Compare Allied vs. Kemper Insurance

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Allied and Kemper are two well known names in the insurance world. Allied was founded in 1929, and Kemper was founded in 1990. Allied is well liked for their practical and affordable rates not to mention their great service and excellent products. Meanwhile, Kemper is well liked amongst high-risk drivers who want affordable insurance rates.

However, Kemper has a habit of prolonging the claims process and Allied’s online payment system can be difficult to use. Nonetheless, both of these companies are financially stable and have an array of auto discounts for customers.

So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  Allied Kemper
Best If Allied
  • You want practical and affordable insurance rates
Kemper
  • You have a flawed record but need affordable premiums
Worst If Allied
  • You’re looking for good customer service and as easy online payment system
Kemper
  • You want a fast claims process

Special Car Insurance Discounts

Allied Kemper
Allied

Allied Extra

Bundling your home and auto insurance policies can grant you access to Allied Extra. It’s completely free and also another way to help you save money on your insurance policies. Features of Allied Extra include:

  • A single deductible
    • In the event that both your home and auto are affected, this feature allows you to only pay one deductible for a covered claim
  • Bonus emergency lockout coverage
    • If you find yourself locked out of your car, Allied Extra provides this coverage for locksmith charges
  • Bonus airbag replacement
    • Allied will pay for new airbags if yours deploy accidentally
  • Bonus accidental death benefit
    • You’ll be paid up to $10,000 in the event that you get into a fatal car accident with your insured vehicle

Allied Rewards

Allied Rewards provides you with even more discounts for your auto insurance, such as:

  • Forgiveness
    • If you’re a driver with a good driving history, Allied doesn’t see a reason to penalize you if a small accident occurs. Allied Rewards provides accident forgiveness for safe drivers.
  • Good-As-New
    • This coverage will help you pay off your loan and get a new car if your car gets totaled. To receive money to pay for a brand new vehicle, your totaled car must be three years old or younger.
  • Roadside Assistance
    • Allied Insurance will be there for you not only online but also out on the road. With roadside assistance, you can receive emergency help such as towing, lockout assistance, and jump starts so you’re never left behind.
  • Deductible savings rewards
    • You can get a significant deductible just by driving safely and being a loyal Allied customer. The Total Loss Deductible Waiver also makes it so that you don’t have to pay your deductible in the event that your car is totaled.
Kemper

Standard Car Insurance Discounts

Bundling Coverage Discounts Allied Kemper
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Allied Kemper
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History Allied Kemper
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Allied Kemper
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Allied Kemper
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Allied Kemper
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Allied Insurance Kemper Insurance
2016 4 14
2015 4 19
2014 3 13
2013 1 14

U.S. Auto Insurance Shopping Study (2016)

Allied Insurance Kemper Insurance
Overall Purchase Experience Above average
Policy Offerings Average
Pricing Average
Local Agent Above average
Call Center Representative --
Insurer Website Average

U.S. Auto Insurance Claims Satisfaction Study (2015)

Allied Insurance Kemper Insurance
Overall Satisfaction
First Notice of Loss
Service Interaction
Appraisal
Repair Process
Rental Car Experience
Settlement

Financial Strength Ratings

Allied Insurance Kemper Insurance
A.M. Best A+ A-
Moody's A2 --
S&P's AA A-

Mobile Apps

Allied Kemper
Allied

The Allied Mobile App lets you access all the details of your insurance policy from your mobile device. You can use it to file or view claims, pay your premiums, connect with your agent, and contact roadside assistance. To download the app for your smartphone, click here

Kemper

Kemper Photo/Express Inspection is an app for your mobile device that lets you submit photos of your vehicle damage after you file a claim. By uploading photos of your damages through the app, you’ll get faster claims service as a result.

To download the app for Android, click here.

Roadside Assistance

Allied Kemper
Allied

Allied Rewards – Roadside Assistance

Allied Insurance will be there for you not only online but also out on the road. With roadside assistance, you can receive emergency help such as towing, lockout assistance, and jump starts so you’re never left behind.

Allied Roadside Assistance covers everyone insured on your policy, regardless if the car in trouble isn't listed on the policy. Allied offers a Basic and Plus roadside package that both include Cross Country Perks, giving drivers discounts on dining, entertainment, pets, travel and more.

Plus coverage comes with trip interruption coverage that kicks in when you're more than 100 miles from home and gives you an allowance for a rental car, lodging and food.

Roadside Assistance- Basic

(costs about $10 per 6 month policy period)

  • Towing up to 15 miles
  • Gas delivery
  • Lockout service
  • Jump starts
  • Flat tires
  • Cross Country Perks

Roadside Assistance – Plus

(costs about $20 per 6 month policy period)

  • Towing up to 100 miles
  • Trip interruption coverage
  • Turn-by-turn directions
  • Pre-trip map routing
  • Gas delivery
  • Lockout service
  • Jump starts
  • Cross Country Perks

Contact Phone Number

Call the Allied Roadside Assistance hotline: 800-282-1446

Kemper

Kemper Direct Roadside Assistance and Towing

Kemper will give you the help you need when you’re out on the road with multiple services such as flat tire change or dead battery replacement. 

Direct Roadside Assistance works to service your broken down vehicle. It's purchased through your existing auto insurance policy. Towing services are reimbursed by filing a claim for towing costs.

Services Covered

  • Towing
  • Replace Flat Tire With Spare
  • Gas Delivery
  • Lockout Service

Contact Phone Number

Please have your Roadside Assistance Membership Card handy and call 877.268.7416 to arrange for Roadside Assistance or Towing