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Pro: Like other big auto insurance matching services, the biggest benefits to using United States Insurance are the time and money saved. If you’re in need of vehicle coverage, you could spend hours requesting separate quotes from all the major insurers. Or you could go straight to United States Insurance and have them match you with personalized policies and low rates from hundreds of insurance carriers – from big national insurers to small local carriers.
Con: The flipside to using United States Insurance’s service is that it isn’t an authorized insurance agency. It exists to match you with great deals; the next step involves actually completing a formal application with one of the insurance carriers that United States Insurance matches you with. With that said, United States Insurance shortens the waiting time by taking you directly to the best insurers for your needs and requirements.
When you use the United States Insurance platform, it scans through literally hundreds of vetted insurance companies to find you a suitable policy. Each of its partners is equipped to set you up with state minimum coverage and more
Bodily Injury Liability. Covers all costs related to bodily injuries suffered by other drivers when you are at fault.
Property Damage Liability. Covers all costs related to damage of another person’s property when you are at fault.
Collision. Covers all costs related to vehicle repair and replacement if your vehicle is damaged in a collision, regardless of who was at fault.
Comprehensive. Covers all costs for repairs and replacement if your vehicle suffers damage in a non-collision incident such as fire, flood, vandalism, theft, or animal collision.
Personal Injury Protection. Covers medical and rehabilitation expenses for you and your passengers, and some insurers also cover lost wages.
Uninsured and Underinsured Motorist. Covers the other driver’s liabilities if they are uninsured or underinsured.
Many of United States Insurance’s partners offer additional features that you can add on to your vehicle insurance policy at extra charge. These add-ons vary from partner to partner. Here are some of the most common features that can be found with United States Insurance-affiliated insurance carriers.
Roadside assistance. Guarantees emergency assistance for things like flat tires or being locked out of your vehicle.
Rental reimbursement. Guarantees a temporary replacement if your regular car has to go to the shop due to a covered incident.
Gap coverage. In a total loss, this add-on covers the gap between the depreciated value and the money you still owe on your car.
Rideshare coverage. Covers drivers who use their car for Uber another ridesharing platform.
Equipment coverage. Covers loss or damage to equipment you installed in your vehicle yourself (as opposed to equipment that comes with the car).
To begin an application for vehicle insurance, go to the United States Insurance home page, select auto insurance, enter your zip code, and click ‘Get my Quotes’. Note that the website doesn’t work well on Google Chrome. Therefore, we recommend loading it up on an alternative browser such as Explorer or Firefox and proceeding with your application from there.
Once you’re on the application page, it works much the same as any other insurance marketplace. Enter info about the car (or cars) you wish to insure, enter personal information about yourself and any other drivers whose names will appear on the policy. Once that’s done, answer some final applications to see if you qualify for discounts. Finally, wait a few seconds for United States Insurance to display your top options. If you like one of the options, click on it to purchase vehicle coverage.
There’s a lot of confusion among users of marketplaces about who takes responsibility for the claims process. Note that as a marketplace / matching tool, United States Insurance is not an insurance agent, broker, or carrier. All it does is match you with affordable vehicle coverage. All claims must go strictly through the insurance carrier/agent that you purchase your insurance from.
United States Insurance is strictly an online platform, and as such it doesn’t offer much in the way of customer service. It does display an email address that customers can write to. However, don’t expect a speedy response.
Email: info@unitedstatesinsurance.com
Address: 1440 W. Taylor St # 1025, Chicago, IL 60607
The platform is basic, but it does what it says: save you money on vehicle insurance. When you use United States Insurance, what you get is a free matching service that finds you the best rates from hundreds of insurance carriers. Because of its wide reach, United States Insurance is a good place to begin your next search for vehicle coverage.
