Kemper Car Insurance Review (2024)
Kemper car insurance can be an affordable and reliable choice for many drivers. Kemper offers competitive pricing, customizable coverage options, and an app to help keep everything organized. A quote will better help you figure out what your rates will look like as they will be based off personal factors.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
UPDATED: Jan 8, 2024
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: Jan 8, 2024
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
- AM Best Rating: A-
- Monthly Rates From: $47-$125
- Types of Coverage: Aircraft, Auto, Commercial Auto, Earthquake, Flood, Homeowners
- Customer Service & Claims Number: 800-782-1020
Are you looking for a car insurance company that provides customizable coverage options at an affordable price? Look no further than Kemper Car Insurance. Car insurance is a necessity for any driver which is why it’s important to know the basics of car insurance coverage. Car insurance provides financial protection in the event of an accident or damage to your vehicle.
With so many options available, it can be overwhelming to choose the right one. That’s where Kemper Car Insurance comes in. This company has customizable coverage options, competitive pricing, and user-friendly technology which makes it a top choice for car insurance.
Kemper Insurance Average Monthly Rates vs U.S. Average
| Coverage Type | Kemper | U.S. Average |
|---|---|---|
| Full Coverage | $125 | $119 |
| Minimum Coverage | $47 | $45 |
Factors Impacting Kemper Car Insurance Costs
When it comes to selecting the right car insurance, understanding the cost is a crucial factor in making an informed decision. Kemper Car Insurance offers a range of coverage options and discounts, but the actual cost can vary significantly based on several factors.
Here are the various elements that influence the cost of Kemper Car Insurance. The cost of your Kemper Car Insurance policy is determined by a combination of factors. These factors can include:
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Coverage Options: The type and extent of coverage you choose will have a significant impact on your premium. Full coverage policies, which include comprehensive and collision coverage, tend to be more expensive than liability-only coverage.
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Vehicle Details: The make, model, and year of your car play a role in determining the cost. Newer, more valuable vehicles may have higher premiums.
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Driving History: Your driving record is a crucial factor. Safe and accident-free drivers generally enjoy lower premiums, while those with a history of accidents or traffic violations may face higher costs.
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Location: Where you live can affect your premium. Areas with high traffic, crime rates, or severe weather conditions may lead to higher insurance costs.
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Age and Gender: Younger and less experienced drivers often pay more for car insurance. Additionally, statistics show that gender can also influence premiums.
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Credit Score: In some states, insurers use credit scores as a factor in determining premiums. Maintaining good credit can help reduce costs.
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Discounts: Kemper offers various discounts, such as safe driver discounts, multi-policy discounts, and safety feature discounts. Qualifying for these can lower your premium.
The actual cost of Kemper Car Insurance will depend on your unique circumstances and the combination of these factors. To get an accurate quote for your specific situation, it’s advisable to request a personalized quote directly from Kemper or through a licensed insurance agent.
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What coverage is offered by Kemper car insurance?
Kemper Car Insurance offers a wide range of coverage options for both personal and commercial vehicles. These include liability coverage, collision coverage, comprehensive coverage, personal injury protection, and uninsured/underinsured motorist coverage. The company also offers additional services such as roadside assistance and rental car coverage.
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Liability Coverage: This is a basic coverage that helps pay for the medical expenses and property damage incurred by other parties in an accident for which you are at fault. It typically includes Bodily Injury Liability and Property Damage Liability.
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Collision Coverage: Collision coverage helps pay for the repair or replacement of your vehicle if it’s damaged in a collision, regardless of who is at fault.
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Comprehensive Coverage: Comprehensive coverage helps pay for damage to your vehicle that is not the result of a collision. This can include damage from theft, vandalism, natural disasters, and more.
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Personal Injury Protection (PIP): PIP coverage, often required in no-fault states, helps cover medical expenses and other related costs for you and your passengers after an accident.
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Uninsured/Underinsured Motorist Coverage: This coverage provides protection if you’re in an accident with a driver who doesn’t have insurance or has insufficient insurance to cover your expenses.
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Rental Car Coverage: This optional coverage helps pay for a rental car if your vehicle is being repaired after an accident.
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Roadside Assistance: Roadside assistance coverage provides help with common issues like flat tires, dead batteries, and towing.
Kemper Car Insurance stands out for its flexibility in providing coverage that suits your unique circumstances. Whether you’re interested in basic liability coverage or comprehensive protection that includes everything from collision to personal injury coverage, Kemper has the options you need.
The cost of services varies depending on the coverage options selected and other factors such as the make and model of your vehicle, your driving record, and your location. You may want to know the difference between full-coverage and liability-only car insurance, as the price might affect the amount of coverage you choose. However, Kemper Car Insurance is known for its competitive pricing and offers discounts to help customers save money.
Discounts Offered by Kemper Insurance
When it comes to finding the right car insurance, saving money is often a top priority. Kemper Car Insurance understands this, and they offer a range of discounts to help you lower your insurance premiums. These discounts can make your coverage more affordable without compromising on the protection you need.
Here are the various discounts that Kemper Car Insurance provides, helping you discover how you can keep more money in your pocket while still enjoying comprehensive coverage.
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Safe Driver Discount: If you have a clean driving record with no recent accidents or violations, you may qualify for a safe driver discount, which can significantly reduce your premium.
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Multi-Policy Discount: Bundling your auto insurance with other policies, such as home or renters insurance, can lead to a multi-policy discount. This can result in savings on all your policies.
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Safety Feature Discounts: If your vehicle is equipped with safety features like anti-lock brakes, airbags, or an anti-theft system, you may be eligible for discounts.
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Good Student Discount: Students with good academic records may qualify for a good student discount. This encourages responsible behavior both in academics and on the road.
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Anti-Theft Device Discount: Installing anti-theft devices in your vehicle can lead to discounts, as it reduces the risk of theft.
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Defensive Driving Course Discount: Completing a defensive driving course can make you eligible for a discount. These courses help improve your driving skills and safety awareness.
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Paid-in-Full Discount: Paying your annual premium in full upfront rather than in installments can lead to a paid-in-full discount.
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Paperless Billing Discount: Opting for electronic billing and statements can result in a paperless billing discount.
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Automatic Payment Discount: Setting up automatic premium payments can lead to savings, as it reduces administrative costs for the insurer.
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Low Mileage Discount: If you drive fewer miles than the average driver, you may be eligible for a low mileage discount. This often applies to individuals who use their vehicles sparingly.
Kemper Car Insurance doesn’t just offer excellent coverage options; they also make it more budget-friendly through a variety of discounts. Whether you’re a safe driver, a student, or someone who appreciates the value of bundling policies, Kemper has discounts tailored to your needs.
To find out which discounts you qualify for and start saving on your auto insurance, contact Kemper Car Insurance today or speak with a licensed agent. Don’t miss out on the opportunity to maximize your savings while enjoying the protection and peace of mind that Kemper Car Insurance provides.
Navigating Claims Process With Kemper Car Insurance
Ease of Filing a Claim
Kemper car insurance simplifies the claims process for its policyholders by offering multiple convenient methods for filing claims. Whether you prefer the ease of online claim submission, the personal touch of phone assistance, or the convenience of using mobile apps, Kemper provides various channels to accommodate diverse preferences.
Average Claim Processing Time
Kemper places a strong emphasis on efficient claims processing. While specific processing times may vary depending on individual circumstances and the complexity of the claim, Kemper is committed to minimizing delays and ensuring timely resolutions. Prompt claim processing is integral to Kemper’s dedication to customer satisfaction.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback serves as a valuable indicator of an insurance company’s claims handling performance. Kemper car insurance has received mixed reviews from customers regarding claim resolutions and payouts.
Some customers have commended the company for fair and efficient claims handling, reflecting Kemper’s commitment to fulfilling its promises. However, there have been instances where policyholders expressed concerns about aspects of the claims process, highlighting areas for potential improvement.
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Kemper Car Insurance Digital and Technological Features
Mobile App Features and Functionality
Kemper car insurance offers a user-friendly mobile app equipped with a range of features and functionality to provide policyholders with convenient access to their insurance-related information. The app empowers users to access policy details, make payments, and even file claims directly from their mobile devices, ensuring seamless policy management at their fingertips.
Online Account Management Capabilities
In addition to its mobile app, Kemper car insurance provides robust online account management capabilities through its website. Policyholders can effortlessly access and manage their accounts, review policy documents, and update personal information online.
This online platform ensures 24/7 accessibility to insurance information, enabling customers to make changes and inquiries conveniently without the need for phone calls or in-person visits.
Digital Tools and Resources
Kemper recognizes the importance of offering digital tools and resources to assist its policyholders. These resources encompass educational materials designed to enhance customer understanding of coverage options and online calculators to accurately estimate insurance needs.
By providing these digital tools, Kemper aims to empower its customers with knowledge, ensuring they make well-informed decisions and fostering trust in its services.
Customer Reviews for Kemper Insurance
Customers have generally positive things to say about Kemper Car Insurance. They appreciate the company’s competitive pricing, customizable coverage options, and user-friendly technology.
However, some customers have reported issues with claims processing and difficulty reaching customer service representatives. Most drivers want to be able to file a car insurance claim with ease, and having accessible customer service can help with the reputation of any company.
Kemper Car Insurance History
Kemper Car Insurance has been providing insurance solutions for over 70 years. Their mission is to help customers protect what they value most, by offering affordable and reliable insurance coverage. Today, the company operates in all 50 states and serves over 6 million policyholders.
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Kemper Car Insurance Review: In Conclusion
In conclusion, Kemper Car Insurance is a top choice for customizable and affordable car insurance. The wide range of coverage options, competitive pricing, and variety of discounts make the company a reliable and trusted insurance provider. Whether you’re in the market for personal or commercial car insurance, Kemper Car Insurance has you covered.
Frequently Asked Questions
How much will Kemper car insurance cost?
Your car insurance rates will be determined by each individual company, with some of them using your age, location, and the vehicle you drive. A clean driving record will help you reduce how much you pay for coverage.
Does Kemper car insurance come with discounts?
While discounts are offered, you will need to supply the proper information in order for the company to know you qualify.
Is Kemper a good car insurance company?
While Kemper offers an app and discounts, some customers have complained about struggling with the customer service and claims process.
What is Kemper Car Insurance?
Kemper Car Insurance, also known as Kemper Auto Insurance, is a company that offers auto insurance coverage to drivers in the United States. They provide a range of insurance products designed to protect individuals and their vehicles in case of accidents or other unforeseen events.
Is Kemper a reputable insurance company?
Kemper has been in the insurance industry for many years and is generally considered a reputable insurance provider. However, like any insurance company, its reputation may vary depending on individual experiences and specific locations. It’s essential to research and read reviews to determine if Kemper is the right fit for your insurance needs.
What types of auto insurance coverage does Kemper offer?
Kemper offers standard auto insurance coverage, including liability, collision, comprehensive, uninsured/underinsured motorist, and personal injury protection (PIP) coverage. They also offer optional coverage options like roadside assistance and rental car reimbursement.
What factors influence the cost of Kemper car insurance premiums?
The cost of Kemper car insurance premiums is influenced by various factors, including your driving history, the type of coverage you choose, the make and model of your vehicle, your location, your age, and your credit score. Safer drivers with a clean record generally pay lower premiums.
Can I manage my Kemper car insurance policy online?
Yes, Kemper often provides online account management options for policyholders. You can log in to your account on their website to make payments, view policy documents, request changes, and more.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
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.