Kemper Auto Insurance Review: What Policyholders Say

So you’re in the market for auto insurance and considering Kemper as an option. As with any company, you want to know what actual customers say about their experience. After all, those TV commercials and website promises don’t always match up with reality. Before you sign on the dotted line, check out reviews from real Kemper policyholders. What do people love about the company? What do they wish was different? Most importantly, would they recommend Kemper to their friends and family? We scoured reviews across the web to find out what people really think about Kemper auto insurance.

Here’s an unvarnished look at the good, the bad and the ugly directly from customers like yourself. Armed with this insider knowledge, you can determine if Kemper is the right choice to protect you and your vehicle.

Kemper Auto Insurance Overview

Kemper Auto Insurance has been providing coverage for over 70 years. Based in Illinois, they offer policies in 47 states. If you’re looking for basic coverage at an affordable price, Kemper could be a good option.

Kemper offers the standard auto policy types: liability, collision, comprehensive, uninsured motorist, etc. Liability coverage, which protects you if you’re at fault in an accident, is required in most states. Kemper’s liability limits follow your state’s minimums, but you can increase limits for more coverage.

Policyholders say Kemper’s rates are often lower than competitors. Discounts are available for bundling with home insurance, safe drivers, students, anti-theft devices, and more. However, some report rate increases over time and at renewal.

The claims process receives mixed reviews. Some say claims are handled quickly and fairly, with damaged vehicles being repaired or paid out within a week. However, others report long delays, low settlement offers, and dropped claims. Much seems to depend on your local adjuster and how complex your claim is.

Kemper Auto Insurance Ratings and Reviews

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So, what do actual Kemper customers think about their auto insurance? Reviews and ratings from sites like J.D. Power, AM Best, and Consumer Affairs give you a glimpse into the pros and cons of Kemper’s policies from a policyholder’s perspective.

J.D. Power’s 2019 U.S. Auto Claims Satisfaction Study ranks Kemper slightly below average, earning 3 out of 5 Power Circles. Policyholders cite slow claims processing and lack of status updates as downsides. However, Kemper gets high marks for fast payment of claims once settled.

A.M. Best gives Kemper an “A-” or “Excellent” financial strength rating. This means Kemper has the means to pay out claims for the foreseeable future, which provides peace of mind for customers.

On ConsumerAffairs, Kemper earns an average 3 out of 5 stars from over 100 reviews. Positive reviews highlight Kemper’s competitive rates, ease of filing a claim, and coverage options. However, some say communication could improve, especially around the claims process. A few mention hidden fees and rate increases after the first term.

Kemper Auto Insurance Discounts and Savings

Kemper offers several discounts and savings on their auto insurance policies to help lower your premiums. The more discounts you qualify for, the more you can save.

Safe Driver Discount

If you have a clean driving record with no accidents or violations in the past 3-5 years, you may be eligible for Kemper’s Safe Driver Discount. This can knock up to 25% off your premiums for demonstrating you are a low-risk driver.

Bundling Discount

Do you have a homeowner’s, renter’s or life insurance policy with Kemper? Bundling multiple policies together can save you up to 20% on auto insurance. The more you bundle, the more you save.

Vehicle Safety Features Discount

If your vehicle has certain safety features like anti-lock brakes, daytime running lights or anti-theft devices, you may qualify for a discount of up to 30% off your premiums. Kemper recognizes that safer vehicles mean lower risks.

Good Student Discount

High school and college students who maintain a B average or higher can save up to 20% through Kemper’s Good Student Discount. Simply provide proof of your good grades to qualify.

Usage Based Discount

Kemper offers a usage-based auto insurance program called Drive Sense that provides discounts for safe driving habits. By allowing Kemper to track your driving through a mobile app or device plugged into your vehicle’s onboard diagnostics port, you can save up to 30% for things like:

  • Minimal mileage (low annual mileage)
  • No distracted driving (avoiding phone usage while driving)
  • Obeying traffic laws (no excessive speeding or hard braking)
  • Limited nighttime driving (avoiding driving between midnight and 4 a.m.)

With all the opportunities for savings, you can potentially lower your Kemper auto insurance premiums by hundreds per year. Be sure to ask about all the discounts you may be eligible for to maximize your savings.

Kemper Auto Insurance Claims Process

Once you file a claim with Kemper, their team works to handle it as quickly and efficiently as possible. Here’s what you can expect during the claims process:

Reporting Your Claim

You can report a claim by calling Kemper’s 24/7 claims hotline, filing on their website, or through their mobile app. Have details about the incident, any damage, injuries, and police report number ready to provide. Kemper may assign an adjuster to your claim within 1-2 business days.

Claim Investigation

The adjuster will investigate the details of your claim, including:

  • Contacting any other parties involved
  • Reviewing the police accident report
  • Inspecting any vehicle damage
  • Interviewing witnesses
  • Determining who is at fault

They aim to complete the investigation within 3-5 business days. If liability is disputed, it may take longer. Cooperate fully with the adjuster to help speed up the process.

Claim Determination

Once the investigation is done, Kemper will determine whether your claim is covered under your policy. If approved, the adjuster will determine the settlement amount for your claim like vehicle repairs, medical bills, lost wages, etc. This typically takes 3-5 business days after the investigation is complete.

Claim Settlement

Kemper will issue payment for the approved claim amount. For vehicle damage claims, you can get repairs done at a Kemper partner shop and they will pay the shop directly. Otherwise, Kemper will pay you the approved amount and you can get repairs done wherever you choose. Medical and wage loss claims are usually paid directly to you. Most straightforward claims are settled within 10-15 business days. More complex claims may take 3-4 weeks or longer to fully settle.

Overall, policyholders find Kemper’s claims process to be efficient, transparent and fair. By cooperating fully with their adjusters, you can expect your claim to be settled promptly with a minimum of hassle. Let Kemper handle the details so you can get back to normal life.

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