Comparing quotes is the best way to get your lowest rates from top insurers like Foremost and Kemper. QuoteWizard is an independent company that helps you find your right policy at your best rate.
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 |
Foremost
|
Kemper
|
| Worst If |
Foremost
|
Kemper
|
| 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 |
| Foremost Auto Insurance | Kemper Insurance | |
|---|---|---|
| 2016 | 65 | 14 |
| 2015 | 98 | 19 |
| 2014 | 87 | 13 |
| 2013 | 97 | 14 |
| Foremost Auto Insurance | Kemper Insurance | |
|---|---|---|
| Overall Purchase Experience | Average | |
| Policy Offerings | Average | |
| Pricing | Average | |
| Local Agent | Average | |
| Call Center Representative | -- | |
| Insurer Website | Below average |
| Foremost Auto 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 |
| Foremost Auto Insurance | Kemper Insurance | |
|---|---|---|
| A.M. Best | A | A- |
| Moody's | -- | -- |
| S&P's | A+ | A- |
| Foremost |
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. |
Foremost
Foremost Towing and Roadside Service CoverageThe extra Towing and Roadside coverage will get you roadside service on covered vehicles. But you 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
Contact Phone NumberCall Foremost 24-Hour Roadside Assistance at 1 (800) 554-6678. |
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. |