US Insurance Agents Auto Insurance Review


Rating: 7.8 / 10 (Very good)
Disclosure: We receive advertising revenue from some partners. Learn more.
How is US Insurance Agents rated?
8/10
Coverage
7/10
Pricing
8/10
Discounts
9/10
Financial Ratings
7/10
Support Services

US Insurance Agents is an online aggregator that can connect consumers to auto, homeowners, renters, life, and health insurance company websites. With regard to auto insurance, US Insurance Agents gets optimal quotes from large industry players like Liberty Mutual, Allstate, and Travelers by getting them to compete for your business. The company's online portal was designed to deliver quotes from competing insurance carriers in just a few clicks. They then funnel you to a national or local agents in order to help you through the process and get you the right coverage. 

US Insurance Agents' online presence and customer service is particularly strong for a marketplace-type website. The site itself offers a wealth of information in the form of useful blog posts, direct answers to customer questions, and financial profiles and reviews of their affiliate companies. The company also has a searchable database of agents, so you can forgo the quote process and go directly to an agent in your area. 

Coverage

US Insurance Agents works with a large volume of auto insurance carriers. From huge multinational corporations like State Farm, to small local entities, coverage options vary widely but usually contain the following components:

Bodily Injury Liability - This covers the expenses incurred if you or anyone else on your policy injure another party. It also covers you when you are driving someone else's car with their permission.
Medical Payments or Personal Injury Protection (PIP) - This coverage pays for injuries to the occupants of the policyholder's car. Some plans stretch this to include lost wages should an injured party be unable to work.
Property Damage Liability - This pays for the damage you do to someone else's property. It is not limited to other cars, but also includes structures, telephone poles, etc.
Collision - Covers damage to your car
Comprehensive - Damage caused by something other than a collision. This also covers theft.
Uninsured and Underinsured Motorist Coverage - Covers you if the other driver has little or no insurance

Plans and Pricing

Different factors affect the rates that auto insurance companies provide. Some of these include:

  • Driving history
  • Type/make of vehicle
  • Geographical location
  • Age, gender, marital status
  • Financial and credit history

Discounts

US Insurance Agents can connect you with policies from local and national carriers. Large, national institutions by and large will have the financial leeway to offer more discount and credit options. Some common discounts are listed below.

Multi-policy discount

Get a discount if you bundle car insurance with homeowners, or other policy

Paid in full discount

Discount if you pay yearly premium in one lump payment

Claim Free discount

Discount for every year you do not make a claim

Homeowner’s discount

Discount if you own a home

Safety Equipment Discount

Discounts for various items installed in your car like air bags, backup cameras, etc.

Good Student Auto Insurance Discounts

Get a discount for maintaining high GPA

Low Mileage and Usage Based Discounts

Discount because you are a lower risk

Application

After initially providing your zip code, an example of further information that will be needed follows:

  • Name
  • Address
  • Make and Model of Car
  • Auto Theft Device
  • Stability Control
  • Estimated Annual Mileage
  • Gender 
  • Marital Status
  • Phone Number
  • SS#
  • Residence type
  • Education level
  • Employment
  • Accident history

The Bottom Line – US Insurance Agents Auto Insurance

US Insurance Agents is a good choice if you don't mind dealing with agents. Increasingly, people are looking for all-online experience with all their transactions, including big financial purchases like insurance policies. But there still is a significant portion of the population that does not want to go into a long term financial commitment without talking to experts first. If this is you, US Insurance Agents is a great place to buy auto insurance as it can connect you with representatives from all the best local and national companies in order to get the exact plan you need. 

 

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