Kemper Car Insurance Review

Since its founding in 1926, Kemper Car Insurance has maintained an exceptionally high quality of customer service, reliability and integrity. Even though Unitrin bought the company in 2002, Kemper was able to keep its name and still upholds the same values as it did when it first started.

Variety of Products

Similar to other auto insurance companies, Kemper Car Insurance provides both full and liability coverage to its customers. If a policyholder would rather purchase an umbrella policy than buy separate home, personal, medical, life and car insurance, Kemper offers this option as well.

However, if a customer believes that policy flexibility and car insurance coverage tailored specifically to fit individual needs are important, Kemper Car Insurance may not be best insurance company.

People who come to the United States from other countries often have difficulty finding insurance policies if the American driver’s license is not held for a certain period of time. If an insurance company does issue a policy under these conditions, the rate is typically astronomical and unaffordable. Kemper, however, helps insure those who may not have other options.

Numerous Discount Programs

Kemper Car Insurance takes pride in their ability to provide the most competitive rates to their policyholders. Discounts are available by the dozen, including rate reductions for multiple cars, successfully completing a driver training class, maintaining a safe driving record, and even for college students who continually achieve high academic grades. If security and safety devices are either factory-installed or self-installed in the vehicle such as anti-lock brakes, anti-theft devices, automatic seatbelts, alarms or airbags, customers can also expect to receive a generous discount on their policies.

Exceptional Customer Service

Kemper Car Insurance strives to provide its customers with the highest level of customer service around. One of the few companies that still maintains this drive for customer satisfaction, Kemper enlists agents 24 hours a day to answer questions from both potential and current policyholders. These efficient and knowledgeable agents are also available to process car insurance claims at any time.

When Hurricane Katrina hit the Gulf Coast in 2005, Kemper was one of the first and few insurance companies to respond immediately—a true testament to the efficiency and dedication of this company.

Kemper has invested time and money into developing and using various online technologies to assist in quick and efficient processing of claims and payments, reviewing of policies and accounts, and tracking claims. Not only does this technology ensure that Kemper stays organized, but it is also faster and more convenient for their customers. Along with adopting a new online system, Kemper has also increased its efforts to become a greener company, allowing policyholders to opt for paperless billing. With the customer’s consent, Kemper will withdraw each payment on the same day every month so the customer needn’t worry about forgetting to mail the payment.

Stable and Strong

A.M. Best Company, reviewer of financial strength ratings and data products, consistently rates Kemper Car Insurance with a A-rating, reinforcing the company’s dependability and stability. While Kemper has a sturdy financial background, some consumers are weary concerning the company’s tendency to be acquired easily from bigger businesses.

They worry that Kemper will one day be under control of an irresponsible and unreliable insurance company. Changes in management, discounts, policy coverage and, most importantly, rates, are valid reasons for customers to be concerned. Regardless, Kemper still investigates and processes claims quickly and on time—a feat that has evaded some other insurance companies.

Although Kemper is a well-recognized and well-rated insurance company, it is still imperative to compare its services and policies with other companies before a final decision is made.

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