United Security Auto Insurance Review (2022)

United Security auto insurance is a subsidiary of Farmers Union. They market to rural communities where farms requiring commercial coverage are protected.

UPDATED: Sep 29, 2022Fact Checked

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Sep 29, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Sep 29, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Sep 29, 2022Fact Checked
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United Security Insurance

Average annual rate for good drivers:

N/A

A.M. Best rating:

C++

Complaint level:

Low

The Bottom Line

Rural coverage for farmers and ranchers includes vehicle coverage. This is usually commercial coverage as opposed to individual coverage, which means you have to purchase surety bonds, general liability, crop coverage, and other related types.

Your United Security Insurance agent will help you determine what your insurance needs are for your business.

Rural America is the focus of this United Security auto insurance review. This company is a subsidiary of Farmers Union Insurance, which is a property and casualty insurer.

In turn, Farmers Union is owned by QBE the Americas, a subsidiary of QBE Insurance Group Limited.

United Security offers insurance to individuals and businesses alike. Individuals can purchase auto insurance, homeowners, or general liability if they have a small home business.

Business owners can purchase business coverage that includes worker’s compensation, liability, and other forms of business coverage.

Is United Security Health & Casualty Insurance a Good Choice?

When you are involved in an accident, the first thing you are advised to do is make sure there are no people injured. If there are injuries, the paramedics should be the first call made.

Then you are advised to call the police. While waiting you may want to exchange insurance information with the other driver.

Once the proper authorities are called, it is important to communicate with the insurance company to report the accident.

The insurance representative will collect the facts and gather all the information they need. They will also likely send an adjuster out to assess the damage to the vehicle.

Once the assessment has been made, you may obtain estimates for repairs or your insurer will refer you to a repair shop with which they have a business relationship.

If your car is totaled, United Security may offer you actual cash value unless you have gap coverage.

Gap coverage is usually established at the time your insurance policy is written. This type of coverage insures that you do not have to pay off a loan for a vehicle you are no longer able to drive.

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United Security Health & Casualty Insurance Discounts Available

Discounts are offered as an incentive to do business with United Security Insurance Company.

Companies market these incentives to attract your business with such programs such as:

  • Vanishing deductible
  • Club membership
  • Multi-policy
  • Good driver discounts

Other discounts are available to you if you pay your premium in advance or purchase a policy for a longer term. In essence, an annual policy is going to be cheaper than a six-month policy.

United Security Health & Casualty Insurance Coverage Options

Auto insurance plans that United Security sells comply with state regulations. An insurance company has to obtain a license through the state where they plan to conduct business.

As a result of this process, the company representatives are aware of state minimums for auto insurance coverage.

Plan coverage usually includes damage liability and body injury liability. To protect yourself in the event of an accident there is personal injury protection.

Collision coverage should be purchased to cover personal property of another, and damage to your car in the event of an accident.

Comprehensive coverage protects your car against theft, inclement weather damage, vandalism, and other damage to your car while it is parked.

Lienholders require borrowers to purchase comprehensive and collision in addition to liability to protect their investment while you repay your loan. Additional optional coverage is also available to fit your needs.

There are a few states, like Virginia, which allow drivers that can’t afford immediate auto insurance coverage to pay an uninsured motorist fee for 12 months with the option to renew before the coverage expires.

In other states, drivers exercise the option of purchasing uninsured or underinsured motorist protection.

This coverage protects motorists against accidents involving individuals without insurance or those without enough insurance to cover all the damages sustained in the accident.

In no-fault states, it does not matter who was at fault in the accident. Each driver’s insurance company covers the damage and injuries of their policyholder.

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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

Reviews
for United Security Health & Casualty Insurance

3.42 (6 reviews)
4
August 18, 2018

Warlock

Relieved

great experience, will recommend it to a friend 10/10. Great support and helpful. Relieved after getting this insurance
5
July 17, 2018

mgrcia

Wonderful

Such a wonderful company ton work with . They were a pleasure to speak with and was not time consuming at all.
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