kemper preferred auto insurance
Kemper Preferred Auto Insurance is a significant offering from Kemper Corporation, a well-established player in the insurance market. Despite recent changes, such as exiting the preferred home and auto insurance market, Kemper Auto remains a viable option for those seeking reliable coverage.
The company’s decision to exit certain markets hasn’t impacted its auto insurance services, ensuring customers continue to receive quality coverage. Understanding the nuances of Kemper’s current offerings is crucial for potential customers.
Key Takeaways
- Kemper Corporation has exited the preferred home and auto insurance market.
- Kemper Auto remains unaffected and continues to offer services.
- Understanding Kemper’s current auto insurance offerings is essential.
- Kemper Preferred Auto Insurance provides reliable coverage options.
- The company’s changes do not impact its auto insurance services
- kemper preferred auto insurance
What Is Kemper Preferred Auto Insurance
Kemper Preferred Auto Insurance has been a quiet challenger to major American car insurance brands, with over 30 years of presence in the market. Headquartered in Chicago, Kemper has established a strong reputation for providing comprehensive auto insurance solutions to drivers across the United States.
The History and Background of Kemper Insurance Company
Kemper Insurance Company has a rich history dating back to its founding. Over the years, the company has evolved to become a significant player in the American insurance market. Kemper’s commitment to customer satisfaction and its ability to adapt to changing market conditions have been key factors in its success.
Kemper has been headquartered in Chicago for over 30 years, providing a stable presence in the insurance industry. This stability has allowed Kemper to build strong relationships with its customers and agents, further solidifying its position in the market.
Kemper’s Position in the American Insurance Market
Kemper Preferred Auto Insurance operates in a competitive landscape, offering a range of coverage options that cater to the diverse needs of American drivers. The company’s comprehensive coverage options and commitment to customer service have earned it a loyal customer base.
| Insurance Provider | Coverage Options | Customer Satisfaction |
|---|---|---|
| Kemper | Liability, Collision, Comprehensive | High |
| Major National Insurers | Liability, Collision, Comprehensive | Variable |
| Regional Insurance Providers | Liability, Collision | Variable |
Kemper’s position in the American insurance market is characterized by its ability to offer personalized service and tailored insurance solutions. By understanding the needs of its customers, Kemper continues to evolve and improve its offerings, maintaining its competitive edge.
Comprehensive Coverage Options from Kemper
Kemper Preferred Auto Insurance offers a range of coverage options to protect you on the road. Understanding these options is crucial to making informed decisions about your auto insurance policy.
Liability Coverage Details
Kemper’s liability coverage is designed to protect you financially if you’re responsible for an accident. This coverage includes both bodily injury and property damage liability, ensuring that you’re covered in case of medical expenses or vehicle repairs for other parties involved.
Key aspects of Kemper’s liability coverage include:
- Coverage for bodily injury to others
- Coverage for property damage to others’ vehicles or property
- Legal defense costs in case of a lawsuit
Collision and Comprehensive Protection
Kemper offers both collision and comprehensive coverage to protect your vehicle. Collision coverage pays for damages to your vehicle in the event of an accident, regardless of fault. Comprehensive coverage, on the other hand, covers damages not related to an accident, such as theft, vandalism, or natural disasters.
Uninsured/Underinsured Motorist Coverage
Kemper’s uninsured/underinsured motorist coverage protects you if you’re involved in an accident with someone who doesn’t have insurance or doesn’t have enough insurance to cover the damages. This coverage ensures that you’re not left with significant out-of-pocket expenses.
Personal Injury Protection
Personal Injury Protection (PIP) coverage from Kemper helps pay for medical expenses for you and your passengers, regardless of who’s at fault in an accident. This coverage can also include lost wages and other related expenses.
Benefits of Kemper’s PIP coverage include:
- Medical expense coverage
- Lost wage compensation
- Coverage for other related expenses
By offering a comprehensive range of coverage options, Kemper Preferred Auto Insurance provides policyholders with the flexibility to tailor their insurance policies to their specific needs.
Additional Protection and Endorsements
Enhance your Kemper auto insurance policy with additional protection features designed to give you peace of mind on the road. These endorsements can be tailored to fit your specific needs, providing extra layers of protection against various risks.
Rental Car Reimbursement
If your vehicle is in the shop due to a covered claim, Rental Car Reimbursement can help cover the cost of a rental car. This endorsement ensures that you can maintain your daily routine without interruption.
Gap Insurance Options
Gap insurance is designed to cover the difference between the actual cash value of your vehicle and the amount you owe on your car loan or lease if your vehicle is totaled. This can be a valuable addition to your policy, especially for those with newer vehicles.
Custom Equipment Coverage
If you’ve made modifications to your vehicle, such as adding custom parts or equipment, Custom Equipment Coverage can help protect your investment. This endorsement is particularly useful for vehicle owners who have upgraded their cars with aftermarket accessories.
Emergency Roadside Service
Kemper offers Emergency Roadside Service as part of its additional protection options. This includes 24/7 towing, jump starts, fuel delivery, lockout services, and tire change assistance, ensuring that help is always available when you need it most.
By considering these additional protection and endorsements, you can create a Kemper Preferred Auto Insurance policy that is tailored to your specific needs, providing comprehensive coverage and peace of mind.
Benefits of Kemper Preferred Auto Insurance
The benefits of Kemper Preferred Auto Insurance are designed to provide peace of mind and financial protection for drivers. With a range of coverage options and support services, Kemper aims to be a reliable partner for its policyholders.
24/7 Claims Support and Customer Service
Kemper offers 24/7 claims support, ensuring that policyholders can report claims and receive assistance at any time. This around-the-clock service is complemented by a dedicated customer service team that is available to answer questions and provide support.
SR-22 Filing Capabilities
For drivers who require SR-22 filing, Kemper provides this service, helping high-risk drivers meet their state’s insurance requirements. This capability is particularly beneficial for those who have been involved in accidents or have received certain traffic violations.
Accident Forgiveness Program
Kemper’s Accident Forgiveness Program is designed to help policyholders avoid rate increases after an at-fault accident. This program can provide significant savings and peace of mind for drivers.
Diminishing Deductible Feature
The Diminishing Deductible feature rewards policyholders for safe driving by reducing their deductible over time. This feature can lead to substantial cost savings for drivers who avoid claims.
Here’s a summary of the key benefits offered by Kemper Preferred Auto Insurance:
| Benefit | Description |
|---|---|
| 24/7 Claims Support | Assistance available at all times for reporting claims |
| SR-22 Filing | Service provided for high-risk drivers requiring SR-22 filing |
| Accident Forgiveness | Program to avoid rate increases after an at-fault accident |
| Diminishing Deductible | Feature that reduces deductible over time for safe drivers |
Kemper Auto Insurance Discounts and Savings
Kemper understands the importance of affordability, which is why they offer a range of discounts on their auto insurance policies. By providing various incentives, Kemper helps policyholders save money on their premiums, making their auto insurance more manageable.
Multi-Policy and Multi-Vehicle Discounts
One of the ways Kemper encourages customers to bundle their insurance needs is through multi-policy discounts. By combining auto insurance with other policies like home or life insurance, customers can enjoy significant savings. Additionally, insuring multiple vehicles under the same policy can lead to multi-vehicle discounts, further reducing the overall cost.
Safe Driver and Good Student Incentives
Kemper rewards safe driving habits with discounts for drivers who have a clean driving record. Moreover, students who excel academically can benefit from good student discounts, recognizing their hard work and responsible behavior.
| Discount Type | Description | Potential Savings |
|---|---|---|
| Multi-Policy | Bundle auto with home or life insurance | Up to 15% |
| Multi-Vehicle | Insure multiple vehicles under one policy | Up to 10% |
| Safe Driver | Maintain a clean driving record | Up to 20% |
Vehicle Safety Feature Discounts
Vehicles equipped with advanced safety features such as anti-lock brakes, airbags, or anti-theft systems may qualify for additional discounts. Kemper acknowledges the reduced risk associated with these features, passing the savings on to their customers.
Payment and Loyalty Discounts
Kemper also offers discounts for customers who choose to pay their premiums in full upfront or enroll in automatic payment plans. Long-term customers can benefit from loyalty discounts, rewarding their continued business with Kemper.
By taking advantage of these discounts, Kemper policyholders can significantly reduce their auto insurance costs. It’s advisable to consult with a Kemper agent to determine the specific discounts you may be eligible for.
The Kemper Claims Process Explained
Filing a claim with Kemper insurance company is a straightforward process that can be completed online or over the phone. Kemper Preferred Auto Insurance is committed to making the claims process as smooth as possible for its policyholders.
How to File a Claim
Kemper offers two convenient methods for filing a claim: online and by phone. Both methods are designed to be quick and efficient.
Online Claim Filing Steps
- Log in to your Kemper account on their official website.
- Navigate to the claims section and fill out the required information.
- Upload any necessary documents or photos.
- Submit your claim.
Phone Claim Reporting Process
To file a claim by phone, simply call Kemper’s claims hotline. A representative will guide you through the process, asking for necessary details about the incident.
What to Expect After Filing a Claim
After filing a claim with Kemper auto insurance, you can expect a thorough investigation and a fair settlement process.
Claim Investigation Timeline
Kemper typically begins investigating a claim immediately. The duration of the investigation can vary depending on the complexity of the claim.
Settlement and Repair Options
Once the investigation is complete, Kemper will work with you to determine the best settlement or repair options for your vehicle.
Kemper’s Digital Tools and Customer Resources
Kemper’s commitment to innovation is evident in their digital tools and customer resources, designed to make managing your auto insurance easier and more efficient.
Mobile App Features and Functionality
Kemper’s mobile app allows customers to manage their insurance policies on the go. While some users have reported mixed experiences due to bugs and crashes, the app generally offers a range of useful features. These include the ability to file claims, view policy documents, and access ID cards digitally. The app is available for both iOS and Android devices, ensuring that most smartphone users can take advantage of its functionality.
Online Account Management Options
For those who prefer managing their insurance online, Kemper offers a comprehensive online account management system. This platform allows customers to view and manage their policies, make payments, and access important documents.
Bill Payment and Policy Management
Customers can easily pay their bills online and manage their policy details through Kemper’s secure online portal. This includes updating personal information, viewing policy documents, and checking the status of claims.
Document Access and ID Cards
Kemper’s online system also provides easy access to important documents, such as insurance ID cards and policy declarations. This ensures that customers have the necessary information at their fingertips whenever they need it.
| Feature | Mobile App | Online Account |
|---|---|---|
| Bill Payment | Available | Available |
| Policy Management | Limited | Comprehensive |
| ID Card Access | Available | Available |
| Claim Filing | Available | Available |
Comparing Kemper to Other Auto Insurance Providers
In the quest for the best auto insurance, comparing Kemper to major national and regional insurers is a crucial step. This comparison helps in understanding where Kemper stands in terms of coverage, pricing, and service.
Kemper vs. Major National Insurers
Kemper Preferred Auto Insurance is often compared to major national insurers like State Farm and Allstate. The comparison typically revolves around coverage options and pricing.
Coverage Comparison
Kemper offers comprehensive coverage options, including liability, collision, and comprehensive protection. Major national insurers also offer similar coverage options, but the specifics can vary.
Price Comparison
Kemper’s auto insurance premiums average around $2,279 annually for full coverage, which is below the national average. A detailed price comparison with major national insurers is essential to determine the most affordable auto insurance.
| Insurer | Average Annual Premium | Coverage Details |
|---|---|---|
| Kemper | $2,279 | Full Coverage |
| State Farm | $2,500 | Full Coverage |
| Allstate | $2,600 | Full Coverage |
Kemper vs. Regional Insurance Providers
Kemper also competes with regional insurance providers, where service area and customer service become significant factors.
Service Area Differences
Kemper operates in multiple states, offering a broad service area. Regional providers, however, may offer more localized service.
Customer Service Comparison
Kemper is known for its 24/7 claims support and customer service. Regional providers may offer more personalized service, but Kemper’s extensive support is a significant advantage.
Eligibility for Kemper Preferred Auto Insurance
Kemper Preferred Auto Insurance has specific eligibility criteria that potential policyholders must meet. Understanding these requirements is essential to determine whether you qualify for their auto insurance policies.
Driver Qualification Requirements
To be eligible for Kemper Preferred Auto Insurance, drivers must meet certain qualification requirements. These include having a valid driver’s license and a clean driving record. Kemper now focuses exclusively on non-standard insurance for high-risk individuals, which means they cater to drivers who may have had accidents or violations in the past.
The company evaluates drivers based on their risk profile, considering factors such as age, driving history, and credit score. Drivers with a history of safe driving habits and those who have completed defensive driving courses may be viewed more favorably.
Vehicle Eligibility Criteria
The type of vehicle you own also plays a significant role in determining eligibility for Kemper Preferred Auto Insurance. Generally, Kemper insures a wide range of vehicles, including cars, trucks, and SUVs.
Vehicles must be in good condition and meet certain safety standards. The following table outlines the basic vehicle eligibility criteria:
| Vehicle Type | Eligibility Criteria |
|---|---|
| Cars | Model year 2006 or newer, with no major modifications |
| Trucks | Gross vehicle weight rating (GVWR) under 10,000 lbs. |
| SUVs | Model year 2008 or newer, with a clean title |
By understanding the driver qualification requirements and vehicle eligibility criteria, you can determine whether Kemper Preferred Auto Insurance is the right choice for you.
How to Get a Kemper Insurance Quote
The process of getting a Kemper insurance quote is designed to be user-friendly, whether you prefer online or offline methods. Kemper Preferred Auto Insurance understands the importance of flexibility and convenience in today’s fast-paced world.
Online Quote Process Step-by-Step
To obtain a Kemper insurance quote online, start by visiting the Kemper website. Click on the “Get a Quote” button and enter your zip code. You will be prompted to provide some basic information about yourself and your vehicle. Once you’ve filled out the required details, you’ll receive a quote based on your input. Be prepared to provide details such as your driving history and vehicle make.
Working with Local Kemper Agents
If you prefer a more personalized experience, consider working with a local Kemper agent. These agents are knowledgeable about Kemper’s products and can provide tailored advice based on your specific needs. To find a local agent, visit the Kemper website and use their agent locator tool. You can then contact the agent directly to discuss your insurance needs and receive a quote.
| Quote Method | Benefits |
|---|---|
| Online Quote | Quick, 24/7 availability |
| Local Agent | Personalized service, expert advice |
Understanding Kemper Auto Insurance Rates
Understanding the factors that influence Kemper auto insurance rates can help drivers make informed decisions about their coverage. Kemper insurance rates vary based on the driver’s profile, with high-risk drivers potentially facing higher premiums. By grasping these factors, policyholders can take steps to manage their insurance costs effectively.
Factors That Affect Your Premium
Several elements contribute to the calculation of your Kemper auto insurance premium. These include your driving history, the type of vehicle you own, and where you live.
Driver History Considerations
Your driving record plays a significant role in determining your insurance rates. A clean driving history with no accidents or tickets can lead to lower premiums. Conversely, a history of claims or violations may result in higher rates.
Vehicle and Location Factors
The type of vehicle you drive and your location also impact your insurance costs. Luxury or high-performance vehicles typically cost more to insure, while living in areas with high crime rates or prone to natural disasters can also increase premiums.
Strategies for Lowering Your Rates
There are several strategies that can help lower your Kemper auto insurance rates. These include taking advantage of discounts, improving your driving habits, and adjusting your policy details.
For instance, Kemper offers various discounts for things like safe driving habits, bundling policies, and vehicle safety features. By exploring these options, you can potentially reduce your insurance costs without sacrificing coverage.
Conclusion: Is Kemper Preferred Auto Insurance Right for You?
Kemper Preferred Auto Insurance is a viable option for drivers seeking competitive rates, particularly those considered high-risk. With strong financial strength ratings, Kemper provides a reliable choice for individuals looking for comprehensive coverage.
When evaluating Kemper Preferred Auto Insurance, consider your driving history and specific needs. If you’re a high-risk driver or seeking customizable coverage options, Kemper may be an ideal choice. Their range of discounts, including multi-policy and safe driver incentives, can help lower your premiums.
To determine if Kemper is the best fit, review their coverage options, discounts, and customer resources. Reading Kemper insurance reviews and comparing quotes from multiple providers can also help you make an informed decision. Ultimately, Kemper Preferred Auto Insurance is worth considering if you’re seeking a balance between affordability and comprehensive protection.
By weighing the benefits and features of Kemper Preferred Auto Insurance, you can decide if it’s the best auto insurance for your situation.
