Kemper vs Travelers Car Insurance for 2023
Introducing a detailed analysis of two prominent car insurance providers, Kemper and Travelers, comparing crucial factors like customer satisfaction, coverage options, discounts, and claims processing efficiency.
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Adam H. Rosenblum
Principal Attorney
Adam Rosenblum is a founding attorney with over 20 years of experience. His firm, Rosenblum Law, has offices throughout New York and New Jersey. Mr. Rosenblum’s primary focus is on personal injury, criminal defense, and traffic violations. He is admitted to practice in all state and federal courts in New York and New Jersey and is a graduate of Albany Law School. Adam’s extensive experience...
Principal Attorney
UPDATED: Nov 26, 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.
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: Nov 26, 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.
On This Page
Navigating the intricacies of car insurance rates demands a keen understanding of key factors such as credit score, mileage, coverage level, and driving record. This data table serves as a valuable resource, unveiling insights into the optimal choice for different customer profiles. Whether you uphold an impeccable driving record, boast a high credit score, or prioritize specific mileage parameters, this analysis provides a concise overview, empowering you to identify the most advantageous insurance rates tailored to your individual needs.
| Factors | Kemper | Travelers |
|---|---|---|
| Clean Record | $125 | $99 |
| 1+ Ticket | $157 | $134 |
| 1+ Accident | $197 | $139 |
| DUI | $227 | $206 |
| Poor Credit | $215 | $170 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
| Discounts | Kemper | Travelers |
|---|---|---|
| Anti Theft | 6% | 23% |
| Good Student | 12% | 10% |
| Low Mileage | 9% | 5% |
| Paperless | 7% | 3% |
| Safe Driver | 16% | 15% |
| Senior Driver | 11% | 8% |
Kemper Car Insurance
Pros:
- Affordability: Kemper is known for offering affordable rates, making it an attractive option for budget-conscious customers.
- Discount Opportunities: Kemper provides various discounts, including safe driver and multi-car discounts, allowing customers to save on their premiums.
- Availability: Kemper’s car insurance services are available in multiple states across the United States, providing broad coverage.
Cons:
- Mixed Customer Reviews: Customer reviews for Kemper are mixed, with some praising affordability and others expressing concerns about slow claims processing and policy cancellation difficulties.
- Slightly Below Average Satisfaction: According to J.D. Power’s 2021 U.S. Auto Insurance Study, Kemper’s overall satisfaction score is slightly below the industry average.
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Travelers Car Insurance
Pros:
- Customer Satisfaction: Travelers receives generally positive reviews for excellent customer service, fast claims processing, and a wide range of coverage options.
- Discount Options: Travelers offers various discounts, including safe driver discounts, contributing to potential savings for customers.
- Established History: With a founding year of 1864, Travelers has a long-established history, instilling confidence in its stability.
Cons:
- Premium Cost: While offering comprehensive coverage, Travelers may have higher premium costs compared to some other providers.
- Case-Specific: Some customers may find that the best choice between Kemper and Travelers depends on individual circumstances, such as the type of coverage needed.
Best Car Insurance Provider Travelers
After a comprehensive analysis of Kemper and Travelers car insurance, Travelers emerges as the preferred choice. Here’s why:
Customer Satisfaction: Travelers consistently receives positive reviews for excellent customer service, fast claims processing, and a diverse range of coverage options. The J.D. Power’s 2021 U.S. Auto Insurance Study affirms Travelers’ higher satisfaction score of 871 out of 1000, surpassing Kemper.
Comprehensive Coverage: Travelers offers a wide range of coverage options, including uninsured motorist protection and comprehensive collision coverage. This ensures that customers like Linda, who prioritize comprehensive coverage, find suitable options for their needs.
Discount Opportunities: While both companies provide various discounts, Travelers’ combination of discounts, such as safe driver discounts, contributes to potential savings for customers. The case study involving Mark, a budget-conscious driver, emphasizes the appeal of Travelers’ discount offerings.
Claims Processing Efficiency: Travelers outperforms Kemper in customer feedback regarding claims handling, evident in the higher satisfaction score. Efficient claims processing is crucial in providing quick resolutions to customers, enhancing their overall experience.
When considering factors such as customer satisfaction, coverage options, discount opportunities, and claims processing efficiency, Travelers stands out as the best overall car insurance provider.
Kemper
Kemper, founded in 1947 and headquartered in Chicago, Illinois, boasts a rich history of over seven decades in the insurance industry. The company’s mission centers around helping customers protect their assets and build wealth through a variety of insurance products.
Kemper focuses on providing affordable insurance to individuals who may encounter challenges obtaining coverage from other insurers. With a motto of “Protection for what matters most,” Kemper has established itself as a reliable and accessible insurance option for customers across the United States.
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Travelers
Founded in 1864 and headquartered in New York City, Travelers has a venerable history spanning more than 150 years. The company’s mission revolves around assisting individuals and businesses in managing risk and recovering from unexpected events. Travelers is dedicated to providing personalized insurance solutions tailored to meet the unique needs of each customer.
With a motto of “Insurance that fits your life,” Travelers has become a trusted and established presence in the insurance industry, offering a wide range of coverage options and serving customers nationwide.
Products and Services Offered, Cost, and States Where Services are Offered
Both Kemper and Travelers offer a range of car insurance products and services across multiple states in the United States.
Kemper:
- Car Insurance Services: Available in numerous states across the US, including Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Mississippi, Missouri, Nebraska, Nevada, New Jersey, New Mexico, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin, and Wyoming.
- Cost: Known for affordability, catering to individuals who might face challenges obtaining coverage from other insurers.
- Discounts Offered: Safe driver discount, multi-car discount, multi-policy discount, anti-theft device discount, among others.
Travelers:
- Car Insurance Services: Offered nationwide across the United States.
- Coverage Options: They provide liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage.
- Cost: While comprehensive, their premium costs might be higher compared to some other providers.
- Discounts Offered: Safe driver discount, multi-car discount, multi-policy discount, and also a specific discount for hybrid/electric vehicle owners.
Different Types of Discounts Available to Customers
Kemper offers a range of discounts to customers, including:
- Safe driver discount: If you have a clean driving record for a certain number of years, you may qualify for a safe driver discount.
- Multi-car discount: If you insure multiple cars with Kemper, you may qualify for a multi-car discount.
- Multi-policy discount: If you have more than one insurance policy with Kemper (such as auto and home insurance), you may qualify for a multi-policy discount.
- Anti-theft device discount: If your car has an anti-theft device installed, you may qualify for an anti-theft device discount.
To qualify for these discounts, you will need to meet certain criteria. For example, to qualify for the safe driver discount, you will need to have a clean driving record for at least three years.
Travelers offers a range of discounts to customers, including:
- Safe driver discount: If you have a clean driving record for a certain number of years, you may qualify for a safe driver discount.
- Multi-car discount: If you insure multiple cars with Travelers, you may qualify for a multi-car discount.
- Multi-policy discount: If you have more than one insurance policy with Travelers (such as auto and home insurance), you may qualify for a multi-policy discount.
- Hybrid/electric vehicle discount: If you own a hybrid or electric vehicle, you may qualify for a discount.
To qualify for these discounts, you will need to meet certain criteria. For example, to qualify for the safe driver discount, you will need to have a clean driving record for at least three years.
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Case Studies: Kemper vs. Travelers Car Insurance
Case Study 1: The Teenage Driver
John, a concerned parent, had to add his teenage son to his car insurance policy. After researching various options, he decided to go with Kemper due to their reputation for providing affordable coverage for young drivers.
This case study delves into John’s experience with Kemper’s rates and how it compared to what he might have received with Travelers for adding a teenage driver.
Case Study 2: The Comprehensive Coverage
Linda, a driver who values comprehensive coverage, chose Travelers car insurance for their wide range of coverage options, including uninsured motorist protection and comprehensive collision coverage. She believed that Travelers’ comprehensive policies would provide her with greater protection on the road.
This case study explores Linda’s experience with Travelers’ coverage options and how it compared to what she might have received with Kemper.
Case Study 3: The Discount Opportunities
Mark, a budget-conscious driver, was searching for car insurance that offered various discount opportunities. After comparing multiple providers, he selected Kemper because of the numerous discounts they offered, such as safe driver discounts and multi-car discounts.
This case study delves into Mark’s decision-making process and evaluates whether the discounts at Kemper resulted in significant savings compared to Travelers.
Case Study 4: The Roadside Assistance
Emma, a frequent traveler, opted for Travelers over Kemper because of their comprehensive roadside assistance coverage. As someone who frequently drove long distances, Emma valued the added security of having reliable roadside support.
This case study examines Emma’s experience with Travelers’ roadside assistance and how it compared to what she might have received with Kemper.
Case Study 5: The Claims Handling
Sarah, a cautious driver, had heard positive feedback about both Kemper and Travelers regarding their claims handling. After experiencing a minor accident, she had the opportunity to assess how each company managed the claims process.
This case study delves into Sarah’s experience with filing a claim with both companies and evaluates the efficiency and customer support provided by Kemper and Travelers.
Overview of Kemper vs. Travelers Claims Process
Ease of Filing a Claim
Both Kemper and Travelers provide convenient options for filing claims, including online platforms, phone assistance, and mobile apps. Customers can choose the method that suits them best, ensuring a hassle-free claims experience.
Average Claim Processing Time
The average claim processing time is crucial for customers seeking quick resolutions. While specific data is not provided, both companies prioritize efficient claims handling, aiming to minimize processing time and swiftly assist customers in their time of need.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback plays a pivotal role in assessing an insurance company’s performance. According to J.D. Power’s 2021 U.S. Auto Insurance Study, Kemper received an overall satisfaction score of 830 out of 1000, slightly below the industry average.
Travelers, on the other hand, received a higher score of 871 out of 1000, indicating a higher level of customer satisfaction. It’s essential to consider customer opinions when evaluating claim resolutions and payouts.
Unleashing Innovation With Kemper vs. Travelers Digital and Technological Features
Mobile App Features and Functionality
Both Kemper and Travelers offer mobile apps equipped with features that enhance user experience. These apps allow customers to manage policies, file claims, and access important information on the go. The apps are designed for ease of use, ensuring customers can navigate through various services seamlessly.
Online Account Management Capabilities
Online account management is a fundamental aspect of modern insurance services. Customers of Kemper and Travelers can manage their policies, view documents, and update information through user-friendly online portals. These platforms provide a centralized hub for policy-related activities, enhancing customer convenience.
Digital Tools and Resources
In addition to mobile apps and online account management, both companies offer digital tools and resources to educate customers. These resources may include blogs, articles, calculators, and FAQs, empowering customers with knowledge about insurance-related topics. These tools contribute to an informed customer base, enabling individuals to make well-informed decisions regarding their insurance needs.
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Customer Reviews of the Company
Kemper:
Kemper has received mixed reviews from customers. Some customers have praised the company’s affordable rates and excellent customer service, while others have criticized the company for slow claims processing and difficulty cancelling policies. According to J.D. Power’s 2021 U.S. Auto Insurance Study, Kemper received an overall satisfaction score of 830 out of 1000, which is slightly below the industry average.
Travelers:
Travelers has received generally positive reviews from customers. Customers have praised the company for its excellent customer service, fast claims processing, and wide range of coverage options. According to J.D. Power’s 2021 U.S. Auto Insurance Study, Travelers received an overall satisfaction score of 871 out of 1000, which is above the industry average.
Frequently Asked Questions
Are roadside assistance services available as an add-on to their auto insurance policies?
Yes, both Kemper and Travelers offer roadside assistance as an add-on to their respective auto insurance policies.
What types of discounts are offered to customers by each company?
Kemper provides a range of discounts, including safe driver discounts and multi-car discounts. Similarly, Travelers offers discounts like safe driver discounts, both requiring customers to meet specific criteria for eligibility.
Can I get a quote online for car insurance?
Yes, both Kemper and Travelers allow customers to obtain online quotes by visiting their respective websites and entering their zip codes.
What states do Kemper’s car insurance services cover?
Kemper’s car insurance services are available in multiple states across the United States, including Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Mississippi, Missouri, Nebraska, Nevada, New Jersey, New Mexico, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin, and Wyoming.
How do Kemper and Travelers prioritize claims processing efficiency?
Both Kemper and Travelers prioritize efficient claims processing, providing convenient options for filing claims, including online platforms, phone assistance, and mobile apps. While specific processing times are not provided, both companies aim to minimize delays and swiftly assist customers in their time of need.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Adam H. Rosenblum
Principal Attorney
Adam Rosenblum is a founding attorney with over 20 years of experience. His firm, Rosenblum Law, has offices throughout New York and New Jersey. Mr. Rosenblum’s primary focus is on personal injury, criminal defense, and traffic violations. He is admitted to practice in all state and federal courts in New York and New Jersey and is a graduate of Albany Law School. Adam’s extensive experience...
Principal Attorney
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.