Kemper vs Shelter Insurance Car Insurance for 2023
In the complex landscape of car insurance, this article presents a detailed comparison between Kemper and Shelter Insurance, offering essential insights to guide consumers in making informed and tailored choices.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Nov 25, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page 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 car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Nov 25, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
| Factors | Kemper | Shelter |
|---|---|---|
| Clean Record | $125 | $120 |
| 1+ Ticket | $157 | $112 |
| 1+ Accident | $197 | $135 |
| DUI | $227 | $160 |
| Poor Credit | $215 | $206 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
| Discounts | Kemper | Shelter |
|---|---|---|
| Anti Theft | 6% | 20% |
| Good Student | 12% | 8% |
| Low Mileage | 9% | 10% |
| Paperless | 7% | 5% |
| Safe Driver | 16% | 15% |
| Senior Driver | 11% | 10% |
Kemper Car Insurance
Pros:
- Affordability: Kemper is committed to providing affordable insurance, attracting customers like John who appreciate competitive pricing.
- Unique Discounts: Kemper offers unique discounts, such as the “accident forgiveness” program, providing added value to customers like John.
- Positive Customer Reviews: Positive feedback on Kemper’s improved customer service and efficient claims handling, as experienced by Michael, contributes to its positive reputation.
Cons:
- Limited History: Founded in 1990, Kemper has a shorter history compared to Shelter, which may impact perceptions of stability and reliability.
- Perceived Customer Service Concerns: While Kemper has made improvements, there may still be lingering concerns about customer service based on individual experiences.
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Shelter Insurance Car Insurance
Pros:
- Established Reputation: Shelter, founded in 1946, has a long-standing reputation for quality coverage and excellent customer service, attracting customers like Sarah.
- Innovative Discounts: Shelter’s “Diminishing Deductible” program is an innovative way to reduce deductibles over time, appealing to customers like Sarah.
- Efficient Claims Handling: Positive feedback on Shelter’s hassle-free claims process and prompt resolutions contributes to customer satisfaction.
Cons:
- Potentially Higher Premiums: While offering quality coverage, Shelter’s premiums may be perceived as higher compared to competitors, impacting affordability for some customers.
- Limited Unique Programs: Shelter lacks some unique discount programs offered by competitors, potentially limiting the variety of cost-saving options for customers.
Best Overall Car Insurance: Kemper Car Insurance
When comparing Kemper and Shelter car insurance, both companies offer competitive services with unique advantages. However, after a comprehensive analysis of rates and offerings, Kemper emerges as the better choice for several reasons.
Affordability: Kemper’s commitment to providing affordable insurance is evident in the positive experience of customers like John, who found their pricing competitive and attractive. The “accident forgiveness” program further adds value by protecting customers from premium increases after their first accident.
Unique Discounts: Kemper stands out with its innovative “accident forgiveness” program, providing a distinctive benefit not found with Shelter. This unique feature addresses a common concern for drivers and adds a layer of financial security.
Positive Customer Reviews: Despite initial concerns, Kemper has received positive feedback for its improved customer service and efficient claims handling, as demonstrated by Michael’s experience. These positive reviews contribute to Kemper’s overall reputation.
While Shelter Insurance has its merits, including a long-standing reputation and the innovative “Diminishing Deductible” program, Kemper’s combination of affordability, unique discounts, and positive customer reviews makes it the better overall choice for car insurance. It caters to a broader range of customer needs, aligning with the goal of providing coverage that is both accessible and beneficial.
History and Mission
Kemper was founded in 1990 and has a mission to provide affordable insurance to as many people as possible. They offer a range of insurance products, including car insurance, home insurance, and life insurance.
Shelter was founded in 1946 and has a mission to provide personalized service and quality coverage to its customers. They also offer a range of insurance products, including car insurance, home insurance, and business insurance.
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Products and Services
Both Kemper and Shelter offer a range of car insurance products, including liability coverage, collision coverage, and comprehensive coverage. They also offer roadside assistance, rental car coverage, and uninsured/underinsured motorist coverage.
The cost of these services can vary depending on factors such as your driving record, the type of car you drive, and where you live. Both companies offer online quotes so you can get an estimate of how much your insurance will cost.
Kemper and Shelter Discounts
One of the best ways to save money on car insurance is by taking advantage of discounts. Both Kemper and Shelter offer a variety of discounts, including safe driving, multi-policy, and good student discounts.
Kemper also offers a unique “accident forgiveness” program that forgives a customer’s first accident without impacting their rates. Shelter offers a “Diminishing Deductible” program, which reduces your deductible by $100 for every year you go without a claim.
Case Studies: Kemper vs. Shelter Insurance Car Insurance
Case Study 1: John’s Experience With Kemper Car Insurance
John, a 35-year-old driver with a clean driving record, recently purchased car insurance from Kemper. He was drawn to Kemper by their affordable prices and range of insurance products. John opted for liability coverage, collision coverage, and comprehensive coverage to ensure he had comprehensive protection.
He also took advantage of Kemper’s safe driving discount and accident forgiveness program, which protects against premium increases after his first accident. John found the online quote process straightforward and appreciated the personalized service he received from Kemper’s customer support.
Case Study 2: Sarah’s Experience With Shelter Car Insurance
Sarah, a 28-year-old driver, decided to go with Shelter car insurance for her new car. She was impressed by Shelter’s long-standing reputation for providing quality coverage and excellent customer service. Sarah opted for liability coverage, rental car coverage, and uninsured/underinsured motorist coverage.
As a good student, Sarah qualified for Shelter’s good student discount, which helped reduce her premium. She was also intrigued by Shelter’s “Diminishing Deductible” program, which gradually reduces her deductible over time. Sarah appreciated the ease of filing claims with Shelter and the prompt resolution of her inquiries.
Case Study 3: Michael’s Experience With Kemper and Shelter Car Insurance
Michael, a 45-year-old driver with a few previous accidents on his record, decided to compare car insurance options between Kemper and Shelter. He wanted to find affordable coverage without compromising on the quality of service.
After obtaining quotes from both companies, Michael found that Kemper offered a more competitive rate considering his past accidents. However, he was initially hesitant to choose Kemper due to concerns about their customer service.
To gain more insight, Michael reached out to customer reviews and discovered that Kemper had made significant improvements in their customer service in recent years. Many customers praised the company for its efficient claims handling and responsive support.
Taking this into account, Michael decided to give Kemper a chance and purchased car insurance from them. He selected a comprehensive coverage plan with additional roadside assistance for added peace of mind.
Throughout his policy, Michael had a minor accident and had to file a claim with Kemper. He was pleasantly surprised by the smooth claims process and the quick resolution of his claim. The positive experience reinforced his decision to choose Kemper.
Although Michael’s experience was specific to Kemper, he acknowledged that Shelter might have also provided quality coverage and service. He recognized the importance of considering individual circumstances and preferences when making a car insurance decision.
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Effortless Claims Handling With Kemper vs. Shelter Insurance
Ease of Filing a Claim
Both Kemper and Shelter Insurance offer convenient methods for filing claims, including online submissions, phone calls, and mobile apps. Customers can choose the option that suits them best, making the process hassle-free and accessible.
Average Claim Processing Time
The average claim processing time is a crucial factor for customers. Both Kemper and Shelter Insurance are committed to efficient claims handling. While specific processing times may vary based on the complexity of the claim, both companies aim to resolve claims promptly, ensuring a smooth experience for their policyholders.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback provides valuable insights into the satisfaction of policyholders. Both Kemper and Shelter Insurance have received positive reviews for their claim resolutions and payouts. Customers appreciate the transparency, professionalism, and fairness demonstrated by these companies during the claims process. These positive experiences contribute to their reputation for excellent customer service.
Unveiling Digital and Technological Advancements of Kemper vs. Shelter Insurance
Mobile App Features and Functionality
Both Kemper and Shelter Insurance offer user-friendly mobile apps equipped with features such as policy management, claims reporting, and digital ID cards. These apps provide policyholders with convenient access to their insurance information on the go, enhancing overall customer experience.
Online Account Management Capabilities
Online account management is a key aspect of customer convenience. Kemper and Shelter Insurance offer robust online portals where customers can manage their policies, view documents, make payments, and update their information. These secure platforms empower policyholders to have full control over their insurance accounts from the comfort of their homes.
Digital Tools and Resources
In addition to mobile apps and online account management, both Kemper and Shelter Insurance provide various digital tools and resources to assist customers. These resources may include educational articles, FAQs, and interactive tools that help policyholders better understand their coverage options, discounts, and insurance-related queries.
By offering these digital resources, both companies contribute to enhancing customer knowledge and confidence in their insurance choices.
Customer Reviews
Both Kemper and Shelter have received positive customer reviews. Customers appreciate the affordable prices and personalized service they receive from Kemper. Shelter customers appreciate the company’s commitment to quality coverage and excellent customer service.
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Frequently Asked Questions
What factors should I consider when choosing between Kemper and Shelter car insurance?
Key factors to consider include pricing, coverage options, unique discount programs, and customer satisfaction. Evaluate which aspects align with your specific needs and preferences.
What makes Kemper’s “accident forgiveness” program unique?
Kemper’s “accident forgiveness” program stands out by forgiving a customer’s first accident without impacting their insurance rates, providing a valuable benefit for drivers concerned about premium increases.
Does Shelter Insurance offer innovative discount programs?
Yes, Shelter’s “Diminishing Deductible” program is an innovative offering that gradually reduces your deductible by $100 for every claim-free year, offering potential long-term savings.
How do Kemper and Shelter handle claims processing?
Both Kemper and Shelter Insurance offer convenient methods for filing claims, including online submissions, phone calls, and mobile apps. The companies are committed to efficient claims handling and prompt resolutions.
Can I manage my car insurance policies online with Kemper and Shelter?
Yes, both companies provide user-friendly online portals and mobile apps that allow policyholders to manage their policies, view documents, make payments, and update their information conveniently.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.