What You Should Know About Kemper Auto Insurance in 2024

If you’re finding it difficult getting auto insurance elsewhere because of a poor driving record, Kemper Auto insurance might be worth a look. 

The company is best known for providing auto insurance for high-risk drivers, but it also offers other coverage, including life, homeowners, and supplemental health insurance. 

Founded in 1990, Kemper is licensed to sell insurance in all 50 states and Washington, D.C. and is represented by more than 34,000 agents. 

In this article, we’ll look at Kemper Auto insurance, including coverage options, the available discounts, and the different ways to file a claim with the company. We’ll also explore other insurance products offered by Kemper. 

Kemper Car Insurance Coverage

It’s important to know what type of car insurance coverage is required in your state. Except for Florida, every state requires bodily injury liability insurance (BI).  

Although minimum coverage requirements vary by state, they generally include liability insurance and some form of uninsured/underinsured insurance. If you need extra insurance coverage, your insurance company may have additional coverage options for you. 

Here are some of the basic coverage choices offered by Kemper. 

• Liability Coverage. This coverage typically pays for property damage and injuries resulting from a car accident in which you’re at fault. Liability insurance coverage is often separated into property damage liability coverage and bodily injury liability.
• Full Coverage. Full coverage isn’t a specific coverage type. It typically combines comprehensive and collision coverage. It may also include coverage for injuries and damage you cause to others. Kemper’s comprehensive insurance covers damages to your vehicle from vandalism, animals, and weather. Their collision insurance covers the cost of repair to your car if it’s hit by another vehicle or object.
• Uninsured/Underinsured Motorist. Even though only some states require underinsured and uninsured motorist coverage, you should always consider this additional coverage. It helps you pay for damages caused by a driver with no or limited insurance coverage.
• Medical Payments Coverage. This covers medical bills for you and your passengers if you’re involved in an accident — regardless of who’s at fault.

Helpful Add-Ons for Kemper Policies

Kemper also offers optional add-ons to help provide more protection, such as:

• Kemper Total. This option is similar to new car replacement insurance. In the event of an accident, you receive the amount required to fully repair or replace the vehicle after a claim. The Kemper Total package can come in handy for drivers who want to offset the risks associated with depreciation or people who own rare car models.
• Kemper Prime Auto Enhanced. Purchasing this package gives you access to a broad range of additional coverage, including accident forgiveness, personal property protection insurance, trip interruption expense protection, and transmitter device repair coverage. Drivers who purchase this package also get rewarded with a diminishing deductible for maintaining safe driving habits.
• Auto Loan/Lease.This add-on offers drivers peace of mind that if their vehicle is damaged beyond repair, their insurer will pay the difference between the vehicle’s value and the amount they still owe on the loan or lease.
• Dependent Protection. This option covers up to $1,000 in daycare costs if you can’t look after your children after an accident. This coverage also provides a $10,000 benefit if an accident results in death.
• Emergency Road Service. This option covers the cost of roadside emergencies such as tire repairs, fuel delivery, towing, lock-out services, etc.

If you’re a high-risk driver with records of DUI or an extensive claims history, Kemper can assist with SR-22 insurance.

What auto insurance discounts are available from Kemper?

Auto insurance discounts help policyholders save money on their auto insurance. For instance, if you have anti-lock brakes or anti-theft devices in your car, you may qualify for discounts. 

Kemper Auto offers the following discounts:

• Defensive driving course discount
• Proof of prior insurance
• Multi-vehicle discount
• Advance quote discount
• Homeowner discount
• Military discount
• Good student discount
• Package plus bundling discount

Eligibility for these discounts varies, depending on your age and location, and whether you have other insurance policies with Kemper. When you request a quote, ask the company representative/agent about discounts that may be available to you. 

Read more: 5 Things an Anti-Theft Device Can Do To Keep Your Car Safe

What states does Kemper offer coverage in?

Kemper sells auto insurance in all 50 states and Washington, D.C., making it easy for Kemper policyholders to keep their policy if they move to another state.

How do you file a car insurance claim with Kemper?

Kemper makes it exceptionally easy for policyholders to file an auto insurance claim. Policyholders have four options for filing a claim:

• Via phone
• Via direct contact with an agent
• Via the insurer’s website
• Via Kemper’s mobile app

When filing a claim, make sure you have the following information on hand: 

• Kemper insurance policyholder’s name
• Kemper policy number
• Insured vehicle information
• Date and time of the incident
• Description of the incident, including damages, injuries, and police report

Read more: How To File a Car Insurance Claim After an Accident

Does Kemper offer any other types of insurance?

Besides auto insurance, Kemper offers a selection of coverages for both individuals and businesses. Their insurance products include:

• Home insurance
• Health insurance
• Life insurance
• Boat insurance
• Collectibles insurance
• Personal valuables insurance
• Condo insurance
• Identity fraud insurance

Kemper Auto Insurance: The Bottom Line

Kemper Auto insurance is one of the leading insurance companies for high-risk drivers who need non-traditional types of coverage. The company offers a diverse range of coverage options and add-ons to add extra protection for you and your property.

To ensure you get the best deal, you can compare quotes from different companies near you.