Kemper Direct

Author: Kaitlyn Short

Kemper Direct is part of the Kemper family of companies that makes up one of the nation's leading insurers. There are over 6,000 dedicated Kemper associates available to help customers in need. Kemper Direct is represented by more than 20,000 independent agencies which sell insurance nationwide. With over $8 billion in assets, Kemper is able to provide personalized and custom insurance solutions to individuals, families, and businesses.

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The Good

• Coverage and enhancements
• Policy management
• Auto discounts

Coverage and Enhancements

In addition to providing standard coverage to their clients (such as collision or liability coverage), Kemper Direct has developed coverage and enhancement plans to provide a more comprehensive coverage. There are three different plans and coverage options. All can be purchased if desired. Coverage and enhancement plans include: Protect Your Wallet, Protect Your Sanity, and Protect Your Family plans. Details for what each plan covers can be found below in the more information section.

Policy Management

In years past, auto insurance customers had to reach out to a claims specialist following an accident in order to get their money they need to cover various costs. However, with Kemper Direct, a customer can manage their account entirely online. That means bills can be paid, policy terms can be reviewed and renewed, and claims can be filed at any time. Claims can also be tracked as they go through the various steps leading up to reimbursement.

Auto Discounts

In an effort to make premiums and monthly payments more affordable, Kemper Direct provides a number of auto insurance discounts. That being said, the customer must be eligible and meet various requirements for the discounts to be applied. Discounts include: multi-policy discount, network discount, free-a-tree discount, happily married discount, preferred payer discount, retro loyalty discount, and the safe and sound discount.

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The Bad

• Available in only half of the country
• Higher rates

Availability

While Kemper Direct claims to offer a national service, they only operate in twenty-six states. States where Kemper Direct can be found include: Arizona, California, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Maryland, Minnesota, Missouri, Nevada, New Jersey, New York, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, Washington, and Wisconsin.

Higher Rates

Kemper Direct may not be the most affordable or "cheap" auto insurance option. While they offer high quality coverage, their rates also depict that service. On average, Kemper Direct rates are a bit higher than other providers.

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The Bottom Line

Kemper Direct provides auto and home insurance to half of the United States. They provide a number of coverage options and discounts to their customers. Residents in one of the twenty-six operational states would likely benefit from conducting further research into the Kemper Direct service. Specific rate information will be available after a free quote is obtained.