Kemper vs Root Car Insurance for 2023

Bullet Points:

• Kemper is known for its affordable rates and flexible payment options
• Root Car Insurance uses telematics to determine rates and rewards safe driving behavior
• Both companies offer 24/7 claims service and a mobile app for convenient management of policies and claimsurance

Introduction: When it comes to car insurance, it can be overwhelming to navigate the options available and choose the right provider. Kemper and Root Car Insurance are two popular options in the market that are worth considering.

In this article, we will compare and review Kemper car insurance vs Root car insurance in 2023 to help you make an informed decision about your car insurance needs. Read on to learn about their history, services, discounts, and customer reviews.

Company History and Mission:

Kemper was founded in 1990 and has since grown to become a leading provider of personal and commercial auto insurance, home insurance, and other related products. The company’s mission is to offer affordable and reliable insurance solutions to its customers, ensuring that they have peace of mind when it comes to protecting their assets and financial well-being.

Root Car Insurance, on the other hand, is a relatively new player in the market. The company was founded in 2015 and utilizes telematics to determine rates and reward safe driving behavior. The mission of Root Car Insurance is to make car insurance fair by using data and technology to accurately determine the risk of insuring each driver.

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Products and Services Offered:

Kemper offers a range of personal and commercial auto insurance policies, including liability, collision, and comprehensive coverage. They also offer home insurance, renters insurance, and other related products. The cost of their services varies depending on factors such as the type of policy, coverage limits, and deductibles. Kemper’s services are available in 27 states across the United States.

Root Car Insurance offers personalized car insurance policies that are tailored to the specific needs of each driver. They offer liability, collision, and comprehensive coverage, as well as optional add-ons such as rental car coverage and roadside assistance. The cost of their services is determined by telematics data, which considers factors such as driving behavior, time of day, and location. Root Car Insurance services are available in 30 states across the United States.

Discounts Available to Customer:

Kemper offers various discounts to its customers, including safe driver discounts, multi-car discounts, and discounts for bundling multiple policies. To qualify for these discounts, customers need to meet specific criteria such as maintaining a clean driving record or having multiple cars insured with Kemper.

Root Car Insurance also offers discounts to its customers, including safe driving discounts, multi-car discounts, and discounts for taking a test drive. To qualify for these discounts, customers need to demonstrate safe driving behavior and meet other criteria set by Root Car Insurance.

Customer Reviews:

Kemper has received mixed reviews from customers, with some praising the affordability of their policies and the quality of their customer service, while others have reported issues with claims processing and difficulties with cancellations. According to the National Association of Insurance Commissioners (NAIC), Kemper received a complaint index of 1.82 in 2020, which is higher than the national average.

Root Car Insurance has also received mixed reviews from customers, with some praising the innovative use of telematics to determine rates and reward safe driving behavior, while others have reported technical issues with the mobile app and difficulties with claims processing. According to the NAIC, Root Car Insurance received a complaint index of 0.82 in 2020, which is lower than the national average.

FAQ:

Q: How do I qualify for discounts with Kemper?

A: To qualify for discounts with Kemper, you need to meet specific criteria such as maintaining a clean driving record or having multiple cars insured with Kemper.

Q: What is the Kemper vs Root Car Insurance legal dispute?

A: Kemper has filed a lawsuit against Root Car Insurance, alleging that the company engaged in unfair business practices and violated trade secret laws.

Q: What is Kemper’s argument against Root Car Insurance?

A: Kemper claims that Root Car Insurance misappropriated trade secrets related to its usage-based insurance technology and used them to gain an unfair advantage in the market.

Q: What is the current status of the legal dispute between Kemper and Root Car Insurance?

A: The case is ongoing, with both companies presenting evidence and arguments in court. It is unclear when a final ruling will be made.

Q: Will policyholders be affected by this legal dispute?

A: It is possible that policyholders may be affected by the outcome of this case, as it could impact industry standards and consumer protections. However, it is too soon to tell what the specific effects may be.

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