Tell us About You and Your Vehicle
All you need to do is start by entering your Zip Code. Next, just tell us a little about the car you are insuring and the type of coverage you need.
Get Matched With Direct Auto Insurance Providers
Comparing car insurance rates is fast and easy. In about Five minutes you will be matched with the best rates from National and Regional Insurers. You can save hundreds on the auto insurance you need today.
Choose the Coverage Amounts You Need
You select the type of car insurance policy along with the coverage amounts you need. Then, we match you with the cheapest available rates. It’s really that simple.
Unique Auto Insurance
Choosing the right car insurance coverage is an important decision you should not take lightly. You need to protect yourself from financial harm and good insurance does just that. Having quality coverage can replace your automobile after a serious crash and pay for medical bills. With both replacement, repair and healthcare costs escalating in recent years, it’s more important than ever to get the proper amounts of coverage.
The good news is you can get the protection you need at rates you can afford at Unique Insurance Company. Use our free car insurance tool to estimate how much you would pay for different coverage amounts. You can also choose to get bundled quotes if you have tow or more vehicles. This will save you about 10% when you combine your auto and homeowners insurance together under one policy.
Unique Home Insurance
Your home is not only your castle, but it’s probably the most expensive possession you own. This is why protecting it with a quality homeowners insurance policy is so important. Natural disasters happen all the time. From fires to tornadoes to extreme flooding, you never know when mother nature will strike.
If you are in the process of purchasing your first home or just want cheaper rates, we can help you. In under 5 minutes, you can compare up to 10 home insurance quotes from leading carriers. We can help you lower your premiums, while also adding better coverage. To get started, simply enter your zip code and apply for a free quote.
Why You Should Compare Quotes Every Six Months
Are you tired of having your auto insurance rates go up each time your policy is about to expire, even when you have had no accidents or tickets? This is one of several reasons why you should compare rates two or more times per year. Some people think it takes too much time calling up insurance agents and brokers trying to find lower rates. However, the internet has changed auto insurance shopping forever.
Now you can pull out your smartphone and compare multiple rates online in less than five minutes. With Unique Car Insurance direct pricing, you can often lower your premiums by hundreds of dollars. We offer low-cost auto insurance in all 50 states and even give free quotes over the phone. Get an online quote today or give us a call.
Why You Need Auto Insurance
Car insurance is mandatory in all but one state. That means if you operate a vehicle, you must be insured with at least the state minimum levels of liability coverage. Liability automobile insurance pays for vehicle damage and injuries you caused, as a result of an accident. It can also provide for legal costs in the event you get sued.
If you have a newer or newer vehicle, you should consider better coverage. This is where collision and comprehensive insurance come in. Collision will cover damages to your automobile, regardless if you were responsible for an accident. Wrecks are very expensive and there’s a good chance liability only insurance won’t cover all the costs involved. This is why you should consider adding more protection. If you get into a big crash it will save you a lot of hassle and money.
Comprehensive insurance protects you from just about anything that happens to your car, other than a crash with another vehicle. This includes natural disasters like hurricanes, flooding, and fires. It also provides theft and vandalism protection. While adding additional coverage will cost more, if you get into a serious accident or your vehicle is stolen, it will pay for itself many times over. Compare online quotes now and lower your rates.
Free Unique Auto Insurance Quotes
Comparing the cheapest auto insurance rates for the coverage you need has never been easier. At Unique Insurance, you can apply for a free quote in just a few minutes using your smartphone or laptop. Each quote is totally free, and there is never any obligation to buy a policy. The rates will be sent directly to your email inbox almost instantly. Most people save over $500 by buying Unique insurance products. See how much you can save and start a free quote today.
Comparing Auto Insurance Quotes
In order to get the cheapest auto insurance possible, you should compare as many quotes as you can. This will let you see what company has the best deals. Premiums can vary by hundreds of dollars and sometimes even over one-thousand dollars between insurers. This is why it’s so important to go over ten or more quotes. Each insurer has different ways of calculating rates. This is one reason why premiums can vary so much from one company to another.
When you are ready to shop for auto insurance, you should:
- Decide on what coverage you need along with what limits
- Compare the same coverage levels with multiple companies
- Compare rates from 10 or more insurers
- Research companies customer reviews, including how fast they handle claims
- Review each company A.M. Best rating
- Remember not to cancel your policy until you have a new one
The Optimum Times to Compare Auto Insurance Rates
It’s never a bad time to compare car insurance quotes, but these are the best times:
- When you purchase a new vehicle
- Getting married or getting a divorce
- Moving
- Adding a Driver or Removing a Driver
- Buying a Home
- Adding on a Teenager to your Policy
- After an Accident
- After your Credit Rating has Changed
At Unique Insurance, we don’t have fancy commercials and costly promotions. We sell direct auto insurance policies online. These cost savings are passed down to you, the consumer, by way of cheaper rates. See how much money you can save with a free direct auto insurance quote online.
Rate Factors
Rates can vary quite a bit between carriers. For example, you might get a quote from one insurer for $1,300 for collision and comprehensive coverage and be quoted $1,850 from another company for the same exact coverage. This is because no two carriers are alike.
Many providers assess risk differently for each group of drivers. For example, The Hartford might have good deals on senior citizen drivers and Progressive might have the best rates for motorists under 25. Companies change and update their rate factors frequently. This is another reason why you want to compare quotes frequently. Here are the main pricing factors.
- Your age
- Vehicle
- Zip Code
- Driving Record
- Credit Rating
- Homeowner or Rent
- Net Worth
- Education Level Achieved
There are things you cannot control, like how old you are and your gender. However, some things you can, like your credit rating and driving behavior. Keeping your credit score above 650 will really help you get cheaper car insurance. Another way to lower your premiums is to drive a used vehicle that has both four doors and four cylinders. Low performance family type cars are cheaper to insure.
Getting Cheaper Coverage
Comparing multiple Unique Insurance quotes is one way to lower your insurance cost, but there are some more ways to save you might not have heard of before. One easy tip is to raise your deductible to $1,000 or higher. This can lower your premiums by 15% or more. Just remember to set aside the deductible amount. The last things you want is to not be able to pay the deductible after an accident. Then you could get sued and even have your wages garnished.
Another tip is to bundle all your automobiles and homeowners coverage onto one policy. This can save you about 10% or even more. The last tip is to get every discount you can. This includes military, safe driver, low mileage and good student.
Now you are ready to compare quotes from Unique Insurance Company quote online. Just enter your zip code and fill out a few basic questions. Then just check your email and start comparing rates. Next, decide if you want to buy a policy or not. Saving money on auto insurance really is that simple.
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