Esurance and Kemper are two widely-used insurance companies with their respective policies and discounts on auto insurance. Esurance was founded in 1999, while Kemper was founded in 1990. Both companies rank well for financial strength as well as offer a lot of discounts.
owever, consumers have complained about Kemper raising their premiums, and Esurance consumers have criticized the company for its faulty roadside assistance and limited payment options. Still, many customers like Kemper for its low premiums for high-risk drivers, and Esurance comes out strong for J.D. Power ratings, a strong online platform, and good customer service.
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.
There are a few discounts unique to Esurance that stand out. We’ll provide you with more information on these discounts below.
Fast 5 Discount
This discount gives you 5 percent off of your first-term premium for auto insurance. All you have to do to get this discount is start a quote online at esurance.com.
This discount saves you 10 percent off your premium if you pay the full amount instead of monthly payments.
Switch & Save Discount
This discount saves you up to 5 percent off your premium for the first two policy terms. You can get this discount when you switch to Esurance from your current insurer.
Emergency Road Assistance Discount
You can get this discount when you buy emergency road assistance from a different provider like AAA. It can can save you up to 5 percent on your premium.
You can get this discount if you attended or are an alum of a Pac-12 school. Find out more about this unique discount here.
|Bundling Coverage Discounts||Esurance||Kemper|
|Home and Car|
|Car and Life|
|Vehicle Type and Safety Features||Esurance||Kemper|
|Electronic Stability Control (ESC)|
|Farm or Ranch Vehicle|
|Driving Record and Insurance History||Esurance||Kemper|
|Accident Free/Good Driver|
|Long Term Policy Holder|
|Defensive Driving Course|
|Student, Professional, and Club Memberships||Esurance||Kemper|
|Organization or Club Membership|
|Farm Bureau Member|
|Days Per Week Driven|
|Paid in Full|
|Electronic Funds Transfer|
|55 and Retired|
|Overall Purchase Experience||Average|
|Call Center Representative||--|
|Insurer Website||Among the best|
|Overall Satisfaction||Below average|
|First Notice of Loss||Below average|
|Service Interaction||Below average|
|Repair Process||Below average|
|Rental Car Experience||Below average|
This app lets you take care of your insurance anytime and anywhere. View your insurance ID cards, file a claim, track claim status, and pay your premiums directly from your mobile device. Esurance Mobile makes managing your insurance fast, smart, and easy. To download the app for iPhone or Android, click here.
Kemper Photo/Express Inspection lets you submit photos of your vehicle damage after you file a claim. By uploading photos of your damages with the app, you’ll get faster claims service.
To download the app for Android, click here.
Esurance Emergency Road Service coverage
Esurance offers free roadside assistance 24/7. The company pays up to $75 per incident toward:
Roadside assistance is free if you select comprehensive and collision coverage for a vehicle on your insurance policy.
Emergency Road Service offers free rescue tracking. It uses your smartphone to give the service provider your exact location. It will also give you updates on their ETA.
Emergency Road Service is only eligible for Esurance covered vehicles.
Roadside Assistance Phone: 1 (888) 374-6472
Kemper Direct Roadside Assistance and Towing
Kemper Direct includes services like flat tire change or dead battery replacement.
Direct Roadside Assistance works to service your broken down car. You can get it through your existing auto insurance policy. Towing services are reimbursed by filing a claim for towing costs.
Contact Phone Number
Call 877.268.7416 for Roadside Assistance or Towing. Please have your membership card handy.