Home State vs Kemper Car Insurance for 2023

Car insurance is a necessity for every driver, but with so many options available, it can be challenging to choose the right provider. Home State and Kemper are two well-known car insurance companies, each with its own strengths and weaknesses. In this article, we will compare Home State car insurance vs Kemper car insurance to help you make an informed decision when choosing your insurance provider.

Here are three key points to keep in mind when considering Home State and Kemper car insurance:

• Home State offers a wide range of coverage options, including liability, collision, and comprehensive coverage.
• Kemper offers unique coverage options such as rideshare insurance, which is great for drivers who use their personal vehicle for ridesharing services.
• Both companies offer discounts for safe driving, bundling policies, and having multiple vehicles insured.

History and Mission

Home State Insurance was founded in 1948 and is based in Wisconsin. The company has a strong commitment to customer service and offers a variety of insurance products, including car, home, and life insurance. Their mission is to provide affordable insurance coverage while maintaining a high level of customer service.

Kemper Corporation was founded in 1990 and is based in Chicago, Illinois. The company offers a range of insurance products, including car, home, and renters insurance. Kemper’s mission is to provide innovative insurance solutions to its customers.

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Products and Services

Both Home State and Kemper offer a variety of insurance products, including car insurance. Home State’s car insurance policies include liability, collision, and comprehensive coverage. They also offer additional coverage options such as roadside assistance, rental car coverage, and uninsured motorist coverage. Home State car insurance is available in Wisconsin, Illinois, and Indiana.

Kemper’s car insurance policies also include liability, collision, and comprehensive coverage, as well as rideshare insurance, which is specifically designed for drivers who use their personal vehicles for ridesharing services such as Uber or Lyft. Kemper’s car insurance is available in 28 states, including California, Florida, and Texas.

Cost and Discounts

When it comes to cost, the price of car insurance will vary depending on factors such as your age, driving record, and location. However, both Home State and Kemper offer a range of discounts to help reduce the cost of car insurance.

Home State offers discounts for safe driving, bundling policies, and having multiple vehicles insured. They also offer a good student discount for drivers who maintain a B average or higher. Additionally, Home State offers a senior citizen discount for drivers over the age of 55.

Kemper offers discounts for safe driving, bundling policies, and having multiple vehicles insured. They also offer a military discount for active duty and retired military personnel. Furthermore, Kemper offers a good driver discount for drivers who have a clean driving record for three years or more.

Customer Reviews

It’s always important to consider customer reviews when choosing a car insurance provider. Both Home State and Kemper have received mixed reviews from customers.

Home State has received positive reviews for their customer service and claims handling. However, some customers have complained about their rates being higher than other insurance providers.

Kemper has received positive reviews for their unique coverage options and discounts. However, some customers have complained about poor customer service and claims handling.

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FAQ Section

Q: What factors determine the cost of auto insurance?

A: The cost of auto insurance depends on several factors, including your driving history, age, location, the type of vehicle you drive, and the coverage you select.

Q: What types of coverage does Kemper offer?

A: Kemper offers a variety of coverage options, including liability coverage, collision coverage, comprehensive coverage, personal injury protection, uninsured/underinsured motorist coverage, and more.

Q: Can I purchase Kemper auto insurance online?

A: Yes, Kemper allows customers to purchase auto insurance online through its website. However, customers can also opt to purchase coverage through a local agent.

Q: What discounts are available through Home State auto insurance?

A: Home State offers several discounts for customers, including safe driver discounts, multi-vehicle discounts, and homeowner discounts.

Q: How do I file a claim with Kemper?

A: To file a claim with Kemper, customers can contact the company’s claims department by phone, email, or online. The claims process typically involves providing details about the accident or incident, providing documentation, and working with an adjuster to evaluate the damage and determine a settlement.

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