Allstate vs Kemper Car Insurance for 2024

When it comes to choosing a car insurance company, the options can be overwhelming. With so many companies vying for your business, it can be tough to know which one is right for you.

• Allstate is one of the largest and most recognizable car insurance companies in the United States. With over 90 years of experience, they’ve built a reputation for reliability, customer service, and a broad range of insurance products.
• Kemper is a relatively new player in the car insurance industry, having been founded in 1990. They specialize in non-standard car insurance, which means they offer coverage to drivers who have had accidents, DUIs, or other incidents that might make them ineligible for coverage from other companies.
• Both Allstate and Kemper offer a variety of insurance products, including car insurance, home insurance, life insurance, and more. However, Allstate is known for its comprehensive coverage options, while Kemper is known for its specialized offerings.

In this article, we’ll take a closer look at two popular car insurance companies: Allstate and Kemper. We’ll compare their offerings, services, and pricing to help you decide which one is the best fit for your needs.

History and Mission

Allstate has been around for over 90 years, having been founded in 1931. Their mission is to help protect people from life’s uncertainties and prepare them for the future. They offer a wide range of insurance products, including car insurance, home insurance, life insurance, and more. They’re also known for their commitment to community service, having donated over $500 million to various charitable causes.

Kemper, on the other hand, is a much newer company, having been founded in 1990. Their mission is to provide affordable insurance to drivers who might otherwise be unable to obtain coverage. They specialize in non-standard car insurance and offer a variety of other insurance products as well.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

States Where Allstate and Kemper Car Insurance Offers Coverage

Allstate is available in all 50 states in the United States, as well as in Washington, D.C. This means that no matter where you live in the U.S., you can likely get coverage from Allstate.

Kemper, on the other hand, is available in 26 states across the country. These states are:

• Alabama
• Arizona
• California
• Colorado
• Connecticut
• Florida
• Georgia
• Illinois
• Indiana
• Iowa
• Kansas
• Kentucky
• Maryland
• Michigan
• Minnesota
• Mississippi
• Missouri
• Nevada
• New Jersey
• New Mexico
• New York
• Ohio
• Oregon
• Pennsylvania
• Texas
• Virginia

If you live in one of these states, you may be able to get car insurance coverage from Kemper. However, if you live in a state that Kemper doesn’t currently serve, you’ll need to look for coverage from another insurance company.

Coverage Options: Allstate vs. Kemper

Allstate offers a wide range of insurance products, including:

• Car insurance: Allstate offers a variety of coverage options for car insurance, including liability coverage, collision coverage, comprehensive coverage, personal injury protection, and more.
• Homeowners insurance: Allstate offers coverage for homeowners, renters, condo owners, and landlords. They also offer additional coverage options, such as flood insurance, identity restoration coverage, and more.
• Life insurance: Allstate offers term life insurance, whole life insurance, and universal life insurance policies.
• Business insurance: Allstate offers a range of insurance products for small businesses, including liability insurance, property insurance, and workers’ compensation insurance.
• Pet insurance: Allstate offers coverage for cats and dogs, including accident-only coverage, illness coverage, and wellness coverage.

In addition to these insurance products, Allstate also offers a range of services to its customers, such as roadside assistance, claims support, and online tools for managing your insurance policies.

Kemper, on the other hand, primarily focuses on auto insurance, although they also offer other insurance products, such as:

• Home insurance: Kemper offers homeowners insurance, renters insurance, and condo insurance policies.
• Life insurance: Kemper offers term life insurance, whole life insurance, and universal life insurance policies.
• Health insurance: Kemper offers a range of health insurance products, including short-term health insurance and supplemental health insurance.

It’s important to note that the availability of specific products and services can vary depending on the state where you live and the specific policy options that are offered in your area.

Cost of Coverage

When it comes to car insurance, the cost of coverage can vary widely depending on a number of factors, including your driving record, the type of car you drive, and the level of coverage you choose. That being said, both Allstate and Kemper offer competitive pricing for their car insurance policies.

Allstate offers a variety of car insurance coverage options, including liability coverage, collision coverage, comprehensive coverage, and more. According to data from ValuePenguin, the average annual cost of car insurance from Allstate is around $1,834. However, it’s important to note that this is just an average, and the actual cost of coverage can vary significantly depending on your individual circumstances.

Kemper primarily focuses on auto insurance, and they offer a range of coverage options for drivers. According to data from ValuePenguin, the average annual cost of car insurance from Kemper is around $1,247. Again, this is just an average, and your actual cost of coverage may be higher or lower depending on your specific situation.

The cost of insurance from either Allstate or Kemper will depend on a variety of factors, including your driving history, the type of car you drive, and the level of coverage you choose. The best way to get an accurate idea of how much you’ll pay for coverage is to get a personalized quote based on your specific needs and circumstances.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Discounts Available

Allstate car insurance offers a range of discounts that can help drivers save money on their car insurance premiums. Some of the discounts available from Allstate include:

• Safe driving discounts: Allstate offers safe driving discounts to customers who have a good driving record and haven’t been in any accidents recently.
• Multi-policy discounts: If you have multiple insurance policies with Allstate (such as car insurance and homeowners insurance), you may be eligible for a discount on your premiums.
• New car discounts: Allstate offers discounts to customers who purchase a new car or have a car that is less than two years old.
• Anti-theft device discounts: If you have an anti-theft device installed in your car, you may be eligible for a discount on your premiums.
• Early signing discounts: If you sign up for Allstate car insurance before your current policy expires, you may be eligible for a discount on your premiums.

Kemper car insurance also offers a range of discounts to its customers. Some of the discounts available from Kemper include:

• Safe driver discounts: Kemper offers safe driver discounts to customers who have a good driving record and haven’t been in any accidents recently.
• Multi-policy discounts: If you have multiple insurance policies with Kemper (such as car insurance and homeowners insurance), you may be eligible for a discount on your premiums.
• Paid-in-full discounts: If you pay your entire annual premium upfront, you may be eligible for a discount on your premiums.
• Anti-theft device discounts: If you have an anti-theft device installed in your car, you may be eligible for a discount on your premiums.
• Good student discounts: Kemper offers discounts to students who maintain good grades in school.

It’s worth noting that the discounts available from both Allstate and Kemper can vary depending on the state where you live, as well as your individual circumstances. To find out which discounts you may be eligible for, it’s best to speak with a representative from the insurance company or to request a quote online.

Case Studies: Coverage, Rates, and Customer Satisfaction of Allstate and Kemper Car Insurance

Case Study 1: Allstate vs. Kemper – Coverage and Rates Comparison

In this fictional case study, we examine the car insurance coverage and rates offered by Allstate and Kemper. We analyze the different insurance products, services, and pricing options provided by both companies. By comparing the offerings of these two popular car insurance providers, we aim to help readers determine which company offers better protection and value for their vehicles and wallets.

Case Study 2: Allstate – A Trusted Insurance Provider with a Rich History

In this fictional case study, we delve into the history and mission of Allstate, a car insurance company with over 90 years of experience. We explore Allstate’s commitment to protecting individuals from life’s uncertainties and their dedication to community service. Additionally, we highlight the wide range of insurance products offered by Allstate, including car insurance, home insurance, and life insurance.

Case Study 3: Kemper – Affordable Insurance Solutions for Non-Standard Drivers

In this fictional case study, we focus on Kemper, a relatively new insurance company founded in 1990. We examine Kemper’s mission to provide affordable insurance to drivers who may struggle to obtain coverage elsewhere.

Specifically, we explore Kemper’s specialization in non-standard car insurance and their offering of various insurance products. By showcasing Kemper’s unique approach, we aim to inform readers about an alternative insurance option.

Allstate vs. Kemper Effortless Claims Process

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Filing a car insurance claim is a crucial aspect of the insurance experience. Both Allstate and Kemper offer multiple channels for policyholders to file claims, ensuring convenience and accessibility. Policyholders can file claims through online platforms, over the phone with customer service representatives, and even via mobile apps.

Average Claim Processing Time

The speed at which an insurance company processes claims can significantly impact a policyholder’s experience during a stressful time. It’s essential to evaluate the average claim processing time for Allstate and Kemper to determine their efficiency in handling claims promptly and providing policyholders with the support they need.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is invaluable in assessing the quality of an insurance company’s claim resolutions and payouts. Examining reviews and testimonials from policyholders who have gone through the claims process with Allstate and Kemper can offer insights into the overall satisfaction and fairness of their claim settlements.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Unleashing Innovation With Allstate vs. Kemper Digital and Technological Features

Mobile App Features and Functionality

In today’s digital age, insurance companies often provide mobile apps to enhance the customer experience. Evaluating the features and functionality of Allstate and Kemper’s mobile apps can help policyholders understand how easily they can manage their policies, file claims, access important documents, and receive real-time updates on their insurance matters.

Online Account Management Capabilities

Online account management is a key aspect of modern insurance services. Policyholders rely on online platforms to view and manage their policies, make payments, and update personal information. Comparing Allstate and Kemper’s online account management capabilities can shed light on how user-friendly and comprehensive these tools are for policyholders.

Digital Tools and Resources

Insurance companies often provide various digital tools and resources to educate and assist policyholders. These may include educational articles, calculators, and resources to help policyholders make informed decisions about their coverage. Exploring the digital tools and resources offered by Allstate and Kemper can help policyholders gauge the level of support and information available to them.

FAQs

Here are some frequently asked questions (FAQs) about Allstate and Kemper car insurance:

Allstate:

Q: How can I get a quote for car insurance from Allstate?

A: You can get a quote for car insurance from Allstate by visiting their website or by calling their customer service line.

Q: Does Allstate offer roadside assistance?

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

Q: Does Allstate offer accident forgiveness?

A: Yes, Allstate offers accident forgiveness as an optional add-on to their car insurance policies.

Q: How can I file a claim with Allstate?

A: You can file a claim with Allstate online, over the phone, or through the Allstate mobile app.

Kemper:

Q: How can I get a quote for car insurance from Kemper?

A: You can get a quote for car insurance from Kemper by visiting their website or by calling their customer service line.

Q: Does Kemper offer roadside assistance?

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

Roundup: Allstate vs. Kemper

In conclusion, both Allstate and Kemper are reputable car insurance companies that offer a range of products and services to meet the needs of their customers. Allstate is a larger, more well-known company that has been in business for almost 90 years.

They offer a variety of discounts and rewards to customers, including safe driving discounts and accident forgiveness. Kemper is a smaller company that focuses on providing affordable car insurance options to drivers in select states. They offer discounts for safe driving and multiple vehicles, as well as optional add-ons like roadside assistance and accident forgiveness.

It’s important to compare rates and coverage options from multiple companies before making a decision, and to choose a company that you feel comfortable working with and that provides the level of coverage and service that you need.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption