Universal Underwriters of Texas Insurance Company: Customer Ratings & Reviews [2024]

Universal Underwriters of Texas Insurance Company, boasting over a century of experience, stands as a customer-focused insurance provider committed to delivering affordable coverage options and exceptional service across auto, home, and business insurance.

UPDATED: Jan 25, 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: Jan 25, 2024Fact Checked

Eric Stauffer

Licensed Insurance Agent

Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...

Licensed Insurance Agent

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: Jan 25, 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: Jan 25, 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: Jan 25, 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: Jan 25, 2024Fact Checked
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Universal Underwriters of Texas Insurance Company

Average monthly rate for good drivers:

$109

A.M. Best rating:

A- (Excellent)

Complaint level:

Low

Pros

  • Over 100 years of experience in the insurance industry.
  • Affordable coverage options.
  • Excellent customer service with positive customer reviews.
  • Various discounts available to help customers save money on premiums.
  • Quick and easy claims process with 24/7 claims reporting for emergencies.

Cons

  • Limited availability, currently serving only Texas, Arkansas, Oklahoma, and Tennessee.
  • No life insurance coverage offered at this time.
  • No mobile app available, but customers can access their account information and make payments through the company’s website.

Final Verdict: Review of Universal Underwriters of Texas Insurance Company

Universal Underwriters of Texas Insurance Company is a reliable, customer-focused insurance provider with over 100 years of experience. Offering auto, home, and business insurance, the company is committed to providing affordable coverage options and excellent customer service.

Customers can take advantage of various discounts, such as safe driving and home security system discounts, to further reduce their premiums. Universal Underwriters of Texas Insurance Company has received positive reviews from many customers for their affordable pricing and wide range of insurance products.

While the company’s availability is currently limited to Texas, Arkansas, Oklahoma, and Tennessee, their quick and easy claims process and commitment to customer satisfaction make them a top choice for individuals and businesses alike.

When it comes to insurance, choosing the right company can make all the difference. With so many options available, it can be overwhelming to make a decision. This is where Universal Underwriters of Texas Insurance Company comes in. With a wide range of insurance products and a commitment to excellent customer service, Universal Underwriters of Texas is a top choice for many. Types of Insurance Offered:
  • Auto Insurance
  • Home Insurance
  • Business Insurance
 

What You Should Know About Universal Underwriters of Texas Insurance Company

Company Contact Information:

Related Parent or Child Companies:

Universal Underwriters Group, a subsidiary of Zurich Insurance Group

Financial Ratings:

A.M. Best Rating: A- (Excellent)

Customer Service Ratings:

Universal Underwriters of Texas Insurance Company has received positive customer reviews for their excellent customer service. They have also received an A+ rating from the Better Business Bureau (BBB).

Claims Information:

Universal Underwriters of Texas Insurance Company has a quick and easy claims process. Customers can file claims online, over the phone, or through their agent. They also have a 24/7 claims reporting service for emergencies.

Company Apps:

Universal Underwriters of Texas Insurance Company does not currently have a mobile app. However, customers can access their account information and make payments through the company’s website.

Universal Underwriters of Texas Insurance Company Insurance Coverage Options

Universal Underwriters of Texas Insurance Company offers a wide range of insurance products to meet the needs of individuals and businesses. Their coverage options include:

  • Auto Insurance: Provides liability, collision, and comprehensive coverage for personal and commercial vehicles.
  • Home Insurance: Provides coverage for damage to the structure of the home, personal property, liability, and additional living expenses.
  • Business Insurance: Provides coverage for property damage, liability, workers’ compensation, and other business-related risks.
  • Workers’ Compensation Insurance: Provides coverage for medical expenses and lost wages for employees who are injured on the job.
  • General Liability Insurance: Provides coverage for legal expenses and damages associated with bodily injury or property damage that occurs on the insured’s premises.
  • Professional Liability Insurance: Provides coverage for professionals, such as doctors and lawyers, who may be sued for negligence or malpractice.

Read more:

These coverage options allow customers to choose the insurance products that best meet their specific needs and budget. Universal Underwriters of Texas Insurance Company also offers additional coverage options, such as roadside assistance and rental reimbursement, to provide even greater peace of mind to their customers.

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Universal Underwriters of Texas Insurance Company Insurance Rates Breakdown

Driver ProfileUniversal UnderwritersNational Average
Clean Record$54$119
1+ Ticket$75$147
1+ Accident$108$173
DUI$154$209
Poor Credit$93$205

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

Universal Underwriters of Texas Insurance Company Discounts Available

DiscountsUniversal Underwriters
Anti Theft8%
Good Student10%
Low Mileage12%
Paperless13%
Safe Driver12%
Senior Driver10%

Universal Underwriters of Texas Insurance Company offers a variety of discounts to help customers save money on their insurance premiums. These discounts include:

  • Safe Driver Discount: Offered to customers who maintain a clean driving record and have completed a defensive driving course.
  • Multi-Policy Discount: Offered to customers who have multiple policies with Universal Underwriters of Texas Insurance Company, such as auto and home insurance.
  • Home Security System Discount: Offered to customers who have a qualifying home security system installed in their home.
  • Pay in Full Discount: Offered to customers who pay their annual premium in full at the beginning of the policy term.
  • Good Student Discount: Offered to students who maintain a “B” average or higher in school.
  • Advance Quote Discount: Offered to customers who request a quote from Universal Underwriters of Texas Insurance Company at least seven days before their policy start date.
  • Military Discount: Offered to active and retired military personnel and their families.

These discounts can help customers save a significant amount of money on their insurance premiums, and they are just one of the many reasons why Universal Underwriters of Texas Insurance Company is a top choice for affordable insurance coverage.

How Universal Underwriters of Texas Insurance Company Ranks Among Providers

As a regional insurance company operating in Texas, Universal Underwriters of Texas Insurance Company faces stiff competition from several national insurance providers.

  • Allstate and State Farm are two of the largest insurance providers in the country, and they have a strong presence in Texas. They offer a wide range of insurance products and services, including auto, home, and life insurance, as well as financial services such as banking and investments.
  • Progressive and GEICO are both known for their affordable auto insurance rates and quirky advertising campaigns. They have gained popularity among price-sensitive consumers, but also offer other insurance products such as home, renters, and business insurance.
  • Farmers Insurance is another national insurance provider that has been operating in Texas for decades. They offer a variety of insurance products, including auto, home, and life insurance, as well as specialized coverage options for businesses.

Despite the strong competition, Universal Underwriters of Texas Insurance Company has been able to establish a niche in the Texas insurance market. Their focus on affordable insurance coverage and exceptional customer service has helped them to stand out from their competitors.

By offering customizable coverage options and discounts, they are able to cater to a wide range of customer needs and budgets.

Streamlined Claims Process at Universal Underwriters of Texas

Ease of Filing a Claim

Universal Underwriters of Texas Insurance Company offers multiple avenues for filing claims, including online submission, phone assistance, and through agents.

Average Claim Processing Time

The company is known for its quick and efficient claim processing, with a focus on resolving claims promptly.

Customer Feedback on Claim Resolutions and Payouts

Customer reviews generally reflect positive experiences with the claim resolutions and payouts offered by Universal Underwriters of Texas Insurance Company, highlighting satisfactory outcomes and fair compensation.

Cutting-Edge Digital Offerings at Universal Underwriters of Texas

Mobile App Features and Functionality

Currently, Universal Underwriters of Texas Insurance Company does not have a dedicated mobile app. However, customers can manage their accounts and make payments through the company’s website.

Online Account Management Capabilities

The company provides online account access, enabling customers to view policy details, payment history, and manage their accounts conveniently via the website.

Digital Tools and Resources

Though lacking a mobile app, Universal Underwriters of Texas Insurance Company offers robust digital resources on their website, allowing customers to access important information and resources related to their insurance coverage needs.

Frequently Asked Questions

What coverage options does Universal Underwriters of Texas Insurance Company provide?

Universal Underwriters of Texas Insurance Company offers a diverse range of coverage options, including auto, home, and business insurance. Customers can also access additional coverage options like roadside assistance and rental reimbursement to cater to specific needs and enhance peace of mind.

How does Universal Underwriters of Texas Insurance Company rank among its competitors?

Despite operating regionally in Texas and facing competition from national providers, Universal Underwriters of Texas Insurance Company has established a strong foothold in the market. Their emphasis on affordable coverage, exceptional customer service, customizable options, and discounts has distinguished them, allowing them to meet a wide array of customer needs and budgets.

What digital services are offered by Universal Underwriters of Texas Insurance Company?

While Universal Underwriters of Texas Insurance Company does not currently offer a dedicated mobile app, customers can conveniently manage their accounts and make payments through the company’s website. The website provides online account access, enabling customers to view policy details, payment history, and access important insurance-related resources.

How does the claims process work at Universal Underwriters of Texas Insurance Company?

Universal Underwriters of Texas Insurance Company ensures a streamlined claims process by offering multiple avenues for filing claims, such as online submission, phone assistance, and agent involvement. Known for prompt and efficient claim processing, the company prioritizes swift resolutions and satisfactory outcomes, as echoed in positive customer feedback regarding claim resolutions and payouts.

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Eric Stauffer

Licensed Insurance Agent

Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...

Licensed Insurance Agent

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.

Free Insurance Providers Comparison

Compare Insurance Providers Rates to Save Up to 75%

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