Kemper vs Liberty Mutual Car Insurance for 2023
Comparing Kemper and Liberty Mutual: Coverage Options, Customer Satisfaction, and Financial Strength
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Melanie Musson
Published Insurance Expert
Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...
Published Insurance Expert
UPDATED: Apr 9, 2023
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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: Apr 9, 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.
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When it comes to car insurance, choosing the right provider can be a daunting task. With so many options available, it can be hard to know where to start. In this article, we’ll take a look at two popular insurance companies, Kemper and Liberty Mutual, and compare their car insurance offerings.
Kemper car insurance and Liberty Mutual car insurance are both well-established insurance providers with a strong presence in the United States. Here are a few interesting attributes of these companies:
- Kemper is a specialty insurance provider that focuses on non-standard auto insurance for high-risk drivers.
- Liberty Mutual is one of the largest insurance providers in the United States and offers a wide range of insurance products, including car insurance.
If you’re in the market for car insurance and are considering Kemper or Liberty Mutual, keep reading to learn more about these companies and what they have to offer.
Company History and Mission:
Kemper was founded in 1990 and is headquartered in Chicago, Illinois. The company’s mission is to provide affordable insurance to high-risk drivers who may have difficulty obtaining coverage elsewhere. Kemper offers non-standard auto insurance policies that are tailored to each individual driver’s needs.
Liberty Mutual was founded in 1912 and is headquartered in Boston, Massachusetts. The company’s mission is to help people live safer, more secure lives. In addition to car insurance, Liberty Mutual offers a variety of other insurance products, including home insurance, renters insurance, and life insurance.
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Products and Services:
Kemper offers a range of car insurance products, including liability coverage, collision coverage, and comprehensive coverage. The company also offers specialized insurance policies for high-risk drivers, such as those with multiple accidents or DUI convictions. Kemper’s rates vary depending on a number of factors, including the driver’s age, driving record, and location.
Liberty Mutual offers several different types of car insurance coverage, including liability coverage, collision coverage, and comprehensive coverage. The company also offers several optional coverage types, such as rental car reimbursement and roadside assistance. Like Kemper, Liberty Mutual’s rates vary depending on several factors, including the driver’s age, driving record, and location.
Discounts Available to Customers:
Both Kemper and Liberty Mutual offer several discounts to their customers. Here are a few of the discounts available:
- Multi-policy discount: Customers who bundle their car insurance with other insurance products, such as home insurance or renters insurance, can save money.
- Good driver discount: Customers who have a good driving record can save money on their car insurance.
- Defensive driving discount: Customers who take a defensive driving course can save money on their car insurance.
- Student discount: Customers who are full-time students and maintain good grades may be eligible for a discount.
Customer Reviews:
When it comes to customer satisfaction, both Kemper and Liberty Mutual have received mixed reviews. According to J.D. Power’s 2021 U.S. Auto Insurance Study, Kemper received a score of 825 out of 1,000 in the Southeast region, while Liberty Mutual received a score of 822 out of 1,000 in the North Central region. Both scores are slightly below the industry average.
However, it’s important to note that customer experiences can vary widely depending on the individual driver’s situation. Some drivers may have had positive experiences with Kemper or Liberty Mutual, while others may have had negative experiences. It’s a good idea to read customer reviews and get quotes from both companies to determine which one is the best fit for you.
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FAQs:
Q: What types of car insurance coverage does Kemper offer?
A: Kemper offers liability coverage, collision coverage, and comprehensive coverage. The company also offers specialized insurance policies for high-risk drivers.
Q: What types of car insurance coverage does Liberty Mutual offer?
A: Liberty Mutual offers liability coverage, collision coverage, and comprehensive coverage, as well as several optional coverage types such as rental car reimbursement and roadside assistance.
Q: What discounts are available from Kemper and Liberty Mutual?
A: Both companies offer discounts for bundling policies, good driving records, defensive driving courses, and student drivers.
Q: Where are Kemper and Liberty Mutual car insurance policies available?
A: Kemper’s car insurance policies are currently available in 26 states, while Liberty Mutual’s car insurance policies are available in all 50 states.
Q: What factors affect car insurance rates?
A: Car insurance rates can be affected by a variety of factors, including the driver’s age, driving record, location, and type of vehicle.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Melanie Musson
Published Insurance Expert
Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...
Published Insurance Expert
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.