Kemper Auto Insurance: Non-Standard Coverage Expanding Across the Country

AutoinsuranceEZ.com Rating: ★★★☆☆ 

Kemper is a subsidiary of the large Unitrin corporation and based out of the city of Chicago. They offer insurance policies for families, businesses, and individual who need to protect multiple pieces of property – and auto insurance is one of them. They have over 20,000 agents and 6,000 associates in multiple locations across all 50 states and Washington, D.C. Their primary focus is non-standard insurance policies for high-risk drivers who cannot find coverage with other companies.

Kemper Insurance Review

As far as the ratings go for Kemper, the outlook is mostly positive. For starters, they have an official rating of “stable” from the credit ratings agency A.M. Best. This means that, should you need to file a claim, Kemper shouldn’t have any problems paying it out. Customer reviews are mixed, but mostly on the positive side. The BBB and Credit Karma both give high customer service marks to Kemper. However, the negative reviews from Consumer Affairs and half of complaints filed against Kemper through the BBB have all occurred within the last year or so.

Ratings Agency Rating
Better Business Bureau A+
A.M. Best A-
Credit Karma 4/5 Stars
Consumer Affairs 2/5 Stars

Kemper Insurance Discounts

If you’ve been rejected by automotive insurance companies in the past, you may be in need of non-standard auto insurance. And if you qualify for one of these policies from Kemper, you should inquire about the following discounts:

Discount How to Qualify
Kemper EZPay Sign up for a monthly auto-recurring payment plan to reduce your down payment and installment fees
Paid in Full Paying off your entire auto policy in one lump sum at the beginning of each policy period
Prior Insurance Discount By keeping an auto insurance policy active
Residence Discount Own your own home or carry a renter’s insurance policy
Multi-Car Discount Having more than one vehicle covered by your auto policy

In addition, you may qualify for additional discounts that vary by state, or for discounts that are applied to standard Kemper insurance policies. A local Kemper insurance agent can help you figure out whether you qualify for any of the following:

  • Anti-lock Brakes
  • Anti-theft Devices
  • Away at School
  • Driver Training
  • Good Student
  • Operator Defensive Driving Course
  • Multi-car
  • Package Plus
  • Passive Restraint/Airbags

Kemper Auto Insurance Options

Kemper is legally obligated to offer you the minimum types and amounts of coverage that your state deems necessary in order for drivers to be on the road. Beyond that, you may be interested in the following forms of vehicle insurance from Kemper:

  • Kemper Total – pays the full cash value required to either repair or replace any brand-new leased or purchased vehicle. Includes auto loan/lease coverage and double the coverage for standard rental reimbursement
  • Auto Loan/Lease Coverage – gap coverage on vehicles that are no more than 3 model years old. Comes with a 5% increase to physical damage premiums.
  • Parked Auto – coverage for your vehicle if it is damaged while legally parked and unoccupied
  • SR-22 Coverage – for drivers who need to reinstate their insurance following a suspended, revoked, or cancelled driver’s license
  • Reconditioned Vehicle Program – coverage for salvaged vehicles which have been restored to full operation

Comparing Kemper Insurance Quotes

Because Kemper is a provider of non-standard insurance, it can be difficult to determine whether or not they are offering you a fair deal. But you can get a good idea by taking a look at the chart below:

Average Auto Insurance Quote Comparison Legend: Allstate State Farm Mercury Average Rate Illinois Average California Average Texas Average Florida Average New York Average 50 100 150 200 250 300 350 $52 $34 $89 $34 $146 $139 $88 $64 $71 $89 $260 $105 $147 $230 $353 $126 $72 $93 $231 $93

 
Granted, your rates will vary. And if you are the type of motorist who is in need of non-standard coverage, the unfortunate truth is that your rates may be a little more expensive than what you see above. But by looking at average rates for states and drivers across the country, you can get a better picture of where your monthly premiums should be.

Pros and Cons of Kemper Insurance

Pro Con
Provide non-standard coverage for high-risk drivers Standard coverage options may be limited in certain areas
Mostly positive customer service reviews Some reviews less positive than others

In recent years, Kemper has been expanding their network of independent insurance agents who are willing to sell auto policies to customers like you. If you have been having trouble finding coverage due to having a higher risk profile, you may want to contact a Kemper agent in your area. But don’t stop there – make sure you also get quotes from other insurance providers near you, non-standard and standard alike, just to make sure you’re getting the fairest price.

 

Company Headquarters
1 E Upper Wacker Dr #1000
Chicago, IL 60601
www.ekemper.com
1-312-661-4600