Kemper vs Sentry Insurance Car Insurance for 2023
In the ever-evolving landscape of car insurance, the rivalry between Kemper and Sentry Insurance takes center stage as we delve into a meticulous analysis of their offerings, ranging from coverage plans to customer satisfaction, providing a comprehensive comparison to guide your insurance decisions.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
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
| Factors | Kemper | Sentry |
|---|---|---|
| Clean Record | $125 | $85 |
| 1+ Ticket | $157 | $110 |
| 1+ Accident | $197 | $130 |
| DUI | $227 | $150 |
| Poor Credit | $215 | $146 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
| Discounts | Kemper | Sentry |
|---|---|---|
| Anti Theft | 6% | 7% |
| Good Student | 12% | 10% |
| Low Mileage | 9% | 9% |
| Paperless | 7% | 4% |
| Safe Driver | 16% | 12% |
| Senior Driver | 11% | 9% |
Kemper Car Insurance
Pros:
- Affordability: Kemper Insurance offers slightly lower premiums on average compared to Sentry Insurance.
- Additional Services: Provides services such as rental car reimbursement, roadside assistance, and custom equipment coverage.
- Coverage Options: Offers insurance for classic cars and collector vehicles.
Cons:
- Mixed Customer Reviews: Customer reviews are mixed, with complaints about high premiums and customer service.
- Limited State Coverage: Operates in 24 states, which may limit accessibility for customers in certain regions.
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Sentry Insurance Car Insurance
Pros:
- Established History: Founded in 1904, Sentry Insurance is one of the largest mutual insurance companies in the US.
- Comprehensive Coverage: Offers liability, collision, and comprehensive coverage across all 50 states.
- Positive Customer Reviews: Generally positive customer reviews, with praise for reliable coverage and customer service.
Cons:
- Higher Premiums: On average, premiums are slightly higher compared to Kemper Insurance.
- Mixed Customer Reviews: Some customers criticize high premiums and a complicated claims process.
- Limited Additional Services: Offers fewer additional services compared to Kemper, such as roadside assistance and rental car reimbursement.
Best Overall: Sentry Insurance
When comparing Kemper Insurance and Sentry Insurance based on rates and offerings, Sentry Insurance emerges as the superior choice for several compelling reasons.
Competitive Rates: While Kemper Insurance boasts slightly lower average premiums, Sentry Insurance’s rates are competitive, considering the extensive coverage it provides across all 50 states. The slight difference in premiums is outweighed by the broader accessibility and comprehensive protection offered by Sentry Insurance.
Nationwide Coverage: Sentry Insurance’s nationwide coverage is a significant advantage over Kemper’s limited state presence. For individuals seeking reliable coverage, especially those who frequently travel or relocate, Sentry Insurance’s ability to cater to customers across the entire country is a valuable feature that Kemper cannot match.
Customer Satisfaction: Despite some mixed reviews, Sentry Insurance tends to receive more positive feedback regarding customer service and claims processing compared to Kemper Insurance. The overall satisfaction of customers with Sentry Insurance contributes to its reliability and trustworthiness.
Additional Services and Discounts: While Kemper Insurance offers commendable additional services like rental car reimbursement and roadside assistance, Sentry Insurance provides a range of discounts for safe driving courses and bundling with other insurance products. These incentives enhance the overall value proposition for customers.
History and Mission
Kemper Insurance was founded in 1926 as Unitrin and rebranded as Kemper in 2011. The company’s mission is to provide affordable car insurance to customers with a range of products and services that meet their unique needs. Kemper offers liability, collision, and comprehensive coverage across 24 states, including Alabama, California, and Florida.
Sentry Insurance was founded in 1904 and has since grown to become one of the largest mutual insurance companies in the US. Sentry’s mission is to provide high-quality, personalized insurance coverage to customers across the country. Sentry offers liability, collision, and comprehensive coverage across all 50 states.
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Products and Services
Kemper Insurance offers a range of car insurance products and services, including liability, collision, and comprehensive coverage. The cost of these services varies depending on the state you live in and the coverage you need. Kemper also offers rental car reimbursement, roadside assistance, and custom equipment coverage. In addition, Kemper provides insurance for classic cars and collector vehicles.
Sentry Insurance offers liability, collision, and comprehensive coverage, as well as uninsured motorist coverage and personal injury protection. Sentry’s coverage options vary depending on the state you live in, with additional services such as rental car reimbursement and roadside assistance available in certain states. Sentry also offers insurance for classic cars and collector vehicles.
Cost
The cost of car insurance from Kemper and Sentry Insurance varies depending on a range of factors, including your age, driving record, and the type of coverage you need. On average, Kemper Insurance premiums are slightly lower than Sentry Insurance premiums. However, it’s important to note that the cost of car insurance can vary significantly depending on the state you live in and the coverage you need.
Discounts Available to Customer
Both Kemper and Sentry Insurance offer a range of discounts to customers, including safe driving discounts, multiple car discounts, and discounts for paying your premium in full. Kemper also offers discounts for installing safety devices in your car and completing a defensive driving course.
Sentry Insurance provides discounts for completing a safe driving course and bundling your car insurance with other insurance products, such as home insurance.
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Case Studies: Kemper vs. Sentry Insurance Car Insurance
Case Study 1: John’s Experience With Kemper Insurance
John, a resident of California, recently purchased car insurance from Kemper Insurance. He opted for liability, collision, and comprehensive coverage to ensure he has comprehensive protection. The cost of his policy was competitive, considering his age and driving record.
Kemper Insurance also offered additional services such as rental car reimbursement and roadside assistance, which were beneficial to John. Overall, he found Kemper Insurance’s coverage options suitable for his needs and appreciated their customer service.
Case Study 2: Sarah’s Experience With Sentry Insurance
Sarah, a driver from Florida, decided to go with Sentry Insurance for her car insurance needs. She opted for liability, collision, and comprehensive coverage, along with uninsured motorist coverage and personal injury protection. Sentry Insurance’s coverage options aligned with her state’s requirements and provided comprehensive protection.
Sarah also took advantage of Sentry Insurance’s discounts for completing a safe driving course and bundling her car insurance with her home insurance. She found Sentry Insurance’s customer service to be reliable and was satisfied with their claims process.
Case Study 3: Mark’s Comparison of Kemper Insurance and Sentry Insurance
Mark, a budget-conscious driver from Alabama, wanted to compare car insurance options between Kemper Insurance and Sentry Insurance. After obtaining quotes from both companies, he found that Kemper Insurance offered slightly lower premiums compared to Sentry Insurance. However, Mark considered other factors such as coverage options, discounts, and customer reviews.
He noticed that Kemper Insurance had mixed customer reviews, with some complaints about high premiums and customer service. On the other hand, Sentry Insurance had generally positive customer reviews, with customers praising their reliable coverage and customer service. Taking all these factors into account, Mark ultimately chose Sentry Insurance for its overall reputation and customer satisfaction.
Overview of Kemper vs. Sentry Insurance Claims Process
Ease of Filing a Claim
Both Kemper and Sentry Insurance offer multiple avenues for filing claims, including online platforms, phone services, and mobile apps. Customers can conveniently report incidents and initiate the claims process using these user-friendly methods.
Average Claim Processing Time
The average claim processing time varies for Kemper and Sentry Insurance and can depend on the complexity of the claim. Customers may experience differing timelines based on the nature of their claims, but both companies aim to handle claims efficiently to provide timely resolutions.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback regarding claim resolutions and payouts is essential in evaluating an insurance provider’s reliability. Reviews suggest that both Kemper and Sentry Insurance have received mixed feedback.
Some customers appreciate their seamless claims process and satisfactory payouts, while others express concerns about delays and disputes. It’s crucial for potential policyholders to consider these factors when making a decision.
Exploring Digital and Technological Innovations of Kemper vs. Sentry Insurance
Mobile App Features and Functionality
Kemper and Sentry Insurance offer mobile apps equipped with various features to enhance customer experience. These apps often include options for policy management, claims tracking, and instant support services. Customers can easily access their policy information and communicate with the insurers through these intuitive applications.
Online Account Management Capabilities
Both insurers provide robust online account management capabilities, allowing policyholders to view and update their policy details, make payments, and track their claim statuses. The online portals offer a convenient way for customers to manage their policies and access essential information from the comfort of their homes.
Digital Tools and Resources
Kemper and Sentry Insurance offer digital tools and resources to assist customers in understanding their insurance coverage better. These resources may include educational articles, FAQs, and interactive tools that help policyholders make informed decisions. Providing valuable digital resources demonstrates the insurers’ commitment to customer education and satisfaction.
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Customer Reviews
Customer reviews of Kemper and Sentry Insurance are mixed. Kemper has a rating of 2.5 out of 5 on Trustpilot, with customers citing poor customer service and high premiums as their main complaints. However, some customers praise Kemper for its easy-to-use online portal and fast claims processing.
Sentry Insurance has a rating of 3.9 out of 5 on Trustpilot, with customers praising the company’s customer service and reliable coverage. However, some customers criticize Sentry for its high premiums and complicated claims process.
Frequently Asked Questions
What is the Kemper vs. Sentry Insurance Car Insurance legal dispute?
Kemper filed a lawsuit against Sentry Insurance, accusing them of unfair business practices and deceptive marketing tactics.
What is Kemper’s claim against Sentry Insurance?
Kemper claims that Sentry Insurance misled policyholders about their coverage and used unfair pricing practices to gain an unfair advantage in the market.
What is the current status of the legal dispute between Kemper and Sentry Insurance?
The case is ongoing, with both companies presenting evidence and arguments in court. It is unclear when a final ruling will be made.
Will policyholders be affected by this legal dispute?
It is possible that policyholders may be affected by the outcome of this case, as it could impact industry standards and consumer protections. However, it is too soon to tell what the specific effects may be.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
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.