Compare Foremost v.s Kemper Insurance

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Foremost and Kemper are two top-rated companies in the insurance industry. Foremost was founded in 1952 and Kemper was founded in 1990. Foremost is known for having a variety of coverage options, while Kemper is known for providing practical insurance premiums to high-risk drivers. However, Kemper has a habit of raising rates without any advanced notice. Both companies provide insurance to high-risk drivers, but Foremost chargers more for premiums for this reason. Still, both companies have excellent financial strength. 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

  Foremost Kemper
Best If Foremost
  • You want a variety of coverage options
Kemper
  • You have a flawed record but need affordable premiums
Worst If Foremost
  • You want a fast claims and pay-out process
Kemper
  • You want a fast claims process

Special Car Insurance Discounts

Foremost Kemper
Foremost Kemper

Standard Car Insurance Discounts

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

Consumer Complaint Data

Foremost Car Insurance Kemper Insurance
2016 65 14
2015 98 19
2014 87 13
2013 97 14

U.S. Auto Insurance Shopping Study (2016)

Foremost Car Insurance Kemper Insurance
Overall Purchase Experience Average
Policy Offerings Average
Pricing Average
Local Agent Average
Call Center Representative --
Insurer Website Below average

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

Foremost 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 Average

Financial Strength Ratings

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

Mobile Apps

Foremost Kemper
Foremost 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

Foremost Kemper
Foremost

Foremost Towing and Roadside Service Coverage

With the additional Towing and Roadside coverage will get you roadside service on covered vehicles, but could be subject to a maximum policy limit.

Foremost offers towing and other roadside services to its customers. It also will cover any roadside costs for you subject to a maximum limit on your auto policy.

Services Covered

  • Towing
  • Battery service
  • Tire change
  • Gas delivery

Contact Phone Number

You can call Foremost 24-Hour Roadside Assistance at 1 (800) 554-6678.

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