Insurance Company Reviews

Your Insurance Company Reviewed

Read Reviews From Your State:

Response Insurance Review

Response Insurance Customer Comments

These are comments left by site visitors who have completed a survey for this company. The comments are unedited and shown in the order the surveys were received. If you would like to participate, just click the "Take a Survey" button at the end of these comments.

"Premiums went up by 40% in six months. Never had a claim. Called and asked why the increase. Representative said it's because my neighbors were getting into accidents. Total BS......dropped them immediately."
Commented on 2017-09-08 08:10:43 EST
"It worries me when I read the horror stories regarding claims with Response. But I have had 2 claims since Unitrin bought them and in each case the service was prompt equitable and friendly. One accident was my fault and caused 7500 in damage. My rates went up 20/6 mo. and only on the accident vehicle. The other accident was not our fault and we got back even our deductible once the other insurance company paid. I cannot in good conscience fault this company."
Commented on 2012-08-14 15:11:38 EST
"Before Unitrin/Kemper bought them I actually had no problems with them. Now however their claims department is horrible. They are unreasonable and exasperating. Declared my car a total loss after hail damage the problem was what paid me for the car was not enough to replace it with "like kind and quality." "
Commented on 2012-06-08 22:50:41 EST
"Response had been pretty bad ever since they were bought out by Unitrin. I had never filed any claim with them, nor did I have ticket, but they increased my premium substantially anyway, and said "the costs of doing business in Illinois increased" or "Illinois increased fees", similar to what others have said here in other states. It appears that they just wanted to dump low-premium, safe drivers in order to make quick money (for their year-end bonuses)."
Commented on 2010-08-20 05:47:22 EST
"Stay away from Response and thier assoc. companies, I have been a customer for 25 plus years back when it was connecticut life a casualty, anyway I have 6 cars, I have 6 children my wife and myself, I have always paid on time. I wanted to add an other car, they told me the system will not allow it, they would make a new policy, so they created a new policy for my wife as the drive for a 2005 Honda Civic the cost for six months $7,744.00, ARE THEY HIGH, I pay about half that for the othe 6 cars, they really dont want me as a customer, today I called up to remove my oldest sons 2006 Ford F250 that they were charging me $729 for 6 months, as he has gone to Progresive for $412 for the same coverage for 6 months, Response told me I CANT REMOVE him till I prove to them he has new insurance, and when they do remove him the policy will only drop by #370 per 6 months what happened to the other $359. I have asked numurus times to talk to someone of higher authority and NEVER get a call back. This was the last straw, they just lost my cars and my house!!!!!"
Commented on 2010-05-10 11:33:17 EST
"I was involved in a no fault accident where I was actually rear ended. Response Insurance, whom I had for five years, doubled my insurance premium. The claim they paid me was only $1,000. Stay away from this Insurance Company. They are a complete SCAM!"
Commented on 2010-04-23 08:13:58 EST
"I had an at-fault accident and as expected my premium increased. That accident "fell off" the radar about a year ago and my rate reuced as expected. This renewal my premium DOUBLED! When I contacted the Response I was informed the state granted approval for a rate increase. There was no advance notice from Response informing me I would be paying double. I think this was unethical and tarnished the character of the company. I will purchase a new car soon and I can tell you without a doubt Response will not be the insurance company. "
Commented on 2010-03-04 11:09:12 EST
"I feel response does not reward drivers for a good driving record.I have never made a claim with response and my rates still go up.Why should i pay for someones elses mistakes.I get that answer when i question them about my policy. "
Commented on 2009-12-31 04:46:35 EST
"not happy with increases upon renewal"
Commented on 2009-11-07 08:12:22 EST
"I would not call them the cheapest, the premiums are lower comparing to others, but keep increasing with every renewal (+5%). Filed a claim once, it was handled promply without any delays. They directed me to their own repair shop though. "
Commented on 2009-11-04 07:34:51 EST
"EXtremely happy with service and claims as well as a very good price."
Commented on 2009-09-07 08:29:10 EST
"There is no place on your website to file a claim...."
Commented on 2009-08-23 12:46:37 EST
"My insurance went up almost $500 dollars at renewal. I have had no claims or accidents. Moving on to someone else."
Commented on 2009-07-21 09:34:03 EST
"Being bought out by Unitrin Direct"
Commented on 2009-05-08 10:24:04 EST
"Everyone that I have dealt with has acted prpfessionally and courteously. My claim was due to my negligence and although my rates increased I believe the charges were in line with the expenses they incurred. I am somewhat concerned regarding their acciquisition by Unitrin, and I will xompare rates prior to my next renewal, but they would have to increase substantially before any of the so-called "top 20" would be competitive. Since I have had none of the issues that I read about related to botched claims and rudeness, I must question the veracity of those authors in light of my own experience. "
Commented on 2009-05-07 10:44:17 EST
"I missed one payment (b/c I pay bills online and the payment never went through) and they dropped my insurance w/out notification beforehand! I had been a loyal customer for 10+ years and had never missed a payment, they told me that this did not matter to them...that they have known people to purposely not pay just to get the insurance cards...they did not care about 10+ years of loyalty. "
Commented on 2009-04-08 15:04:48 EST
"I have not had to file a claim, so maybe they are terrible at that part of things, but their rates are low and they are nice on the phone."
Commented on 2009-03-15 10:16:12 EST
"Started out with great rates rates way cheaper then anyone else. When it came time to renew the rate went up $200 then more then $300 the next time. So now they are way more expensive then anyone else. In this time I have no claims, no tickets and even my credit score went up. If anything the claim should have dropped I had claims before I went switched to response. So within a year I am having to switch again to another insurance. My advice is if you go with them get quotes again when it is time to renew. "
Commented on 2009-01-28 08:10:58 EST
"Was lured into the trap by rates. 50 + years of driving without an accident, then after my first, I'm told my car is totaled. Lady I dealt with concerning the claim was RUDE to me, owner of Lincoln dealership and his body shop manager. Adjuster missed several options and undervalued the car by about $3,000.00. They have revised [after being shown]the estimate, but still want to total. WHEN I get through with this deal, I'll go out of my way to tell everyone to avoid them like the plaque. Cheap Rates are not worth the treatment received. I will pay a real company 10 or 20% more to avoid this act in the future !!!!"
Commented on 2008-12-31 16:26:49 EST
"Some minor issues regarding timeliness of callbakcs, etc. but OK otherwise."
Commented on 2008-12-22 13:44:16 EST
"Beware! Response insurance is a great deal until you need them. They are absolutely out of compliance with Texas Insurance laws, and I have a pending complaint through the Texas Department of Insurance and advice from another claims adjuster to file a bad faith lawsuit against them. They would not pay on a claim made against my daughter because her father (my ex) bought her a truck and the title is not in her (a minor's) name. They did NOT send anyone to investigate her collision, which is not possibly her fault. They refuse to pay the claim made by the other party, refuse to investigate, return my calls, or deal with the situation. They have tried to back-date the policy and drop her vehicle without notification (against Texas law) to cover their butts. I predict they will not continue to be allowed to offer coverage in Texas for long. They are cheap, but not worth it."
Commented on 2008-11-29 13:20:52 EST
"I recently submitted a claim due to vandalism. The damage was over $4200.00. Response wants to charge me a betterment on my whole vehicle. I agree that some parts of my vehicle (top and hood) would be better because of the paint being slightly dull, however all other areas of my vehicle were nice and shiny. The insurance company has only given me $2800.00 towards the damage and I have a $250.00 deductible. This is totally unfair. When I had Allstate, my daughter ran into a fence, my whole vehicle (older than the one currently damaged) had to be repainted and I was never charged a betterment."
Commented on 2008-10-30 06:24:31 EST
"I took a chance with these people and it started out well, the people were nice and helpful, but then it seemed like I got a letter every 2 weeks asking for some obscure infirmation or changing the policy/pricing. I got very little help clearing this up so at the end of the 6 month policy I told them I would not renew. However at the end they chose to renew on thier own for 2 weeks, they then sent me a cancellation notice and a bill. I called and sent them a fax, showing my decleration page from my new policy showing I was covered. I was told it would be taken care of, and they did...they sent it to a collection agency. Now I'm spending more of my time clearing this up. Good luck to the rest of you, but I'll stay with my big company with a local agent...I saved money and I've got someone face to face if there is a problem! "
Commented on 2008-10-10 14:58:42 EST
"Gave me the run around because my son uses my address for his mail. He travels for his work and they cancelled my policy because they said he lives with us. Not a very trusting company. They also were very hard to deal with when I bought a new vehicle and wanted to add it. They seemed like they don't really want my business."
Commented on 2008-09-30 13:12:53 EST
"Made the claim one week ago and just now someone is comming to look at my truck. I had too call them twice before I was able to get a rental."
Commented on 2008-09-08 09:25:48 EST
"no very good responding to a claim...! and the tried to paid less than my car is worth!!! cheap insurance / cheap service"
Commented on 2008-08-22 09:55:21 EST
"Online quotes are never actual. They use bait & switch marketing."
Commented on 2008-08-19 11:38:27 EST
"Very negative feedback from Claims Department Personel. No effort to be helpful or even friendly."
Commented on 2008-07-18 12:55:44 EST
"I have a glass claim for under $100 - it has been six months and it is still not paid. I get conflicting information from their representatives when I call. I worry about what will happen if I ever have a serious claim!"
Commented on 2008-06-11 10:18:55 EST
"I was quoted one rate for the policy, and provided them with all the informations that they asked for. They called my phone and my sister answered the phone. They called me and said that I was lying and that my sister who is grown and lives in another state lives with me and that I needed to add her to my policy. I refused and then they sent me a letter asking for my sister's address, driver's license number, and a copy of her current insurance. The customer service agent was rude and stated that I would not have this problem if I just give him what he asked for. I am looking for a drama free insurance company, I don't need the hassle and multiple letters throughout the month. Response insurance gets a big thumbs down from me."
Commented on 2008-06-04 09:57:21 EST
"I called to start up a policy and they said that they would not accept domestic partnerships with both of our names on the title/registration...what???? What year is this?"
Commented on 2008-05-23 08:35:28 EST
"Great Rates, Great Service, I don't understand the negative reviews as I have not had any problems with this company. They have always been available to me and very friendly."
Commented on 2008-05-21 14:05:29 EST
"The price is half anywhere else, and the customer service to date has been amazing"
Commented on 2008-01-14 09:24:28 EST
"They will not write you a policy with 2 names on a title. Only 1 person may be on the title! This is the craziest thing I've heard in a while."
Commented on 2008-01-14 06:36:35 EST
"even after doing everything that ask i was mailed a cancellation letter for not having insurance for one day yes one day the day i changed insurance companys and i even had my old insurance mail me and them a letter stating that i did have insurance for that day so beware of this company...... also i did pay for the whole 6 months i i hope i can get some money back i will let you know take care "
Commented on 2007-12-20 19:37:05 EST
"In September, a 6 month insurance policy was written and paid for $395.92. Now in December, they want an additional $902.00, because the policy was reviewed and they made changes...No where on my declarations page was anything changed but the cost!!!!"
Commented on 2007-12-14 15:05:03 EST
"Their customer service is superb and the claims Dept. too. They take care of the claims right away."
Commented on 2007-12-04 15:59:11 EST
"outstanding customer service, outstanding pricing. "
Commented on 2007-11-27 13:47:09 EST
"This is a company that I have had insurance with only a short time, but they saved me over 1200.00 a year on car insurance. I had no citations, and a good driving record and no one but Response rewarded me for my good driving. Thank you Terry J "
Commented on 2007-10-08 05:19:07 EST
"Great rates and good customer service!"
Commented on 2007-07-15 10:34:08 EST
Take Survey
Read Reviews From Your State: