Kemper vs National General Car Insurance for 2023
In the dynamic landscape of car insurance, the comparison between Kemper and National General takes center stage as two formidable contenders, each offering an array of coverage options and benefits.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
UPDATED: Nov 26, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Nov 26, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
In the competitive arena of car insurance, the battle between Kemper and National General takes center stage. As two prominent contenders, these companies offer a myriad of coverage options and benefits, necessitating a thorough comparison for informed decision-making. For those seeking the most advantageous rates, our comprehensive analysis reveals key insights into factors such as credit score, mileage, coverage level, and driving record. In this subheading, we succinctly summarize the data, pinpointing which company emerges as the top choice for various customer profiles. Whether you prioritize affordability, discounts, or efficient claims handling, this snapshot guides you through the nuanced landscape of insurance rates.
| Factors | Kemper | National General |
|---|---|---|
| Clean Record | $125 | $161 |
| 1+ Ticket | $157 | 212 |
| 1+ Accident | $197 | $266 |
| DUI | $227 | $434 |
| Poor Credit | $215 | $277 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
| Discounts | Kemper | National General |
|---|---|---|
| Anti Theft | 6% | 15% |
| Good Student | 12% | 12% |
| Low Mileage | 9% | 5% |
| Paperless | 7% | 10% |
| Safe Driver | 16% | 15% |
| Senior Driver | 11% | 8% |
Kemper Car Insurance
Pros:
- Case Study Performance: Positive reviews on efficient claims handling and smooth settlements.
- Discounts: Offers various discounts like good driver and bundling discounts.
- Ride Share Coverage: Provides specific insurance for ride-share drivers.
- Mobile App and Digital Tools: Equipped with a user-friendly mobile app and online account management.
Cons:
- Mixed Customer Reviews: Some complaints about customer service and claim-related communication.
- Customer Satisfaction: Issues with claim resolutions and payouts per customer feedback.
- Limited Geographical Coverage: Available in 28 states and the District of Columbia.
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National General Car Insurance
Pros:
- Long-standing Reputation: Operating since 1920 with coverage in all 50 states.
- Case Study Performance: Demonstrated professionalism in claims handling and timely responses.
- Military Discounts: Offers discounts for active-duty and retired military personnel.
- Mobile App and Digital Tools: Provides a user-friendly mobile app and online account management.
Cons:
- Mixed Customer Reviews: Similar to Kemper, some complaints about customer service and claim-related communication.
- Customer Satisfaction: Issues with claim resolutions and payouts per customer feedback.
- Similar Product Offerings: Offers similar coverage and services compared to Kemper.
Opinion: Kemper Car Insurance Edges Out National General
When it comes to choosing between Kemper and National General Car Insurance, the decision ultimately boils down to a variety of factors, including rates, coverage options, discounts, and overall customer satisfaction. While both companies have their strengths, one emerges as the clear winner when all factors are considered.
Rates and Discounts: Kemper and National General both offer a range of discounts, but Kemper stands out with options like a good driver discount and bundling discounts. These discounts can significantly reduce premiums for policyholders, making Kemper an attractive choice for cost-conscious drivers.
Case Study Performance: Kemper’s case study performance in claims handling, particularly the efficiency and smooth settlement process, gives confidence to policyholders that their claims will be handled promptly and professionally. These real-world examples demonstrate the company’s commitment to customer satisfaction.
Ride-Share Coverage: Kemper caters to the evolving gig economy by providing specific coverage for ride-share drivers. This demonstrates a forward-thinking approach to insurance, considering the changing nature of employment and transportation.
While both companies have mixed customer reviews and face similar challenges, Kemper’s competitive rates and extensive discounts, combined with its efficient claims handling, make it the preferred choice. National General’s longstanding reputation and military discounts are commendable but may not be enough to outweigh Kemper’s advantages in terms of rates and service.
Kemper
Kemper, a well-established player in the insurance industry, traces its roots back to 1990 when it was founded. Over the years, it has evolved into a leading provider of not just auto insurance but also home insurance and various financial products.
With a mission to provide affordable and reliable insurance to individuals from all walks of life, Kemper operates in 28 states and the District of Columbia. Its commitment to offering comprehensive coverage and a variety of discounts has contributed to its status as a prominent choice for many policyholders.
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National General
National General, formerly known as the Integon Corporation, boasts an even longer history, dating back to 1920. In 2013, it rebranded itself as National General, cementing its position in the insurance landscape. The company’s mission revolves around providing “exceptional service and insurance solutions at a fair price.”
National General offers coverage in all 50 states, making it a widely accessible choice for customers across the United States. With nearly a century of experience, National General has a reputation for offering comprehensive coverage options and competitive rates, especially to military personnel, whom they provide specific discounts for.
Products and Services
Kemper and National General offer a similar range of auto insurance products, including liability, collision, and comprehensive coverage. Both companies also offer roadside assistance, rental car coverage, and other add-ons.
The cost of Kemper and National General’s services varies depending on several factors, including your driving record, the type of car you drive, and where you live. However, both companies offer discounts that can help you save money on your premiums.
Discounts Available
Kemper offers a variety of discounts, including:
- Multi-car discount
- Good driver discount
- Anti-theft device discount
- Safe driver discount
- Loyalty discount
National General also offers several discounts, including:
- Multi-vehicle discount
- Safe driver discount
- Low mileage discount
- Good student discount
- Homeowner discount
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Case Studies: Kemper vs. National General Car Insurance
Case Study 1: Sarah’s Collision Claim
Sarah, a policyholder with Kemper Car Insurance, was involved in a collision with another vehicle. She promptly filed a claim with Kemper and was impressed with their efficient claims process. Kemper’s representatives were helpful, guiding her through the necessary documentation and ensuring a smooth settlement.
Sarah received the necessary repairs and a fair reimbursement for the damages. Overall, she was satisfied with Kemper’s handling of her collision claim.
Case Study 2: Mark’s Comprehensive Coverage Experience
Mark, a National General Car Insurance policyholder, experienced a severe hailstorm that caused significant damage to his vehicle. With his comprehensive coverage from the National General, Mark was relieved to know that his policy covered hail damage. He reached out to the National General’s claims department, and their representatives promptly assisted him throughout the claim process.
National General arranged for an inspection and provided a reasonable estimate for the repairs. Mark was impressed by their professionalism and timely response, ensuring he could get his car back on the road quickly.
Case Study 3: Lisa’s Discounted Premiums With Kemper
Lisa, a careful driver with a clean record, was looking for car insurance that offered competitive rates. She found Kemper Car Insurance to be an excellent fit for her needs. Kemper provided Lisa with various discounts, including a good driver discount and a bundling discount when she combined her auto insurance with her existing homeowners’ policy.
These discounts significantly reduced her premiums while still offering comprehensive coverage. Lisa appreciated Kemper’s affordability and the opportunity to save on her insurance expenses.
Navigating Kemper vs. National General Claims Process
Ease of Filing a Claim
Kemper and National General both offer convenient options for filing insurance claims. Customers can file claims online through the company websites, over the phone with dedicated claims representatives, and through mobile apps for added flexibility and ease of access.
Average Claim Processing Time
The average claim processing time is a crucial factor for customers seeking swift resolutions. While specific processing times can vary based on the nature of the claim, both Kemper and National General strive to process claims efficiently. Timely handling of claims is a priority for both companies to ensure customer satisfaction.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback provides valuable insights into the effectiveness of the claims process. Both Kemper and National General have received mixed reviews from customers. While many clients appreciate the affordable rates and coverage options, there have been concerns raised about customer service and claim-related communication.
Evaluating customer experiences helps potential policyholders make informed decisions about their insurance provider.
Exploring Digital and Technological Advancements of Kemper vs. National General
Mobile App Features and Functionality
Both Kemper and National General offer mobile apps equipped with user-friendly interfaces. These apps allow customers to manage their policies, file claims, and access important documents from their smartphones or tablets. Features may include digital ID cards, claims tracking, and policy renewal reminders, enhancing overall customer experience.
Online Account Management Capabilities
Online account management portals provided by Kemper and National General offer policyholders convenient access to their insurance accounts. These platforms enable customers to view policy details, update personal information, and make payments online. Secure login systems ensure the privacy and confidentiality of user data.
Digital Tools and Resources
In addition to mobile apps and online account portals, both companies offer digital tools and resources to assist customers. These may include insurance calculators, educational articles, and FAQs to help policyholders understand various aspects of auto insurance.
By providing valuable digital resources, Kemper and National General aim to empower their customers with knowledge, enabling them to make well-informed decisions regarding their insurance coverage.
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Customer Reviews
Kemper and National General both have mixed reviews from customers. On the positive side, customers appreciate the affordable rates and variety of coverage options offered by both companies. However, some customers have complained about poor customer service and difficulty filing claims.
Frequently Asked Questions
Which company is more affordable, Kemper or National General?
The affordability of car insurance depends on various factors, including your location, driving history, and the specific coverage you need. It’s best to obtain quotes from both companies to determine which one offers the most cost-effective option for your circumstances.
Do Kemper and National General provide coverage in all states?
While Kemper operates in 28 states and the District of Columbia, National General offers coverage in all 50 states, providing more extensive geographical reach.
How do customers rate their experiences with Kemper and National General?
Customer reviews vary, with both companies receiving mixed feedback. While many appreciate the affordability and variety of coverage options, some have raised concerns about customer service and communication regarding claims. Evaluating these reviews can help you make an informed decision.
Do Kemper and National General offer specialized insurance products other than car insurance?
Yes, both companies offer a range of insurance products. Kemper provides home insurance and other financial products in addition to car insurance. National General focuses on auto insurance but offers a variety of coverage options within that category.
Are these companies affiliated with specific car insurance providers?
No, both Kemper and National General are not affiliated with any single car insurance provider. They operate independently and strive to provide unbiased information to help you make informed car insurance decisions.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.