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Response Insurance

Response Insurance first began its operations in 1995, with the launch its holding company, Direct Corporation. The primary goal of Response Insurance is to offer affordable insurance to its customers. In October of 1997 they sold their first auto insurance policy, and have not slowed down since.

Response Auto Insurance prides itself on its commitment to offering the lowest rates to responsible drivers. The company figured out in 1999, with the release of their national driving habits research, that bad drivers were driving up insurance rates, which is why in 2000, they started focusing on acquiring responsible drivers. This way, they could maintain the lowest rates possible for their clients. And in February of 2009, they were acquired by Unitrin, a financial services organization with over $2.8 billion in annual premium revenues and over $9 billion in assets.

Products offered by Response Insurance include the following:

Auto Insurance

Response Auto Insurance offers a variety of coverage, including bodily injury liability, property damage liability, collision, uninsured/underinsured, comprehensive, and personal injury protection.

Homeowners and Rental Insurance

Every homeowners insurance policy will vary, but standard policies cover damage to your house or its permanent structure and often limited coverage is available for items like jewelry, if they are stolen. Also covered, both in homeowners and rental insurance policies is damage to your personal property due to the causes that are listed in your policy.

Umbrella Insurance

Response Insurance also offers umbrella insurance, which is essentially extra liability insurance. It can protect you against major claims, covering bodily injury and property damage, and lawsuits against you for slander, false arrest, or other personal liability situations.

Do not forget to look into a number of discounts that Response Insurance offers:

Teachers’ Insurance Plan

If you are an educator, whether active or retired, you may be eligible for a discount on your auto insurance. Response Auto Insurance started this program in 1992, and it also benefit’s the families of educators as well.

Responsible Driver

For those with years of responsible driving, you will receive lower premium rates.

Response Auto Insurance

The company prides itself on passing on savings and security to those who have earned it through the safe driving practices.

Multiple Policies

When you purchase multiple policies, like that of homeowner or renters’ insurance, in addition to your auto policy, you can receive additional discounts.

Driving Usage/Courses

For those who drive rarely (low yearly mileage) or who have taken a defensive driving course, may be eligible for additional discounts.


If you have installed an Anti-lock Brake System (ABS), Anti-theft device(s), and/or airbags (driver’s side or full-front airbags) you may be able to receive additional discounts on your auto insurance premiums.

Response Insurance is able to service their customers not only on the phone, but also on the internet through their company website. They use state-of-art technology and management systems to provide excellent customer service and meet the needs of their customers and can be reached 24 hours a day.