Kemper P & C Group Auto Insurance Background
Kemper P & C Group is the subsidiary of gigantic Chicago-based Kemper Corporation, formerly Unitrin, and is the division which specializes in automobile insurance, homeowners insurance and personal property protection. Kemper is ranked the 20th largest auto insurer in the country, with direct written policies of almost 1,200,000, representing a 1.68 market share. A hallmark of Kemper insurance are broad coverage policies designed to cover gaps left uncovered by other policies.
Kemper P & C Group Sales and Service
Kemper sells its automobile insurance through a network of independent agents and handles claims on a round the clock basis via a toll-free telephone line manned by Kemper employees for personalized service. Customers can tailor auto policies to their specific needs using Kemper’s Personally Yours option. Kemper Total is a protection plan to cover significant vehicle damage that may include payment of actual cash value or full replacement and a doubling of standard rental reimbursement. An Auto Loan/Lease Gap coverage covers the difference between the actual cash value of a totaled vehicle and the amount still owed on a loan or lease agreement. Parked Auto Protection waives the collision deductible amount when a legally parked vehicle is subjected to a crash.
Kemper’s Package Plus
A special “Package Plus” option is popular for customers who want to streamline their insurance coverages into one policy paid by one premium that covers auto, homeowners, collectibles, watercraft and identity theft, creating the lowest premium available since all policies are bundled together.
Ways to Save on Kemper Auto Insurance
Kemper offers attractive savings for college students who insure their vehicle through their parents’ policy as well as discounts for students who take driver education courses. Multiple cars on the same policy, and evidence of safety and anti-theft devices on the insured vehicle, whether factory installed or installed as an after-market device, is another way Kemper allows customers to lower their premiums. Seniors who have passed Defensive Driving classes are also offered policy discounts.
Kemper’s Average Customer Satisfaction Rating
Out of 33 insurance vendors ranked by the J.D. Power Customer Satisfaction Index, Kemper ranks 18th with a score of 771 out of 1,000 points, with most users giving it an average rating. Most of the policies sold by Kemper agents are bundled with a variety of features and customers must accept all features in the package in order to realize any substantial savings in premium rates. Kemper currently offers auto insurance coverage in 26 U.S. states, including Arizona, California, Connecticut, Maryland, Minnesota, Missouri, New Jersey, New York, Ohio, Pennsylvania, Texas, Virginia, Washington State and Wisconsin.
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