Is Kemper Auto Insurance Good for New York Drivers?
Last Updated on July 29, 2021
When it comes to buying car insurance in New York, there are plenty of providers to choose from. With so many options, it can be difficult to determine which one is going to be the best for you. Kemper is one of the many car insurance providers that offers coverage for New York residents. Here’s what you need to know about Kemper car insurance in New York before signing up.
About Kemper Corporation
Kemper is a relatively new insurance provider, as they were founded in 1990 as a spinoff of a larger conglomerate. They are currently considered one of the fastest-growing insurance companies in the United States. Kemper is currently based in Chicago, Illinois, but offers coverage in all 50 states. In addition to car insurance, they also offer property insurance, life insurance, and health insurance. Kemper focuses on providing car insurance for those who might have a hard time finding it otherwise, such as high-risk drivers and teens.
|Kemper Insurance Company Information|
|Address||200 East Randolph Street, Suite 3300
Chicago, IL 60601
Kemper Car Insurance Coverage
Kemper provides all of the standard car insurance coverage that you’ll need to drive in New York. This includes coverage that is legally required, such as liability coverage, as well as many coverage types that are highly recommended. These include collision, comprehensive, uninsured motorist, personal injury protection, and medical payments coverage.
Kemper caters to high-risk drivers, which means that they will provide SR-22 coverage to drivers who need it. After multiple accidents, a DUI, or another serious driving violation, the government may require you to have an SR-22 certificate from your insurance company in order to drive. Many insurance companies will not provide SR-22 certificates, which makes Kemper a good option for those who need this type of coverage. Kemper can also provide coverage for cars that are often deemed ‘too risky’ for car insurance coverage, such as salvage title vehicles.
Kemper also has some types of add-on coverage that you can use to customize your policy. This includes a roadside assistance program, which provides emergency services like towing, locksmith services, tire changes, fuel delivery, and more. They also offer gap insurance, which covers the remaining costs of your loan or lease if your car is totaled. On top of that, you can opt for new car replacement coverage, which will cover the cost of a new car if yours is totaled shortly after purchase.
Additionally, Kemper offers a few unique car insurance options that you might not find with other insurance companies. This includes Kemper Total, which offers complete coverage for new car owners. This package combines a number of different insurance benefits, most notably a robust new car replacement option. Kemper also offers broad-form coverage, which is a unique type of policy that covers the driver rather than the car. This could be a good option for families who often share cars.
Finally, Kemper offers an enhanced coverage package called Kemper Prime Auto Enhanced. This package combines several popular coverage types, as well as some unique features that you won’t find on Kemper’s other policies. These include a diminishing deductible, accident forgiveness, coverage for trip interruptions, key replacement, and more.
Kemper Pricing and Discounts
Kemper’s pricing can vary widely depending on your personal demographics, as well as other factors like the car you drive and your driving history. While they are generally cheaper than their competitors on average, they aren’t going to be the cheapest option for every driver. Kemper’s pricing is generally very affordable for teenagers and drivers in their early twenties, making them an affordable choice for families. However, their prices for senior drivers tend to be higher than their competitors.
One area where Kemper stands out from its competitors is its discount options. They offer a wide range of discount options for their customers to help them save money. When signing up, be sure to ask your agent for a full list of discounts to make sure you aren’t missing any potential savings. Some of the discounts they offer include multi-car discounts, discounts for paying your bill in full upfront, and discounts for bundling your auto insurance with other types of insurance. They also offer discounts for using anti-theft devices and taking other safety measures, as well as discounts for owning a home or having renter’s insurance.
On top of that, Kemper also offers a variety of family-friendly discounts, which is another reason why they are such a great option for families with teen drivers. These include discounts for being a good student, having a student away at school, and taking driver training courses. Finding an insurance policy for teen drivers can be expensive, but these discounts can help to make it more affordable.
Kemper Financial Stability Ratings
Kemper currently has an A- rating from AM Best, an organization that rates the financial stability of insurance companies and other financial institutions. While this isn’t the highest rating available, it does indicate that Kemper can pay their claims regardless of the current economic climate. You should always check an insurance company’s financial stability before signing up for a policy.
Kemper Customer Service
Customer service is an area where Kemper tends to fall short. Their complaint ratio is higher than average for a company of their size. While they have an A+ rating from the Better Business Bureau, they consistently receive less-than-stellar reviews on the BBB website. Most of these reviews and complaints cite slow response times from their claims department.
Kemper does have a website where you can manage most aspects of your policy. Through their website, you can get a quote, pay your bill, or even start a claim. They also have a 24/7 hotline that you can call to start a claim.
Advantages of Kemper
The biggest advantage of using Kemper for your car insurance in New York is that they typically provide the most affordable rates for young drivers. This makes them a good choice for families with teenagers learning to drive. They also provide SR-22 coverage, which can be difficult to find at many other insurance companies.
Disadvantages of Kemper
Where Kemper falls short in comparison to other insurance companies is their customer service. When compared to other car insurance companies of the same size, they tend to receive a higher number of complaints and are known for their slow response times.
Overall, Kemper is an affordable choice for car insurance in New York. While they aren’t going to be the best choice for everyone, they do provide reliable coverage for those who might otherwise struggle to get it, like new drivers or those who need SR-22s.