Unigard Auto Insurance Review (2024)

Unigard Insurance Company provides property and casualty insurance to both individual consumers and businesses in North America.

A network of nearly 600 independent insurance agencies in eight states sells Unigard car insurance, as well as homeowners, commercial multi-peril, commercial auto, and farm insurance.

We know that finding the right type of auto insurance coverage can be extremely difficult — that’s why we’re here to help. In this guide, we’ll be exploring Unigard Insurance Company, delving into its financial and consumer ratings, coverage types, claims, and more.

So stick around. And if you’re interested in comparing car insurance rates from different companies, enter your ZIP code into our free tool. Keep reading to learn more about Unigard auto insurance.

What You Should Know About Unigard Insurance Company

The ratings we’re going to look at below are significant, as they illustrate Unigard’s ability to remain stable and to meet its financial obligations. Simply put, these types of ratings give us an unbiased look at how a company is doing financially and how well it performs on a customer service level

Let’s see what some of the top risk-assessing organizations had to say about Unigard — we’ll start with A.M. Best.

A.M. Best

A.M. Best was founded in 1899 and has since become an institution, providing thorough investigations of the financial capabilities of numerous organizations. So, what do they think of Unigard?

Unigard received an “A” or “excellent” rating from A.M. Best. 

The “A” grade is the second-best rating. A.M. Best believes that Unigard has an excellent ability to meet its ongoing insurance financial obligations.

Standard & Poors

Standard & Poor’s (S&P) is another risk-assessing agency, and they have also weighed in on Unigard’s financial situation.

S&P gave Unigard an “A+” rating.

This rating suggests that the company has a strong capacity to meet its financial commitments despite susceptibility to adverse economic conditions and alterations in circumstances.

National Association of Insurance Commissioners

Customer satisfaction is an important measure of one’s success as well. The National Association of Insurance Commissioners (NAIC) publishes complaint data on various organizations. Through this data, we can get a sense of how customers feel about Unigard Insurance.

Unigard Private Passenger Auto Insurance Policy Complaint Ratio History

The index is a measure of complaints compared to the national average, with the average being set at one.

Unigard Insurance performed worse than average on the national complaint index in 2018 and 2019 after performing better than average in 2017.

Furthermore, total complaints increased from 2017 to 2018, then remained the same from 2018 to 2019.

Overall, Unigard has performed pretty well as an organization. They’ve been vetted by some of the best agencies and appear to be very stable. However, according to the NAIC complaint data, Unigard does have some room for improvement with regard to customer relations.

Unigard: Auto Insurance History

Unigard Insurance is part of QBE’s North American division, which was established in 1991.

Unigard dates back to 1901, when founder Frank Martin established the Northwestern Mutual Fire Association. The company continued to grow and expand throughout the United States until its acquisition by QBE in 2007.

To date, Unigard has approximately 600 independent insurance agencies operating in eight states.

How is Unigard’s online presence?

The ability to conduct business online is important to a lot of customers, and insurance companies are increasingly expanding their digital offerings to stay competitive in the market.

That being said, Unigard has a minimal online presence. The website has since transitioned into a QBE website, and the Unigard portion has been upgraded to reflect that of its parent segment only — this, in turn, has made it difficult to locate Unigard-related content.

Unlike some of its competitors, Unigard Insurance doesn’t provide an automated quote tool on its website. What they do offer is an extensive amount of information about the individual products and services they provide, along with the type of coverage each one affords.

Without an official online Unigard presence, the company focuses primarily on acquiring business through its agents.

On its website, QBE provides its ratings to show that it is a quality company worth doing business with, along with some basic information about its insurance offerings. these include QBE auto insurance, QBE general insurance, and general casualty insurance. You’ll also find contact information for other products, such as the QBE home insurance phone number. Although the website does offer QBE’s Covid-19 information, it doesn’t list any information on Unigard mask requirements.

Unigard Insurance Company Insurance Coverage Options

Uingard is one of QBE Insurance Group’s most productive divisions, offering insurance products under the following six brands:

• Farmers Union Insurance
• General Casualty
• QBE Agri
• QBE Reinsurance
• QBE Specialty
• Unigard

All combined brands include personal insurance for things like home, auto, and life, as well as specialty insurance, reinsurance products, and more. If you’re not sure what reinsurance is, take a look at the video below.

Next, let’s lets go over the claims process with Unigard.

How to Make a Unigard Auto Insurance Claim

When you’re dealing with the headache of a car accident or other damage-causing event, you want to know that your insurance company will make it is easy to file an auto insurance claim. Always make sure you file your claim as soon as possible after the incident happens, while the details are still fresh in your mind.

You can file a claim by phone with someone from the claims department by calling the Unigard customer service number at 1-800-456-1626. 

When you call this number, Unigard will either begin the claims process immediately or put you in touch with someone local who will be responsible for helping you.

The claims process may differ depending on the policy, so speaking with a customer service representative or an agent will be your best bet for getting the most accurate information. The next video will tell you a little more about filing a claim.

https://youtu.be/4Ofv8WlnIH8

Unigard goes to great lengths to make sure customers understand the claims process and what their rights and responsibilities are.

Of all the insurance companies we’ve reviewed, Unigard is one of the best at explaining how their claims service works.

How to Get a Unigard Auto Insurance Quote Online

Unigard Insurance Company partners with individual local agents in eight states: California, Arizona, Indiana, Montana, Nevada, Oregon, Utah, and Washington. Again, it’s not clear whether the company is licensed in all 50 states or just these eight.

If Unigard is licensed in every state, customer service would be taken care of in a direct-to-consumer model in the remaining 42 states.

You can find an agent by calling the Unigard customer service number at 1-800-456-1626. You can also call the agents’ department directly at 1-888-543-6179.

When you speak to a Unigard agent, they’ll ask you about the type of auto insurance coverage you’re looking for and provide you with a quote.

Getting quotes from multiple companies can be time-consuming. Feel free to use our free quote tool below to start comparing rates today.

Unigard Insurance Company Insurance Rates Breakdown

Despite their acquisition by QBE Insurance, Unigard still manages to craft and tailor its coverage to meet the needs of the individuals that they serve.

Why choose Unigard? A small auto insurance company may offer the best rates – or just better value than a major insurance company. You’re more likely to get customized coverage and good customer service with a smaller company, for instance, compared to a major corporation. You might even see cheaper insurance rates, as they don’t have heavy demands on overhead and other additional costs that the bigger companies have to account for.

But keep reading — next we’ll talk about which parts of the country Unigard serves.

What is Unigard’s availability by state?

Unigard Insurance Company partners with individual local agents in eight states: California, Arizona, Indiana, Montana, Nevada, Oregon, Utah, and Washington.

To give you an idea of what you may pay, here’s a look at the average annual auto insurance rates in those eight states:

It’s not clear whether or not the company is licensed in all 50 states or just those in which it has insurance agents.

That being said, even if you don’t live in the one the states listed above, you may still be eligible for coverage. We’ll talk about how to get a quote from Unigard Insurance Company soon.