United Auto Insurance review August 2018 | finder.com

United Auto Insurance review August 2018

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Aims to offer coverage to all drivers in Indiana and Illinois — regardless of your driving history.

Shopping for auto insurance can be frustrating, especially if you have a less-than-perfect driving history. Fortunately, United Auto makes getting coverage easy with customizable policies, flexible payment plans and an application process that can have you covered almost instantly.

Description This provider has been serving Illinois and Indiana for over 50 years. Learn more about its flexible coverage and payment options to decide if it’s right for you.
States served Illinois, Indiana
Roadside assistance Optional
Pay schedule custom
Claims methods phone
New car protection Optional

Pros

  • Instant coverage
  • Options for high-risk drivers
  • Online account management
  • Flexible payments

Cons

  • Only available in two states
  • Lack of transparency
  • Can’t file claims online

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Who is United Auto Insurance best for?

United is best for residents of Indiana and Illinois looking for policies suitable for all drivers — teens and young adults included. Whether you have a poor driving history, gap in prior insurance or a limited budget, this provider aims to offer the lowest possible price. It’s home to a selection of customizable policies, adjustable monthly payment plans and a number of convenient payment options that make getting coverage quick and easy.

What is United Auto Insurance?

With its headquarters in Chicago, United Auto Insurance has been selling affordable car insurance in the greater Chicago area for over 50 years. Serving Illinois and Indiana, you may have heard or seen its ads on local radio stations or billboards.

Striving for convenience and customer service, United aims to make shopping for auto insurance easy, with service available in English, Spanish and Polish. Customers can get quotes and purchase coverage online and by phone, or use its onsite payment center in Chicago for convenient drive-thru service.

What car insurance coverage does United Auto Insurance offer?

United offers a wide selection of coverage options, including:

  • Collision coverage. Pays to repair or replace your vehicle if it collides with another vehicle or object.
  • Comprehensive coverage. Covers costs to repair or replace your vehicle if it’s damaged by something other than a collision — including theft, fire, vandalism or hitting an animal.
  • Liability coverage. Pays another party’s medical expenses, vehicle repairs and property damage if you’re responsible for the accident.
  • Uninsured and underinsured motorist (UM/UIM) coverage. Covers medical expenses if you’re injured in an accident caused by someone who has no insurance or inadequate coverage.
  • Medical payment expenses. Covers medical and funeral expenses if someone is injured or killed in an accident.
  • SR-22. Offers state-mandated SR-22 filing for high-risk drivers, including those who’ve been charged with a DUI, driving without proper insurance or driving on a suspended license.

United Auto Insurance car insurance rates

United aims to provide affordable auto insurance and offers competitive pricing. It claims it covers almost anyone and uses a computerized rating system to calculate the lowest possible rate. Though it offers a some discounts, it’s not as many as some of the larger providers. With that in mind, its rates are slightly higher than Progressive, which offers some of the most competitive pricing in the industry.

What discounts can I get with United Auto Insurance?

United has a reputation for cheap auto insurance and offers a few main auto insurance discounts that help keep its prices competitive.

  • Multi-car discount. Earn a discount when you insure two or more vehicles on the same policy.
  • Safe driver discount. Applied automatically, this discount helps you save when drivers on your policy maintain a clean driving record.
  • Renewal discount. Earn a discount when you stay with United without any lapses in coverage.

Available discounts and amounts vary, so you should call this provider or get a quote to find out exactly how much you could save.

Does United Auto Insurance offer any special features?

  • Roadside assistance. For an extra cost, members of the Motor Club get access to 24/7 roadside assistance anywhere in the country. This includes jump starts, tire changes, gas delivery, mechanical assistance and more.
  • Last-minute coverage. United sells policies online and by phone, giving you instant coverage quickly before your old coverage expires.
  • Flexible payments. Enjoy a wide range of payment methods including debit or credit card, a personal check or Western Union. It also offers flexible payment plans designed to fit your budget.
  • Learning center. United’s site has a comprehensive learning center that teaches visitors about anything from driving in Chicago to staying safe on the roads.
  • Drive-thru center. Visit United for on-site payment options and a convenient drive thru to help you get the coverage you need.

What’s not covered by United Auto Insurance?

United Auto can provide auto coverage for almost any car for anyone. According to its customer service representatives, there are no restrictions on the vehicles that it’s willing to insure. Is maximum coverage limits are:

  • Bodily injury: $100,000/$300,000
  • Property damage: $50,000
  • Uninsured motorist: $100,000/$300,000

Pros and cons

Pros

  • Instant coverage. Policies can be purchased online and by phone and instated immediately if you need last-minute coverage.
  • Options for high-risk drivers. United aims to offer coverage to all drivers, regardless of driving history, prior insurance, age or other factors.
  • Online account management. United’s online system allows customers to manage their account and pay bills from the comfort of their own home.
  • Flexible payments. Pay your premiums to fit your schedule.

Cons

  • Only available in two states. Unfortunately, United’s auto insurance policies are only available in Illinois and Indiana.
  • Lack of transparency. United’s site is somewhat unclear about what policies and features are available.
  • Can’t file claims online. You’ll need to call a United Auto Insurance agent to get started on the claims process.

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What do customers say about United Auto Insurance?

United Auto Insurance has been accredited with the Better Business Bureau since 2014, earning an impressive A+ rating and 5 out of 5 stars. As of July 2018, all 13 of its customer reviews are positive, with customers raving about United’s customer service team and how quick and easy it was to get coverage. While there have been 12 complaints over the last year, all issues have been resolved. This provider also has over 400 reviews on Google, with an average of 4.4 out of 5 stars.

How to apply

Getting coverage through United is easy and can be done online, by phone and in person.

Apply online

  1. Visit the United site, enter your ZIP code and select Auto under the Get a Free Quote Now widget and click Get a Quote.
  2. Add driver information for each person you’d like to insure. Enter your personal information and license details, then click No if you are done adding drivers.
  3. Add your vehicle information or enter your VIN, then click No, unless you’re adding another vehicle.
  4. Review your quotes, then click Buy if you’re interested in moving forward with purchasing coverage.
  5. Enter your email, home address and employer’s address, then click Continue.
  6. Enter your driver’s license info and other driver details, then click Continue.
  7. Enter any other details and payment info when prompted, then continue to purchase coverage.

Apply by phone

Call 773-202-5000 to speak with an agent who can walk you through the process of getting a quote and purchasing a policy.

Apply through an agent

You can also purchase coverage in person by visiting a branch.

What info do I need to apply?

Regardless of how you decide to apply, here’s what information you’ll need:

  • Personal information, including your name, address, date of birth, phone number and email address.
  • Driver details, including your occupation, license type, driver’s license number and driving history.
  • Vehicle information, including the make, model, year, VIN and how it’s used.
  • Your employer or school’s address.

How do I find a United Auto Insurance agent near me?

United Auto Insurance provides coverage to residents throughout Illinois and Indiana. Here’s how to locate your nearest branch:

  1. Visit the United Auto Insurance site.
  2. Scroll down to the bottom of the page and click Contact Us.
  3. Locate the phone number for your area and call to speak with an agent from your nearest branch.

How to file an auto insurance claim with United

Unfortunately, you won’t be able to file claims online. Instead, call the customer service line to speak with a representative to get started.

What info do I need to file a claim?

  • Incident details, including what happened and the date and location.
  • Vehicle information for all parties.
  • Driver information for all parties.
  • Insurance information for all parties, including the policy numbers.
  • Contact information for all parties.

How to contact United Auto Insurance

You can reach out to United Auto’s customer service team a few different ways.

By phone

Depending on where you live, here are the customer service lines for United Auto Insurance:

  • Chicago, Illinois: 773-202-5000
  • North suburban, Illinois: 847-328-9200
  • West suburban, Illinois: 630-545-0300
  • South suburban, Illinois: 708-453-0018
  • Far west suburban, Illinois: 815-725-5100
  • Indiana: 219-881-0800

Representatives are available weekdays from 8 a.m. to 9 p.m. CT, Saturdays from 8 a.m. to 5 p.m. CT and Sundays from 9 a.m. to 3 p.m. CT.

By email

Drop a note to service@unitedautoinsurance.com and a representative will get in touch with you.

By fax

Send a fax to United Auto Insurance by dialing 773-202-5009.

By mail

For snail mail, you can address your letter to:

  • United Auto Insurance
  • 3201 North Harlem Avenue
  • Chicago, Illinois 60634-4502

Does United Auto Insurance offer other types of insurance?

Yes, on top of United’s selection of auto insurance policies, this provider also sells:

  • Homeowners and renters insurance. These options can help cover your property and belongings in the event of a disaster, theft or accident. Visit its site to get a quote and more details on how you can get covered.
  • Commercial auto insurance. Beyond personal auto insurance coverage, United covers taxis and other commercial vehicles.
  • Motorcycle insurance. United offers a range of coverage options tailored to your motorcycle, no matter which make and model you ride.

What are some alternatives to United auto insurance?

If United Auto Insurance isn’t available in your state or you’d like to explore similar options, you may want to consider these providers:

  • Central Insurance. Offers affordable coverage and often accepts drivers with prior accidents or traffic violations.
  • Direct Insurance. Specializes in nonstandard auto insurance and offers coverage to all applicants, regardless of their driving history.
  • Farmers Insurance. Offers great coverage at affordable prices and will accept drivers with a less-than-perfect driving history.
  • SafeAuto. Best known for its cheap car insurance and its willingness to insure high-risk drivers.

Compare car insurance providers

Name Product Roadside assistance New car protection
Liberty Mutual
Liberty Mutual
Included free
Yes, cars under 1 year old & 15,000 miles
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Esurance
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
Esurance offers a modern online and mobile experience that helps you take your insurance on the go.
Allstate
Allstate
Included free
Yes, cars under 2 years old
Enjoy having your own dedicated agent to help you get the best discounts and coverage.

Compare up to 4 providers

Bottom line

United is a small auto insurance provider located in Chicago, serving all of Illinois and Indiana. This provider provides excellent customer service and aims to insure any driver who needs coverage, regardless of their driving history. It offers competitive pricing and flexible payment plans. It can find you customized coverage instantly, online or by phone.

Compare all your insurance options to find the right coverage for you.

Find the cheapest rates

Compare the best car insurance companies near you.

Your information is secure.

Frequently asked questions about United Auto Insurance

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