United States Insurance Review
United States Insurance offers consumers a fast, easy, and convenient way to compare insurance rates from multiple providers. The company maintains partnerships with many leading names in the American insurance industry, and it claims to be able to save its customers as much as 50% on their auto insurance needs.
In this review, we’ll examine what kinds of insurance you can find through the service. We will also weigh in with our thoughts on how United States Insurance stacks up against other quote aggregator and online insurance marketplace services.
United States Insurance matches site visitors to its advertising and insurance company partners. It uses a business model similar to many other aggregators: users like you pay nothing to use the site. United States Insurance makes money through advertising, and via the commissions it earns from insurance providers who sell a policy to a lead generated through the service.
United States Insurance does not sell auto insurance policies itself, and it does not underwrite policies. It simply acts as a lead generation and quote comparison service. Actual policies are provided by the insurance companies partnered with the United States Insurance network.
Types of Auto Insurance Available Through United States Insurance
The actual forms of auto insurance you can purchase from end providers in the United States Insurance network vary. Each insurance company dictates its own product lineup, but from a general standpoint, you can count on United States Insurance to offer all the main forms of auto insurance.
This list includes:
- Liability insurance: These policies protect you from financial liability for property damage or medical expenses incurred by others as the result of an accident you caused.
- Medical payments coverage: Medical payments coverage extends healthcare cost protections to you and the occupants of your vehicle.
- Personal injury protection (PIP) coverage: PIP coverage adds to the scope of medical payments coverage by offering reimbursement for lost wages and other incidental expenses associated with recovering from auto accident injuries.
- Comprehensive insurance: This form of property coverage protects your vehicle from risks not related to driving, such as theft, fire, and weather damage.
- Collision insurance: Collision insurance covers damage to your vehicle up to your policy’s limit, regardless of who was at fault in the accident.
Other, more specialized policy types may also be available, depending on the end provider. Examples of policies in this category include:
- Rideshare insurance: Drivers for rideshare services like Lyft and Uber may need specialized coverage, which some providers in the United States Insurance network may offer.
- Roadside assistance coverage: Get protected from the costs associated with breakdowns, lockouts, and other mechanical problems.
- Gap insurance: This type of insurance is highly recommended to vehicle owners with outstanding lease or loan balances, as it covers the difference between your vehicle’s replacement cost and its depreciated value.
- Rental car reimbursement: If you need to put your car in an auto repair shop, rental car reimbursement coverage will provide partial or full financial protection for the expenses you incur.
- Classic car coverage: If you own a classic car, this type of specialized insurance protects the investment you’ve made.
If you’re not sure what types of auto insurance are mandatory and optional in your jurisdiction, do some research before shopping to ensure you seek the right kinds of coverage.
How It Works
The United States Insurance process begins with a few questions about your vehicle and yourself, including where you live. Auto insurance rates vary regionally, and also depend on whether you are based in a large city, a smaller urbanized area, or rurally.
Once you enter the requested information, United States Insurance will route your query through its network. Providers offering coverage that matches your query will be returned to you with price quotes. In a small number of cases, specific price estimates may not be included in some results. If this occurs, you will need to contact the provider directly to get cost details.
Partner Providers in the United States Insurance Network
United States Insurance deals exclusively in auto insurance. Its network of partner providers includes:
- 21st Century Insurance
- Liberty Mutual
- Foremost Insurance Group
- National General Insurance
Some end providers only operate regionally, so the total number of available options may vary depending on where you live.
The Fine Print
There are a few technicalities you should keep in mind when using United States Insurance to source competitive auto insurance quotes:
- The lowest promoted rates are not necessarily offered by all providers in the network
- Rates vary depending on many different factors including your location, driving record, occupation, educational attainment, vehicle types, and policy features
- Advertised rates are based on semiannual payments, and use a 2008 Kia Rio four-door driven by a 41-year-old male with a clean driving history as their baseline
- Some rate quotes automatically apply discounts you are known to be eligible for based on your profile
Pros and Cons
Here’s what people like about the United States Insurance online marketplace:
- It offers a quick, easy way to connect with major national and regional insurance providers
- The service specializes in auto insurance
- Customers can generate significant savings of as much as 50% off their current rates
On the other hand, users and reviewers have also identified a few shortcomings:
- You may be subject to telephone and/or email solicitations if you do not conclude a policy purchase
- Cost specifics may not be included in all results
United States Insurance offers a valuable service that can save you hundreds of dollars per year on your auto insurance. It only takes minutes to get a quote, and you can use the site to link with reputable, stable, trustworthy auto insurance providers who serve customers in your area.
Like most other online insurance marketplaces, United States Insurance generates leads for its partner providers, so you may receive solicitations. However, you can opt out, and beyond that, the service has very few other drawbacks.