Kemper vs National General Car Insurance for 2023

If you’re in the market for car insurance, you’ve probably heard of Kemper and National General. Both companies offer a variety of coverage options, discounts, and other benefits to their customers. But which one is right for you? In this review, we’ll take a closer look at Kemper vs National General Car Insurance to help you make an informed decision.

Interesting Attributes of Kemper Car Insurance and National General Car Insurance:

Before we dive into the details of each company, let’s take a look at some interesting attributes of Kemper and National General:

• Kemper offers a unique “Ride Share” insurance option for drivers who work for companies like Uber and Lyft.
• National General offers a “SmartDiscount” program that can save you up to 40% on your car insurance premiums.
• Both companies have mobile apps that make it easy to manage your policy, file claims, and get roadside assistance.

Company History and Mission:

Kemper was founded in 1990 and has since grown into a leading provider of auto insurance, home insurance, and other financial products. The company’s mission is to provide affordable, reliable insurance to people from all walks of life. Kemper offers coverage in 28 states and the District of Columbia.

National General, on the other hand, has been around since 1920. Originally known as the Integon Corporation, the company changed its name to National General in 2013. National General’s mission is to provide “exceptional service and insurance solutions at a fair price.” The company offers coverage in all 50 states.

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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 a number of 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 a number of discounts, including:

• Multi-vehicle discount
• Safe driver discount
• Low mileage discount
• Good student discount
• Homeowner discount

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.

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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 National General, Mark was relieved to know that his policy covered hail damage. He reached out to 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.

FAQs:

Q: Which company is cheaper, Kemper or National General?

A: The cost of insurance varies depending on a number of factors, including your driving record and where you live. We recommend getting quotes from both companies to see which one offers the best rates for you.

Q: Does Kemper offer any discounts for ride-share drivers?

A: Yes, Kemper offers a “Ride Share” insurance option that is specifically designed for drivers who work for companies like Uber and Lyft.

Q: Does National General offer any discounts for military personnel?

A: Yes, National General offers a military discount for active-duty and retired military personnel.