Comparing quotes is the best way to get the lowest rates from top insurers like Esurance and Kemper. QuoteWizard is an independent company that helps you find the right policy at the best rate.
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.
However, 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.
| Best If |
Esurance
|
Kemper
|
| Worst If |
Esurance
|
Kemper
|
|
Esurance
There are a few discounts unique to Esurance that stand out. We’ll provide you with more information on these discounts below. Fast 5 DiscountThis 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. Paid-in-Full DiscountThis discount saves you 10 percent off your premium if you pay the full amount instead of monthly payments. Switch & Save DiscountThis 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 DiscountYou 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. Pac-12 DiscountYou can get this discount if you attended or are an alum of a Pac-12 school. |
Kemper |
| Bundling Coverage Discounts | Esurance | Kemper |
|---|---|---|
| Multi-Car | ||
| Home and Car | ||
| Car and Life | ||
| Vehicle Type and Safety Features | Esurance | 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 | Esurance | Kemper |
| Accident Free/Good Driver | ||
| Prior Insurance | ||
| Long Term Policy Holder | ||
| Defensive Driving Course | ||
| Student, Professional, and Club Memberships | Esurance | Kemper |
| Affinity Group | ||
| College Graduate | ||
| Good Student | ||
| Resident Student | ||
| Organization or Club Membership | ||
| Farm Bureau Member | ||
| Military | ||
| Special Circumstances | Esurance | Kemper |
| Telematics Device | ||
| Low Mileage | ||
| Short Commute | ||
| Days Per Week Driven | ||
| Other Discounts | Esurance | Kemper |
| Married | ||
| Paid in Full | ||
| Advance Renewal | ||
| Electronic Funds Transfer | ||
| Senior Driver | ||
| 55 and Retired |
| Esurance Auto Insurance | Kemper Insurance | |
|---|---|---|
| 2016 | 48 | 14 |
| 2015 | 67 | 19 |
| 2014 | 47 | 13 |
| 2013 | 43 | 14 |
| Esurance Auto Insurance | Kemper Insurance | |
|---|---|---|
| Overall Purchase Experience | Average | |
| Policy Offerings | Average | |
| Pricing | Average | |
| Local Agent | Average | |
| Call Center Representative | -- | |
| Insurer Website | Among the best |
| Esurance Auto Insurance | Kemper Insurance | |
|---|---|---|
| Overall Satisfaction | Below average | |
| First Notice of Loss | Below average | |
| Service Interaction | Below average | |
| Appraisal | Below average | |
| Repair Process | Below average | |
| Rental Car Experience | Below average | |
| Settlement | Below average |
| Esurance Auto Insurance | Kemper Insurance | |
|---|---|---|
| A.M. Best | A+ | A- |
| Moody's | -- | -- |
| S&P's | -- | A- |
Esurance
Esurance MobileThis 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. Click here to download the app for iPhone or Android. |
Kemper
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. Download the Kemper Photo/Express Inspection app for Android. |
Esurance
Esurance Emergency Road Service coverageEsurance 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
Kemper Direct Roadside Assistance and TowingKemper 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. Services Covered
Contact Phone NumberCall 877.268.7416 for Roadside Assistance or Towing. Please have your membership card handy. |