Kemper Car Insurance Discounts

Kemper car insurance discounts include those for vehicles with anti-theft devices and automatic safety belts installed. Students and drivers with multiple cars on the same policy also qualify for Kemper car insurance discounts. Kemper Insurance Company is backed by an "A-" or "excellent" financial stability rating by A.M. Best.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Aug 14, 2020

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Here's what you should know...

  • Kemper Insurance Company is rated highly by A.M. Best and offers a wide array of auto insurance policies and discounts
  • Vehicles with airbags and anti-theft features can receive instant discounts on premiums
  • Kemper also offers GAP coverage for owners of newer models

Kemper Insurance Company is the end result of an evolving company that started in 1926 to provide personal lines of insurance at a discounted rate. Kemper continues to offer personal lines of insurance, as well as business insurance, through its parent company Unitrin Business.

With over 4,700 agents and more than three-quarters of a million policyholders, Kemper is now one of the leading insurance agencies in the United States.

The company is backed by an A- or “excellent” financial stability rating by A.M. Best, the independent insurance rating company.

Use our comparison tool to compare car insurance quotes today!

Types of Car Insurance Discounts Offered

Kemper has become one of the most popular car insurance companies due in part to the discounts that they offer. Kemper agents and executives are continually looking for new discounts that can be offered to clients, not only to draw in new clients but also to help with loyalty to existing clients.

The first discount is given to any vehicle that has airbags.

Since the majority of vehicles model year 2005 or later come standard with airbags, this is an automatic discount for some individuals. This is true as well for anti-lock brakes, which also come standard on most newer model vehicles.

Anti-theft devices and automatic safety belts are two additional features that Kemper considers worthy of a discount. An anti-theft device can be anything from a key fob, a steering wheel lock, or a car alarm. Automatic safety belts either come with a vehicle or don’t. They cannot be added to a car after it is manufactured.

If a family or individual insures multiple cars with Kemper, they will receive a discount. Also, anyone who attends a driver training course will be eligible for a discount. Driver training courses are offered through community centers and police department, or through professional driving companies.

College students on their parent’s insurance policy can receive a discount from Kemper too with qualifying documentation.

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How to Decide if Kemper’s GAP Coverage Is Right for You

GAP coverage is a type of car insurance that is offered by many car insurance companies, including Kemper. GAP coverage provides the difference in cost between the value of your car and the amount you owe on the car. It basically pays off your vehicle if it is totaled.

Nothing is worse than having a totaled car on which you still have to make payments.

GAP coverage is a fairly new type of coverage. It has come into play more recently since many people owe more money on their car than the car is worth, which could be due to the terms of the loan or due to the fact that the car has been refinanced to get some extra cash.

Either way, many people are left making payments on a car even after it is totaled because they owe so much.

Individuals in this situation should consider purchasing a GAP insurance policy. The only stipulation is that the car cannot be more than three years old, which is in model years, so remember that model years are always a year ahead of the actual calendar year.

Also, your car must be deemed a total loss by a mechanic approved by Kemper before the GAP coverage amount is paid.

Important Information Needed When Filing a Claim

Filing a claim with any insurance company is an important part of the insurance process, but it is important that all the correct information is provided by the individual making the claim. Providing the correct information can make the whole process go a lot smoother.

To file a claim with Kemper, individuals must provide the details of the incident, the names of those involved, the names of witnesses that saw the incident, and any supporting documentation such as pictures of damage or police reports.

The report can then be faxed, submitted online, or mailed to Kemper.

The claim will be processed as soon as possible, but any missing information will slow down the process. An agent will contact you right away to discuss your claim and ask any questions.

Once the claim is processed, the person filing the claim has the opportunity to re-file if they do not think that the claim is fair.

Kemper’s appeal process is open to any client.

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