Unitrin Direct Auto Insurance Review
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UPDATED: Jun 10, 2019
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Unitrin Direct Auto Insurance is a member of the Unitrin family of companies, a group of related financial services providers specializing in property and casualty insurance, and both personal and commercial life and health insurance.
Unitrin Direct sells insurance coverage directly to consumers, and also through employer-sponsored benefit programs on a voluntary basis.
Unitrin has existed on its own since 1990, after being spun off from the conglomerate Teledyne Inc. Unitrin was created as an entity within Teledyne originally, and since then, Unitrin has become an innovative leader in the industry, garnering a rating by A. M. best as one of the top 100 largest insurance providers in the U. S.
After Unitrin grew through its infancy and split from Teledyne, it posted sales of $1 billion coming from premiums and loans in its consumer finance division, in its first year. The company’s financial strength, coupled with its strong conservative executive management team made it a target for a major takeover in 1994.
Unitrin was able to defend itself, by buying back enough of its stock to fend off the potential buyers, then and into the future. Unitrin has the determination to maintain its independent status and has strengthened its bottom line in order to have the continued ability to stay independent.
Unitrin Direct continues to act as a part of the Unitrin family, with over 6 million policyholders, an A- (excellent) rating from A. M. Best Company, and $9 billion in assets. Unitrin Direct continues to grow and currently provides insurance to customers in 25 states.
Unitrin Direct Company Philosophy
Because Unitrin Direct sells auto insurance products to its customers through either its website or call centers, its prices remain very competitive.
The company has eliminated overhead and passed the savings on to its customers by cutting out the agents and expensive office space. The company drives its mission based on what is best for the customer, and is committed to providing extraordinary levels of service.
The company’s website contains a glossary of auto insurance terms that serves as a useful tool for customers to understand much of the terminology used when discussing their policies.
Unitrin Direct makes a great effort to provide all the information on its website that customers need to educate themselves to make informed decisions about their insurance coverage.
Unitrin Direct believes its separate business lines combine together to make it one of the nation’s strongest financial services providers, with a great amount of autonomy in each business unit. This gives the units, separately and collectively, the ability to respond quickly to changes in the industry, which sets it apart from its larger competitors.
The company also takes ethics in business seriously, and has a code of business conduct and ethics for every one of its associates, with an additional, more stringent code of ethics for its senior financial officers.
Unitrin Direct Insurance Products
The Unitrin Family is made up of separate divisions that handle life and health insurance, auto, property, casualty and life insurance, in addition to a variety of other consumer financial products and services.
Unitrin Direct has a series of articles on its website that answer questions about whether customers have enough insurance, or when it is safe to remove collision coverage from a car, among other things.
These articles, coupled with other information in the online learning center make it easy for customers to review their existing insurance coverage and see if there are any holes to fill.
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Unitrin Direct Customer Service Review
Unitrin Direct offers many different types of functionality on its website for customers. From filing and managing a claim, to buying a new policy and signing documents online; from managing policy changes and making payments on a policy, just about everything can get handled on the company’s website.
Additionally, the customer care section includes answers to many common questions to help make a customer’s experience more efficient and value-added.
Unitrin Direct takes pride in giving its customers innovative services and products including automatic bill pay, online coverage changes, and the ability to electronically sign policy documents so that a customer can complete her entire insurance transaction without ever leaving the comfort of her home.
The company has a toll-free hotline for claims as well as an ability to report certain claims online. Current claims also show on the company’s website for easy management and updates.
Additionally, when a customer files an auto insurance claim, Unitrin Direct assigns a representative to help them from start to finish. The representative stays with the customer from the time the claim is initiated until the last detail is finished and the customer has been made whole.
How much is Unitrin Direct Car Insurance?
Unitrin Direct provides information for discounts and additional savings on its website. Many of the discounts are automatically included in the rates quoted by Unitrin Direct.
Based on customer-provided answers, the company will proactively identify other discounts for its customers, such as a multi-vehicle or homeowner’s discount.
There are a large number of ways to get multiple discounts to reduce the cost of auto insurance with Unitrin Direct, from having specific safety equipment in a car such as airbags and antilock brakes, to an antitheft device and daytime running lights.
Customers agreeing to sign policy documents with an e-signature online will get rewarded with a discount, as well as payment of a policy in full, staying with the company for more than one year, and enrolling in the online automated payment system.
As a general benchmark of Unitrin Direct’s pricing, according to a survey performed by the California Department of Insurance, the estimated cost in 2010 for a Unitrin Direct policy on a 40-year old, male driver who puts 10,000 miles per year on his Honda Accord and maintains a clean driving record, is $1,487 annually.