auto insurance good?

Direct Auto is rated by A.M. Best as a company with “Excellent” financial strength. Also, Direct Auto has an “A+” with the Better Business Bureau.

What are the best home insurance companies?

Amica, Allstate, State Farm, and USAA are the best home insurance companies, according to J.D. Power Overall Satisfaction Home Insurance Study.

Is Progressive a reputable insurance company?

Progressive is one of the top insurance companies in the United States. The company is fourth in the insurance market share.

Is Kemper auto insurance any good?

Yes. According to hundreds of user ratings, Kemper Direct auto insurance is right for high-risk drivers.

Does Direct Auto insurance have a grace period?

Yes. Most businesses have a grace period of seven to ten business days to make a payment on a bill.

What are the worst insurance companies?

According to Consumer Reports, the lowest-rated auto insurance companies are Esurance, Nationwide, Liberty Mutual, Allstate, and Kemper.

What types of coverage does Unitrin Direct Auto Insurance offer?

Unitrin Direct Auto Insurance offers a range of coverage options tailored to meet the needs of drivers. These typically include liability coverage (both bodily injury and property damage), comprehensive coverage, collision coverage, uninsured/underinsured motorist coverage, medical payments coverage, and personal injury protection (PIP). It’s recommended to review their policies or contact their customer service for specific details about the coverage options available.

How do I file a claim with Unitrin Direct Auto Insurance?

To file a claim with Unitrin Direct Auto Insurance, you should contact their claims department directly. They will guide you through the process and provide you with the necessary forms and information required to file your claim. It’s important to have all the relevant details, such as the date, time, and location of the incident, as well as any relevant photos or documentation.

Since Unitrin owns Kemper, you can also use your Kemper insurance login to file a claim.

Can I manage my Unitrin Direct Auto Insurance policy online?

Yes, Unitrin Direct Auto Insurance typically offers an online platform or customer portal where you can manage your policy. Through this portal, you can make payments, view policy details, access digital ID cards, initiate changes to your coverage, and sometimes even file claims. Visit their website or contact their customer service to inquire about their online policy management options.

What factors can affect the cost of my auto insurance with Unitrin Direct?

Several factors can influence the cost of your auto insurance policy with Unitrin Direct. Common factors include your driving record, the type of vehicle you drive, your age and gender, your location, your credit history, and the coverage options you select. Unitrin Direct utilizes its own rating system, so it’s best to contact them directly or obtain a quote to get accurate pricing based on your specific circumstances.

What is the Unitrin auto insurance phone number?

A top question readers ask is, “What is the Unitrin Auto and Home Insurance Company phone number?” The Unitrin insurance phone number is 1-866-860-9348, which is also the Kemper auto insurance phone number, since Unitrin operates under the Kemper name as of 2010.

You may still be wondering, “What’s the phone number for filing Unitrin Safeguard Insurance Company auto claims?” The Unitrin insurance claims phone number is 1-800-353-6737, which is also the Kemper Direct phone number for claims.

How do I check the status of my Kemper claim?

To check the status of your Kemper claim, call the Kemper insurance claims phone number at 1-800-353-6737.

Is Unitrin the same as Kemper?

You might be asking, “What did Kemper Insurance used to be called?” Unitrin and Kemper are related companies, but not the same. In 2010, Unitrin purchase the rights to the Kemper name and now operates under its name.

When did Kemper insurance go out of business?

A top question readers ask is, “What happened to Kemper insurance?” In 2023, Kemper insurance, also known as iMingle Insurance, announced it would stop selling auto and home insurance policies.

Why did Kemper go out of business?

In Kemper’s 2023 announcement that it would no longer sell preferred home and auto insurance policies, the company said it made the decision to focus on its specialty auto and life insurance products.

Is there a Unitrin Direct auto grace period?

Does Unitrin Direct auto have a grace period? Yes, Unitrin, now known as Kemper, offers a grace period, though the exact period varies by policy and state.

What is the grace period for Unitrin Direct auto insurance? Generally, most policies have a 10- to 30-day grace period.

Is Kemper good at paying claims?

According to a 2023 J.D. Power study, Kemper ranked low for claims satisfaction, scording 820 out of 1,000.

Free Auto Insurance Comparison

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

secured lock Secured with SHA-256 Encryption

Laura Berry

Former Licensed Insurance Producer

Laura Berry has experience as a licensed producer selling life, health, and property insurance coverage for both Allstate and State Farm. She has dedicated many hours to helping her clients understand the insurance marketplace so they could find the best car, home, and life insurance products for their circumstances. While she currently helps businesses take advantage of the federal R&D tax...

Former Licensed Insurance Producer

Dani Best

Licensed Insurance Producer

Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

Licensed Insurance Producer

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