Kemper Insurance: Millions Covered

Kemper Insurance is a national provider of auto and life insurance, with nearly $13 billion in assets. Kemper serves over 4.8 million policies and is represented by approximately 22,500 agents and brokers. The company provides insurance to individuals, families, and businesses, and is known for offering coverage to high-risk drivers, including teens, people with flawed driving records, and those with violations such as DUIs. Kemper has received mixed reviews, with an average rating of 3.6 out of 5 stars. While it has been praised for its affordable rates and wide selection for high-risk drivers, it has also faced a high number of complaints, particularly regarding poor communication and difficulties during the claims process.

Kemper's customer satisfaction ratings

Kemper Insurance has received mixed reviews from its customers. While some customers have praised the company for its affordable rates and great customer service, others have expressed dissatisfaction with its claims handling and customer support.

In terms of third-party ratings, Kemper has consistently scored poorly in J.D. Power's studies. In the 2023 J.D. Power Digital Experience Study, Kemper ranked below the industry average for shopping and did not rank for service. Additionally, in the 2022 and 2023 J.D. Power U.S. Auto Claims Satisfaction Studies, Kemper was ranked last, indicating that customers were generally less satisfied with the company's repair processes, claims servicing, and customer service during the claims process.

The National Association of Insurance Commissioners (NAIC) also reported that Kemper received more customer complaints than the national market median, with a score of 3.24 on the NAIC Complaint Index.

However, it is important to note that Kemper has received positive financial strength ratings. AM Best, a credit rating agency, gave Kemper an A- rating, indicating its strong ability to pay out claims. Similarly, A.M. Best gave Kemper a rating of A- minus, reflecting its view of Kemper as financially stable and creditworthy.

Overall, while Kemper may offer affordable rates, particularly for high-risk drivers, its customer satisfaction ratings are generally low, with many customers expressing frustration with the company's claims handling and customer service.

Kemper's insurance coverage options

Kemper is a leading insurance company that serves over 4.8 million policies and is represented by approximately 22,500 agents and brokers. They offer a range of insurance coverage options, including auto, home, and life insurance. Here is a detailed overview of Kemper's insurance coverage options:

Auto Insurance

Kemper Auto specializes in providing personal auto insurance options for individuals who may have struggled to obtain or maintain coverage in the past. They offer flexible policies and comprehensive coverage options ranging from basic to robust, allowing customers to choose a plan that suits their needs and budget.

Kemper Auto provides standard coverage options such as annual policies, which allow customers to lock in low rates for an entire year, and roadside assistance, offering 24/7 towing, jump-start, fuel delivery, lockout, and tire change services.

One of Kemper Auto's standout features is its inclusivity. They offer coverage options for individuals with suspended, revoked, or canceled driver's licenses, as well as those with international licenses, state IDs, or Matrícula Consular identification cards from Mexico.

Home Insurance

Kemper previously offered home insurance through its Kemper Personal Insurance subsidiary, which provided coverage for standard and preferred customers. However, as of August 2023, Kemper Personal Insurance is no longer offering new policies in this area.

Kemper's home insurance was underwritten by multiple companies, resulting in varying options depending on the underwriting company assigned to the policy. Their home insurance came in three packages: Prime Home Essentials, Prime Home Enhanced, and Prime Home Elite, with a range of endorsements available for additional financial protection.

Life Insurance

Kemper offers life insurance through Kemper Life, with various policy type options, including whole life, term life, guaranteed issue, and accidental and health coverage. They also provide riders to personalize life insurance policies, and there may be an option to convert a term life insurance policy to a whole life insurance policy.

In summary, Kemper provides a range of insurance coverage options, including auto, home, and life insurance. Their auto insurance is particularly notable for its inclusivity, catering to high-risk drivers and those with alternative forms of identification. However, their home insurance offerings have recently undergone changes, with Kemper Personal Insurance no longer providing new policies as of August 2023.

Kemper's insurance costs

Kemper is a legitimate insurance company that provides auto and life insurance to individuals, families, and businesses. They are known for offering insurance to high-risk drivers who may struggle to get a policy elsewhere. Kemper's auto insurance rates are generally higher than the national average. The average cost of Kemper car insurance is $88 per month for liability coverage and $175 per month for full coverage. In comparison, the national average for liability-only insurance is $104 per month, while full-coverage car insurance averages $215 per month.

Kemper's average annual auto insurance premium for full coverage is $2,662, while the national average is $2,014 per year. For minimum coverage, Kemper's average annual premium is $1,150, significantly higher than the national average of $622. It's important to note that these averages include both standard and non-standard drivers, and rates may change once preferred drivers are no longer a factor.

Kemper also offers various discounts to help customers save on their auto insurance. These include discounts for getting an advance quote, having proof of prior insurance, paying in full, having multiple cars on the policy, taking a defensive driving course, being a good student, and being an active-duty military member or homeowner. Additionally, Kemper offers bundling discounts for customers with multiple cars or those who bundle their home and auto insurance policies.

In addition to auto insurance, Kemper provides life insurance through Kemper Life, offering various policy types such as whole life, term life, guaranteed issue, and accidental and health coverage. While life insurance policies are not underwritten by Kemper, they could still be a good option for those seeking non-traditional coverage or those with a poor driving record.

Kemper's insurance discounts

Kemper is one of the leading specialized insurers in the United States, serving over 4.8 million policies. The company provides affordable and personalized auto and life insurance solutions to individuals, families, and businesses. Here is an overview of the various discounts offered by Kemper:

Kemper Auto Discounts:

Kemper offers several auto insurance discounts to help customers save on their premiums. Here are some of the notable Kemper Auto discounts:

• Kemper Co-Pilot Discount: New customers in select states, including Arizona, Georgia, Florida, and Texas, can get a discount by sharing their driving habits through the Kemper Co-Pilot mobile app.
• Advance Quote Discount: Customers who receive a quote and decide to proceed with it before the effective date mentioned in the quote may be eligible for a discount on their policy.
• Proof of Prior Insurance Discount: Kemper offers a discount to customers who can show proof of previous auto insurance coverage.
• Paid-in-Full Discount: Paying your auto insurance premium in full upfront instead of in monthly instalments can result in a discount on your insurance.
• Multi-Car Discount: If you have multiple vehicles at home, insuring them all under one policy can lead to significant savings on your premium.
• Defensive Driving Course Discount: Kemper encourages safe driving by offering a discount to customers who complete an approved defensive driving course.
• Good Student Discount: Full-time students with a GPA of 3.0 or higher are eligible for a discount on their auto insurance policy.
• Military Discount: Active-duty military personnel and National Guard members can avail of discounted rates on their car insurance through Kemper Auto.
• Homeowner Discount: If you or someone on your auto insurance policy also has a homeowner's insurance policy with the same address, you may be eligible for a discount on your auto insurance premium.

Kemper Home Insurance Discounts:

Although Kemper is no longer offering new home insurance policies, existing customers can still benefit from various discounts. Here are some of the home insurance discounts previously offered by Kemper:

• Military Discount: Military members could save on their home insurance premiums.
• Alarm System Discount: Installing an alarm system in your home could result in a discount on your Kemper home insurance.
• Safety Devices Discount: Kemper offered discounts for homes with safety devices such as smoke detectors and deadbolt locks.
• Bundled Policy Discount: Customers who had both their auto and home insurance policies with Kemper were eligible for a bundled policy discount.

Kemper's insurance complaints

Kemper Insurance is a large insurance company that serves over 4.8 million policies and is represented by approximately 22,5000 agents and brokers. While the company has received positive reviews for its range of insurance products and discounts, there are also numerous complaints from customers.

One common issue raised by customers is the delay in claims payments. Some customers have reported that Kemper failed to pay their claims on time or provide timely updates on the status of their claims. This has caused significant inconvenience and financial hardship for customers, who have had to incur additional costs while waiting for their claims to be processed.

In addition to delays, some customers have also complained about the company's poor customer service. They report that the company's representatives are often rude, unresponsive, and unhelpful in resolving their issues. Customers have also expressed frustration with the company's failure to return their calls or emails, making it difficult for them to get the assistance they need.

Another issue that has been raised by customers is the company's handling of policy cancellations. Some customers have reported that their policies were cancelled without proper notice or due to minor issues such as short payments. This has left customers feeling frustrated and stranded without the necessary insurance coverage.

Furthermore, some customers have also complained about the company's handling of repairs and settlements. They report that Kemper offers low settlements that do not adequately cover the cost of repairs. In some cases, the company has also denied claims without valid reasons, leaving customers struggling to get their vehicles or properties fixed.

Overall, while Kemper Insurance offers a range of insurance products and discounts, the company has received numerous complaints about its claims handling, customer service, and policy cancellations. These issues have caused significant inconvenience, financial hardship, and frustration for its customers.

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