Comparing quotes is the best way to get the lowest rates from top insurers like GEICO and Kemper. QuoteWizard is an independent company that helps you find the right policy at the best rate.
Kemper and GEICO are two well-known companies in the insurance industry. Kemper was founded in 1990, and GEICO was founded in 1936. GEICO was rated the #1 auto insurer for 2016, and has impeccable customer service as well as a wide range of driver discounts. On the flip side, Kemper offers affordable premiums for high-risk drivers, and has a good umbrella policy options. Though GEICO is missing some basic coverage and discount options, Kemper has a slow claims process and is known to raise its clients’ premiums without advance notice. Still, both companies have good financial strength ratings. 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 |
GEICO
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Kemper
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| Worst If |
GEICO
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Kemper
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GEICO
GEICO offers a number of discounts for auto, truck, and motorcycle insurance. Some of the discounts include:
|
Kemper |
| Bundling Coverage Discounts | GEICO | Kemper |
|---|---|---|
| Multi-Car | ||
| Home and Car | ||
| Car and Life | ||
| Vehicle Type and Safety Features | GEICO | 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 | GEICO | Kemper |
| Accident Free/Good Driver | ||
| Prior Insurance | ||
| Long Term Policy Holder | ||
| Defensive Driving Course | ||
| Student, Professional, and Club Memberships | GEICO | Kemper |
| Affinity Group | ||
| College Graduate | ||
| Good Student | ||
| Resident Student | ||
| Organization or Club Membership | ||
| Farm Bureau Member | ||
| Military | ||
| Special Circumstances | GEICO | Kemper |
| Telematics Device | ||
| Low Mileage | ||
| Short Commute | ||
| Days Per Week Driven | ||
| Other Discounts | GEICO | Kemper |
| Married | ||
| Paid in Full | ||
| Advance Renewal | ||
| Electronic Funds Transfer | ||
| Senior Driver | ||
| 55 and Retired |
| GEICO Auto Insurance | Kemper Insurance | |
|---|---|---|
| 2016 | 144 | 14 |
| 2015 | 283 | 19 |
| 2014 | 267 | 13 |
| 2013 | 188 | 14 |
| GEICO Auto Insurance | Kemper Insurance | |
|---|---|---|
| Overall Purchase Experience | Below average | |
| Policy Offerings | Average | |
| Pricing | Average | |
| Local Agent | Below average | |
| Call Center Representative | Average | |
| Insurer Website | Average |
| GEICO Auto Insurance | Kemper Insurance | |
|---|---|---|
| Overall Satisfaction | Average | |
| First Notice of Loss | Above average | |
| Service Interaction | Below average | |
| Appraisal | Average | |
| Repair Process | Below average | |
| Rental Car Experience | Among the best | |
| Settlement | Average |
| GEICO Auto Insurance | Kemper Insurance | |
|---|---|---|
| A.M. Best | A++ | A- |
| Moody's | Aa1- | -- |
| S&P's | AA+ | A- |
GEICO
The GEICO Mobile Appprovides customers easy access to their insurance policies. Its features include:
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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. |
GEICO
GEICO Roadside Assistance With Emergency Road ServiceGEICO Roadside Assistance With Emergency Road Service is an add-on that provides customer's with cheap towing and basic repairs. The service costs as little as $14 a year, per car and can assist motorists with: Roadside Assistance Services Covered
Roadside Assistance With Emergency Road Service will only fix minor problems like these. However, if your car needs major work, you will be towed to a safe place where repairs can be made. Contact Phone NumberYou can access GEICO’s Emergency Road Service through its mobile app. You can also call (800) 443-7411. Using GEICO's mobile app is a great way to get help fast because of GPS. The GPS locator means GEICO can find you and send help even if you're not sure where you are. |
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. |