Merastar Insurance Company

Merastar Insurance Company
5600 Brainerd Rd., Ste 1A,
Chattanooga, TN 37411
(423) 296-7368
(800) 637-2782

Merastar Insurance Company is the former name of Unitrin Direct Preferred Insurance. The latter is part of the Unitrin Group of Insurance Companies with over six million policy holders and US$9 billion in assets. The company has provided home and auto insurance products to employee groups and associations nationwide for the past 30 years. Merastar is headquartered in Chattanooga, Tennessee and is approved to conduct business in the District of Columbia and all U.S. states except Alaska, Hawaii, Massachusetts, and New Jersey.

In 2007, Merastar Insurance joined Unitrin Direct. This action highlighted Unitrin’s commitment to private lines insurance sold straight to consumers. Merastar’s worksite distribution channel adequately harmonized Unitrin Direct’s current direct-to-consumer distribution channels and hastened Unitrin Direct’s development towards attaining essential economies of scale.

Meraster Insurance’s focuses on employer-sponsored property and casualty insurance products. Its mission is to provide excellent personal insurance to employers and their employees with ease through payroll deductions. Merastar Insurance provides personal property and casualty insurance employees need, particularly auto insurance, homeowner, renter and condo insurance, boat and umbrella or personal excess liability. The company has a solid practice of client-focused, professional sales and service. Each of its staff is a licensed insurance professional, and the company’s claims specialists located all over the country can be reached 24 hours a day, seven days a week. Customers are assured that their questions are answered fast and easy, either through their call center, through mail, fax or online.

Merastar Insurance offers competitive premiums and easy payment options, including monthly and semi-monthly bank draft, monthly and quarterly direct billings, and escrow payment or payment through the client’s mortgage company. It also provides special safety discounts only available to existing Merastar Insurance policyholders, and 24/7 claims reporting. It has a Safe & Sound® program which applies if clients guarantees avoiding drinking and driving, and wearing a seat belt when driving. In addition, its companion policy discount lessens the cost when both the client’s home and vehicle are with the company. There are additional discounts given to good drivers and students, anti-theft devices, and multi-car ownership. Driver training discounts for senior citizens are also available.

Auto insurance policies generally differ by company and from state to state but basically, an auto insurance policy is a blending of mandatory and optional coverage in one package to suit the needs and budget of clients. Merastar Insurance provides various ways to help its clients manage the cost of their vehicle insurance through a wide range of coverage limits and deductibles, as well as available discounts. Auto insurance has likewise different payment options that assist clients in matching the cost of their insurance with their budget.

Truly, clients are ensured of world-class service with the company’s financial strength rating of “A” (Excellent) from the insurance rating firm A.M. Best. This reflects the company’s strong market position in the final expense and other senior market life insurance divisions, good statutory operating earnings, steady growth in net premiums written, as well as solid risk-adjusted capitalization position.