Unitrin Safeguard Insurance Company: A Comprehensive Overview

When it comes to choosing the right insurance company, it’s important to consider various factors such as reputation, coverage options, and reliability. One name that stands out in the insurance industry is Unitrin Safeguard Insurance Company. In this article, we’ll take a closer look at what Unitrin Safeguard Insurance Company has to offer.

Company Overview

Unitrin Safeguard Insurance Company is a subsidiary of Kemper Corporation, which is a diversified insurance holding company based in Chicago. Kemper provides various insurance products and services to individuals and businesses, including auto, home, life, and health insurance.

Unitrin Safeguard Insurance Company has been operating since 1946 and is licensed to do business in several states across the U.S. The company focuses on providing auto insurance to drivers who have had difficulty obtaining coverage due to their driving record or other factors.

Company Ratings

One way to gauge the reputation of an insurance company is to look at its ratings from independent agencies. Here’s how Unitrin Safeguard Insurance Company fares:

Agency
Rating
A.M. Best
B+
Moody’s
B1
Standard & Poor’s
B+

As you can see, Unitrin Safeguard Insurance Company has a moderate rating from these agencies.

Auto Insurance Coverage

Unitrin Safeguard Insurance Company offers various coverage options for auto insurance, including liability, collision, comprehensive, and personal injury protection. The company also provides optional coverage for things like roadside assistance and rental reimbursement.

Here’s a breakdown of the different coverage types:

Liability Coverage

Liability coverage pays for damages and injuries you may cause to others in an accident. Unitrin Safeguard Insurance Company offers both bodily injury and property damage liability coverage.

Collision Coverage

Collision coverage pays for damage to your vehicle if you’re in an accident with another car or object. This coverage is typically required if you’re financing your vehicle.

Comprehensive Coverage

Comprehensive coverage pays for damage to your vehicle from non-collision incidents such as theft, vandalism, and natural disasters.

Personal Injury Protection

Personal injury protection (PIP) coverage pays for medical expenses and lost wages if you or your passengers are injured in an accident.

Optional Coverage

Unitrin Safeguard Insurance Company also offers optional coverage such as:

  • Roadside assistance
  • Rental reimbursement
  • Custom parts and equipment coverage
  • Gap insurance

FAQ

What states does Unitrin Safeguard Insurance Company operate in?

Unitrin Safeguard Insurance Company is licensed to do business in several states across the U.S., including California, Florida, Illinois, and Texas. However, the company’s availability may vary depending on your location.

What discounts does Unitrin Safeguard Insurance Company offer?

Unitrin Safeguard Insurance Company offers various discounts such as:

  • Safe driver discount
  • Multi-car discount
  • Good student discount
  • Anti-theft device discount

How can I file a claim with Unitrin Safeguard Insurance Company?

You can file a claim with Unitrin Safeguard Insurance Company by calling the company’s claims hotline, which is available 24/7. You can also file a claim online by logging into your account.

What’s the customer service like at Unitrin Safeguard Insurance Company?

Unitrin Safeguard Insurance Company has a mixed reputation when it comes to customer service. Some customers have reported positive experiences with the company’s representatives, while others have complained about long wait times and unhelpful agents.

How can I get a quote from Unitrin Safeguard Insurance Company?

You can get a quote from Unitrin Safeguard Insurance Company by visiting the company’s website and filling out an online form. You can also call the company’s customer service hotline to speak with an agent.

Conclusion

Overall, Unitrin Safeguard Insurance Company is a reputable insurance provider that offers various coverage options for drivers who have had difficulty obtaining coverage elsewhere. While the company’s ratings from independent agencies are moderate, it’s worth considering if you’re in need of auto insurance.