Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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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

UPDATED: Sep 14, 2020

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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

Kemper has been operational for over 8 decades and has scaled various heights over the years. Today, the car 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!

Table of Contents

Background of the Kemper Car Insurance Company

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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Kemper Car Insurance Products

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

Those who would like a bundled insurance package, for example, one that includes medical, life, home and personal insurance 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 may not have their needs addresses by Kemper.

Discounts Offered on 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 different discounts in the following instances:

  • If their car is fitted with safety devices such as anti-theft locks, instant-brakes, alarms, airbags and automatic seatbelts.
  • 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.

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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.

– 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. http://www.kemper.com/wps/portal/KemperDirect/Home/AboutKemper#.WvMDJ4jwa00
  2. http://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. http://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. http://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. http://www.kemper.com/wps/portal/KemperDirect/Home/InformationCenter/FAQS/lp_faqs?contentIDR=bad72889-f57a-49c1-9628-73a23b6dfbc9&useDefaultText=1&useDefaultDesc=0#.WvMDlojwa00