Kemper vs Shelter Insurance Car Insurance for 2023

Car insurance is a necessary expense for anyone who owns a car, but not all car insurance companies are created equal. In this article, we will compare Kemper car insurance and Shelter car insurance companies to help you make an informed decision about which one is right for you. We will examine their history and mission, their main products and services, the cost of those services, and the states where their services are offered. Additionally, we will explore the different types of discounts available to customers and how you qualify for them. Finally, we will provide a summary of customer reviews of both companies, so you can get a sense of what it’s like to be a customer with either company.

History and Mission:

Kemper was founded in 1990 and has a mission to provide affordable insurance to as many people as possible. They offer a range of insurance products, including car insurance, home insurance, and life insurance. Shelter was founded in 1946 and has a mission to provide personalized service and quality coverage to their customers. They also offer a range of insurance products, including car insurance, home insurance, and business insurance.

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Products and Services:

Both Kemper and Shelter offer a range of car insurance products, including liability coverage, collision coverage, and comprehensive coverage. They also offer roadside assistance, rental car coverage, and uninsured/underinsured motorist coverage. The cost of these services can vary depending on factors such as your driving record, the type of car you drive, and where you live. Both companies offer online quotes so you can get an estimate of how much your insurance will cost.

 Kemper and Shelter Discounts:

One of the best ways to save money on car insurance is by taking advantage of discounts. Both Kemper and Shelter offer a variety of discounts, including safe driving, multi-policy, and good student discounts. Kemper also offers a unique “accident forgiveness” program that forgives a customer’s first accident without impacting their rates. Shelter offers a “Diminishing Deductible” program, which reduces your deductible by $100 for every year you go without a claim.

Customer Reviews:

Both Kemper and Shelter have received positive customer reviews. Customers appreciate the affordable prices and personalized service they receive from Kemper. Shelter customers appreciate the company’s commitment to quality coverage and excellent customer service.

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FAQ:

Q: How do I qualify for discounts on my car insurance?

A: You can qualify for discounts by maintaining a safe driving record, having multiple policies with the same company, or being a good student.

Q: What is “accident forgiveness” and how does it work?

A: “Accident forgiveness” is a program that forgives a customer’s first accident without impacting their rates. To qualify for this program, you usually need to have a clean driving record for a certain number of years.

Q: What is a “Diminishing Deductible” program?

A: “Diminishing Deductible” is a program that reduces your deductible by $100 for every year you go without a claim. This can help you save money on your insurance premiums over time.

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