Is Kemper Good for Car Insurance?

Last Updated on October 2, 2020

kemper auto insurance reviewThere are so many options available when it comes to choosing a car insurance company, and it can be very difficult to determine which one is going to be best for your needs. Kemper is an insurance corporation that houses several different insurance companies, including Kemper Preferred, Kemper Direct, and Kemper Specialty. Kemper is licensed to sell insurance in all 50 states, and they offer specialty policies in California. You may be considering using Kemper for your auto insurance. Here’s what you need to know about Kemper’s insurance policies before you buy.

Kemper Preferred

If you’re considering purchasing car insurance through Kemper, chances are you’re looking at Kemper Preferred. Kemper Preferred policies need to be purchased through a certified insurance agent. To find your nearest Kemper insurance agent, check their website. Kemper Preferred offers the widest range of discounts and coverage options for the average driver.

Kemper Direct

If you’re interested in purchasing your auto insurance policy online, you may want to look at Kemper Direct. Kemper Direct offers convenient policies that can only be purchased online, not through an agent. However, there aren’t as many coverage options available through Kemper Direct, and if you have a poor driving record or any other factors that might affect your rates, you may not qualify for online coverage.

Kemper Specialty

Kemper Specialty coverage is only available in California. This is only available through specific Kemper insurance agents. These coverage options are for people who may not otherwise be able to find reliable insurance options, such as people who are considered high-risk drivers or people who drive rare vehicles.

Benefits of Kemper

There are many benefits to using Kemper as your insurance company. Where Kemper really stands out is the policies that they offer to teen drivers and their families. Most other insurance companies charge very high premiums for teen drivers because they are statistically more likely to get into an accident. However, this can make it very difficult for families with teenagers to find affordable policies. Kemper fills this void by offering affordable policies for families and offering discount options specifically targeted to them that can help you save even more. For example, teenagers can earn discounts by getting good grades in school and going to college. Drivers can also earn discounts by taking safety classes. Kemper also offers multi-policy discounts, so you can save even more money if you have multiple cars on the same policy, or if you bundle your car insurance with home insurance or any of the other insurance types that Kemper offers. Kemper has a strong financial strength rating of A- from AM Best, which means that they are financially stable enough to pay out claims even if they were to encounter economic difficulties.

Kemper insurance policies are only available through an agent. This could be considered a downside for some people, but there are some advantages to working with an agent. When you shop with an agent, you get a more personalized experience. They will help you compare different policy options and find the lowest price for your needs, which can be difficult to do on your own. They can also answer any questions you may have about car insurance to make the process feel less stressful.

Disadvantages of Kemper

Of course, there are also some disadvantages to using Kemper as your insurance company. One of the biggest disadvantages is that they are generally more expensive than other insurance companies. While they offer affordable policies for families if you are single or part of a couple without kids, you can expect to pay more with Kemper than you would with other insurance policies. However, it’s important to remember that quotes vary for every driver.

The other downside to using Kemper is that they get poor customer service reviews. Since Kemper is available mainly through independent agents, you can expect your customer service to vary depending on who your agent is. They receive more complaints than your average car insurance company and have a reputation for making very delayed payments. There have also been complaints of lower settlement amounts than expected for people who do make claims.

Kemper Policies

Kemper offers a few different types of auto insurance policies. Of course, they offer the standard liability coverage that is required by law. However, if you want more extensive coverage, they do have plenty of other options. The most extensive coverage option they have is their Kemper Total policy, which is similar to traditional comprehensive coverage. This policy will cover you if your car is damaged by a natural disaster, collision, or most other incidents. This coverage is only available for brand new vehicles and will cover either the cost of purchasing a new vehicle or the cost of repairing your car – whichever is less.

Kemper also offers gap insurance, which covers the difference if your leased car is damaged and has a very low cash value. It will pay the difference between your cash value and the amount left on your lease, so you won’t owe your lender any money for a car you can’t drive. Kemper also has an ‘enhanced coverage’ package, which pays for personal property protection, key replacement, and trip interruption expenses. This package also waives your first minor accident, waives your deductible for a parked car collision, and lowers your deductible over time if you drive safely.

Is Kemper Worth It?

When compared to other car insurance companies, Kemper is about average, with some areas where they really fall short. If you have an agent in your area, it’s worth getting a quote from them just to see how their coverage stacks up with your other options. It’s very important to be aware of their customer service complaints and make sure you feel comfortable with your agent before getting a policy. However, if you have a teen driver, they are probably going to be one of your most affordable options, and it’s worth seeking out coverage from Kemper. They really specialize in this area and provide a reliable option for families who might otherwise struggle to find coverage.

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