Kemper Corporation: Tailored Coverage for High-Risk Drivers

Non-Standard Auto Insurance Expertise

What it means for you: Kemper focuses exclusively on non-standard auto coverage, offering tailored policies that meet the unique needs of drivers with less-than-perfect records.

Real example: A driver with prior DUIs was able to obtain flexible SR22 coverage quickly through Kemper's streamlined underwriting process.

Best fit for: Higher-risk drivers requiring specialized policy options often unavailable from mainstream insurers.

Digital Claims Tools and Mobile Accessibility

What it means for you: Kemper provides online claim reporting and a mobile app that supports policy management and claim updates for convenience, especially useful for drivers on the go.

Real example: Customers have used text-based claim updates to track progress without lengthy phone calls, speeding resolution.

Best fit for: Tech-savvy customers who prefer self-service options and efficient digital access.

Financial Stability and Strong Ratings

What it means for you: Trust in Kemper’s ability to honor claims and maintain competitive rates backed by solid capitalization and stable ratings from A.M. Best and regulatory bodies.

Real example: Despite market fluctuations, Kemper maintains an A- rating, delivering consistent service reliability.

Best fit for: Customers who want financial assurance and a carrier with proven endurance in niche markets.

Independent Agent Partnerships

What it means for you: Access personalized advice and flexible service through Kemper’s extensive network of independent agents who understand the complexities of non-standard policies.

Real example: An independent agent guided a customer through SR22 requirements and found the most affordable, compliant policy.

Best fit for: Customers who value responsive, knowledgeable agent support tailored to complex auto insurance needs.

Online Account Portal

• View policy documents and coverage details anytime.
• Make payments and set up automatic billing.
• Submit and track claims online with real-time updates.

Access: https://www.kemper.com/online-account

Kemper Mobile App Features

• Policy management: View and update your policy details at any time.
• Claims reporting: File and track claims quickly through the app.
• Real-time claims updates: Receive text alerts and progress notifications.
• Payment processing: Make payments securely using the app.

Download: Available on both iOS and Android

Available Payment Methods

• Automatic Payment: Bank account or credit card options available with no additional fees.
• Online Payment: Secure payments through the online portal without fees.
• Phone Payment: Call customer service to pay via phone; no fees.
• Mail Payment: Send checks to 1200 E. Glen Ave, Peoria, IL 61615; allow 5-7 business days for processing.
• In-Person: Payments made through independent agents when available.

Payment Schedules

• Monthly: Available with no extra fees.
• Quarterly: Some discounts may apply; confirm with agent.
• Semi-Annual: Discounts may be available upon request.
• Annual: Typically offers best discount rates when paid in full.

Auto Insurance Discounts

• Multi-Policy Discount: Bundle auto with other Kemper policies - Save up to 10%
• Safe Driver Discount: For drivers with clean driving records - Save 5-15%
• Good Student Discount: For eligible students with proof of grades - Save up to 10%

Home Insurance Discounts

• Protective Device Discount: For homes with security systems - Save 5%

Multi-Policy Discounts

• Bundled Coverage: Combine auto and home policies - Save 10% on both

Kemper Corporation Works Best For:

Higher-Risk Drivers

• Drivers with past violations, DUIs, or limited driving history
• Need affordable, flexible policies that accommodate risk factors
• Require SR22 filings or non-owner policies

Price-Sensitive Customers

• Seeking budget-friendly options without sacrificing coverage
• Value digital tools for managing policies and claims efficiently
• Prefer independent agent support for tailored guidance

Independent Agents’ Clients

• Those who want close collaboration with local agents knowledgeable about niche markets
• Benefit from agent expertise navigating complex underwriting
• Prefer face-to-face support when dealing with claims or policy changes

Consider Other Options If:

• You need a full suite of personal and commercial insurance lines beyond non-standard auto.
• You prioritize top-tier digital experience and comprehensive mobile app functionality beyond basic features.
• You are looking for mass-market auto insurance with extensive discount programs geared toward perfect driving records.

Our job is finding the right fit for your specific needs. If Kemper Corporation isn't ideal for your situation, we'll help you find who is.