Compare Country Financial vs. Kemper Insurance

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Country Financial and Kemper are two big names in the world of auto insurance. Country Financial was founded in 1925, and Kemper was founded in 1990. While, Country Financial provides customers with a simple online platform, Kemper provides customers with bad driving records affordable insurance rates. On the other hand, Kemper clients complained that their rates went up without advanced notice, and Country Financial clients complained that they didn’t return calls or renew their policies. Still, both companies have A+ ratings from the Better Business Bureau. 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

  Country Financial Kemper
Best If Country Financial
  • You want good discounts and a simple online platform
Kemper
  • You have a flawed record but need affordable premiums
Worst If Country Financial
  • You want an extensive online quote system--Country Financial’s is quite limited
Kemper
  • You want a fast claims process

Special Car Insurance Discounts

Country Financial Kemper
Country Financial Kemper

Standard Car Insurance Discounts

Bundling Coverage Discounts Country Financial Kemper
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Country Financial 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 Country Financial Kemper
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Country Financial Kemper
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Country Financial Kemper
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Country Financial Kemper
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Country Financial Car Insurance Kemper Insurance
2016 4 14
2015 2 19
2014 2 13
2013 4 14

U.S. Auto Insurance Shopping Study (2016)

Country Financial Car Insurance Kemper Insurance
Overall Purchase Experience
Policy Offerings
Pricing
Local Agent
Call Center Representative
Insurer Website

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

Country Financial Car Insurance Kemper Insurance
Overall Satisfaction Average
First Notice of Loss Average
Service Interaction Above average
Appraisal Average
Repair Process Average
Rental Car Experience Average
Settlement Below average

Financial Strength Ratings

Country Financial Car Insurance Kemper Insurance
A.M. Best A+ A-
Moody's -- --
S&P's -- A-

Mobile Apps

Country Financial Kemper
Country Financial

Snap N Send by Country Financial is an app that lets you record your Vehicle Identification Number (VIN) and take photos of the damages to your vehicle. You can then send the photos to Country Financial and get a repair estimate within minutes. To download Snap N Send, 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

Country Financial Kemper
Country Financial

COUNTRY FINANCIAL Road Service

COUNTRY Road Service coverage on your policy will cover up to $100 for a tow to the nearest service center. Also, pay up to $100 for locksmith services and gas delivery.

Services Covered

  • Towing
  • Locksmith
  • Gas deliver

Contact Phone Number

For towing or other roadside services, you can call 866-COUNTRY (866-268-6879).

Roadside assistance is available 24 hours a day, 7 days a week.

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