Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Aug 12, 2021

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Key takeaways...

  • Established in 1926, Kemper Insurance remains one of the most successful insurance companies in the United States
  • Kemper Car Insurance has many discount options that are meant to bring down the cost of auto cover
  • Policyholders can purchase full and third party cover like is the case with most auto insurers
  • The phone agents are very dedicated and promptly answer questions about the company. Moreover, the company also processes claims 24 hours a day

The Kemper Corporation has been operational for over eight decades and has scaled various heights over the years. Today, the auto insurance company has different coverage options for drivers all across the country.

Read this Kemper car insurance review and then be sure that you enter your zip above to compare rate quotes from many different car insurance companies!

What is the history of the Kemper Corporation?

Established in 1926, Kemper Insurance remains one of the most successful insurance companies in the United States.

Although the company has been acquired by other bigger insurance companies over the years, the quality of the service provided has remained high and this explains why many clients prefer Kemper.

In 2002, Unitrin acquired Kemper Insurance although the company did not change its name.

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What Kemper car insurance products are available?

Kemper provides standard car insurance products. Policyholders can purchase full and third party coverage, as is the case with most auto insurers.

Coverages offered by Kemper include:

  • Liability coverage
  • GAP insurance
  •  Personal injury protection
  • Rental car reimbursement
  • Roadside assistance

Those who would like a bundled insurance package, for example, one that includes a health insurance policy, auto policy, and home or renters insurance policy, for instance, can apply for one from the company.

However, the biggest downside of these insurance plans is the lack of flexibility. Customers who are looking for a more personalized solution for their insurance policies may not have their needs addresses by Kemper.

What auto insurance discounts are offered by Kemper auto insurance?

One of the major things that most people looking for auto insurance consider is the rate.

Kemper Car Insurance has many discount options that are meant to bring down the cost of auto cover. Clients qualify for a variety of discounts, including:

  • If their car is fitted with safety devices such as anti-theft locks, instant-brakes, alarms, airbags, and passive restraint systems.
  • If they purchase plans from the company for different cars they have.
  • College students get discounts if they maintain high grades in school.
  • Drivers with a clean driving past also get discounts.
  • Customers who take a defensive driving or other driver training course are entitled to a discount

Kemper also offers an accident forgiveness option.

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What do you need to know about Kemper Car Insurance customer service?

Kemper Car Insurance is renowned for its efficient customer care service.

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– Dedicated Customer Service Personnel

The phone agents are very dedicated and promptly answer questions about the company. Moreover, the company also processes claims 24 hours a day. You can find more information about Kemper claims here.

The efficiency of the customer care department of the company was well brought out in 2005 during the Katrina devastation.

The company was one of the few insurance companies that responded fast.

However, customer complaints on the internet revolve around a lack of efficiency and customer service with the claims process.

J.D. Power echoes the concerns of these customers. Kemper ranked in last place in the California region on J.D. Power’s 2020 U.S. Auto Insurance study.

– Efficient Online Processing System

Kemper also has a simple yet efficient online system in place where claims and payments are processed. Clients can also track their claims and review their accounts through the system.

– Going Green

The company is also implementing green strategies in its operations. One of these is giving customers the option to receive paperless bills.

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Financial Background of Kemper Car Insurance

Kemper has consistently gotten an A-rating from AM Best and other insurance rating companies.

The company has had a stable financial base over the years and is known to carry out investigations fast and process claims in time.

Concerns about Kemper Car Insurance

However, despite the strong financial base of the company, the frequent acquisitions it has gone through make some people worried.

Whenever a company is bought by another, people worry about changes in management or policies that may affect them negatively.

Overall, Kemper Car Insurance is a stable company with a highly efficient customer care service department.

However, it does not offer tailor-made solutions and this locks out many prospective clients from purchasing their services.

Don’t miss out on the free quote tool below! Enter your zip code and compare rates for the top insurance carriers in your area for FREE now!

References:

  1. https://www.kemper.com/wps/portal/KemperDirect/Home/AboutKemper#.WvMDJ4jwa00
  2. https://www.kemper.com/wps/portal/KemperDirect/Home/InsuranceOptions/Auto/Auto%20Discounts/!ut/p/b1/hZFJcqNAFETP4gNgilHUElwCgwABxbwhEEgMAsQgoxKntxzRq45w999lRm7e-3RKx3Q65GtT5ffmNuTdT07FTPMUABVGBlrIqEBHLg5ZXmIBBHREx0bygIi3KlVGGa5LTe7CW-F7JPdHwHxxwlmdcupDkTKHyst5uJ7ahpnkSBjXMVqg4hxrsztE_sdhxQhLq4wPMHApt4F2PWWO9ayTAyl8dj7WklGuRvBY-OxBoZCz7Gq4pNFjTs9jONi6wZXHYdhKKCFdmcupsCFppB2zuz9fIMkLBPxyMvgfp0Gnzal_fxT9O3jfAY5ld7zISzwnihykwzZhIVr0x163LzUO2rUgC1aBK7Pr2E35pzbiC6Ci5q5B5-PaLKaZdjgTqspZGrc5d10uMmXPH4aAUUQ_5nsj6P3BPhXWBHTNmve3lWzFeh1wjIzeTZ5F_SwdzUtQFVPnqS5h3–bGF2ENm0MzdaWqD8olUqGMlHcvJtJpX_FZyscMUXULfH0hduPF7YlnAA8mOQX5MwnXv4KutJ2395ef03_UqI64kvJca8zvMUAmfsz-IfS5DXY_S6Vo306BnyG2-eob9fNazfveEeYsfYVYQLGwpsZ2MH1uZQ_HdhAG5pWIBH_Siy_TYhlm04ZeoEioxQK3om2P2_9mR771RRW7PRr9fYNJnBSjA!!/dl4/d5/L2dBISEvZ0FBIS9nQSEh/#.WvMDcojwa00
  3. https://www.kemper.com/wps/portal/KemperDirect/Home/InsuranceOptions/auto/lp_auto/!ut/p/b1/hZFJkptAFETPogPQVDEUsGSWaECAmDcEGkBilMRQwOkte-dF27n7ERn5X0aSKRmTaZfPjzIfH32XN7_vFGW6JwFBgiLQQ6iBg-KeQorhKSAAMiLj_WW01eFQKqpyB5xUq22J1tGoRmnYu2jt7-7mEtm03YTsgd3-3aB9JSaz1BD4Zd6C1hG3FvR8JIM5rKP5KU3W8hp0Ou54iYZxZdQNoodn0UnW4DYWquMr1dRydJ7ZSWSKVO3fm61GjjlIRNEwBLvJ2kPc7T7wyQce_CAR_K-bQaaPc_uFL-0X-EIczQmARxTLQV4QmE_z9E_AP_KTj4H7-QNN-mQMmOxUrc_DVm9eBTC0AmaxN3WFSmiPvu_ZQb2exiP0zQRAP1hOSgCsSjvaygGPtu9cQy-QRIUrPP78NzEHaIriGMTwDI0QLZBhdQHcZymsqLEH87IOa7jfsCHrdbos1klxlmeKL910ipT-dUXj1h2FiYftpUzU8zeESbBeTdxg39di11ZXMWDr1BhwL2fp0RjOzlvPEdaL7uBBeXjfRPU4PaBJxZYnH90lf4uSPnnZPevGwdHyNCqu5nfUBwKkdd1c3eD1nFTTZDXHqCQuGzaGmBER2JWZ6zP-LGrv-_ZGPtvZZA0e8nS5-wXexrPu/dl4/d5/L2dBISEvZ0FBIS9nQSEh/#.WvMC0Ijwa00
  4. https://www.kemper.com/wps/portal/KemperDirect/Home/InsuranceOptions/Auto/Auto%20Coverage/!ut/p/b1/hZHHsqJQAES_xQ9ALkHCknBRomTEDUUQlCSihMvXj1M1q6l6M73rqt6c0_gVv-DXPp0fVfp5PPu0_d2vTHJ0RcCLhACOIaEAVXa8kKQ5EvAAj_CLFqNVfquVIojJGkfurBW6mBdHBbMr6sguN52MFaF2yhGzjOHGHiJJekSGwTpkvUi3ucvfvKLHHSeexrBbmnIKouC1SHeGbG2AUZ_TeZWWCcYHaHPEJsOeV5bcjo8x0M8oKswHCgGqCiyzQbv2ff9C7YvOwlKNZ-kld9Wy231B4i8I-CEC-B-nhl8fWbdf8m4P9iygSJKlGZqjKYaheDysY5L_OligapV3L6jnfH1LYgYX5cUMt1asEm2b2lXDkrSptPs1M6cogdAgiCMsmud4CYbhInJpRxtengirDsj8Pg5VT7ZwbZ-NMp1HnyWotkJZo8NaxexoDSepqBMt3G4nHjpkQfuJrpquunzCByRcUxgAuwnGB75K05UR8JU0KJ8BxzldNCJnMlxsND07Ge96RXHvgxNghhKY30-vf-lQbOar4wxVgjYJIFB_Bv_QGX8H7M9CKdzHL4BOvBoN6tZsbr15yJTzxfQFBAKA3kEdWkGDLF60vIZeiQas3mapJiDOPkSkZZV2EbqBKMj93aU83Do9uxs-dLNxmD27m6vdL88RR5Q!/dl4/d5/L2dBISEvZ0FBIS9nQSEh/
  5. https://www.ekemper.com/claims/claimstandards.shtml
  6. https://www.kemper.com/wps/portal/KemperDirect/Home/InformationCenter/FAQS/lp_faqs?contentIDR=bad72889-f57a-49c1-9628-73a23b6dfbc9&useDefaultText=1&useDefaultDesc=0#.WvMDlojwa00