What Is United Auto Insurance?
United Auto Insurance is a regional carrier that serves Illinois and neighboring states. It offers liability, collision, comprehensive, and uninsured‑motorist coverage, plus optional add‑ons such as roadside assistance and rental reimbursement. Policies are sold through agents and online, and the company emphasizes personalized service for Chicago drivers.
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Coverage Options for Chicago Drivers
United's core policies mirror the state minimums, but the company allows customization:
- Liability – protects against bodily injury and property damage when you're at fault.
- Collision – covers damage to your own vehicle after an accident.
- Comprehensive – protects against theft, vandalism, and weather events.
- Uninsured/Underinsured Motorist – covers you if the other driver lacks sufficient insurance.
Optional add‑ons include:
- Roadside assistance
- Rental reimbursement
- Gap insurance for new cars
How Rates Are Calculated in Chicago
Chicago's high traffic density, weather extremes, and theft rates influence premiums. United uses the following factors:
- Driver's age and driving record
- Vehicle make, model, and safety features
- Annual mileage and parking location (garage vs. street)
- Credit score (Illinois law permits its use)
- Coverage limits and deductible choices
Because Chicago neighborhoods vary in risk, local rates can differ even within the same city.
Comparing United to Other Insurers
When shopping, compare policy features, discounts, and financial strength:
| Attribute | United Auto Insurance | Geico | State Farm |
|---|---|---|---|
| State rating (2024) | 4/5 | 4/5 | 5/5 |
| Discounts for safe drivers | 5%–20% | 10%–25% | 10%–30% |
| Mobile app claims filing | Yes | Yes | Yes |
Tips to Lower Your Premium
Use these strategies to reduce costs while maintaining coverage:
- Bundle auto with renters or homeowners insurance.
- Choose a higher deductible if you can afford it.
- Ask about multi‑vehicle discounts.
- Maintain a clean driving record; avoid late payments.
- Enroll in defensive‑driving courses that may qualify for a discount.
How to Get a Quote and Buy a Policy
Start online by entering your ZIP code and vehicle details. The estimate will ask for:
- Personal data (name, address, DOB)
- Vehicle information (VIN, mileage)
- Coverage preferences (limits, deductibles)
After reviewing the quote, you can either finalize the purchase online or schedule a call with a local agent for personalized advice. United also offers a 24/7 customer service line for questions and claims.