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Kemper

in Auto Insurance

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Kemper

Unaffiliated

in Auto Insurance

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Overview

Where does Kemper do business?

Kemper is an insurance carrier based in Chicago, IL. The company was founded in 1990 and offers auto insurance in 26 states in the USA.

What types of auto insurance coverage does Kemper offer?

Although we often talk about auto insurance in the singular, it really includes several types of coverage. Kemper offers the following types of auto insurance coverage:

  • Bodily Injury Coverage: This insurance pays for your legal defense and for the costs associated with injuries to other people involved in an accident. 

  • Property Damage Coverage: Usually, this insurance will look after the property damage you cause to another vehicle or property when at fault in an accident.

  • Uninsured Motorist Coverage: The uninsured motorist rider covers the damages caused by a negligent driver who doesn't have an insurance policy.

  • Underinsured Motorist Coverage: This covers the damages caused by a driver who is at-fault but whose liability limits don't cover all the property damages and medical expenses of the accident.

  • Collision Coverage: Collision coverage is an optional policy that pays for the cost of repairing or replacing your vehicle after an accident. If you have an auto lease, the lender may require you buy collision insurance.

  •  Comprehensive Coverage:If your vehicle is damaged in an event other than a collision, comprehensive coverage will pay for the cost of the repair. Covered events include storms, floods, fire, vandalism, and theft.

  • Medical Payments Coverage: Medical payments insurance covers for the medical costs caused by an accident regardless of who is at fault. Most policies will also cover funeral expenses.

  • Personal Injury Protection: Personal injury protection, also known as PIP, typically covers medical expenses, loss of essential services, funeral services, and loss of income. It is similar to medical payments coverage, or MedPay for short. The difference is that MedPay will only cover for reasonable medical expenses.

Kemper customers can also add the following riders or endorsements to their policies:

  • Accident Forgiveness: This auto insurance rider helps you avoid a rate increase after the first accident where you are at fault. Some carriers pass on this benefit to other drivers on your policy, such as your teenage children. Check with Kemper to see if this rider is available in your area as it is not available in all states.

  • Travel Expenses / Trip Interruption Coverage: This coverage helps pay for non-refundable expenses if your trip is delayed or canceled due to an accident, mechanical breakdown, theft, injury, unexpected illness, or some other covered event.

  • Rental Car Coverage: Rental car coverage, also known as rental car reimbursement, pays for the cost of a car rental if you can't drive your vehicle because of a covered loss, such as a car accident, theft, or vandalism.

  • Emergency Roadside Service: Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.

What benefits does Kemper offer?

Kemper offers the following benefits to its customers:

  • 24/7 Phone Availability: Customer service is staffed around the clock.

  • Local Agents: Perfect for people who prefer the personal touch of a local insurance agent.

  • Digital Claims Reporting: Never fax or mail a document again.

  • Mechanical / Auto Body Repair Network: Enjoy the competitive prices and peace of mind of having access to a network of service and repair shops.

What discounts can you ask for when applying for a policy with Kemper?

When you ask for a quote with Kemper, make sure you ask for all the discounts you qualify for. These are the discounts currently available that are specific to boat insurance.

  • Internal Safety Features: Kemper offers additional savings if you have seatbelts, airbags, and similar safety features. Ask what other safety features on your car will trigger a discount.

Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with Kemper.

 

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Contact

  • Headquarters
  • One East Wacker Drive
    Chicago, IL 60601 USA
  • Visit Site

Availability

Available in 26 states
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Florida
  • Georgia
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Maryland
  • Minnesota
  • Missouri
  • Nevada
  • New Jersey
  • New York
  • Ohio
  • Oregon
  • Pennsylvania
  • South Carolina
  • Tennessee
  • Texas
  • Virginia
  • Washington
  • Wisconsin

Feature Breakdown

Policy Discounts
  • Claims Free
  • Family Plans
  • Full Payment
  • Good Student
  • Loyalty / Long-Term Customer
  • Multiple Policy
  • Multiple Vehicles
  • New Customer / Competitor Transfer
  • Paperless Billing / e-billing
Vehicle and Equipment Discounts
  • Anti-Theft Devices
  • Internal Safety Features (Air Bags / Seat Belts)
Liability Vehicle Insurance
  • Bodily Injury Coverage
  • Property Damage Coverage
  • Uninsured Motorist
  • Underinsured Motorist
Medical Vehicle Insurance
  • Medical Payments Coverage
  • Personal Injury Protection
Vehicle Coverages
  • Comprehensive
  • Collision
Financial Strength Rating
  • A-
Carrier Features
  • 24/7 Phone Availability
  • Locally Available Agents
  • Digital Claims Reporting
  • Mechanical / Auto Body Repair Network

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