Compare The General vs. Kemper Insurance

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The General and Kemper are two well-known insurance companies in the world of insurance. The General was founded in 1963, 27 years later Kemper was founded in 1990. Kemper is best known for its umbrella policy and buy-direct option for insurance policies, while The General is best known for its online quoting system.

However, The General has subpar customer service and Kempers has habit of prolonging the claims process. Still, both companies provide high-risk drivers or drivers with less than perfect driving records with practical and affordable insurance rates.

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

  The General Kemper
Best If The General
  • You don’t have a perfect driving record but still want affordable insurance rates
Kemper
  • You have a flawed record but need affordable premiums
Worst If The General
  • You want good customer service and consistency
Kemper
  • You want a fast claims process

Special Car Insurance Discounts

The General Kemper
The General Kemper

Standard Car Insurance Discounts

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

Consumer Complaint Data

The General Insurance Kemper Insurance
2016 13 14
2015 14 19
2014 3 13
2013 4 14

U.S. Auto Insurance Shopping Study (2016)

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

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

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

Financial Strength Ratings

The General Insurance Kemper Insurance
A.M. Best A- A-
Moody's -- --
S&P's -- A-

Mobile Apps

The General Kemper
The General

The General Mobile App grants users easy access to their policy info on their mobile devices. It also lets them pay their insurance premiums, view their insurance ID cards, and even get a quote.

To download the app for iPhone, click here. To download the app for Android, 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

The General Kemper
The General

The General 24/7 Roadside Assistance

The General's roadside assistance plan is provided thru a partnership with Nation Safe Driver (NSD). Roadside assistance isn't purchased with you General auto insurance policy, it's a membership with Nation Safe Driver. Plans cost $10/month.

Services Covered

  • Towing
  • Battery service
  • Fuel delivery
  • Lock-out service
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