Kemper vs Root Car Insurance for 2023

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

Kemper Car Insurance

Pros:

• Long-standing Reputation: Established in 1990, it has a considerable history in the insurance industry.
• Wide Coverage: Available in 27 states across the US, offering various insurance products, including personal and commercial auto, home, and renters insurance.
• Discount Options: Offers discounts for safe driving, multi-car policies, and bundling, potentially lowering costs for customers.

Cons:

• Mixed Customer Feedback: Varied reviews with complaints about claims processing and policy management difficulties.
• Higher Complaint Index: According to NAIC, had a complaint index of 1.82 in 2020, above the national average.

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Root Car Insurance

Pros:

• Innovative Approach: Utilizes telematics for personalized insurance rates based on driving behavior, potentially offering fairer premiums.
• Lower Complaint Index: Received a lower complaint index of 0.82 in 2020, below the national average.
• Available in More States: Accessible in 30 states across the US, offering various coverage options.

Cons:

• Technical Issues: Some customers reported problems with the mobile app and claims processing.
• Legal Dispute: Currently involved in a legal dispute with Kemper, which might impact the company and potentially policyholders.

Best Car Insurance Company: Root Car Insurance

When evaluating the best car insurance company between Kemper and Root, Root Car Insurance emerges as the top choice. Root’s innovative approach to insurance, based on telematics and personalized rates, sets it apart in the industry. 

Fair and Personalized Rates: Root Car Insurance uses telematics to determine rates, taking into account individual driving behavior, time of day, and location. This data-driven approach means that customers are more likely to receive rates that accurately reflect their specific driving habits. It’s a departure from traditional one-size-fits-all pricing and can result in substantial savings for safe drivers.

Lower Complaint Index: According to the National Association of Insurance Commissioners (NAIC), Root Car Insurance received a lower complaint index of 0.82 in 2020, which is below the national average. This indicates a higher level of customer satisfaction and fewer issues reported compared to Kemper.

Innovative Technology: Root Car Insurance offers a user-friendly mobile app that allows customers to manage their policies, file claims, and access digital ID cards with ease. The company also employs digital tools and resources to assist policyholders in estimating insurance needs and provides educational resources on safe driving.

While Kemper has a long-standing history and offers a range of insurance products, it has received mixed reviews from customers, with complaints about claims processing and policy management difficulties. The higher complaint index raises concerns about customer satisfaction.

Kemper

Kemper has a substantial history dating back to its establishment in 1990. Over the years, it has grown into a prominent provider of personal and commercial auto insurance, home insurance, and related products.

The company’s mission revolves around offering affordable and reliable insurance solutions to its customers, aiming to provide peace of mind when it comes to safeguarding their assets and financial well-being. With coverage available in 27 states across the United States, Kemper has become a well-recognized name in the insurance industry.

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Root

Root Car Insurance is a relatively new entrant to the market, founded in 2015. What sets Root apart is its pioneering approach to insurance. It leverages telematics to determine rates, assessing factors like individual driving behavior, the time of day, and location to tailor premiums to the specific needs of each driver.

Root’s mission is to make car insurance fair by using data and technology to accurately gauge the risk of insuring each driver. With services available in 30 states across the United States, Root has quickly gained attention for its innovative and data-driven approach to insurance.

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.

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Case Studies: Kemper vs. Root Car Insurance 

Case Study 1: Finding Affordable Coverage for a Teenage Driver

The Smith family consists of parents, John and Lisa, and their 16-year-old son, David, who just got his driver’s license. They are looking for car insurance coverage that is affordable and provides adequate protection for their teenage driver.

After comparing quotes from various insurance providers, they find that SafeRide Insurance offers a usage-based insurance policy with a significant discount for safe driving behavior. They decide to enroll David in the program and benefit from the cost savings while promoting responsible driving habits.

Case Study 2: Switching to a Telematics-Based Insurance for Lower Premiums

Mr. and Mrs. Johnson have been insured with Kemper Car Insurance for several years but are interested in exploring other options to potentially lower their insurance premiums. They come across Root Car Insurance, which offers a telematics-based model that takes driving behavior into account.

Intrigued by the potential savings, they decide to switch their coverage to Root Car Insurance. Through the telematics program, they are able to demonstrate their safe driving habits and qualify for a discounted premium, reducing their overall insurance costs.

Case Study 3: Mixed Experiences With a Traditional Insurance Provider

The Thompson family has been insured with Kemper Car Insurance for several years, but they have experienced some challenges with the company. When they were involved in an accident, they found the claims process to be lengthy and complicated. Additionally, they faced difficulties when trying to make changes to their policy or cancel it.

Dissatisfied with the overall customer experience, they decide to explore other options and discover the benefits of SafeRide Insurance. They appreciate the transparency and ease of managing their policy through the usage-based app, as well as the responsive customer service. The Thompson family decides to switch their coverage to SafeRide Insurance, finding a better fit for their needs.

Kemper vs. Root Claims Processing Overview

Ease of Filing a Claim

When it comes to the claims process, both Kemper and Root Car Insurance offer convenient options for policyholders. You can file a claim with both companies online through their respective websites or mobile apps, providing a user-friendly and efficient way to report an incident. Additionally, both insurers offer the option to file claims over the phone for those who prefer a more traditional approach.

Average Claim Processing Time

The speed at which insurance companies process claims is a crucial factor for customers. Kemper and Root Car Insurance aim to streamline this process as much as possible. On average, both companies strive to process claims promptly to ensure policyholders receive the necessary assistance in a timely manner.

However, the actual processing time may vary depending on the complexity of the claim and individual circumstances.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback plays a significant role in evaluating an insurance company’s performance in handling claims. Policyholders have varying experiences when it comes to claim resolutions and payouts. Some may find the process smooth and satisfactory, while others may encounter challenges.

It’s important to consider customer reviews and ratings when assessing how well Kemper and Root Car Insurance handle claims to make an informed decision about your insurance provider.

Unveiling Digital and Technological Features of Kemper vs. Root

Mobile App Features and Functionality

In the digital age, insurance companies offer mobile apps to enhance the customer experience. Kemper and Root Car Insurance are no exception. Both companies provide mobile apps that offer a range of features and functionality to policyholders.

These apps allow customers to manage their policies, view billing information, report claims, and even access digital ID cards conveniently from their smartphones. Evaluating the usability and features of these apps can help you determine which insurer aligns better with your digital preferences.

Online Account Management Capabilities

Online account management is a key aspect of modern insurance. Policyholders value the ability to access their accounts, make payments, and update their information online. Both Kemper and Root Car Insurance provide online account management capabilities through their websites.

This allows customers to perform tasks such as updating contact information, changing coverage options, and reviewing policy documents at their convenience.

Digital Tools and Resources

In addition to mobile apps and online account management, insurers offer various digital tools and resources to assist policyholders. These tools may include calculators for estimating insurance needs, educational resources on topics like safe driving, and access to policy documents and forms.

Evaluating the availability and usefulness of these digital resources can help you determine which insurer provides the digital support that aligns with your needs and preferences.

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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.

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