Kemper vs State Auto Car Insurance for 2023

Finding the optimal balance between coverage and cost is paramount. Our analysis of Kemper and State Auto Car Insurance reveals a nuanced interplay of factors influencing rates, from credit scores and mileage to coverage levels and driving records. For those with stellar credit and a clean driving history, Kemper emerges as the frontrunner, offering competitive rates that reflect their commitment to affordability. Meanwhile, State Auto Car Insurance proves advantageous for those with lower credit scores, providing a favorable pricing structure. This data-driven exploration unveils the tailored approaches of these insurers, guiding readers toward informed decisions based on their unique profiles.

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

Kemper Car Insurance

Pros:

• Established History: Founded in 1912, Kemper has a long history in the insurance industry.
• Focus on Non-Standard Auto Insurance: Kemper specializes in providing coverage for high-risk drivers who may face difficulties with traditional providers.
• Wide Range of Products: Offers a variety of car insurance products, including non-standard auto insurance, classic car insurance, and coverage for recreational vehicles.
• Online Claim Filing: Provides convenient options for filing claims online through the website or mobile app.
• Presence in Multiple States: Operates in 28 states, offering coverage to a broad customer base.

Cons:

• Mixed Customer Reviews: Customer feedback is mixed, with some praising affordability and service, while others complain about claims experiences.

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State Auto Car Insurance

Pros:

• Coverage Options: State Auto offers a variety of coverage options to cater to different needs.
• Discount Programs: They provide various discounts, such as safe driver discounts and multi-policy discounts, potentially reducing premiums.
• Financial Strength: The company has a solid financial standing, indicating a level of stability and reliability.
• Online Services: State Auto offers convenient online services for policy management, claims, and customer support.

Cons:

• Limited Availability: State Auto’s coverage may not be available in all states, limiting accessibility for some customers.
• Premium Costs: While discounts are available, some customers may find the premium costs comparatively higher than other providers.
• Customer Service: Customer reviews suggest that the quality of customer service can be inconsistent.

Best Overall Kemper Car Insurance

In the comprehensive comparison between Kemper and State Auto car insurance, one company emerges as the standout choice when considering various factors such as coverage options, pricing, discounts, and customer reviews.

Extensive Coverage Options: Kemper provides a wide range of coverage options, including liability, collision, and comprehensive coverage. This allows customers to tailor their policies to suit their individual needs.

Competitive Pricing and Discounts: Kemper offers competitive pricing, and the company provides a variety of discounts to help customers save on their car insurance premiums. This includes multi-car discounts, safe driver discounts, and more.

Positive Customer Reviews: While both companies receive positive customer reviews, Kemper’s 4.1 out of 5-star rating on Trustpilot reflects high levels of customer satisfaction. Customers particularly appreciate Kemper’s helpful customer service and affordable rates.

Roadside Assistance Inclusion: Kemper’s car insurance policies include roadside assistance, providing an added layer of convenience and assistance during emergencies.

Availability in Over 40 States: Kemper operates in over 40 states, offering widespread coverage and accessibility to a large customer base.

In the comparison of Kemper and State Auto car insurance, Kemper takes the lead as the best overall choice. Its combination of extensive coverage options, competitive pricing, positive customer reviews, and nationwide availability positions it as a reliable and customer-focused car insurance provider.

Kemper

Founded in 1912, Kemper has a rich history spanning over a century in the insurance industry. Originally established to cater to non-standard auto insurance needs, Kemper has grown into a well-established provider offering a variety of insurance products.

The company’s mission is to provide affordable insurance solutions, particularly focusing on individuals who may face challenges obtaining coverage from traditional providers due to factors like a poor driving record or low credit score. Kemper operates in over 40 states, making its services widely accessible.

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State Auto

State Auto Car Insurance, with roots dating back to its establishment in 1921, boasts a century-long history of providing insurance products to customers. The company was founded with a commitment to delivering affordable, quality insurance while maintaining a strong emphasis on customer service and satisfaction.

State Auto Car Insurance offers a range of coverage options, including liability, collision, and comprehensive coverage, along with various discounts to enhance affordability. With a presence in 33 states, State Auto Car Insurance combines its longstanding history with a commitment to meeting the evolving needs of its policyholders.

Products and Services

Kemper offers a range of car insurance products, including liability, collision, and comprehensive coverage, as well as a range of discounts to help you save money on your policy. Kemper’s car insurance policies also include roadside assistance, which can be a lifesaver if you ever find yourself stranded on the side of the road. Kemper’s car insurance policies are available in over 40 states, including California, Florida, and Texas.

State Auto Car Insurance also offers a range of car insurance products, including liability, collision, and comprehensive coverage, as well as a range of discounts to help you save money on your policy. State Auto Car Insurance’s car insurance policies also include roadside assistance, and they are available in 33 states, including Ohio, Indiana, and Kentucky.

Cost and Availability

The cost of car insurance policies from Kemper and State Auto Car Insurance will vary depending on several factors, including your driving history, the type of vehicle you drive, and the level of coverage you choose. Both companies offer online quotes to help you get an idea of how much your policy will cost, and both companies also offer a range of discounts to help you save money on your policy.

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Kemper and State Discounts

Both Kemper and State Auto Car Insurance offer a range of discounts to help you save money on your car insurance policy. Some of the discounts available from Kemper include multi-car discounts, safe driver discounts, and discounts for taking a defensive driving course.

Some of the discounts available from State Auto Car Insurance include good student discounts, accident-free discounts, and discounts for paying your premium in full.

Case Studies: Kemper vs. State Auto Car Insurance

Case Study 1: John’s Experience With Kemper Car Insurance

John, a 35-year-old driver from California, recently purchased car insurance from Kemper. He opted for comprehensive coverage and added liability and collision coverage to ensure maximum protection for his vehicle. Kemper’s competitive pricing and extensive range of coverage options appealed to John, who was looking for a reliable and affordable car insurance policy.

Additionally, Kemper’s roadside assistance feature came in handy when John experienced a flat tire and needed immediate help. Overall, John is satisfied with Kemper’s customer service and the peace of mind that his policy provides.

Case Study 2: Sarah’s Experience With State Auto Car Insurance

Sarah, a 28-year-old driver from Ohio, decided to go with State Auto Car Insurance for her car insurance needs. She compared quotes from multiple providers and found State Auto Car Insurance to offer the best value for her budget. Sarah appreciated the variety of coverage options available, including liability, collision, and comprehensive coverage.

As a student, she also took advantage of State Auto Car Insurance’s good student discount, which helped lower her premium. In terms of customer service, Sarah found the claims process to be straightforward and experienced excellent support from the State Auto Car Insurance team.

Case Study 3: David’s Comparison of Kemper and State Auto Car Insurance

David, a 45-year-old driver from Texas, conducted a thorough comparison of Kemper and State Auto Car Insurance before making his decision. He requested quotes from both companies, considering factors such as coverage options and pricing. After careful evaluation, David chose Kemper due to its extensive coverage options, including liability, collision, and comprehensive coverage.

Kemper’s discounts, such as the safe driver discount, also played a significant role in his decision. Although State Auto Car Insurance offered competitive rates, David found that Kemper provided a more tailored policy to suit his needs.

Navigating Kemper vs. State Auto Claims Process

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Both Kemper and State Auto Car Insurance offer convenient ways to file a claim. Customers can file claims online through their respective websites or mobile apps, providing a hassle-free and user-friendly experience. Additionally, claims can also be filed over the phone for those who prefer a more traditional approach.

Average Claim Processing Time

The average claim processing time for both Kemper and State Auto Car Insurance varies depending on the complexity of the claim and other factors. However, both companies strive to process claims efficiently to provide prompt assistance to their customers. It’s essential to contact the respective insurance provider to inquire about specific claim processing times.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback on claim resolutions and payouts for both Kemper and State Auto Car Insurance has been generally positive. Many customers have reported satisfaction with the way their claims were handled and the fairness of the payouts. Both companies emphasize excellent customer service and aim to address their customers’ needs during the claims process.

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Unveiling Digital and Technological Innovations of Kemper vs. State Auto

Mobile App Features and Functionality

Both Kemper and State Auto Car Insurance offer mobile apps with a range of features and functionalities. These apps allow customers to manage their policies, make payments, view policy documents, and even file claims conveniently from their mobile devices. The apps are designed to provide a seamless and user-friendly experience for policyholders.

Online Account Management Capabilities

Policyholders of Kemper and State Auto Car Insurance can easily manage their accounts online through their respective websites. They can access policy information, update personal details, make payments, and review coverage options. The online account management systems are designed to provide customers with quick and efficient self-service options.

Digital Tools and Resources

Both insurance providers offer a variety of digital tools and resources to assist their customers. These may include online calculators to estimate premiums, informative articles and guides on car insurance topics, and access to customer support through chat or email. These digital resources aim to empower customers with the knowledge and tools they need to make informed decisions about their insurance coverage.

Customer Reviews

Both Kemper and State Auto Car Insurance have received positive customer reviews. On Trustpilot, Kemper has a 4.1 out of 5-star rating, with customers praising the company’s helpful customer service and affordable rates. State Auto Car Insurance has a slightly higher rating of 4.5 out of 5 stars on the same platform, with customers highlighting the company’s easy claims process and excellent customer service.

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