Old Republic Union Insurance Company Review (2024)

Old Republic Union Insurance Company emerges as a stalwart choice for individuals seeking robust insurance solutions, boasting a diverse range of policies, unparalleled customer service, and an unwavering commitment to excellence.

UPDATED: Apr 23, 2024Fact Checked

Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

UPDATED: Apr 23, 2024

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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above 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: Apr 23, 2024

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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Apr 23, 2024Fact Checked

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Old Republic Union Insurance Company

Average Monthly Rate For Good Drivers

$123

A.M. Best Rating:

A+

Complaint Level:

Low

Pros

  • The diverse range of insurance products
  • Strong financial stability and trustworthiness
  • Flexible customization options for policies
  • Comprehensive auto insurance coverage
  • Wide network of healthcare providers for health insurance

Cons

  • Specialty insurance options may not be as well-known
  • Specific discounts for auto insurance vary by location
  • Limited information available on the website about pricing details for some policies
  • May not be the cheapest option for budget-conscious customers
  • Limited availability in certain regions

In this comprehensive article, we delve into the world of Old Republic Union Insurance Company, a trusted provider offering a diverse array of insurance solutions to safeguard your future. Beginning with an engaging introduction, we highlight the types of insurance they offer, including life, auto, home, business, and health insurance.

We explore what sets Old Republic Union apart from competitors in the insurance industry and provide real customer testimonials to reinforce its reliability. Concluding with a set of informative faqs, this article offers readers a thorough understanding of why Old Republic Union Insurance is a top choice for comprehensive insurance coverage tailored to individual needs.

Old Republic Insurance Coverage Options

When it comes to safeguarding your assets and ensuring peace of mind, Old Republic Union Insurance Company offers a comprehensive range of coverage options. Whether you’re protecting your car, home, family, or business, Old Republic Union Insurance has tailored solutions to meet your specific needs.

Auto Insurance

  • Liability Coverage
  • Collision Coverage
  • Comprehensive Coverage
  • Uninsured/Underinsured Motorist Coverage
  • Personal Injury Protection (PIP)
  • Rental Car Reimbursement

Home Insurance

  • Dwelling Coverage
  • Personal Property Coverage
  • Liability Coverage
  • Additional Living Expenses (ALE) Coverage
  • Other Structures Coverage
  • Flood Insurance (if applicable)

Life Insurance

  • Term Life Insurance
  • Whole Life Insurance
  • Universal Life Insurance
  • Variable Life Insurance
  • Riders for Additional Coverage (e.g., Critical Illness, Accidental Death)

Business Insurance

  • Commercial Property Insurance
  • General Liability Insurance
  • Business Interruption Insurance
  • Workers’ Compensation Insurance
  • Commercial Auto Insurance
  • Professional Liability Insurance

Old Republic Union Insurance Company’s diverse coverage options empower individuals and businesses to navigate life’s uncertainties with confidence. From auto and home insurance to life and business coverage, Old Republic Union Insurance Company’s commitment to excellence shines through in every policy, providing the security and protection you deserve.

Read more: Old Republic Life Insurance Company Review

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Old Republic Insurance Rates Breakdown

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Driver ProfileOld Republic Union InsuranceNational Average
Clean Record$97$119
1+ Ticket$131$147
1+ Accident$149$173
DUI$198$209
Poor Credit$167$205

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

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Old Republic Discounts Available

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DiscountsOld Republic Union Insurance
Anti Theft14%
Good Student16%
Low Mileage13%
Paperless11%
Safe Driver21%
Senior Driver14%

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At Old Republic Union Insurance Company, they offer a range of discounts to help policyholders save on their premiums while still benefiting from top-notch protection. These discounts are designed to reward responsible choices and make insurance more affordable for everyone.

  • Multi-Policy Discount: Customers can save by bundling multiple insurance policies, such as auto and home insurance.
  • Safe Driver Discount: Policyholders with a clean driving record and a history of safe driving habits are eligible for reduced rates.
  • Good Student Discount: Students who maintain good grades can qualify for lower rates on their auto insurance.
  • Home Security Discount: Installing security features like alarms and monitoring systems in your home can lead to savings on your home insurance premiums.
  • Auto Safety Features Discount: If your vehicle is equipped with safety features like anti-lock brakes, airbags, or anti-theft devices, you may be eligible for a discount.
  • Claim-Free Discount: Customers who have a history of not filing insurance claims can enjoy lower rates as a reward for their responsible behavior.
  • Mature Driver Discount: Older drivers who have completed defensive driving courses may qualify for reduced auto insurance rates.
  • Multi-Vehicle Discount: Insuring multiple vehicles under the same policy can lead to discounts for each vehicle.
  • Renewal Discount: Old Republic Union Insurance Company often rewards loyal customers with discounts when they renew their policies.
  • Paid-in-Full Discount: Paying your premium in one lump sum rather than in installments may make you eligible for a discount.
  • Affinity Group Discount: Being a member of certain professional or affinity groups can entitle you to special discounts.

Old Republic Union Insurance Company goes the extra mile to ensure that their customers not only have access to comprehensive insurance coverage but also enjoy savings through a variety of discounts. Contact them today to explore how these discounts can work for you and help you secure your future while keeping your budget in check.

How Old Republic Ranks Among Providers

Old Republic Union Insurance Company faces competition in the insurance industry from several key players. Here, we’ll discuss some of the company’s main competitors:

  • State Farm: State Farm is one of the largest and most well-known insurance providers in the United States. They offer a wide range of insurance products, including auto, home, life, and health insurance. State Farm’s extensive network of agents and a strong brand presence make them a formidable competitor.
  • Allstate: Allstate is another major competitor in the insurance industry. They offer a variety of insurance products and have a reputation for strong customer service and innovative policies. Allstate’s advertising campaigns have helped establish its brand recognition.
  • Geico: Known for its catchy advertising and competitive pricing, Geico is a major player in the auto insurance market. They often attract customers with their promise of savings, leveraging their direct-to-consumer model and online presence.
  • Progressive insurance: Progressive is a leading auto insurance provider that has gained popularity for its innovative approach, including usage-based insurance and a focus on technology. Their “Flo” advertising campaign has helped establish a recognizable brand identity.
  • Nationwide: Nationwide offers a range of insurance products, including auto, home, and pet insurance. They are known for their commitment to customer service and a network of agents across the country.
  • Liberty Mutual: Liberty Mutual is a global insurance company with a strong presence in the U.S. They provide various insurance options, including auto, home, and life insurance. Their focus on customer-centric solutions and personalized policies is a competitive advantage.
  • American International Group: AIG is a multinational insurance corporation that competes in various sectors of the insurance industry, including property, casualty, life, and retirement services. They have a significant global presence and cater to a wide range of clients.
  • Prudential Financial: Prudential is a major player in the life insurance and financial services sector. They offer a broad array of life insurance and investment products. Prudential’s long history and financial stability make it a strong competitor in the life insurance market.
  • USAA: While primarily serving military members and their families, USAA is a notable competitor in the insurance industry. They are known for their excellent customer service and comprehensive insurance offerings.
  • Farmers: Farmers offers a range of insurance products, including auto, home, and small business insurance. They have a substantial network of agents and a variety of coverage options.

These competitors challenge Old Republic Union Insurance Company in various ways, from pricing and marketing strategies to customer service and innovative policies. Additionally, staying updated with industry trends and technology can help Old Republic Union Insurance maintain its competitive edge.

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Old Republic Union Insurance Company Claims Process

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Old Republic Union Insurance Company prioritizes a hassle-free claims process for its policyholders. Whether you prefer the convenience of online submissions, a phone call, or utilizing their mobile app, the company offers multiple channels to make filing a claim as effortless as possible.

This commitment to accessibility ensures that customers can choose the method that suits them best, providing a seamless experience during what can be a stressful time.

Average Claim Processing Time

One of the key factors that policyholders consider when evaluating an insurance provider is the speed at which claims are processed. Old Republic Union Insurance Company prides itself on efficient claim processing.

While specific processing times may vary depending on the complexity of the claim, customers generally report quick responses and resolutions. This efficiency contributes to the company’s reputation for reliability and customer satisfaction.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is a valuable indicator of an insurance company’s performance. Old Republic Union Insurance Company consistently receives positive reviews for its claim resolutions and payouts.

Customers appreciate the fair and prompt settlements they receive, which reflect the company’s commitment to providing the financial support policyholders need when they file a claim. This positive feedback reinforces Old Republic Union Insurance Company’s reputation as a trusted insurance provider.

Digital and Technological Features of Old Republic Union Insurance Company

Mobile App Features and Functionality

Old Republic Union Insurance Company offers a user-friendly mobile app with a range of features designed to enhance the customer experience.

The app allows policyholders to manage their policies, view important documents, and even file claims directly from their smartphones. With a user interface that is intuitive and efficient, the mobile app is a valuable tool for customers on the go.

Online Account Management Capabilities

For those who prefer to manage their insurance policies and accounts online, Old Republic Union Insurance Company provides a robust online account management platform.

Policyholders can access their accounts 24/7, review policy details, make payments, and update information with ease. This online portal empowers customers to have complete control over their insurance needs from the comfort of their own homes.

Digital Tools and Resources

In addition to the mobile app and online account management, Old Republic Union Insurance Company offers a suite of digital tools and resources to assist customers in understanding their policies and making informed decisions.

These resources include informative articles, educational videos, and interactive tools that help policyholders navigate the complexities of insurance. The company’s commitment to digital innovation ensures that customers have access to the information they need to make the right insurance choices.

Frequently Asked Questions

How do I file a claim with Old Republic Union Insurance?

Filing a claim is simple. Contact the Old Republic Union claims team online or by phone, and they will guide you through the process.

Are there discounts for bundling multiple insurance policies?

Yes, Old Republic Union Insurance Company offer discounts for bundling policies, helping you save on your insurance coverage.

What makes Old Republic Union stand out from other insurers?

Old Republic Union’s dedication to customer satisfaction, hassle-free claims, and diverse coverage options set them apart.

Can I customize my insurance policy to fit my needs?

Absolutely! Old Republic Union offer customizable policies to ensure you get the coverage that suits you.

How quickly can I get a quote from Old Republic Union Insurance?

You can receive a personalized quote within minutes, either online or by speaking with one of their agents.

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Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

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.

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