American Family vs Kemper Car Insurance for 2024

When it comes to car insurance, choosing the right provider can be a daunting task. With so many options available in the market, it can be challenging to compare and find the best fit for your needs.

• American Family has been recognized as one of the top-rated car insurance companies in the US by several independent rating agencies.
• Kemper car insurance is known for providing affordable rates for high-risk drivers, including those with a poor driving history or a low credit score.
• Both American Family and Kemper offer a range of discounts to their customers, which can help reduce the overall cost of car insurance.

In this article, we will be comparing two popular car insurance companies – American Family car insurance and Kemper car insurance – to help you make an informed decision.

We will be evaluating their products, services, costs, and customer reviews to provide you with a comprehensive understanding of their offerings.

History and Mission: American Family vs Kemper

American Family Insurance was founded in 1927 and has been providing insurance services for over 90 years. The company’s mission is to inspire, protect, and restore dreams.

They offer a range of insurance products, including auto, home, life, health, and business insurance. The company operates in 19 states across the US, including Arizona, Colorado, Georgia, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, North Dakota, Ohio, Oregon, South Dakota, Utah, Washington, Wisconsin, and Idaho.

Kemper Corporation, the parent company of Kemper car insurance, was founded in 1990 and is headquartered in Chicago, Illinois. The company’s mission is to provide affordable and reliable insurance services to its customers.

Kemper car insurance is available in 28 states across the US, including Arizona, California, Colorado, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Missouri, Nebraska, Nevada, New Jersey, New Mexico, North Carolina, Ohio, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Virginia, and Wisconsin.

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Products and Services: American Family vs Kemper

American Family offers a variety of car insurance products to meet the needs of their customers. Here is a brief overview of their main products and services:

• Liability coverage: This is the minimum coverage required by law and covers damage to other people’s property or injuries to others in an accident that you are responsible for.
• Collision coverage: This coverage pays for repairs or replacement of your car if it is damaged in a collision with another vehicle or object.
• Comprehensive coverage: This coverage pays for repairs or replacement of your car if it is damaged by something other than a collision, such as theft, fire, or a natural disaster.
• Uninsured/underinsured motorist coverage: This coverage protects you if you are in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover the damages.
• Personal injury protection: This coverage pays for medical expenses and lost wages if you or your passengers are injured in an accident, regardless of who is at fault.
• Rental reimbursement: This coverage pays for a rental car if your car is in the shop for repairs after an accident.
• Emergency roadside assistance: This coverage provides assistance if you have a flat tire, run out of gas, or need a tow.

Kemper car insurance offers similar products to American Family. Here is a brief overview of their main products and services:

• Liability coverage: This is the minimum coverage required by law and covers damage to other people’s property or injuries to others in an accident that you are responsible for.
• Collision coverage: This coverage pays for repairs or replacement of your car if it is damaged in a collision with another vehicle or object.
• Comprehensive coverage: This coverage pays for repairs or replacement of your car if it is damaged by something other than a collision, such as theft, fire, or a natural disaster.
• Uninsured/underinsured motorist coverage: This coverage protects you if you are in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover the damages.
• Non-standard car insurance: Kemper specializes in providing insurance for high-risk drivers, including those with a poor driving history or a low credit score. They offer non-standard car insurance policies to these drivers, which may have higher premiums but still provide the required coverage.

In addition to these main products, both American Family and Kemper offer optional coverage and endorsements that can be added to your policy, such as roadside assistance, rental car reimbursement, and more.

Cost of Coverage

Both American Family and Kemper car insurance use similar factors to determine the cost of their policies. These include:

• Driving history: Your driving record, including any accidents, tickets, or claims you have made in the past, can impact the cost of your insurance policy.
• Location: Where you live can also affect the cost of your insurance. Drivers in urban areas or areas with high rates of accidents or theft may pay more for insurance than those in rural areas.
• Age: Younger drivers are often considered to be higher risk and may pay more for insurance than older, more experienced drivers.
• Vehicle type: The make, model, and year of your car can also impact the cost of your insurance policy. More expensive cars or cars that are expensive to repair may cost more to insure.
• Credit score: Some insurance companies may also consider your credit score when determining the cost of your policy.

In general, both American Family and Kemper car insurance offer competitive rates for their coverage. However, the cost of your insurance will ultimately depend on your unique circumstances and the type of coverage you need. It’s always a good idea to shop around and compare rates from multiple insurance companies to find the best deal for you.

Discounts Offered

oth American Family and Kemper car insurance offer a variety of discounts to their customers. These discounts can help you save money on your insurance premiums and may make one company a more attractive option for you depending on your circumstances. Here are some of the discounts offered by each company:

American Family Discounts:

• Multi-Vehicle Discount: If you insure more than one vehicle with American Family, you can save up to 25% on your premiums.
• Safe Driver Discount: If you have a clean driving record and have not had any accidents or traffic violations in the past few years, you may be eligible for a safe driver discount.
• Low Mileage Discount: If you drive your car less than a certain number of miles per year, you may qualify for a low mileage discount.
• Defensive Driving Discount: If you complete an approved defensive driving course, you may be eligible for a discount on your insurance premiums.
• Loyalty Discount: If you have been a customer of American Family for a certain number of years, you may qualify for a loyalty discount.

Kemper Car Insurance Discounts:

• Multi-Policy Discount: If you purchase both car insurance and another type of insurance, such as home insurance, from Kemper, you may qualify for a multi-policy discount.
• Safe Driver Discount: If you have a clean driving record and have not had any accidents or traffic violations in the past few years, you may be eligible for a safe driver discount.
• Defensive Driver Discount: If you complete an approved defensive driving course, you may be eligible for a discount on your insurance premiums.
• Good Student Discount: If you are a student and maintain good grades, you may be eligible for a discount on your insurance premiums.
• Anti-Theft Discount: If your car is equipped with certain anti-theft devices, such as an alarm or a tracking system, you may qualify for an anti-theft discount.

It’s important to note that the availability and amount of these discounts may vary depending on your location and the type of policy you have. To find out which discounts you may be eligible for, it’s a good idea to contact a representative from either company and ask about available discounts.

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Case Studies: Comparing American Family and Kemper Car Insurance

Case Study 1: John’s Experience with American Family Car Insurance

John, a resident of Colorado, recently purchased a car insurance policy from American Family. He was impressed with the comprehensive coverage options provided by the company, including liability coverage, collision coverage, and uninsured/underinsured motorist coverage.

John had a minor accident, and American Family promptly processed his claim, providing him with excellent customer service throughout the process. John was satisfied with the value he received from American Family and recommends them for their reliable coverage and responsive claims handling.

Case Study 2: Sarah’s Experience with Kemper Car Insurance

Sarah, a driver from Florida, decided to switch her car insurance to Kemper after receiving a competitive quote. She found Kemper’s policy options to be flexible and tailored to her needs. Sarah appreciated the availability of optional add-ons like roadside assistance, which gave her peace of mind on her daily commutes.

When Sarah had a flat tire on the road, she contacted Kemper’s 24-hour claims hotline and received prompt assistance. She was pleased with the efficiency of the claims process and the professionalism of Kemper’s representatives.

Case Study 3: Michael’s Comparison of American Family and Kemper Car Insurance

Michael, a resident of Illinois, recently conducted a thorough comparison of car insurance providers and narrowed his choices down to American Family and Kemper. He carefully examined their coverage options, rates, and customer satisfaction ratings.

After obtaining quotes from both companies, Michael found that American Family offered slightly lower rates for the same level of coverage compared to Kemper. However, he discovered that Kemper had a higher customer satisfaction rating and positive reviews regarding their claims handling process.

Considering his budget and the importance of excellent customer service, Michael ultimately chose Kemper as his car insurance provider. He found the process of switching insurance companies to be smooth, and Kemper’s representatives were helpful in guiding him through the transition. Michael has been satisfied with Kemper’s coverage and appreciates their commitment to customer satisfaction.

Comparing American Family vs. Kemper: Navigating the Claims Process

Ease of Filing a Claim 

Both American Family and Kemper car insurance companies offer convenient options for filing insurance claims. Policyholders can file claims through online portals, over the phone, or by using mobile apps. These user-friendly options make it easy for customers to report accidents and incidents, ensuring a smooth claims process.

Average Claim Processing Time

The average claim processing time is a crucial factor for policyholders, as it determines how quickly they can receive compensation after an accident. While specific processing times may vary depending on the nature of the claim and other factors, both American Family and Kemper strive to process claims efficiently. Customers can expect a reasonable turnaround time when filing a claim with either company.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback plays a significant role in assessing the quality of insurance companies’ claim resolutions and payouts. Both American Family and Kemper have received positive feedback from customers regarding their claims handling processes. Policyholders have reported satisfaction with the responsiveness of these insurers when addressing claims and the fair and timely payouts they receive.

Unveiling the Digital Advancements: American Family vs. Kemper – A Tech-Driven Comparison

Mobile App Features and Functionality

Both American Family and Kemper offer mobile apps that provide policyholders with convenient access to their insurance accounts. These apps typically include features such as policy management, claims filing, digital ID cards, and payment processing. Customers can easily download and use these apps to stay connected with their insurance providers.

Online Account Management Capabilities

Policyholders of American Family and Kemper can manage their insurance accounts online through dedicated customer portals. These online account management platforms allow customers to view and update policy information, track claims, make payments, and access important documents. The user-friendly interfaces make it convenient for customers to handle their insurance needs online.

Digital Tools and Resources

Both American Family and Kemper offer various digital tools and resources to assist policyholders in understanding their insurance coverage and making informed decisions. These resources may include educational articles, calculators, coverage guides, and FAQs. These tools empower customers to navigate the complexities of insurance and make choices that align with their needs and preferences.

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FAQs

Here are some frequently asked questions about American Family and Kemper car insurance:

American Family FAQs:

Q: What states does American Family offer car insurance in?

A: American Family offers car insurance in 19 states: Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, North Dakota, Ohio, Oregon, South Dakota, Utah, Washington, and Wisconsin.

Q: How can I file a claim with American Family?

A: You can file a claim with American Family by calling their 24-hour claims hotline at 1-800-MYAMFAM (1-800-692-6326) or by using their online claims portal.

Q: Does American Family offer roadside assistance?

A: Yes, American Family offers roadside assistance as an optional add-on to their car insurance policies.

Q: Can I manage my American Family policy online?

A: Yes, American Family offers an online customer portal where you can view and manage your policy, make payments, and more.

Kemper Car Insurance FAQs:

Q: What states does Kemper offer car insurance in?

A: Kemper offers car insurance in 32 states: Alabama, Arizona, California, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Maryland, Michigan, Minnesota, Mississippi, Missouri, Nevada, New Jersey, New Mexico, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, and Washington.

Q: How can I file a claim with Kemper?

A: You can file a claim with Kemper by calling their 24-hour claims hotline at 1-888-252-2799 or by using their online claims portal.

Q: Does Kemper offer roadside assistance?

A: Yes, Kemper offers roadside assistance as an optional add-on to their car insurance policies.

Q: Can I manage my Kemper policy online?

A: Yes, Kemper offers an online customer portal where you can view and manage your policy, make payments, and more.

It’s important to note that the answers to these FAQs may be subject to change, and it’s always a good idea to check with the company directly to confirm any information before making decisions about your insurance policy.

Roundup: American Family vs Kemper

In conclusion, American Family and Kemper are both reputable car insurance companies that offer a variety of products and services to meet the needs of their customers.

American Family is a larger company that operates in fewer states, but they have a strong reputation for customer service and offer a range of discounts that can help lower the cost of insurance.

Kemper, on the other hand, operates in more states and has a focus on providing affordable coverage to drivers who may have difficulty finding coverage elsewhere.

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