Kemper

Overview

Kemper Car insurance Is an insurance company that is based in Chicago, Illinois. The company offers automobile insurance through agents, in 28 total states. While it is an established insurance company, it does not have a financial strength that is as high as many of its competitors. Additionally, the claims experience that customers report is below average.

That said, Kemper Car Insurance offers some things that other insurance providers might not offer. This includes offering high-risk policies that might not be written by other car insurance companies. Because Kemper Car Insurance targets with these particular categories, Kemper coverage could be considered a good choice to some of the people who fall within them.

The Specs

Kemper Car insurance has an A+ rating with the Better Business Bureau. This is not fully representative of the customer reviews and other information that is available about the customer service of the company, however. There are few reviews, and customer service is not ranked highly using other metrics.

Kemper auto insurance has less than excellent ratings from multiple financial analysis firms. Some people may choose not to purchase a policy from this company because of these rankings. Their A.M. Best Financial Rating is bbb-, the Moody's Financial Rating is Baa3, and Standard & Poor’s give them a financial rating of BBB-. For many people, this may be enough reason to avoid purchasing a policy through this company.

Kemper Car Insurance has been around for almost 100 years, but ran into some financial difficulty and was sold to another company. Because of this, the longevity that is seen as a positive of many existing insurance companies is not entirely the case when it comes to Kemper.

Auto Insurance Coverages

Kemper Car Insurance offers a few different types of automobile insurance coverage, including bodily injury liability, property damage liability, collision insurance, comprehensive insurance, personal injury insurance, and others. The company offers the required minimum automobile insurance coverages for the states it provides services in. They offer all of the standard insurance types. Outside of the usual coverage options, Kemper Car Insurance offers many optional types of coverage. These types of coverage include vet bills, child and elderly care, trip interruption, car seats, and more.

Auto Insurance Discounts

Kemper Insurance Company offers a wide variety of standard discounts that are found in many automobile insurance companies. These include discounts like multiple vehicles, multiple policies, antitheft, full payment discounts, senior citizen discounts and more. Discounts that are available outside of the usual discounts provided by many companies include discounts on referrals from existing customers, which are given to both the new customer and the referring customer. They also offer discounts for paperless billing, newly married couples, and more. Overall, Kemper has good offerings when it comes to the discounts that are available for its customers.