Discounts From Unitrin Car Insurance Company

Unitrin car insurance is designed for those who have bad driving records or credit histories. It's earned an A- from A.M. Best, which is an excellent rating.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: May 23, 2020

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Here's what you need to know...

  • Unitrin offers property and casualty insurance as well as life and health lines
  • Unitrin specialty car insurance is designed for those who have bad driving records or credit histories
  • Kemper Corporation offers online information about their discounts for your review and consideration

Unitrin car insurance discounts are available through its parent company, Kemper Corporation.

The Unitrin Financial Services headquarters is in Chicago, Illinois, with division offices in Texas, California, Oregon, Pennsylvania, and Tennessee. This company has been in business since April 1990.

Because of Kemper, Unitrin Direct has a grade of “A-“, which is an “excellent” rating from A.M. Best, the insurance rating company.

To get car insurance quotes today, enter your ZIP code to get the process started.

Unitrin Auto Insurance Rate and Discount Determination

There are several factors that insurance companies use to determine how much to charge you for car insurance.

A few of the factors used are:

  • Age
  • Location
  • Make and model of vehicles
  • Average number of miles driven
  • Driving records
  • Credit histories
  • Features of the vehicles

All of these factors are very important to an underwriter because they all have an impact on the level of risk the insurer takes in accepting you as a policyholder.

Since each state establishes its own laws related to driving within the borders of that state, insurance companies have to take your location into strong consideration.

The make and model have a significant impact on your rate as well. If you have anti-theft features and additional safety features, they may make you eligible for noticeable discounts.

Your credit report and driving record will make a huge difference in your premiums. They could also entitle you to huge discounts in comparison to those with driving records and credit histories that are not as attractive.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Unitrin Changes Its Name to Kemper

As of August 25, 2011, Unitrin began trading on the NYSE as Kemper Corporation.

However, you can get your car insurance through any of the independent agents that represent the Kemper Corporation.

Once you become a policyholder, you can set up an account on the company site.

You can also manage your Unitrin or Kemper policy online to include electronic signatures and payments.

To get further information and car insurance quotes from Unitrin and other major carriers, enter your ZIP code below here to get started.

References:

  1. https://www.kemper.com/wps/portal/Kemper/Home/!ut/p/b1/04_Sj9CPykssy0xPLMnMz0vMAfGjzOLdg5wMLJ0MHQ0MDPzNDTx9_LzcAg38jQzMjYAKIoEKDHAARwNC-sP1o8BK8Jjg55Gfm6pfkBthoOuoqAgA0HYp2w!!/dl4/d5/L2dBISEvZ0FBIS9nQSEh/
  2. https://www3.ambest.com/ratings/entities/CompanyProfile.aspx?ambnum=914&URatingId=2286273&bl=0&AltSrc=1&PPP=&AltNum=0&Ext_User=&Ext_Misc=
  3. https://www.ambest.com
  4. https://www.iii.org/article/what-determines-price-my-auto-insurance-policy
  5. https://www.investopedia.com/terms/u/underwriter.asp
  6. https://www.insurancejournal.com/news/national/2011/08/15/211077.htm
  7. https://specialty.kemper.com/us/public/index.cfm/go/payments.home/

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Average Monthly Car Insurance Rates by State