Kemper Auto Insurance offers cheap, customized auto and life insurance for individuals, families, and companies. Kemper Vehicle specializes in personal vehicle insurance for those who have had trouble getting or keeping it.
In this article, we will explore what Kemper Auto Insurance offers, its pros and cons, pricing and financial stability, and customer satisfaction.
What Is Kemper Auto Insurance?
Kemper Auto Insurance is a part of Kemper Corporation, a diversified insurance holding company that operates in the property and casualty, life and health, and reinsurance markets. Kemper Auto offers comprehensive coverage for drivers who need auto insurance, regardless of their driving history, credit score, or vehicle type.
Comprehensive Coverage
Kemper Auto provides coverage for bodily injury liability, property damage liability, medical payments, uninsured/underinsured motorist, collision, comprehensive, rental reimbursement, roadside assistance, and personal injury protection. Kemper Auto also offers optional coverages such as gap insurance, custom equipment coverage, diminished value coverage, and accident forgiveness.
Factors Influencing Rates
Kemper Auto determines the rates for its auto insurance policies based on various factors such as the driver’s age, gender, marital status, driving record, credit history, vehicle make and model, annual mileage, location, and coverage limits and deductibles. Kemper Auto also offers discounts for multiple vehicles, homeownership, good student, defensive driving course completion, anti-theft devices, low mileage, and loyalty.
Coverage Options Offered
Kemper Auto offers three standard coverage options to fit different needs and budgets: Basic Coverage, Enhanced Coverage, and Premium Coverage. Basic Coverage is the most affordable option that meets the state minimum requirements for liability insurance. Enhanced Coverage is a more comprehensive option that includes collision and comprehensive coverage as well as rental reimbursement and roadside assistance. Premium Coverage is the most robust option that includes all the coverages of Enhanced Coverage plus gap insurance, custom equipment coverage, diminished value coverage, and accident forgiveness.
Kemper Auto Insurance Pros and Cons
Kemper Auto Insurance has some advantages and disadvantages that customers should consider before choosing it as their auto insurance provider. Here are some of the pros and cons of Kemper Auto Insurance:
Pros Explained
- Kemper Auto Insurance is a good option for drivers who have a poor driving record or credit history or who own high-risk vehicles. Kemper Auto accepts drivers with multiple accidents, violations, or claims on their record as well as drivers with low credit scores or bankruptcy history. Kemper Auto also insures vehicles that are older than 25 years or have custom modifications.
- Kemper Auto Insurance offers flexible payment options and plans for customers who need more convenience and affordability. Customers can choose from various payment methods such as online payment, automatic payment, phone payment, mail payment, or agent payment. Customers can also choose from different payment plans such as monthly installments or pay-in-full.
- Kemper Auto Insurance provides online tools and resources for customers who want to manage their policies and claims easily and efficiently. Customers can access their policy information, make payments, view billing history, request policy changes, print ID cards, report claims, track claim status, find repair shops, and contact customer service through the Kemper Online portal or the Kemper Mobile app.
Cons Explained
- Kemper Auto Insurance has higher rates than some of its competitors for drivers who have a good driving record or credit history or who own low-risk vehicles. Kemper Auto’s rates may not be competitive for drivers who qualify for standard or preferred rates from other insurers. Kemper Auto’s rates may also vary significantly depending on the state where the customer lives.
- Kemper Auto Insurance has lower customer satisfaction ratings than some of its competitors for its claims handling and customer service. According to the J.D. Power 2021 U.S. Auto Claims Satisfaction Study, Kemper ranked 22nd out of 24 insurers with a score of 824 out of 1000 points. According to the J.D. Power 2021 U.S. Insurance Shopping Study, Kemper ranked 18th out of 21 insurers with a score of 807 out of 1000 points.
- Kemper Auto Insurance has a higher complaint index than some of its competitors for its auto insurance products. According to the National Association of Insurance Commissioners (NAIC) 2020 Complaint Index, Kemper had a complaint index of 2.06 for its private passenger auto insurance products. This means that Kemper received more complaints than expected based on its market share.
Kemper Auto Insurance Pricing and Financial Stability
Kemper Auto Insurance’s pricing and financial stability are two important factors that customers should consider when choosing an auto insurance provider. Here are some details about Kemper’s pricing and financial stability:
Pricing Information
The average annual premium for Kemper Auto Insurance is $1,872, according to The Zebra, an online insurance comparison platform. However, the actual premium that a customer pays may vary depending on their personal and vehicle information, coverage options, discounts, and location. Customers can get a free quote from Kemper online or by calling 1-800-463-4648.
Financial Stability of Kemper
Kemper Corporation, the parent company of Kemper Auto Insurance, has a strong financial position and outlook. Kemper Corporation has an A.M. Best Financial Strength Rating of A- (Excellent), which indicates that it has a strong ability to meet its ongoing insurance obligations. Kemper Corporation also has a Standard & Poor’s Credit Rating of BBB+, which indicates that it has a good capacity to meet its financial commitments.
Kemper Auto Insurance Customer Satisfaction
Kemper Auto Insurance’s customer satisfaction is another important factor that customers should consider when choosing an auto insurance provider. Here are some details about Kemper’s customer satisfaction:
Customer Satisfaction Ratings
Kemper Auto Insurance has received mixed customer satisfaction ratings from various sources. Here are some of the ratings that Kemper has received:
- J.D. Power 2021 U.S. Auto Claims Satisfaction Study: 824/1000 points (22nd out of 24 insurers)
- J.D. Power 2021 U.S. Insurance Shopping Study: 807/1000 points (18th out of 21 insurers)
- Consumer Reports 2020 Auto Insurance Ratings: 74/100 points (19th out of 27 insurers)
- Better Business Bureau (BBB) Rating: A+ (Accredited)
Complaint Index
Kemper Auto Insurance has received a higher-than-average number of complaints from its customers for its auto insurance products. According to the NAIC 2020 Complaint Index, Kemper had a complaint index of 2.06 for its private passenger auto insurance products. This means that Kemper received more complaints than expected based on its market share. The industry average complaint index is 1.00.
Account Management and Customer Service
Kemper Auto Insurance provides online account management and customer service for its customers. Customers can access their policy information, make payments, view billing history, request policy changes, print ID cards, report claims, track claim status, find repair shops, and contact customer service through the Kemper Online portal or the Kemper Mobile app. Customers can also contact Kemper by phone at 1-866-860-9348 or by mail at P.O. Box 2855, Clinton, IA 52733.
