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Region | Kemper | USAA |
---|---|---|
Southwest | -- |
887 pt
Among the best
|
Southeast | -- |
894 pt
Among the best
|
Texas | -- |
899 pt
Among the best
|
Central | -- |
906 pt
Among the best
|
Mid-Atlantic | -- |
896 pt
Among the best
|
New England | -- |
893 pt
Among the best
|
Florida | -- |
888 pt
Among the best
|
California | -- |
894 pt
Among the best
|
New York | -- |
900 pt
Among the best
|
North Central | -- |
905 pt
Among the best
|
Northwest | -- |
896 pt
Among the best
|
Discount Type | Kemper | USAA |
---|---|---|
Anti-Theft Device Discount |
Varies
|
up to 20% |
Mature driver discount |
Varies
|
-- |
Multiple Policy Discount |
Varies
|
up to 9% |
Home Owner Discount |
Varies
|
-- |
Preferred payment discount |
Varies
|
-- |
Prior carrier discount |
Varies
|
-- |
Paid in full discount |
Varies
|
-- |
Passive Restraint Discount |
Varies
|
up to 15% |
Multiple Vehicle Discount |
Varies
|
up to 13% |
Driving training discount |
Varies
|
Varies |
Good Student Discount |
Varies
|
Varies |
Student Away at School Discount |
Varies
|
up to 20% |
Anti-lock Brake Discount |
Varies
|
Varies |
Vehicle Storage Discount |
--
|
up to 60% |
Military Discount |
--
|
up to 15% |
Family Discount |
--
|
up to 10% |
Good Driver Discount |
--
|
up to 10% |
Accident Forgiveness |
--
|
Varies |
Daytime Running Lights Discount |
--
|
Varies |
teenSMART Discount |
--
|
Varies |
New Car Discount |
--
|
Varies |
Loyalty Discount |
--
|
Varies |
Low Mileage Discount |
--
|
Varies |
Defensive Driver Discount |
--
|
Varies |
Product | Kemper | USAA |
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I had this insurance company and had a semi head on collide with me (he went into my lanr, ruled a DUI and then a passenger car rear ended me to finish off the crash, I was pregnant and taken to the hospital. The amount of times i had to call Kemper was unbelievable, and they still did not get the money owed by the other insurance companies involved AAA & State Farm. Those companies ignored me until i sent demand letters threatening lawsuits. Kemper will not help you.
I had this insurance company and had a semi head on collide with me (he went into my lanr, ruled a DUI and then a passenger car rear ended me to finish off the crash, I was pregnant and taken to the hospital. The amount of times i had to call Kemper was unbelievable, and they still did not get the money owed by the other insurance companies involved AAA & State Farm. Those companies ignored me until i sent demand letters threatening lawsuits. Kemper will not help you.
Rates are reasonable, customer service is knowledgeable, and they offer multiple services. They also paid quickly on a claim I filed.
I was a customer of USAA for years, then discovered that they had someone else's car on my policy (and had removed my car). When I spoke to them about it, they said that if they had to research it find out whose fault it is, that they would retroactively raise my rates for the past two years - even though my car is 4 years older than they can that was insured. Amazing how quickly the conversation turned from "lets see what's happening" to "we need to cover our ass and make this issue go away". This isn't doing what's right for the customer. As a result, I shopped them and discovered that I could get identical coverage with another national insurance carrier for half the annual cost.
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March 1, 2018