American National vs Kemper Car Insurance for 2023

Car insurance is an essential expense for drivers, and it’s important to choose the right provider that offers the coverage you need at a reasonable price. In this review, we’ll be comparing American National car insurance and Kemper car insurance, two reputable car insurance providers in the U.S.

Our aim is to help you understand the differences between these two companies so that you can make an informed decision when choosing a car insurance provider.

Here are three key points to keep in mind when comparing American National and Kemper car insurance:

1. American National is a well-established insurance provider that offers a wide range of coverage options, including liability, collision, comprehensive, and personal injury protection. They also offer special coverage options for high-value vehicles and classic cars.
2. Kemper is known for providing affordable coverage options for drivers who may have difficulty finding affordable rates elsewhere. They offer standard coverage options as well as add-ons like rental car coverage and roadside assistance.
3. Both American National and Kemper car insurance offer a range of discounts that can help lower your premium costs. These discounts include safe driver discounts, multi-car discounts, and discounts for bundling home and auto insurance.

Company History and Mission: American National vs Kemper

American National has been providing insurance services for over 100 years, and they are known for their financial strength and stability. They offer a wide range of insurance products, including life insurance, home insurance, and business insurance, in addition to their car insurance offerings.

American National’s mission is to provide financial security to their customers by offering comprehensive insurance coverage and outstanding customer service.

Kemper is a subsidiary of Kemper Corporation, a diversified insurance holding company that has been in business since 1990. Kemper’s mission is to provide affordable, quality car insurance to drivers across the US.

They are committed to simplifying the insurance process and offering coverage options that meet their customers’ needs.

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Products and Services Offered: American National vs Kemper

American National offers a range of car insurance coverage options, including liability, collision, comprehensive, and personal injury protection. They also offer coverage options for high-value vehicles and classic cars.

American National’s car insurance policies are customizable, allowing customers to tailor their coverage to their specific needs. They also offer additional coverage options like roadside assistance, rental car coverage, and gap insurance.

Kemper offers standard car insurance coverage options, including liability, collision, and comprehensive coverage. They also offer add-on options like rental car coverage, roadside assistance, and gap insurance.

Kemper car insurance policies are customizable, and customers can choose from a range of coverage limits and deductibles to create a policy that meets their needs and budget.

Cost and Availability: American National vs Kemper

The cost of car insurance varies based on a variety of factors, including the driver’s age, driving record, and location.

American National and Kemper both offer competitive rates, and the cost of coverage will depend on the specific policy and coverage options chosen. American National offers car insurance in all 50 states, while Kemper car insurance is available in 28 states.

American National and Kemper Car Insurance Discounts

Both American National and Kemper car insurance offer a range of discounts that can help lower your premium costs.

Some of the discounts offered by American National include safe driver discounts, multi-car discounts, and discounts for bundling home and auto insurance. Kemper offers similar discounts, including safe driver discounts, multi-car discounts, and discounts for drivers who complete a defensive driving course.

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Customer Reviews: American National vs Kemper

Customer reviews can provide valuable insights into the quality of service and coverage offered by insurance providers.

American National has received positive reviews for their customer service and claims handling, with many customers praising the helpfulness and professionalism of their agents. Kemper has also received positive reviews, with many customers noting their affordable rates and attentive customer service.

FAQ

Q: What is the coverage area for Kemper car insurance?

A: Kemper car insurance is available in 43 states across the United States.

Q: What types of car insurance does American National offer?

A: American National offers a range of car insurance products, including liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, personal injury protection (PIP), and roadside assistance.

Q: What types of discounts are available with American National?

A: American National offers a variety of discounts, including safe driver discounts, multi-policy discounts, anti-theft discounts, and loyalty discounts. Customers can also receive discounts for paying their premium in full and for enrolling in automatic payments.

Q: Does Kemper offer any online tools for customers?

A: Yes, Kemper offers a variety of online tools for customers, including a mobile app for policy management, claims tracking, and roadside assistance. Customers can also access their policy documents and make payments online.

Q: How do the prices of American National and Kemper car insurance compare?

A: The cost of car insurance varies depending on a variety of factors, including driving record, location, and the type of coverage needed. It is recommended to compare quotes from both American National and Kemper to determine the best option for your individual needs.

Q: Are there any additional benefits or perks to using American National or Kemper car insurance?

A: Both American National and Kemper car insurance offer additional benefits and perks for customers, such as 24/7 claims support, rental car reimbursement, and customized coverage options. It is recommended to speak with a representative from each company to determine the specific benefits and perks available to you.

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