What United Automobile Insurance Covers
United Automobile Insurance is a property and casualty insurance company that sells car insurance policies directly to drivers. The company offers the standard types of auto coverage: liability (which pays for damage you cause to others), collision (which covers damage to your own car from crashes), comprehensive (which covers theft, weather, and other non-collision events), and uninsured motorist protection (which covers you if hit by someone without insurance).
United also sells optional add-ons like roadside information, rental car reimbursement, and gap insurance. The specific coverage options and limits available depend on your state, your driving history, and the vehicle you're insuring. You choose your coverage levels and deductibles when you get a quote, which directly affects your monthly or annual premium.
The company operates in most U.S. states but not all. If you're looking to get a quote, you can check their website or call their sales line to confirm they write policies in your state. United is owned by Kemper Corporation, a larger insurance holding company, though it operates as its own brand.
Key Takeaways
- United Automobile Insurance sells liability, collision, comprehensive, and uninsured motorist coverage, with optional add-ons like roadside information and rental reimbursement.
- You choose your coverage limits and deductibles when you get a quote, and these choices directly affect what you pay each month.
- United operates in most but not all states, so you need to confirm availability before requesting a quote.
- The company offers discounts for things like bundling policies, maintaining a clean driving record, and completing defensive driving courses.
- Claims are filed through United's website, mobile app, or by phone, and the company assigns an adjuster to handle your case.
How to Get a Quote from United
To get a quote, visit United's website or call their sales number. You'll need basic information: your driver's license, vehicle identification number (VIN), current insurance details if you have them, and your driving history. The quote process typically takes 10 to 15 minutes online or about the same on the phone.
During the quote, you'll select your coverage types and deductible amounts. A higher deductible (the amount you pay out of pocket before insurance kicks in) lowers your monthly premium, but it also means you pay more if you have a claim. A lower deductible costs more per month but reduces what you owe when something happens.
United will show you the total annual cost and break it into monthly payments if you choose to pay that way. Once you accept the quote and complete the purchase, your coverage typically begins the same day or the next day, depending on when you complete the transaction.
Discounts United Offers
United provides several discounts that can lower your premium. A multi-policy discount applies if you bundle auto insurance with home, renters, or other policies. A good driver discount rewards drivers with no accidents or violations in a set period (usually three to five years). Some states also allow a defensive driving course discount if you complete an approved safety course.
The company may also offer discounts for features like automatic payment enrollment, paperless billing, or low annual mileage. Discounts vary by state and are not available everywhere. When you get a quote, United will show you which discounts you're currently may be able to access for based on your situation.
How to File a Claim with United
If you're in an accident or your car is damaged, you can file a claim through United's website, mobile app, or by calling their claims line. You'll need your policy number and details about what happened. For accidents, gather the other driver's name, phone number, address, insurance information, and license plate number if possible. Take photos of the damage to both vehicles.
After you file, United assigns an adjuster to your case. The adjuster contacts you to schedule an inspection of your vehicle, either at a repair shop or at a location you choose. The adjuster estimates the repair cost and determines what United will pay based on your coverage and deductible. Once approved, you can take your car to a repair shop—United has a network of preferred shops, but you can use any licensed repair facility.
The timeline from filing to payment varies. straightforward claims with clear liability may be resolved in a few days. Complex claims or disputes over repair costs can take weeks. United will keep you updated on your claim status through the app, website, or phone.
Coverage Limits and Deductibles Explained
Liability coverage has two parts: bodily injury liability (which pays for medical bills and lost wages if you injure someone) and property damage liability (which pays to repair or replace someone else's vehicle or property). Most states require a minimum amount of each. Common limits are 25/50/25, meaning $25,000 per person for bodily injury, $50,000 total per accident for bodily injury, and $25,000 for property damage. You can choose higher limits if you want more protection.
Collision and comprehensive coverage both use a deductible—the amount you pay before insurance covers the rest. Common deductibles are $250, $500, $750, or $1,000. Choosing a $1,000 deductible instead of $250 can save you 15 to 30 percent on your premium, but you'll pay $1,000 out of pocket if you have a claim. Uninsured motorist coverage protects you if hit by someone without insurance and uses the same deductible as collision.
How United's Rates Compare
United's rates depend on your age, driving history, location, vehicle type, and coverage choices. Younger drivers and those with accidents or violations typically pay more. Urban areas usually have higher rates than rural areas because there are more cars on the road. Expensive or high-performance vehicles cost more to insure than older sedans.
The best way to know if United's rates work for your situation is to get a quote and compare it to quotes from other companies. Most insurers offer quotes online in minutes at no cost. Getting three to five quotes from different companies gives you a real sense of the market and helps you find the best price for your needs.
What Happens If You Cancel or Switch
If you decide to cancel your United policy, you can do so through your online account, the mobile app, or by calling customer service. Cancellation is usually effective when ready or on a date you choose. If you've paid for coverage you won't use, United may refund the unused portion, though this depends on your state's rules and how you paid.
If you're switching to another insurer, make sure your new policy starts before your United policy ends so you don't have a gap in coverage. A gap in coverage can result in fines in some states and leaves you unprotected if you're in an accident. Coordinate the end date of your United policy with the start date of your new policy.
Frequently Asked Questions
Does United Automobile Insurance have a mobile app?
Yes. United's mobile app lets you view your policy, make payments, file claims, and contact customer service. You can also use it to access roadside information if you have that coverage. The app is available for both iOS and Android devices.
What should I do if I'm in an accident?
First, make sure everyone is safe and call 911 if anyone is injured. Exchange information with the other driver and take photos of the damage. Then contact United to file a claim as soon as you can. You can file through the app, website, or phone. Have your policy number and details about the accident ready.
Can I change my coverage or deductible after I buy a policy?
Yes. You can usually change your coverage limits or deductible through your online account or by calling United. Changes typically take effect on your next billing date or when ready, depending on what you're changing. Lowering your deductible or adding coverage will increase your premium; raising your deductible or removing optional coverage will lower it.
How long does it take to get a quote from United?
Online quotes typically take 10 to 15 minutes. Phone quotes take about the same amount of time. You'll need your driver's license, vehicle VIN, and current insurance information if you have it. Once you complete the quote, you can purchase a policy when ready and coverage can begin the same day.
What if I have a poor driving record?
United does insure drivers with accidents and violations on their record, but your premium will be higher than a driver with a clean history. The exact increase depends on how recent the incident was and how serious it was. Getting a quote is the only way to know what United would charge you specifically.