Kemper vs Travelers Car Insurance for 2023

If you’re in the market for car insurance, you may have heard of Kemper and Travelers. Both companies have been around for decades, providing customers with peace of mind on the road. In this article, we’ll take a deep dive into the pros and cons of Kemper car insurance  vs Travelers car insurance for 2023. We’ll examine the history and mission of each company, their main products and services, the cost of those services, the states where their services are offered, and the different types of discounts available to customers. By the end of this article, you’ll have a clear understanding of which company is the best fit for your needs.

Interesting Attributes of Kemper and Travelers

Before we dive into the details of Kemper and Travelers car insurance, here are a few interesting attributes of each company:

Kemper:

• Kemper has been in the insurance industry for over 75 years and offers a variety of insurance products, including auto, home, and life insurance.
• Kemper offers a unique “Accident Forgiveness” program that allows customers to have one at-fault accident forgiven every three years.
• Kemper has an A+ rating from the Better Business Bureau and has been recognized by J.D. Power for their exceptional customer service.

Travelers:

• Travelers is one of the largest insurance companies in the United States and has been in business for over 160 years.
• Travelers offers a range of insurance products, including auto, home, and business insurance.
• Travelers has an A+ rating from the Better Business Bureau and has been recognized by J.D. Power for their exceptional claims handling.

Company History and Mission

Kemper:

Kemper was founded in 1947 and is headquartered in Chicago, Illinois. The company’s mission is to help customers protect their assets and build their wealth through a variety of insurance products. Kemper’s focus is on providing affordable insurance to customers who may have difficulty obtaining coverage from other insurance companies. Kemper’s motto is “Protection for what matters most.”

Travelers:

Travelers was founded in 1864 and is headquartered in New York City. The company’s mission is to help individuals and businesses manage risk and recover from unexpected events. Travelers’ focus is on providing personalized insurance solutions to meet the unique needs of each customer. Travelers’ motto is “Insurance that fits your life.”

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Products and Services Offered, Cost, and States Where Services are Offered

Kemper: Kemper’s car insurance services are available in multiple states across the United States, including Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Mississippi, Missouri, Nebraska, Nevada, New Jersey, New Mexico, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin, and Wyoming.  

Travelers: Car Insurance Products and Services Travelers also offers a comprehensive range of car insurance coverage options, including:

1. Liability coverage: Provides coverage for damages and injuries to others if you are at fault in an accident.
2. Collision coverage: Covers damages to your vehicle in case of a collision with another vehicle or object.
3. Comprehensive coverage: Protects your vehicle from damages caused by non-collision events such as theft, vandalism, or natural disasters.
4. Uninsured/underinsured motorist coverage: Provides coverage if you are involved in an accident with a driver who is uninsured or underinsured.

Different Types of Discounts Available to Customer:

Kemper offers a range of discounts to customers, including:

• Safe driver discount: If you have a clean driving record for a certain number of years, you may qualify for a safe driver discount.
• Multi-car discount: If you insure multiple cars with Kemper, you may qualify for a multi-car discount.
• Multi-policy discount: If you have more than one insurance policy with Kemper (such as auto and home insurance), you may qualify for a multi-policy discount.
• Anti-theft device discount: If your car has an anti-theft device installed, you may qualify for an anti-theft device discount.

To qualify for these discounts, you will need to meet certain criteria. For example, to qualify for the safe driver discount, you will need to have a clean driving record for at least three years.

Travelers:

Travelers offers a range of discounts to customers, including:

• Safe driver discount: If you have a clean driving record for a certain number of years, you may qualify for a safe driver discount.
• Multi-car discount: If you insure multiple cars with Travelers, you may qualify for a multi-car discount.
• Multi-policy discount: If you have more than one insurance policy with Travelers (such as auto and home insurance), you may qualify for a multi-policy discount.
• Hybrid/electric vehicle discount: If you own a hybrid or electric vehicle, you may qualify for a discount.

To qualify for these discounts, you will need to meet certain criteria. For example, to qualify for the safe driver discount, you will need to have a clean driving record for at least three years.

Customer Reviews of the Company

Kemper:

Kemper has received mixed reviews from customers. Some customers have praised the company’s affordable rates and excellent customer service, while others have criticized the company for slow claims processing and difficulty cancelling policies. According to J.D. Power’s 2021 U.S. Auto Insurance Study, Kemper received an overall satisfaction score of 830 out of 1000, which is slightly below the industry average.

Travelers:

Travelers has received generally positive reviews from customers. Customers have praised the company for its excellent customer service, fast claims processing, and wide range of coverage options. According to J.D. Power’s 2021 U.S. Auto Insurance Study, Travelers received an overall satisfaction score of 871 out of 1000, which is above the industry average.

FAQ

Q: Does Kemper offer roadside assistance?

A: Yes, Kemper offers roadside assistance as an add-on to their auto insurance policies.

Q: Does Travelers offer rental car coverage?

A: Yes, Travelers offers rental car coverage as an add-on to their auto insurance policies.

Q: Can I get a quote from Kemper online?

A: Yes, you can get a quote from Kemper online by visiting their website and entering your zip code.

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