Kemper Auto Insurance: Good Or Not?

Kemper Insurance is a legitimate insurance company that offers auto, home, life and health insurance. It is a good option for drivers who need non-standard auto insurance, such as those with a poor driving record or an international driver's license. However, Kemper has received poor reviews from customers, with many citing the company's poor customer service and issues with the claims process. While Kemper offers a variety of coverage options and has high ratings from A.M. Best and the Better Business Bureau, its customer satisfaction scores are low, and it has received far more complaints than expected to state regulators. Overall, Kemper may be a good choice for high-risk drivers, but its poor reviews suggest that it may not be the best option for the average driver.

Kemper's customer service

Customers have complained about the company's poor communication, claims process, and customer service. There have also been reports of delays in claims payments, with some customers stating that they never received a payout. Additionally, Kemper's mobile app has been rated poorly by consumers.

However, Kemper has been praised for its wide range of coverage options and for offering insurance to high-risk drivers who may struggle to get a policy elsewhere. The company also offers several discounts, including for early signers, good students, defensive driving, and military service.

Kemper's financial strength

Standard & Poor's, another rating agency, also rates Kemper's financial strength as "A" (Strong). Standard & Poor's Insurer Financial Strength Rating is a current opinion of the financial security characteristics of an insurance organization with respect to its ability to pay out on insurance policies and contracts in accordance with their terms.

Additionally, Moody's, a well-known credit rating agency, rates Kemper's financial strength as "A2" (Excellent). Moody’s Insurance Financial Strength Ratings are opinions of the ability of insurance companies to pay punctually policyholder claims and obligations.

These high ratings from reputable agencies indicate that Kemper has strong financial stability and is likely capable of fulfilling its financial commitments to its customers.

Kemper's insurance coverage

Kemper offers a range of insurance coverage options, including auto, home, life, health, and business insurance. Here is a detailed overview of Kemper's insurance coverage:

Kemper Auto Insurance:

Kemper is known for providing auto insurance for high-risk drivers, including those with poor credit, accidents, or violations on their record. They offer standard coverage options such as liability, comprehensive, and collision insurance. Additionally, Kemper provides add-on coverages, such as:

• New car replacement: Covers the cost of repairing or replacing a new car damaged in an accident, based on the car's replacement value.
• Gap insurance: Covers the difference between the actual cash value of the vehicle and the remaining loan or lease amount in case of a total loss.
• Enhanced coverage: Includes accident forgiveness, waiver of deductibles for parked car damage, diminishing deductibles for safe driving, and personal property coverage in case of theft.

Kemper Home Insurance:

Kemper offers standard home insurance coverage, including protection for the home, detached structures, personal property, and liability. They also provide additional coverage options:

• Contents replacement: Covers the cost of brand-new belongings, instead of depreciated value, in case of loss or damage.
• Identity fraud coverage: Reimburses certain expenses in case of identity theft.
• Water backup coverage: Covers damage associated with sewer or drain backup.
• Equipment breakdown coverage: Pays for repairs or replacement of household appliances.
• Valuable items coverage: Allows for extra insurance on specific high-value items with no deductible.
• Blanket property limit: Combines various types of property coverage into a higher limit, providing flexibility in case of a claim.

Kemper Life Insurance:

Kemper offers whole life, term life, and guaranteed issue life insurance policies. They also provide riders to personalize the life insurance plans.

Other Insurance Products:

In addition to the above, Kemper offers the following insurance products:

• Supplemental health insurance.
• Commercial auto insurance for work-related vehicles.
• Personal catastrophe liability: Provides additional protection for auto, home, or renters insurance policies.
• Personal umbrella liability.
• Commercial general liability.
• Business owners policy.

Discounts and Customer Satisfaction:

Kemper offers various discounts on auto and home insurance policies, including multi-policy, paid-in-full, good student, military, and defensive driving discounts. However, Kemper has received mixed reviews and ratings from customers. While some appreciate the low rates and coverage options, others have complained about poor customer service, delays in claims processing, and issues with communication.

Kemper's insurance discounts

Kemper offers a range of discounts to its customers, including:

• Kemper Co-Pilot: New customers in select states can get a discount for sharing their driving habits via a mobile app.
• Advance Quote Discount: If you receive a quote and decide to go ahead with it before the effective date, a discount may be applied to your policy.
• Proof of Prior Insurance Discount: If you've had auto insurance before, Kemper offers a discount on your new policy.
• Paid-in-Full Discount: If you pay your auto insurance premium upfront in full, rather than in monthly instalments, you may be eligible for a discount.
• Multi-Car Discount: If you have more than one vehicle at home, insuring them all on one policy may help you save on your premium. In some states, you can have an unlimited number of vehicles on the same policy.
• Defensive Driving Course Discount: If you take a course to learn safe driving skills, you may be eligible for a discount. Ask your independent insurance agent about qualifying courses and requirements.
• Good Student Discount: If you're a full-time student with a GPA of 3.0 or higher, you could save money on your auto insurance policy.
• Military Discount: Active-duty military personnel and National Guard members may be able to save money on their car insurance with a Kemper Auto policy.
• Homeowner Discount: If you or someone on your policy has a homeowner's insurance policy and the address matches the one on the auto policy, you may be able to save on your premium.
• Retro Loyalty: For switching to Kemper.
• Safe & Sound: For being accident-free for at least three years.
• Happily Married: For couples who are married or in another legal partnership.
• Family Discount: If you have a driver away at school, a young driver with good grades, or driver training (for young and senior drivers).
• Car Safety Features Discounts: For cars with anti-lock brakes, anti-theft devices and passive restraints/air bags.
• Multi-Policy Discounts: Multi-car discounts and home and auto insurance bundles.

Kemper's insurance bundling options

Kemper offers two bundling options for its customers. Firstly, you can save by bundling two different cars onto the same auto insurance policy. Secondly, you can also save by bundling your home and auto insurance policies.

Kemper's website does not specify how much you can save by bundling your policies, so you will need to consult with an independent agent in your area to find out.

Frequently asked questions