Unitrin Auto And Home Insurance Company Claims – While not one of the largest or most popular auto insurance providers in the country, Kemper has a reputation for offering auto insurance for high-risk drivers. In other words, the company might be a good fit if you’ve struggled to qualify for car insurance elsewhere.
If you’re wondering if Kemper is right for you, here’s what you need to know about Kemper auto insurance policies, including coverage options, prices, discounts, customer reviews, and more.
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Kemper Corporation started it in 1990 in Chicago, Illinois. The company was originally founded as Unitrin Inc. and it did not become Kemper until 2011. Today, Kemper offers a variety of insurance products, including auto insurance, property insurance, business insurance, life insurance, and more.
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Liability Only Insurance Liability Only, sometimes called minimum coverage insurance, pays for bodily injury and property damage to others in an accident caused by the contractor. It does not pay for the insured’s own damages.
Comprehensive Coverage Car insurance with comprehensive coverage generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision coverage covers an insured’s repair or replacement costs in the event of an accident. Comprehensive covers damages caused by non-accidental events. The average quote shown here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50.00 property damage liability per accident; $1,000 collision deductible; and a full deductible of $1,000.
Founded in 1990 in Chicago, Illinois as Unitrin, the company became Kemper in 2011. The company now offers auto, property, life insurance, and more. Kemper offers Kemper Personal Insurance for drivers who want more customization options, and Kemper Auto for high-risk drivers. A.M. Best gives Kemper an A-minus rating, which means the rating organization views Kemper as financially stable and credible. However, the company had a low score in the overall ranking of J.D. Power in the customer satisfaction index, with more than three times the number of complaints expected with the Association of Insurance Commissioners Consumer Index.
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Kemper operates as a family of companies including Kemper Auto, Infinity, Kemper Personal Insurance, and Kemper Life. It sells and distributes its products using the help of independent agents and brokers. Approximately 29,000 agents and brokers across the country serve more than 5.3 million policies.
Because of this business model, you can’t simply sign up for a Kemper auto insurance policy online like you could with another provider. Alternatively, you can use Kemper’s website to connect with an independent agent in your area.
Kemper Personal Insurance is designed for “knowledgeable drivers,” according to the company’s website. Policies come with customizable coverage to meet your needs. Some of the unique coverage options available include:
Kemper Auto, on the other hand, is better suited to drivers who may struggle to find insurance elsewhere because they are considered high-risk drivers. A high-risk driver might be someone with a poor credit score or someone with accidents or violations on their record. Some of the coverage options available with Kemper Auto include:
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Unfortunately, Kemper does not offer online insurance quotes. Instead, you’ll have to connect with an independent agent or broker near you to get a price estimate. The Kemper website offers a tool to help you find an agent near you by entering your zip code and the type of insurance you are purchasing.
While shopping for insurance, it can also be helpful to use a quote comparison platform such as . You’ll be able to compare Kemper with other auto insurance companies to make sure you’re getting the best rate for the coverage you need.
The price you pay for auto insurance depends on where you live. Each state has its own minimum insurance requirements, which affect the average price. In addition, your location is one factor that affects the level of risk for the insurance company.
The table below shows the average monthly cost of comprehensive insurance versus liability-only insurance in 13 different states.
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Your driving history is another important factor that affects your insurance premiums. Generally speaking, the more violations (or more serious violations) you have on your driving history, the more you will pay for auto insurance.
The chart below breaks down the average monthly cost of comprehensive and liability-only insurance for drivers with clean records, speeding tickets, at-fault accidents, and DUIs.
Disclaimer: Chart data comes from real-time quotes from over 50 partner insurance providers. Actual quotes may vary based on the policy buyer’s unique driver profile.
Insurance companies also consider a driver’s age when setting insurance rates because, in general, young drivers present an increased risk. The table below shows the average monthly rates for customers of different ages.
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Like most auto insurance companies, Kemper offers several discounts to help its customers save money on auto insurance. Below is a list of discounts available to Kemper customers:
As a Kemper customer, you can take advantage of two different package discounts. First, you can save by putting two different cars on the same auto insurance policy. Second, you can save by including your home and auto insurance policy.
Kemper’s website doesn’t say just how much you can save by bundling your policies, so you’ll have to consult an independent agent in your area to find out.
Although it has been in business for more than 30 years, Kemper has relatively few online reviews that judge it. But the reviews it has are overwhelmingly negative.
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Kemper is just one of the many auto insurance companies available to customers today. When shopping for a policy, it’s important to weigh your options and compare rates, coverage, customer service, and more from several different companies.
Progressive is one of the largest auto insurance companies in the country, ranked third by market share of written premiums.
Progressive offers many different types of coverage and highly customizable policies. In addition to all the standard coverage options, Progressive also offers gap insurance, rental car reimbursement, customer parts and equipment value, trip insurance coverage, roadside assistance, and a deductible savings bank.
Progressive is known for its affordable premiums. His national average monthly premium for comprehensive coverage is $238, while Kemper’s is $294. Progressive also doesn’t raise its rates significantly for drivers with tickets, accidents, or DUIs on their records. Finally, Progressive has a far larger lineup of discounts than Kemper.
Safeco is an auto insurance company that is part of Liberty Mutual. Safeco uses the same agent model as Kemper, meaning you’ll have to connect with a local independent agent to sign up for a policy.
Kemper and Safeco stack up similarly in terms of coverage options. In addition to the standard coverage options, both have reduced deductibles, roadside assistance, and new car replacement. Safeco doesn’t offer gap insurance like Kemper does, but it does have rental car reimbursement and cash for no claims.
Kemper seems to offer more discounts than Safeco does. However, Safeco has its RightTrack program, which allows customers to save up to $513 a year by using an app that tracks braking, acceleration, night driving, and mileage.
Travelers is another top auto insurance company, ranked in the top 10 by market share. A difference between Travelers that immediately stands out is the rates. While the average full-coverage Kemper policy costs $294 per month, similar coverage at Travelers costs an average of just $172 per month.
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Kemper and Travelers have some similar coverage options, including space insurance, roadside assistance, new car replacement, and accident forgiveness. Travelers also offers rental coverage, ride coverage, and non-owner coverage.
Both companies also have some similar discounts, including discounts for multiple policies, multiple cars, homeownership, getting an early quote, being a good student, and taking a driver safety course. However, Travelers has a larger lineup of other discounts.
Kemper Insurance specializes in offering coverage to high-risk drivers who may not be able to find policies elsewhere. But it’s important to consider the pros and cons before signing up for a policy.
If you are in an accident or your vehicle suffers damage that is covered by your insurance policy, you will need to file a claim with your provider. A claim is essentially a request for the insurance company to cover the damage.
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Kemper allows customers to make claims either directly with their agent or online. To file a claim online, you’ll need to share information about your policy, your vehicle, the incident, and anyone else involved. Kemper also has a mobile application where you can file a claim.
The Kemper website allows you to not only file a claim online, but also find a repair shop for the damage. Kemper does not require customers to use certain repair shops. But it has the Kemper Repair Network, with many facilities, and the claim process can move faster if you use a shop in the Kemper network.
Once you have filed your claim, the process works just like any other insurance company. Your agent will investigate the claim and should pay you for any covered damages once you have paid your deductible.
Kemper insurance premiums are higher than many other companies. But because Kemper
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